Interest Rates-Retail Loans

    
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Annexure-A

       

Retail Loans

Revised Rate of Interest w.e.f. 20.02.2023

         

(@ %.p.a.)

Sr. No.

Description

Particulars

Revised ROI

1

Housing Loan

Housing Loan Upto Rs.70.00 lakh under "Swapnapoorti Scheme"

(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)

8.05

   

Under Prority Sector Both CIBIL Score is below 700

8.85

(b)

 

Under Non-Priority Sector Any One CIBIL Score is 700 & above

 

(i)

New Flat with 5% Margin

8.55

 

(ii)

Resale Flat with 15% Margin

8.45

 

(iii)

New & resale Flat, Construction of House / Bungalow with 20% Margin

8.35

(c)

 

Under Non-Priority Sector Both CIBIL Score is below 700

 

(i)

New Flat with 5% Margin

9.05

 

(ii)

Resale Flat with 15% Margin

8.95

 

(iii)

New & resale Flat, Construction of House / Bungalow with 20% Margin

8.85

Housing Loan above Rs.70.00 lakh and upto Rs.140.00 lakh under "Swapnapoorti Plus Scheme"

(d)

 

Under Non-Priority Sector Any One CIBIL Score is 700 & above

 

(i)

New Flat with 5% Margin

9.05

 

(ii)

Resale Flat with 15% Margin

8.95

 

(iii)

New & resale Flat, Construction of House / Bungalow with 20% Margin

8.85

(e)

 

Under Non-Priority Sector Both CIBIL Score is below 700

 

(i)

New Flat with 5% Margin

9.55

 

(ii)

Resale Flat with 15% Margin

9.45

 

(iii)

New & resale Flat, Construction of House / Bungalow with 20% Margin

9.35

2

Housing Loans to EWS Citizens

   

Maxmium Loan Amount upto Rs.20.00 lakh

   

Both CIBIL Score 700 &Above

Contact Branch

   

Both CIBIL Score below 700

Contact Branch

3

Super Flexi Term Loan & Overdraft

   

Maximum Loan Up to Rs. 10.00 lakh

   

Any One CIBIL Score 700 &Above

11.10

   

Both CIBIL score Below 700

11.30

4

Flexi Term Loan & Overdraft

   

Above Rs. 10.00 lakh Up to Rs. 50.00 lakh (Individual i.e. for personal Use/ Consumer expenditure)

   

Any One CIBIL Score 700 & Above

11.10

   

Both CIBIL score Below 700

11.30

5

Vehicle Loan (for personal use)

   

Upto Rs. 20.00 lakh(4Wheeler) & Repayment Period Upto 84 Months

   

Any One CIBIL Score 700 & Above

8.85

   

Both CIBIL Score below 700

9.35

   

Above Rs. 20.00 lakh & Repayment Period Upto 84 Months

   

Any One CIBIL score 700 &Above

9.85

   

Both CIBIL score below 700

10.35

6

Vehicle Loan for 2 wheeler (for personal use)

   

Up to Rs. 20.00 lakh & Repayment period upto 60 Months

   

Any One CIBIL Score 700 & Above

9.85

   

Both CIBIL Score below 700

10.85

   

Upto Rs.20.00 lakh (Electrical Vehicle) & Repayment Period Upto 36 months

   

Any One CIBIL Score 700 & Above

9.35

   

Both CIBIL Score below 700

10.35

7

Vehicle Loan - Used Vehicle ( for personal use)

   

Maximum Loan Up to Rs. 20.00 lakh

   

Any One CIBIL Score 700 & Above

11.85

   

Both CIBIL Score Below 700

12.35

8

Education Loan

   

Upto Rs.100.00 lakh

10.60
(0.50% concession for Girl Students) In case of Option II - Funding of Interest , 1% additional interest to be charged.

