Interest Rates-Retail Loans

Schematic Finance  (w.e.f : 01-02-2017)

No.

Name of Scheme

Amount in Lacs

Period

Interest Rate P.A.

1)

Housing Loan

upto 25 Lacs

Max. 240 Months

8.60%

25.00Lacs to 50.00Lacs

8.75%

Above 50.00Lacs to 70.00 Lacs

8.95%

2)

Housing Plus

As per Applicable Loan scheme

Max. 7 years

10.50%

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%

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