Annexure-B
|
|
|
|
|
|
|
Commercial Loans
|
|
Rate of Interest w.e.f. 01.05.2024
|
|
|
|
|
|
|
|
|
|
SR NO
|
Description
|
Particulars
|
ROI
|
|
1
|
Business Loans includes Flexi Term loan, secured CC Limit, CC - Project (other than Builders) Term Loan, Term Loan for Working capital, Term loan for Purchase Commercial Vehicle(including Auto Rickshaw, Plant & Machinery, irrigation equipment and Term loan for Project loan(Other than Builders), Mortgage loan for purchase of Industrial unit shop/Gala,
(DNS MSME & Others)
|
Upto Rs.50.00 Lakhs
|
10.10%
|
|
|
Above Rs.50.00 Lakhs
|
Base Rate is 8.85% p.a. and interest will be applicable as per Credit Rating exercise. (8.85% p.a. to 12.35% p.a.)
|
|
Credit Rating based ROI :-
|
|
|
Risk Profile
|
Grade Secured
|
Marks Secured
|
Applicable ROI
|
|
Low Risk
|
DNS -1
|
90 & Above
|
8.85%
|
|
DNS -2
|
85 to 89
|
9.35%
|
|
DNS -3
|
80 to 84
|
9.85%
|
|
Medium Risk
|
DNS -4
|
75 to 79
|
10.35%
|
|
DNS -5
|
70 to 74
|
10.85%
|
|
DNS -6
|
65 to 69
|
11.35%
|
|
High Risk
|
DNS -7
|
60 to 64
|
11.85%
|
|
DNS -8
|
Below 60
|
12.35%
|
|
2
|
Flexi Overdraft
|
|
Upto Rs.50.00 Lakhs - 11.10% & above 50.00 lakhs as per credit rating + 1% additional interest to be charged
& If Real Asset Coverage Ratio is greater than or equal to 1.50:1; then Rate of Interest will be 0.50% more than applicable
|
|
3
|
Mudra Loan Cash Credit limit Maximum Rs. 1.00 Lakhs & Maximum Term loan Rs. 10.00 Lakhs including CC
|
|
11.30%
|
|
4
|
Clean Cash credit
|
|
13.30%,
if group insurance obtain then 12.80
|
|
5
|
Lons & Advances to Builders
|
|
Minimum 13.85% p.a.
to Maximum 18.35%p.a.
(negotiated)
|
|
6
|
Loan Scheme for Professional
• Engineering and Technical including software professionals
• CA/ICWA/CS etc.
• Business Management, Management Consultants,
• Certified Tax Consultants
• Architects, Interior Designer,
• Fashion Designer, Beauticians etc.
|
Clean Cash Credit or Term Loan
|
11.50%
|
|
Both CIBIL Score 700 & above
commercial CIBIL Score up to CMR-5
|
9.75%
|
|
Both CIBIL Score below 700 & Commercial CIBIL Score above CMR-5
|
10.25%
|
|
7
|
Scheme for Medical Practitioners
Allopathy, Homeopathy, Ayurveda, Dentistry, Ophthalmologist, Veterinary, Physiotherapy, Pharmacy, Radiology, Pathology.
|
Clean Cash Credit or Term Loan
|
11.50%
|
|
Both CIBIL Score 700 & above
commercial CIBIL Score up to CMR-5
|
9.75%
|
|
Both CIBIL Score below 700 & Commercial CIBIL Score above CMR-5
|
10.25%
|
|
8
|
Lease Rent Discounting (LRD)
|
|
Negotiated rates
|
|
9
|
GST Insta Cash Credit Scheme
|
|
|
|
9.85%
|
|
10
|
Vendor Financing Scheme
|
|
|
|
10.10%
|
|
11
|
Pledge Limit against Sugar Stock/Jaggery Powder/Jaggery
|
|
|
|
Negotiable
- In the line of existing ROI for pledge with other banks
|
|
12
|
Pledge Limit against Stock of Molasses/Ethanol/Rectified Spirit (RS)/Extra Neutral Alchohol (ENA)
|
|
|
|
Negotiable
- In the line of existing ROI for pledge with other banks
|
|
13
|
Pledge Loan - Pledge against Agriculture Commodities to Individual Farmers
|
|
|
|
10% p.a.
Exclusive of Collateral Manager charges/ Warehouse Charges
|
|
14
|
CGTMSE Guarantee Cover Scheme
|
|
|
|
1% above the applicable MSME Scheme & Guarantee Fee is to be paid by the Bank.
|
|
15
|
MSME Loan for purchase shop/unit at Tower Industrial Park,
|
Margin 25% & above with CIBIL score above 700
|
8.85%
|
|
Margin 25% above with CIBIL score below 700
|
9.10%
|
|
Margin deviation below 25% to 10% with CIBIL Score below 700 CIBIL score above 700
|
9.60%
9.35%
|
|
16
|
Loan Scheme for employee of M/s. D K Pharma Chem Pvt. Ltd.
|
|
0.50% concession in applicable ROI as per our scheme
|
|
|
|
|
|
|
|
|
|