   

(0.50% concession for Girl Students)

     
   

   

9

Consumer Loan

   

Up to Rs. 5.00 Lakh

11.30

10

New Personal Loan Scheme - Atma Nirbhar Bharat

   

Upto Rs. 0.50 Lakhs

   

for the loan upto Rs. 25,000/-

9.30

   

for the loan above Rs. 25,000/-

10.30

11

DNS CARES - PERSONAL LOAN SCHEME FOR BUSINESS PERSONS AND ANY INDIVIDUAL

   

Upto Rs. 4.50 Lakhs

   

ROI during moratorium

11.35

   

after completion of moratorium then applicable ROI on unsecured loan for business purpose.

13.30

12

Personal Loan General

   

Up to Rs. 5.00 Lakh

13.30 (Concession of 0.50 % in ROI for salary deduction, is discontinued)

13

Personal Loan against Kanasanchay Deposit

     

13.30

14

Overdraft against Kansanchay Deposit (Mini Loan Scheme)

     

13.30

15

Loan to Pensioner

     

11.30

16

Loan Against Gold Ornaments

   

Term Loan

9.85

   

Overdraft

17

Loan / Overdraft Against Gov Sec NSC / LIC / KVP

     

9.85

18

Pleasure Travel Loan

     

13.30

19

Salary Overdraft

     

11.30

20

Personal Loans : Secured Under Deduction Gurantee

 

Ulhanasnagar Municipal Corporation

   

Upto Rs.5.00 lakh

13.10
(Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)

       

For existing Loans above Rs 5.00 Lakhs

13.35
(Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)

 

Personal Loan for Bhiwandi Nijampur CMC

   

Up to Rs.2.00 lakh

16.10

   

Above Rs. 2.00 lakh up to Rs.5.00 lakh

16.60

 

Personal Loan Thane Municipal Transport

   

Up to Rs.2.00 lakh

16.10

   

Above Rs. 2.00 lakh up to Rs.5.00 lakh

16.60

 

Personal Loan Thane Municipal Corporation

   

Up to Rs.5.00 lakh

13.35
(For exiting loans only & our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)

   

For existing Loans above Rs 5.00 Lakhs

13.60
(For exiting loans only & our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)

 

Personal Loan Thane Civil Hospital

   

Up to Rs.2.00 lakh

16.10

   

Above Rs. 2.00 lakh up to Rs.5.00 lakh

16.60

 

Personal Loan Karad Nagar Parishad General

   

Up to Rs.2.00 lakh

16.10

   

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)

 

Personal Loan Karad Nagar Parishad Pensioners

   

Up to Rs.2.00 lakh

16.10

   

Above Rs. 2.00 lakh up to Rs.4.00 lakh

16.60

 

Personal Loan Karad Nagar Parishad Blood Relatives

   

upto Rs.2.00 lakh

16.10

   

Above Rs.2.00 lakh to Rs.3.00 lakh

16.60

 

Group Loan Scheme for Mathadi Workers, Karad (For New & Existing loan accounts)

   

Up to Rs.5.00 lakh

15.35

 

Personal Loan KDMC

   

Up to Rs.5.00 lakh

13.35 (Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)

   

For existing Loans above Rs 5.00 Lakhs

13.60 (Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)

 

Satara Nagar Parishad

   

Up to Rs.5.00 lakh

13.10 (Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)

   

For existing Loans above Rs 5.00 Lakhs

13.35 (Our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)

 

DNS GURUKUL- New Cambridge English School

   

up to Rs.35000/-

10.30

 

New Unsecured PLN for Persons affected by Natural Calmities

   

Upto Rs.0.50 lakhs

   

for the loan upto Rs. 25,000/-

8.80

   

for the loan above Rs. 25,000/-

10.30

21

DNS Shushrusha Scheme

   

Unsecured -Maxmum Limit Rs.5.00 lakh

8.80

   

Secured - Maximum Limit Rs.15.00 lakh

8.30

22

DNS Gurukul St.Joseph High School

   

upto Rs.35000/-

10.30

 

DNS Grukul for Approved Schools

   

2 years Fees or Rs.2.00 lakh which ever is less

11.10

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)

24

DNS Tution Scheme

   

Maximum amount Rs.5.00 lakh

12.10

25

DNS Saral - Unsecured Loan

   

Loans up to Rs.2.00 lakh – 60 months

11.35

   

Loans above Rs.2.00 lakh – 84 months