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| 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% | |||
| Maximum Amount upto Rs. 5 Lakh For Solar | 7.00% | 11.00% | |||
| 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 | 8.65% | 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% | ||
| * If women borrower CIBIL Score is -1, then Interest rate is applicable as per co-borrower CIBIL Score Report. | |||||
| * If borrower and co-borrower both has CIBIL Score is -1, then we will consider the CIBIL score is below 700 By Default. | |||||
| 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 | 10.50% | 14.00% | |||
| 5.5.2 | Overdraft Loan | ||||
| (A) Other Business | |||||
| Priority | - | 9.70% | |||
| Other | - | 9.80% | |||
| (B) Construction Business | - | 14.00% | |||
| 5.6 | Future Rent Receivable | 11.50% | 11.75% | ||
| 5.7 | Public Charitable Trust | ||||
| Loan Sanction Amount | |||||
| 1) Upto Rs. 3.50 Crore | 9.00% | 9.25% | |||
| 2) Rs.3.50 Crore and Above | 8.85% | 9.25% | |||
| ( The above interest rates will continue to be applicable considering the aggregate sanctioned amount ) | |||||
| 6 | Bachat Gat | 9.00% | 9.25% | ||
| 7 | For Solar Panel | ||||
| (A) Suriety | |||||
| 1) Loan sanction upto Rs. 150000 | 7.00% | ||||
| 2) Loan sanction from Rs. 150001 upto Rs. 500000 | 8.50% | ||||
| (B) Hypothication | |||||
| 1) Loan sanction above Rs.500000 | 9.20% | ||||
| Loan Amount (Rs.) | Interest Rate | |
|---|---|---|
| Fixed Deposit A/C Holder | Third Party (A/C Holder) | |
| Upto Rs. 20 Lakh | Fixed Deposit Int. Rate + 2.00 % | Fixed Deposit Int. Rate + 3.00 % |
| More than 20 Lakh upto 25 Lakh | Fixed Deposit Int. Rate + 1.50 % | Fixed Deposit Int. Rate + 2.50 % |
| More than 25 Lakh | Fixed Deposit Int. Rate + 1.00 % | Fixed Deposit Int. Rate + 2.00 % |
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