Interest Rates-Retail Loans

Schematic Finance  

INTEREST RATE STRUCTURE FOR NEW LOANS &ADVANCES SANCTIONED &DISBURSED UPTO 31.05.2017.
           
SN FACILITY AMOUNT DISPCRIPTION New ROI p.a. for General New ROI p.a. for Women
           
1 HOUSING LOAN Upto Rs.25.00 lacs   8.60% 8.35%
    Above Rs.25.00 lacs   8.75% 8.50%
    to Rs.50.00 lacs   8.95% 8.70%
    Above Rs.50.00 lacs      
           
2 HOUSING PLUS LOAN     10.50% 10.25%
           
3 SUPER FLEXI LOAN / Upto Rs.10.00 lacs   10.45% 10.45%
  FLEXI OVERDRAFT        
           
  FLEXI LOAN INDIVIDUAL Abover Rs.10.00 lacs   10.45% 10.45%
           
4 VEHICLE LOAN  Upto Rs. 20.00 Lacs 60 Months 8.95% 8.70%
  NEW VEHICLE   above 60 9.45% 9.20%
    Above Rs. 20.00 Lacs Upto 60 11.50% 11.25%
      Above 60 11.75% 11.50%
           
  2ND HAND UPTO Rs. 5.00 Lacs   10.50% 10.25%
  VEHICLE ABOVE Rs. 5.00 Lacs to Rs. 15.00 Lacs   11.25% 11.00%
           
5 EDUCATION LOAN  Upto Rs. 4.00 Lacs In case of funding  10.50% 10.00%
  (SUVIDHYA & VIDYAVARDHINI) Above Rs. 4.00 Lacs- Rs. 20.00 Lacs of interest : 1% additonal ROI to be 11.00% 10.50%
    Above Rs. 20.00 Lacs be stipulated 12.00% 11.50%
           
6 PERSONAL LOAN Upto Rs.0.50 lacs In case of  11.95% 11.95%
  INCLUDING PLEASURE TRAVEL LOANS AND Above Rs.0.50 lacs to 3.00 lacs Personal Loan, without salray  12.25% 12.25%
  KANASANCHAY PERSONAL LOAN Above Rs.3.00 lacs to Rs.5.00 lacs deduction 12.25% 12.25%
    NOTE : 0.50% concession in case of salary deduction
      In case of Pleasure Travel If salary [email protected] 11.95%   For others @ 12.25%  For Women0.25% concession in ROI Pleasure Travel Loan
      In case of KS Personal Loan 12.25% 12.25%
7 LOAN TO PROFESSIONAL     Clean Loan 11.95% 11.70%
  CC/OD/FLEXILOAN/     With security 11.45% 11.20%
  FELXI OF/TL     For Women  
        0.25% concession  
8 LOAN TO PENSIONER     10.95% 10.95%
9 KANASANCHAY DEPOSIT LOAN     9.00% 9%
10 GOLD LOAN     Where margin is upto 35% @ 8.95% Where margin is upto 35% @ 8.95%
       
        Where margin is above 35% @ 7.95% Where margin is above 35% @ 7.95%
       
           
11 LOANS AG NSC,KVP.LIC     9.95% 9.95%
12 ADVANCE AGAINST SHARES     14.00% 14.00%
13 SALARY EARNER OVERDRAFT      11.95% 11.95%
14 BUSINESS LOAN INCLDUING LAGHU UDYOGAK SCHEME For Business Loan Upto Rs.0.50 lacs All SME+ Others For Both Products Upto Rs.25.00 lacs @ 11.45%                               Upto Rs.25.00 lacs @ 11.20%      
    For Business Loan Above Rs.0.50 lacs SME Above Rs.25.00 lac- Minimum 10.50% (Base Rate) + loading as per rating slab Above Rs.25.00 lac- Minimum 10.25% (Base Rate) + loading as per rating slab
      Others     
    For Laghu Udyogak  Maximum    
      Minimum    
15 SUPER FLEXI LOAN / Upto Rs.10.00 lacs   10.45% 10.45%
  FLEXI OVERDRAFT        
           
  FLEXI LOAN Above Rs.10.00 lacs SME Units 11.45% 11.45%
      Others 11.45% 11.45%
           
  FLEXI OVERDRAFT Above Rs.10.00 lacs SME Units 11.45% 11.45%
      Others 11.45% 11.45%
           
16 MUDRA LOAN        
  CASH CREDIT Upto Rs. 1.00 Lacs   9.95% 9.70%
  TERM LOAN Above Rs. 1.00 Lac to Rs. 5.00 Lacs   9.95% 9.70%
    Above Rs. 5.00 Lacs to Rs. 10.00 Lacs   9.95% 9.70%
           
17 CASH CREDIT TO FARMERS Upto Rs. 0.50 Lacs   11.95% 11.95%
           
18 CLEAN CASH CREDIT Upto Rs. 4.50 Lacs   11.95% (With single premium group insurance policy) 11.70% (With single premium group insurance policy)
        12.25% (Without single premium group insurance policy) 12.00% (Without single premium group insurance policy)
           

 

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