Interest Rates-Retail Loans
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Annexure-A |
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Retail Loans |
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Revised Rate of Interest w.e.f. 25.05.2023 |
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(@ %.p.a.) |
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Sr. No. |
Description |
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Particulars |
Revised ROI |
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1 |
Housing Loan |
Housing Loan Upto Rs.70.00 lakh under "Swapnapoorti Scheme" |
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(a) |
Under Prority Sector Both CIBIL Score is 700 & above ( Priority Sector - Loans to individuals up to Rs.35.00 lakh in metropolitan centres (with population of ten lakh and above) and up to Rs.25.00 lakh in other centres for purchase/ construction of a dwelling unit per family provided the overall cost of the dwelling unit in the metropolitan centre and at other centres does not exceed Rs.45 lakh and Rs.30 lakh respectively) |
9.05 |
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Under Prority Sector Both CIBIL Score is below 700 |
9.85 |
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(b) |
Under Non-Priority Sector Any One CIBIL Score is 700 & above |
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(i) |
New Flat with 5% Margin |
9.55 |
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(ii) |
Resale Flat with 15% Margin |
9.45 |
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(iii) |
New & resale Flat, Construction of House / Bungalow with 20% Margin |
9.35 |
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(c) |
Under Non-Priority Sector Both CIBIL Score is below 700 |
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(i) |
New Flat with 5% Margin |
10.05 |
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(ii) |
Resale Flat with 15% Margin |
9.95 |
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(iii) |
New & resale Flat, Construction of House / Bungalow with 20% Margin |
9.85 |
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Housing Loan above Rs.70.00 lakh and upto Rs.140.00 lakh under "Swapnapoorti Plus Scheme" |
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(d) |
Under Non-Priority Sector Any One CIBIL Score is 700 & above |
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(i) |
New Flat with 5% Margin |
10.05 |
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(ii) |
Resale Flat with 15% Margin |
9.95 |
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(iii) |
New & resale Flat, Construction of House / Bungalow with 20% Margin |
9.85 |
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(e) |
Under Non-Priority Sector Both CIBIL Score is below 700 |
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(i) |
New Flat with 5% Margin |
10.55 |
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(ii) |
Resale Flat with 15% Margin |
10.45 |
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(iii) |
New & resale Flat, Construction of House / Bungalow with 20% Margin |
10.35 |
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2 |
Housing Loans to EWS Citizens |
Maxmium Loan Amount upto Rs.20.00 lakh |
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Both CIBIL Score 700 &Above |
9.35 |
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Both CIBIL Score below 700 |
9.85 |
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3 |
Super Flexi Term Loan & Overdraft |
Maximum Loan Up to Rs. 10.00 lakh |
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Any One CIBIL Score 700 &Above |
11.10 |
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Both CIBIL score Below 700 |
11.30 |
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4 |
Flexi Term Loan & Overdraft |
Above Rs. 10.00 lakh Up to Rs. 50.00 lakh (Individual i.e. for personal Use/ Consumer expenditure) |
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Any One CIBIL Score 700 & Above |
11.10 |
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Both CIBIL score Below 700 |
11.30 |
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5 |
Vehicle Loan (for personal use) |
Upto Rs. 20.00 lakh(4Wheeler) & Repayment Period Upto 84 Months |
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Any One CIBIL Score 700 & Above |
8.85 |
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Both CIBIL Score below 700 |
9.35 |
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Above Rs. 20.00 lakh & Repayment Period Upto 84 Months |
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Any One CIBIL score 700 &Above |
9.85 |
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Both CIBIL score below 700 |
10.35 |
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6 |
Vehicle Loan for 2 wheeler (for personal use) |
Up to Rs. 20.00 lakh & Repayment period upto 60 Months |
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Any One CIBIL Score 700 & Above |
9.85 |
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Both CIBIL Score below 700 |
10.85 |
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Upto Rs.20.00 lakh (Electrical Vehicle) & Repayment Period Upto 36 months |
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Any One CIBIL Score 700 & Above |
9.35 |
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Both CIBIL Score below 700 |
10.35 |
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7 |
Vehicle Loan - Used Vehicle ( for personal use) |
Maximum Loan Up to Rs. 20.00 lakh |
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Any One CIBIL Score 700 & Above |
11.85 |
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Both CIBIL Score Below 700 |
12.35 |
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8 |
Education Loan |
Upto Rs.100.00 lakh |
10.60 |
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(0.50% concession for Girl Students) |
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9 |
Consumer Loan |
Up to Rs. 5.00 Lakh |
11.30 |
