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Annexure-A
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Retail Loans
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Rate of Interest w.e.f. 01.05.2024
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Sr. No.
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Description
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Particulars
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ROI
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1
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Housing Loan
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Housing Loan Upto Rs.70.00 lakh under "Swapnapoorti Scheme"
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(a)
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Under Prority Sector Both CIBIL Score is 700 & above ( Priority Sector - Loans to individuals up to Rs.35.00 lakh in metropolitan centres (with population of ten lakh and above) and up to Rs.25.00 lakh in other centres for purchase/ construction of a dwelling unit per family provided the overall cost of the dwelling unit in the metropolitan centre and at other centres does not exceed Rs.45 lakh and Rs.30 lakh respectively)
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9.05
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Under Prority Sector Both CIBIL Score is below 700
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9.85
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(b)
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Under Non-Priority Sector Any One CIBIL Score is 700 & above
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(i)
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New Flat with 5% Margin
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9.55
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(ii)
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Resale Flat with 15% Margin
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9.45
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(iii)
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New & resale Flat, Construction of House / Bungalow with 20% Margin
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9.35
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(c)
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Under Non-Priority Sector Both CIBIL Score is below 700
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(i)
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New Flat with 5% Margin
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10.05
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(ii)
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Resale Flat with 15% Margin
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9.95
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(iii)
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New & resale Flat, Construction of House / Bungalow with 20% Margin
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9.85
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Housing Loan above Rs.70.00 lakh and upto Rs.140.00 lakh under "Swapnapoorti Plus Scheme"
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(d)
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Under Non-Priority Sector Any One CIBIL Score is 700 & above
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(i)
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New Flat with 5% Margin
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10.05
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(ii)
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Resale Flat with 15% Margin
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9.95
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(iii)
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New & resale Flat, Construction of House / Bungalow with 20% Margin
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9.85
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(e)
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Under Non-Priority Sector Both CIBIL Score is below 700
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(i)
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New Flat with 5% Margin
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10.55
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(ii)
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Resale Flat with 15% Margin
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10.45
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(iii)
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New & resale Flat, Construction of House / Bungalow with 20% Margin
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10.35
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2
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Housing Loans to EWS Citizens
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Maxmium Loan Amount upto Rs.20.00 lakh
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Both CIBIL Score 700 &Above
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9.35
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Both CIBIL Score below 700
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9.85
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Housing loan for purchase of Third Dwelling unit
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11.30
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3
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Super Flexi Term Loan
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Maximum Loan Up to Rs. 10.00 lakh
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Any One CIBIL Score 700 &Above
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11.10
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Both CIBIL score Below 700
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11.30
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Super Flexi Overdraft
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Any One CIBIL Score 700 &Above
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12.10
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Both CIBIL score Below 700
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12.30
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4
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Flexi Term Loan
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Above Rs. 10.00 lakh Up to Rs. 50.00 lakh (Individual i.e. for personal Use/ Consumer expenditure)
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Any One CIBIL Score 700 & Above
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11.10
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Both CIBIL score Below 700
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11.30
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5
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4 wheeler
Vehicle Loan (for personal use)
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Upto Rs. 20.00 lakh(4Wheeler) & Repayment Period Upto 84 Months
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Any One CIBIL Score 700 & Above
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8.85
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Both CIBIL Score below 700
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9.35
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Above Rs. 20.00 lakh & Repayment Period Upto 84 Months
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Any One CIBIL score 700 &Above
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9.35
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Both CIBIL score below 700
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10.35
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6
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Vehicle Loan for 2 wheeler (for personal use)
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Up to Rs. 20.00 lakh & Repayment period upto 60 Months
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Any One CIBIL Score 700 & Above
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9.85
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Both CIBIL Score below 700
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10.85
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Upto Rs.20.00 lakh (Electrical Vehicle) & Repayment Period Upto 36 months
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Any One CIBIL Score 700 & Above
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9.35
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Both CIBIL Score below 700
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10.35
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7
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Vehicle Loan - Used Vehicle ( for personal use)
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Maximum Loan Up to Rs. 20.00 lakh
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Any One CIBIL Score 700 & Above
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11.85
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Both CIBIL Score Below 700
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12.35
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8
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Education Loan
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Upto Rs.100.00 lakh
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10.25 (0.50% concession for Girl Students) In case of Option II - Funding of Interest , 1% additional interest to be charged.
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(0.50% concession for Girl Students)
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9
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Consumer Loan - Solar Panel for home use
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Up to Rs. 5.00 Lakh
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11.50
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10
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Personal Loan General
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Up to Rs. 5.00 Lakh
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Any One CIBIL Score 700 & Above
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13.80
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Both CIBIL Score below 700
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14.80
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11
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Personal Loan against Kanasanchay Deposit
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Any One CIBIL Score 700 & Above
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13.80
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Both CIBIL Score below 700
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14.80
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12
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Overdraft against Kansanchay Deposit (Mini Loan Scheme)
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13.30
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13
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Loan to Pensioner
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11.30
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14
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Loan Against Gold Ornaments
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Term Loan
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9.85
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15
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Loan / Overdraft Against Gov Sec NSC / LIC / KVP
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9.85
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16
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Salary Overdraft
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11.30
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Personal Loans : Secured Under Deduction Gurantee
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17
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Personal Loan Karad Nagar Parishad General
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Up to Rs.2.00 lakh
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16.10
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1)Above Rs. 2.00 lakh up to Rs.5.00 lakh 2)For existing loans with limit above Rs.5.00 lakhs, if any
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16.60 (For exiting loans only & our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only)
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18
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Personal Loan Karad Nagar Parishad Pensioners
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Up to Rs.2.00 lakh
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16.10
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Above Rs. 2.00 lakh up to Rs.4.00 lakh
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16.60
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19
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Personal Loan Karad Nagar Parishad Blood Relatives
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upto Rs.2.00 lakh
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16.10
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Above Rs.2.00 lakh to Rs.3.00 lakh
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16.60
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20
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Dns Micro Finance Scheme
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Personal loan (Maximum unsecured advance should not exceed Rs.5.00 lakh with our Bank)
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13.50
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21
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Group Loan Scheme for Mathadi Workers, Karad (For New & Existing loan accounts)
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Up to Rs.5.00 lakh
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15.35
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22
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DNS Top Loan
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Maximum Rs.25.00 lakh
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For New DNS Top up Loan, Additional ROI @ 1% to be charged over and above Housing Loan ROI)
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*FOR ANY DEVIATION @0.50% ADDITIONAL INTEREST OVER & ABOVE APPLICABLE ROI TO BE CHARGED [AS A RISK PREMIUM]
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Note : Fixed ROI option shall be applicable to Housing , Vehicle, Education Loans @ + 2% p.a on the ROI as above.
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Fixed ROI application guidelines are available on common guidelines
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