Interest Rates

Interest Rates-Retail Loans

Schematic Finance  (w.e.f : 01-05-2013)

No.

Name of Scheme

Amount in Lacs

Period

Interest Rate P.A.

1)

Housing Loan

upto 25 Lacs

Max. 240 Months

9.50%

25.00Lacs to 50.00Lacs

9.75%

Above 50.00Lacs to 70.00 Lacs

9.95%

2)

Housing Plus

As per Applicable Loan scheme

Max. 7 years

11.50%

3)

Vehicle Loan
(For personal Use)
4 - Wheeler/2 - Wheeler/Second Hand Vehicle

*Second Hand Vehicle Repayment Tenure is max 3yrs & max 50% of valuation

Up to 20.00

Up to 36 Months

10.25%

Above 60 Months

10.75%

Above 20.00

Up to 36 Months

12.00%

Above 60 Months

12.50%

4)

Vehicle Loan 3 - Wheeler and 4 Wheeler (For Commercial Use)

70% of quotation amount

Upto 60 Months

14.75%

5)

Easy Loan Scheme & Personal Loan, Suvidha Loan - (Clean)

Up to 0.50 Lac

Up to 60 Months

With salary deduction 14% or without Salary Deduction 14.50%

Above 0.50 and up to 3 Lacs

Up to 60 Months

With Salary Deduction 14.50% without salary deduction 15%

Above 3 Lacs and up to 5 Lacs

Up to 60 Months

With Salary Deduction 15% without salary deduction 15.50%

6)

Utsav Loan (Purchase of Computer, T.V. etc.)

Max. Up to 1.00

Up to 36 Months

Upto 0.50Lac,Salary Deduction 14% other,14.50%

Above 0.50Lac, salary deduction 14.50% other, 15%

7)

Educational Loan
(** 0.50% concession in interest for female student)

Up to 4.00

Max. 60 Months excluding moratorium

10.50%

Above 4.00 to 20.00

11.00% If Interest funded during the moratorium period then additional 1% to be charged)

Above 20.00

12.00%

8)

Samruddhi Vyapar Yojana (Clean CC)

Up to 5.00 Lacs

12 Months

16.50%

9)

Gold Loan

Need Based

12 Months

9.95%

10)

NSC, KVP, LIC Loan*

Need Based

12 Months

12.00%

11)

Advance against Shares*

Up to 5.00

12 Months

16.00%

12)

Kansanchay Loan on Deposite Scheme

75% of Deposit Amount

12 Months

9.00%

13)

Kansanchay Personal Loan Scheme

Up to 1.00

36 Months

16.00%

14)

Loan to Handicapped persons

As per Applicable Loan scheme

As per applicable Loan Scheme

2% reduction in the revised ROI as per applicable loan scheme

15)

Loan to Pensioners

Up to 1.00

36 Months

14.50%

16)

Salary Earner Overdraft

Up to 50,000

24 Months

15.00%

 

Interest Rates-Corporate Loans

 

No.

Particulars

ROI

1)

Advances to Builders

18.00%

Card Rates for Advances
(Including Vehicle Advance for Commercials Use) other than Above Tables

Slab wise Amount (in Rs.)

ROI for SMEs

ROI for others
(Excl. SMEs)

Up to Rs. 50,000

13.00%

14.00%

Above 50,000

13.75%

14.75%

For the loan to Textile Industry(MSME):ROI @ 12.50% p.a

Credit Rating For Rated Borrower Accounts (For MSMEs Only):
Base Rate - 13.75%

Credit Rating

Concession in ROI

Rate of Interest

A

0.25%

13.50%

AA

0.75%

13.00%

AAA

1.50%

12.25%

We, as DNS Bank, propose to contribute towards efforts made by the central government as well as the state government in order to boost the textile sector. Hence decided to confor some special concession in the ROI to SME borrower under textile sector (MSME) .

Credit Rating For Rated Borrower Accounts (For Non-SMEs Only):
Base Rate - 14.75%

Credit Rating

Concession in ROI

Rate of Interest

A

0.25%

14.50%

AA

0.75%

14.00%

AAA

1.50%

13.25%

 
 
 
 

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