Interest Rates-Retail Loans

Schematic Finance  

INTEREST RATE STRUCTURE FOR NEW LOANS &ADVANCES SANCTIONED &DISBURSED UPTO 15.10.2018.
           
SN FACILITY AMOUNT DISPCRIPTION New ROI p.a. for General New ROI p.a. for Women
           
1 HOUSING LOAN Upto Rs.25.00 lacs   8.85% 8.75%
    Above Rs.25.00 lacs up to Rs.50.00 lacs   9.00% 8.90%
    Above Rs.50.00 lacs upto Rs.70.00 lacs   9.20% 9.10%
           
           
2 HOUSING PLUS LOAN     12.00% 11.90%
           
3 SUPER FLEXI LOAN / Upto Rs.10.00 lacs   11.95% 11.85%
  FLEXI OVERDRAFT        
           
  FLEXI LOAN INDIVIDUAL Abover Rs.10.00 lacs   11.95% 11.85%
           
4 VEHICLE LOAN  Upto Rs. 20.00 Lacs

upto 60 Months (4 Wheeler)

upto 60 Months (2 Wheeler)

9.45%

9.20%

9.35%

9.10%

  NEW VEHICLE  

above 60 (4 Wheeler)

above 60 (2 Wheeler)

9.95%

9.70%

9.85%

9.60%

    Above Rs. 20.00 Lacs

Upto 60 (4 Wheeler)

12.00% 11.90%
     

Above 60 (4 Wheeler)

12.25% 12.15%
           
  2ND HAND VEHICLE UPTO Rs. 5.00 Lacs   11.00% 10.90%
    ABOVE Rs. 5.00 Lacs to Rs. 15.00 Lacs   11.75% 11.65%
           
5 EDUCATION LOAN  Upto Rs. 4.00 Lacs In case of funding  10.50% 10.00%
  (SUVIDHYA & VIDYAVARDHINI) Above Rs. 4.00 Lacs- Rs. 20.00 Lacs of interest : 1% additonal ROI to be 11.00% 10.50%
    Above Rs. 20.00 Lacs be stipulated 12.00% 11.50%
           
6 PERSONAL LOAN Upto Rs.5.00 lacs In case of  13.50% 13.40%
  INCLUDING PLEASURE TRAVEL LOANS AND Above Rs.0.50 lacs to 3.00 lacs Personal Loan, without salray  14.50% 14.40%
  KANASANCHAY PERSONAL LOAN Above Rs.3.00 lacs to Rs.5.00 lacs deduction 16.50% 16.40%
     
           
           
7 LOAN TO PROFESSIONAL    Clean Loan  12.45% 12.20%
  CC/OD/FLEXILOAN/    With security  11.95% 11.70%
  FELXI OF/TL     For Women  
        0.25% concession  
8 LOAN TO PENSIONER     11.45% 11.35%
9 KANASANCHAY DEPOSIT LOAN     16.50% 16.40
10 GOLD LOAN     9.95% 9.85%
       
           
       
           
11 LOANS AG NSC,KVP.LIC     10.45% 10.35%
12          
13 SALARY EARNER OVERDRAFT      12.75% 12.65%
14 BUSINESS LOAN INCLDUING LAGHU UDYOGAK SCHEME     1. Upto Rs.10.00 Lakhs - 10.45% p.a
2. above Rs.10.00 Lakhs uptp Rs.50.00 Lakhs - 11.00% p.a.
3. above Rs.50.00 Lakhs - Base Rate is 9.50% p.a. and interest will be applicable as per Credit Rating excercise
 
           
           
    For Laghu Udyogak     


Upto Rs.50.00 Lakhs
Maxmum : 14.00% p.a
Minimum : 12.20% p.a.

Above Rs.50.00 Lakhs - Base Rate is 9.50% p.a. and interest will be applicable as per Credit Rating excercise

 
           
15 MUDRA LOAN        
  CASH CREDIT Upto Rs. 1.00 Lacs   10.45% 10.35%
  TERM LOAN Above Rs. 1.00 Lac to Rs. 5.00 Lacs   11.00% 10.75%
    Above Rs. 5.00 Lacs to Rs. 10.00 Lacs   11.75% 11.50%
           
16 CASH CREDIT TO FARMERS Upto Rs. 0.50 Lacs   12.45% 12.35%
           
17 CLEAN CASH CREDIT Upto Rs. 4.50 Lacs   15.25% (With single premium group insurance policy) 15.15% (With single premium group insurance policy)
        16.25% (Without single premium group insurance policy) 16.15% (Without single premium group insurance policy)
           

 

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