| Sr. No. |
|
Type of the Loan |
Interest Rate |
| 1 |
|
Salary Loan ( Term Loan/Overdraft) |
|
|
A |
For salary Account Holder |
11.O0% |
|
B |
For Others |
12.00% |
|
|
|
Priority |
Other |
|
C |
Education |
9.50% |
10.00% |
|
|
|
|
| 2 |
A |
suriety (Term Loan/Cash Credit) |
10.00 % to 13.00% |
|
|
|
Priority |
Other |
|
B |
Education |
9.50% |
10.00% |
|
|
|
|
| 3 |
|
Gold Loan/NSE/Shares Loan |
|
|
A |
Priority Loan |
9.00% |
|
B |
Others |
9.50% |
|
|
|
|
|
|
|
Floating |
Fixed |
| 4 |
4.1 |
Hypothication (Term Loan) |
|
|
|
|
For Business |
|
|
|
|
(A) Other Business |
|
|
|
|
Priority |
10.35% |
11.00% |
|
|
Other |
10.45% |
11.10% |
|
|
(B) Construction Business |
13.00% |
14.00% |
|
|
|
|
|
|
4.2 |
Hypothication (Cash Credit) |
|
|
|
|
For Business |
Floating |
Fixed |
|
|
Priority |
- |
9.99% |
|
|
Other |
- |
11.25% |
|
4.3 |
Vehicle Loan |
Floating |
Fixed |
|
|
(A) Four Wheeler |
|
|
|
|
1) New Vehicle |
8.75% |
10.10% |
|
|
2) Pre owned Vehicle |
9.35% |
10.35% |
|
|
(B) Two wheeler, Three Wheeler Vehicle |
9.35% |
10.35% |
|
|
(C) E-cart vehicles |
|
|
Two Wheeler |
9.00% |
10.10% |
|
|
Four Wheeler |
8.65% |
10.10% |
|
|
|
Floating |
Fixed |
|
|
(D) For Business Vehicle Loan |
|
|
|
|
1) Commercial Passing Vehicle |
|
|
|
|
(1.1) New Vehicle |
9.00% |
10.00% |
|
|
(1.2) Pre-Owned Vehicle |
10.00% |
13.00% |
|
|
2) Non-Commercial Passing Vehicle |
8.75% |
10.00% |
|
|
|
|
|
|
4.4 |
Consumption Loan Personal for other reason |
10.00% |
11.00% |
|
|
|
|
|
| 5 |
5.1 |
Housing Loan |
|
|
|
|
(A) Residential |
Priority |
Non priority |
|
|
|
1) CIBIL Score > 800 |
8.65% |
8.90% |
11.15% |
|
|
2) CIBIL Score from 700 - 800 |
8.90% |
9.15% |
11.40% |
|
|
3) CIBIL Score < 700 |
9.15% |
9.40% |
11.65% |
|
|
|
|
|
|
5.2 |
Business Loan (Office/ShopPurchase/Construction) |
Floating |
Fixed |
|
|
Priority |
9.40% |
10.75% |
|
|
Other |
9.65% |
10.85% |
|
|
|
|
|
|
5.3 |
Loan Against Property (Personal) |
|
|
|
|
1) Priority Loan |
9.40% |
11.20% |
|
|
2) Other Loan |
9.65% |
11.45% |
|
|
|
|
|
|
5.4 |
Loan Against Property (Education) |
|
|
|
|
1) Priority Loan |
9.00% |
10.25% |
|
|
2) Other Loan |
9.50% |
10.35% |
|
|
|
|
|
|
5.5 |
Loan Against Property/ Overdraft against Property - Business |
|
|
|
5.5.1 |
Term Loan |
|
|
|
|
(A) Business |
|
|
|
|
1) Priority Loan |
|
|
|
|
1.1) Tenure Upto 3 Years |
9.20% |
10.70% |
|
|
1.2) Tenure Above 3 Years |
9.70% |
11.20% |
|
|
2) Other Loan |
|
|
|
|
2.1) Tenure Upto 3 Years |
9.45% |
10.95% |
|
|
2.2) Tenure Above 3 Years |
9.95% |
11.45% |
|
|
|
|
|
|
|
(B) Construction Business |
13.00% |
14.00% |
|
|
|
|
|
|
5.5.2 |
Overdraft Loan |
|
|
|
|
(A) Other Business |
|
|
|
|
Priority |
- |
9.70% |
|
|
Other |
- |
9.80% |
|
|
(B) Construction Business |
- |
10.50% |
|
|
|
|
|
|
5.6 |
Future Rent Receivable |
11.50% |
11.75% |
|
|
|
|
|
|
5.7 |
Public Charitable Trust |
9.00% |
9.25% |
|
|
|
|
|
| 6 |
|
Bachat Gat |
9.50% |
9.75% |
| 7 |
|
For Solar Panel |
|
|
|
|
(A) Suriety |
|
|
|
|
|
1) Loan sanction upto Rs. 200000 |
|
|
8.00% |
|
|
2) Loan sanction from Rs. 200001 upto Rs. 500000 |
|
|
9.00% |
|
|
(B) Hypothication |
|
|
|
|
|
1) Loan sanction above Rs.500000 |
|
|
9.70% |
| 8 |
|
Joint Liability Group (JLG) Members of Joint Liability Group / Self-Help Group (SHG) /Members of Self-Help Group |
- |
12.00% |
