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Annexure-A (w.e.f. 01.09.2024)
| Sr. No. | Description | Particulars | ROI | ||
|---|---|---|---|---|---|
| 1 | Housing Loan Priority | Housing Loan Upto Rs.70.00 lakh under 'Swapnapoorti Scheme' | |||
| (a) | 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) | 8.55 | |||
| Under Prority Sector Both CIBIL Score is below 700 | 9.35 | ||||
| Housing Loan Non Priority | |||||
| (b) | Under Non-Priority Sector Any One CIBIL Score is 700 & above | ||||
| (i) | New Flat with 5% Margin | 9.30 | |||
| (ii) | Resale Flat with 15% Margin | 9.20 | |||
| (iii) | New & resale Flat, Construction of House / Bungalow with 20% Margin | 9.10 | |||
| (c) | Under Non-Priority Sector Both CIBIL Score is below 700 | ||||
| (i) | New Flat with 5% Margin | 9.80 | |||
| (ii) | Resale Flat with 15% Margin | 9.70 | |||
| (iii) | New & resale Flat, Construction of House / Bungalow with 20% Margin | 9.60 | |||
| Housing Loan above Rs.70.00 lakh and upto Rs.200.00 lakh under 'Swapnapoorti Plus Scheme' | |||||
| (d) | Under Non-Priority Sector Any One CIBIL Score is 700 & above | ||||
| (i) | New Flat with 5% Margin | 9.80 | |||
| (ii) | Resale Flat with 15% Margin | 9.70 | |||
| (iii) | New & resale Flat, Construction of House / Bungalow with 20% Margin | 9.60 | |||
| (e) | Under Non-Priority Sector Both CIBIL Score is below 700 | ||||
| (i) | New Flat with 5% Margin | 10.30 | |||
| (ii) | Resale Flat with 15% Margin | 10.20 | |||
| (iii) | New & resale Flat, Construction of House / Bungalow with 20% Margin | 10.05 | |||
| 2 | Housing Loans to EWS Citizens - Priority | Maxmium Loan Amount upto Rs.20.00 lakh | |||
| Both CIBIL Score 700 &Above | 8.85 | ||||
| Both CIBIL Score below 700 | 9.35 | ||||
| 3 | Third Dwelling Unit - Non Priority | Housing loan for purchase of Third Dwelling unit | 11.30 | ||
| 4 | Super Flexi Term Loan | Maximum Loan Up to Rs. 10.00 lakh | |||
| Any One CIBIL Score 700 &Above | 11.10 | ||||
| Both CIBIL score Below 700 | 11.30 | ||||
| Super Flexi Overdraft | Any One CIBIL Score 700 &Above | 12.10 | |||
| Both CIBIL score Below 700 | 12.30 | ||||
| 5 | Flexi Term Loan | Above Rs. 10.00 lakh Up to Rs. 50.00 lakh (Individual i.e. for personal Use/ Consumer expenditure) | |||
| Any One CIBIL Score 700 & Above | 11.10 | ||||
| Both CIBIL score Below 700 | 11.30 | ||||
| 5 | 4 wheeler Vehicle Loan (for personal use) | (a) | Upto Rs. 20.00 lakh(4Wheeler) & Repayment Period Upto 36 Months | ||
| Any One CIBIL Score 700 & Above | 8.35 | ||||
| Both CIBIL Score below 700 | 8.85 | ||||
| Above Rs. 20.00 lakh & Repayment Period Upto 36 Months | |||||
| Any One CIBIL Score 700 & Above | 8.85 | ||||
| Both CIBIL Score below 700 | 9.85 | ||||
| (b) | Upto Rs. 20.00 lakh (4 Wheeler) & Repayment 37 Months to 60 Months | ||||
| Any One CIBIL Score 700 & Above | 8.85 | ||||
| Both CIBIL Score below 700 | 9.35 | ||||
| Above Rs. 20.00 lakh & Repayment Period 37 Months to 60 Months | |||||
| Any One CIBIL Score 700 & Above | 9.35 | ||||
| Both CIBIL Score below 700 | 10.35 | ||||
| (c) | Upto Rs. 20.00 lakh(4Wheeler) & Repayment Period 61 Months to 84 Months | ||||
| Any One CIBIL Score 700 & Above | 9.35 | ||||
