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Loans and Advances
| Sr. No. | Product / Scheme | Rate of Interest p.a. | |
|---|---|---|---|
| RETAIL LOANS | |||
| 1 | Housing Loan* | Priority Sector (Loan Up to Rs. 35.00 Lacs) Non Priority Sector |
7.50%p.a. to 8.50% p.a. 8.25%p.a. to 9% p.a. |
| 2 | Housing Loan Top-up | Maximum Upto Rs.200.00 lacs inclusive of Housing Loan | 1% above applicable rate of housing loan |
| 3 | Education Loan | Maximum upto Rs. 60.00 lacs (Concession in ROI for girl student @0.25%) |
8.50% To 10.00% |
| 4 | Vehicle Loan (Other than Commercial Vehicle) |
For Purchase of New Four-Wheeler | 8.25% To 9.50% |
| For Purchase of New Two-Wheeler | 9.50% | ||
| For Purchase of Old Four-Wheeler (other than commercial vehicle) | 12.00% | ||
| 5 | Personal Loan (Loan up To Rs. 5.00 Lacs) | With Section 49 | 13.00% |
| Without Section 49 | 14.00% To 15.00% | ||
| 6 | Gold Loan | Upto Rs.2.00 lacs (Bullet repayment / Repayble in 12 months) | 8.50% |
| Above Rs. 2.00 lacs (Repayble in above 12 months to upto 36 months in EMI) | 9.00% | ||
| 7 | Overdraft Against Gold | Up to Rs. 25.00 lacs | 9.50% |
| 8 | Term Loan/SOD against NSCs / KVPs / LI Policies etc | Against own NSC/KVP/LIC | 8.75% |
| Against third party NSC/KVP/LIC | 2% over the applicable rate | ||
| 9 | Loan / Overdraft Against FDR | Against Own FDR Against Third Party FDR |
2.00% ODR 3.00% ODR |
| BUSINESS LOANS | |||
| 10 | Business Loans Cash Credit / Overdraft / Term Loan (Linked with credit rating) | Up to Rs. 1000.00 Lacs | 8.80% To 14.50% |
| 11 | Business loan for small Enterprises (Linked with Credit Rating) |
Loan up to Rs.42.00 lacs | 8.25% to 8.75% |
| 12 | Loan to Medical Professionals | Loan up to Rs. 100.00 Lacs | 8.75% To 9.25% |
| 13 | Loan to Other Professionals (CA, CS, Advocate, Architect etc.) |
Loan up to Rs.25.00 lacs | 8.75% To 9.25% |
| 14 | Lease Rent Discounting (LRD) (Linked with CIBIL & Subject to Credit Rating) |
Up to Rs. 1000.00 Lacs | 8% Onwards | 15 | Commercial Real Estate (Linked with CIBIL & Subject to Credit Rating) |
CRE Loan | 13.50% to 16.50% |
| 16 | Clean Cash Credit / Cheque Purchase and any Type of Clean Facility | Up to Rs. 5.00 Lacs | 14.50% |
| Note: 1. Applicable ROI will be based on Internal Credit Rating of the borrower accounts | |||