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10 |
New Personal Loan Scheme - Atma Nirbhar Bharat |
Upto Rs. 0.50 Lakhs |
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for the loan upto Rs. 25,000/- |
9.30 |
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for the loan above Rs. 25,000/- |
10.30 |
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11 |
DNS CARES - PERSONAL LOAN SCHEME FOR BUSINESS PERSONS AND ANY INDIVIDUAL |
Upto Rs. 4.50 Lakhs |
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ROI during moratorium |
11.35 |
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after completion of moratorium then applicable ROI on unsecured loan for business purpose. |
13.30 |
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12 |
Personal Loan General |
Up to Rs. 5.00 Lakh |
13.30 (Concession of 0.50 % in ROI for salary deduction, is discontinued) |
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13 |
Personal Loan against Kanasanchay Deposit |
13.30 |
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14 |
Overdraft against Kansanchay Deposit (Mini Loan Scheme) |
13.30 |
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15 |
Loan to Pensioner |
11.30 |
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16 |
Loan Against Gold Ornaments |
Term Loan |
9.85 |
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Overdraft |
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17 |
Loan / Overdraft Against Gov Sec NSC / LIC / KVP |
9.85 |
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18 |
Pleasure Travel Loan |
13.30 |
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19 |
Salary Overdraft |
11.30 |
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20 |
Personal Loans : Secured Under Deduction Gurantee |
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Ulhanasnagar Municipal Corporation |
Upto Rs.5.00 lakh |
13.10 |
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For existing Loans above Rs 5.00 Lakhs |
13.35 |
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Personal Loan for Bhiwandi Nijampur CMC |
Up to Rs.2.00 lakh |
16.10 |
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Above Rs. 2.00 lakh up to Rs.5.00 lakh |
16.60 |
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Personal Loan Thane Municipal Transport |
Up to Rs.2.00 lakh |
16.10 |
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Above Rs. 2.00 lakh up to Rs.5.00 lakh |
16.60 |
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Personal Loan Thane Municipal Corporation |
Up to Rs.5.00 lakh |
13.35 |
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For existing Loans above Rs 5.00 Lakhs |
13.60 |
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Personal Loan Thane Civil Hospital |
Up to Rs.2.00 lakh |
16.10 |
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Above Rs. 2.00 lakh up to Rs.5.00 lakh |
16.60 |
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Personal Loan Karad Nagar Parishad General |
Up to Rs.2.00 lakh |
16.10 |
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1)Above Rs. 2.00 lakh up to Rs.5.00 lakh 2)For existing loans with limit above Rs.5.00 lakhs, if any |
16.60 (For exiting loans only & our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only) |
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Personal Loan Karad Nagar Parishad Pensioners |
Up to Rs.2.00 lakh |
16.10 |
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Above Rs. 2.00 lakh up to Rs.4.00 lakh |
16.60 |
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Personal Loan Karad Nagar Parishad Blood Relatives |
upto Rs.2.00 lakh |
16.10 |
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Above Rs.2.00 lakh to Rs.3.00 lakh |
16.60 |
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Group Loan Scheme for Mathadi Workers, Karad (For New & Existing loan accounts) |
Up to Rs.5.00 lakh |
15.35 |
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Personal Loan KDMC |
Up to Rs.5.00 lakh |
13.35 (Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only) |
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For existing Loans above Rs 5.00 Lakhs |
13.60 (Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only) |
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Satara Nagar Parishad |
Up to Rs.5.00 lakh |
13.10 (Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only) |
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For existing Loans above Rs 5.00 Lakhs |
13.35 (Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only) |
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DNS GURUKUL- New Cambridge English School |
up to Rs.35000/- |
10.30 |
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New Unsecured PLN for Persons affected by Natural Calmities |
Upto Rs.0.50 lakhs |
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for the loan upto Rs. 25,000/- |
8.80 |
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for the loan above Rs. 25,000/- |
10.30 |
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21 |
DNS Shushrusha Scheme |
Unsecured -Maxmum Limit Rs.5.00 lakh |
8.80 |
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Secured - Maximum Limit Rs.15.00 lakh |
8.30 |
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22 |
DNS Gurukul St.Joseph High School |
upto Rs.35000/- |
10.30 |
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DNS Grukul for Approved Schools |
2 years Fees or Rs.2.00 lakh which ever is less |
11.10 |
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23 |
DNS Top Loan |
Maximum Rs.25.00 lakh |
For New DNS Top up Loan, Additional ROI @ 1% to be charged over and above Housing Loan ROI) |
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24 |
DNS Tution Scheme |
Maximum amount Rs.5.00 lakh |
12.10 |
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25 |
DNS Saral - Unsecured Loan |
Loans up to Rs.2.00 lakh – 60 months |
11.35 |
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Loans above Rs.2.00 lakh – 84 months |
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