| Both CIBIL Score below 700 | 9.85 | ||||
| Above Rs. 20.00 lakh & Repayment Period 61 Months to 84 Months | |||||
| Any One CIBIL Score 700 & Above | 9.85 | ||||
| Both CIBIL Score below 700 | 10.85 | ||||
| 7 | Vehicle Loan for 2 wheeler (for personal use) | Upto Rs. 20.00 lakh(2 Wheeler) & Repayment Period Upto 36 Months | |||
| Any One CIBIL Score 700 & Above | 9.85 | ||||
| Both CIBIL Score below 700 | 10.85 | ||||
| Up to Rs. 20.00 lakh & Repayment period 37 months to 60 Months | |||||
| Any One CIBIL Score 700 & Above | 10.35 | ||||
| Both CIBIL Score below 700 | 11.35 | ||||
| Upto Rs.20.00 lakh (Electrical Vehicle) & Repayment Period Upto 36 months | |||||
| Any One CIBIL Score 700 & Above | 9.35 | ||||
| Both CIBIL Score below 700 | 10.35 | ||||
| 8 | Vehicle Loan - Used Vehicle ( for personal use) | Maximum Loan Up to Rs. 20.00 lakh | |||
| Any One CIBIL Score 700 & Above | 12.35 | ||||
| Both CIBIL Score below 700 | 12.85 | ||||
| 9 | Education Loan | Upto Rs.100.00 lakh | 10.25 (0.50% concession for Girl Students) In case of Option II - Funding of Interest , 1% additional interest to be charged. | ||
| (0.50% concession for Girl Students) | |||||
| 10 | Consumer Loan - Solar Panel for home use | Up to Rs. 5.00 Lakh | 11.50 | ||
| 11 | Personal Loan General | Up to Rs. 5.00 Lakh | |||
| Any One CIBIL Score 700 & Above | 13.80 | ||||
| Both CIBIL Score below 700 | 14.80 | ||||
| 12 | Personal Loan against Kanasanchay Deposit | ||||
| Any One CIBIL Score 700 & Above | 13.80 | ||||
| Both CIBIL Score below 700 | 14.80 | ||||
| 13 | Overdraft against Kansanchay Deposit (Mini Loan Scheme) | 13.30 | |||
| 14 | Loan to Pensioner | 11.30 | |||
| 15 | Loan Against Gold Ornaments | 9.85 | |||
| 16 | Loan / Overdraft Against Gov Sec NSC / LIC / KVP | 9.85 | |||
| 17 | Salary Overdraft | 11.30 | |||
| Personal Loans : Secured Under Deduction Gurantee | |||||
| 18 | Personal Loan Karad Nagar Parishad General | Up to Rs.2.00 lakh | 16.10 | ||
| 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 | 16.60 (For exiting loans only & our Exposure on unsecured loan is restricted to Rs. 5.00 lakhs only) | ||||
| 19 | Personal Loan Karad Nagar Parishad Pensioners | Up to Rs.2.00 lakh | 16.10 | ||
| Above Rs. 2.00 lakh up to Rs.4.00 lakh | 16.60 | ||||
| 20 | Personal Loan Karad Nagar Parishad Blood Relatives | Upto Rs.2.00 lakh | 16.10 | ||
| Above Rs.2.00 lakh to Rs.3.00 lakh | 16.60 | ||||
| 21 | Dns Micro Finance Scheme | Personal loan (Maximum unsecured advance should not exceed Rs.5.00 lakh with our Bank) | 13.50 | ||
| 22 | Group Loan Scheme for Mathadi Workers, Karad (For New & Existing loan accounts) | Up to Rs.5.00 lakh | 15.35 | ||
| 23 | DNS Top Loan | Maximum Rs.25.00 lakh | For New DNS Top up Loan, Additional ROI @ 1% to be charged over and above Housing Loan ROI | ||
| *FOR ANY DEVIATION @0.50% ADDITIONAL INTEREST OVER & ABOVE APPLICABLE ROI TO BE CHARGED [AS A RISK PREMIUM] | |||||
| Note : Fixed ROI option shall be applicable to Housing , Vehicle, Education Loans @ + 2% p.a on the ROI as above. | |||||
| Fixed ROI application guidelines are available on common guidelines | |||||
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