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Rate of Interest (w.e.f. 08.05.2025)
| Sr. No. | Product | Particulars | Proposed ROI (% p.a) w.e.f. 08.05.2025 | ||
|---|---|---|---|---|---|
| 1 | Housing Loan | Housing Loan Maximum Limit Rs.200.00 lakh under 'Swapnapoorti-25-26 Scheme' | |||
| Under Prority Sector | |||||
| Both Cibil Score Above 700 | 8.35 | ||||
| One CIBIL Score above 700 | 8.5 | ||||
| Both CIBIL Score below 700 | 8.75 | ||||
| Under Non-Prority Sector | |||||
| Both Cibil Score Above 700 | 8.75 | ||||
| One Cibil Score above 700 | 9.00 | ||||
| Both Cibil Score below 700 | 9.25 | ||||
| For repayment within 10 years ROI shall be 0.50% less over the above rates | |||||
| 2 | Housing Loan to EWS Citizens - Priority | Maxmium Loan Amount upto Rs.20.00 lakh | |||
| Both Cibil Score Above 700 | 8.85 | ||||
| One CIBIL Score above 700 | 9.35 | ||||
| Both CIBIL Score below 700 | 9.85 | ||||
| 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) | Product Vehicle Loan - 4 Wheeler -25-26 | |||
| Upto 50.00 lakhs | |||||
| Repayment period upto 36 months, one CIBIL Score above 700 | 8.25 | ||||
| Repayment period up to 36 months, Both CIBIL Score below 700 | 8.75 | ||||
| Repayment period above 36 months and upto 60 months, one cibil score above 700 | 8.75 | ||||
| Repayment period above 36 months and upto 60 months, one cibil score above 700 | 9.25 | ||||
| Repayment period above 60 months and upto 84 months, one cibil score above 700 | 9.25 | ||||
| Repayment period above 60 months and upto 84 months one cibil score below 700 | 9.75 | ||||
| Above 50.00 lakhs | |||||
| Repayment period upto 36 months, one CIBIL Score above 700 | 8.75 | ||||
| Repayment period up to 36 months, Both CIBIL Score below 700 | 9.75 | ||||
| Repayment period above 36 months and upto 60 months, one cibil score above 700 | 9.25 | ||||
| Repayment period above 36 months and upto 60 months, one cibil score above 700 | 10.25 | ||||
| Repayment period above 60 months and upto 84 months, one cibil score above 700 | 9.75 | ||||
| Repayment period above 60 months and upto 84 months one cibil score below 700 | 10.75 | ||||
| 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 | Education Loan-25-26 Maximum Limit Rs. 100.00 lakhs | |||
| Male Students | |||||
| Option 1 –Non funding of interest during Moratorium | 9.75 | ||||
| Option II –Funding of interest during Moratorium | 10.25 | ||||
| Female Students | |||||
| Option 1 –Non funding of interest during Moratorium | 9.5 | ||||
| Option II –Funding of interest during Moratorium | 9.75 | ||||
| 10 | Consumer Loan - Solar Panel for home use | Up to Rs. 5.00 Lakh | 11.50 | ||
| 11 | Personal Loan General | Maximum 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 | Term Loan | 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 | ||
| Above Rs. 2.00 lakh up to Rs.5.00 lakh | 16.60 | ||||
| 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 ( Only for Housing Repairs & Renovation) | 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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DNS Bank
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