Interest Rates-Retail Loans

    
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Annexure-A

     

Retail Loans

 

Revised Rate of Interest w.e.f. 20.07.2022

 
     

(@ %.p.a.)

 

Sr. No.

Description

Particulars

Revised ROI

 

1

Housing Loan

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

 
 

Under Prority Sector

6.95

 
 

Under Non-Priority Sector Both CIBIL Score is 700 & above

 
 

New Flat with 5% Margin

7.45 (New)

 
 

Resale Flat with 15% Margin

7.35(New & Resale)

 
 

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

7.25(New / Resale Flats & constn of house/ Bunglow for loan up to Rs. 70.00 Lakhs)

 
 

Under Non-Priority Sector Both CIBIL Score is below 700

 
 

New Flat with 5% Margin

7.95 (New)

 
 

Resale Flat with 15% Margin

7.85(New & Resale)

 
 

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

7.75(New / Resale Flats & constn of house/ Bunglow for loan up to Rs. 70.00 Lakhs)

 
 

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

 
 

Under Non-Priority Sector Both CIBIL Score is 700 & above

 
 

New Flat with 5% Margin

7.95(New)

 
 

Resale Flat with 15% Margin

7.85(New & Resale)

 
 

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

7.75(New / Resale Flats & constn of house/ Bunglow for loan up to Rs. 140.00 Lakhs)

 
 

Under Non-Priority Sector Both CIBIL Score is below 700

   
 

New Flat with 5% Margin

8.45(New)

 
 

Resale Flat with 15% Margin

8.35(New & Resale)

 

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

8.25 (New / Resale Flats & constn of house/ Bunglow for loan up to Rs. 140.00 Lakhs)

 

2

Housing Loans to EWS Citizens

Maxmium Loan Amount upto Rs.20.00 lakh

   
 

CIBIL Score 700 &Above

7.25

 
 

CIBIL Score below 700

7.75

 

3

Super Flexi Term Loan & Overdraft

Maximum Loan Up to Rs. 10.00 lakh

   
 

CIBIL Score 700 & Above

10.25

 
 

CIBIL score Below 700

10.45

 

4

Flexi Term Loan & Overdraft

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

   
 

CIBIL Score 700 & Above

10.25

 
 

CIBIL score Below 700

10.45

 

5

Vehicle loan (for personal use)

Upto Rs. 20.00 lakh(4Wheeler)

   

Upto 84 Months & CIBIL Score 700 & Above

8.00

 

Upto 84 Months & CIBIL Score below 700

8.50

 

Above Rs. 20.00 lakh

   

Up to 84 Months & CIBIL score 700 &Above

9.00

 

Up to 84 Months & CIBIL score below 700

9.50

 

6

Vehicle loan for 2 wheeler (for personal use)

Up to Rs. 20.00 lakh

   

Up to 60 months & CIBIL Score 700 & Above

9.00

 

upto 60 Months & CIBIL Score below 700

10.00

 

Upto Rs.20.00 lakh (Electrical Vehicle)

   

Up to 36 months & CIBIL Score 700 & Above

8.50

 

upto 36 Months & CIBIL Score below 700

9.50

 

7

Vehicle Loan Used Vehicle ( for personal use)

Maximum Loan Up to Rs. 20.00 lakh

   

CIBIL Score 700 & Above

11.00

 
   

CIBIL Score Below 700

11.50

 

8

Education Loan

Upto 100.00 lakh

9.75
(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

10.45

 

10

New Personal Loan scheme - Atma Nirbhar Bharat

Upto Rs. 0.50 Lakhs

   

for the loan upto Rs. 25,000/-

8.45

 

for the loan above Rs. 25,000/-

9.45

 

11

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

Upto Rs. 4.50 Lakhs

   

ROI during moratorium

10.50

 

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

12.45

 

12

Personal Loan General

Up to Rs. 5.00 Lakh

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

 

13

Personal Loan against Kanasanchay Deposit

 

12.45

 

14

OD_Overdraft against KS(Mini LN Scheme)

 

12.45

 

15

Loan to Pensioner

 

10.45

 

16

Loan Against Gold Ornaments

Term Loan

9.00

 

Overdraft

 

17

Loan/ Overdraft Against Gov Sec NSC LIC KVP

 

No change

 

18

Pleasure Travel Loan

 

12.45

 

19

Salary OD

 

10.45

 

20

Personal Loans : Secured Under Deduction Gurantee

 
 

Ulhanasnagar Municipal Corporation

Upto Rs.7.00 lakh

12.25

 

Above Rs.7.00 lakh to Rs.10.00 lakh

12.50

 
 

Personal Loan for Bhiwandi Nijampur CMC

upto Rs.2.00 lakh

15.25

 

Above Rs. 2.00 lakh up to Rs.5.00 lakh

15.75

 
 

Personal Loan Thane Municipal Transport

Up to Rs.2.00 lakh

15.25

 

Above Rs. 2.00 lakh up to Rs.5.00 lakh

15.75

 
 

Personal Loan Thane Municipal Corporation

Up to Rs.7.00 lakh

12.50

 

Above Rs. 7.00 lakh up to Rs. 10.00 lakh

12.75

 
 

Personal Loan Thane Civil Hospital

Up to Rs.2.00 lakh

15.25

 

Above Rs. 2.00 lakh up to Rs.5.00 lakh

15.75

 
 

Personal Loan Karad Nagar Parishad Genera

Up to Rs.2.00 lakh

15.25

 

Above Rs. 2.00 lakh up to Rs.10.00 lakh

15.75

 
 

Personal Loan Karad Nagar Parishad Pensioners

Up to Rs.2.00 lakh

15.25

 

Above Rs. 2.00 lakh up to Rs.4.00 lakh

15.75

 
 

Personal Loan Karad Nagar Parishad Blood Relatives

upto Rs.2.00 lakh

15.25

 

Above Rs.2.00 lakh to Rs.3.00 lakh

15.75

 
 

Personal Loan KDMC

Up to Rs.7.00 lakh

12.50

 

Above Rs. 7.00 lakh up to Rs. 10.00 lakh

12.75

 
 

Satara Nagar Parishad

Up to Rs.7.00 lakh

12.25

 

Above Rs.7.00 lakh upto Rs. 10.00 lakh

12.50

 
 

DNS GURUKUL- New Cambridge English School

up to Rs.35000/-

9.45

 
 

New Unsecured PLN for Persons affected by Natural Calmities

Upto Rs. 0.50 Lakhs

   

for the loan upto Rs. 25,000/-

7.95

 

for the loan above Rs. 25,000/-

9.45

 

21

DNS Shushrusha Scheme

Unsecured -Maxmum Limit Rs.5.00 lakh

7.95

 

Secured - Maximum Limit Rs.15.00 lakh

7.45

 

22

DNS Gurukul St.Joseph High School

upto Rs.35000/-

9.45

 
 

DNS Grukul for Approved Schools

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

10.25

 

23

DNS Top Loan

Maximum Rs.25.00 lakh

0.50 %Additional over and above ROI of Housing Loan (Branch to check & levy additional ROI accordingly)

 

24

DNS Tution Scheme

Maximum amount Rs.5.00 lakh

11.25

 

25

DNS Saral - Unsecured Loan

Loans up to Rs.2.00 lakh – 60 months

10.50

 

Loans above Rs.2.00 lakh – 84 months