| 1. |
(A) Hypothecation Cash Credit (Up to Rs.1 Crore) |
| Marks |
Priority |
Non Priority |
| Above 85% |
8.75% |
9.00% |
| 81% to 85% |
9.00% |
9.25% |
| 76% to 80% |
9.25% |
9.50% |
| 71% to 75% |
9.50% |
9.75% |
| 66% to 70% |
9.75% |
10.00% |
| 61% to 65% |
10.00% |
10.25% |
| 56% to 60% |
10.25% |
10.50% |
| 55% & Below |
10.50% |
10.75% |
| (B) Hypothecation Cash Credit(Above Rs.1 Crore) |
| Marks |
Priority |
Non Priority |
| Above 85% |
9.25% |
9.50% |
| 81% to 85% |
9.50% |
9.75% |
| 76% to 80% |
9.75% |
10.00% |
| 71% to 75% |
10.00% |
10.25% |
| 66% to 70% |
10.25% |
10.50% |
| 61% to 65% |
10.75% |
11.00% |
| 56% to 60% |
11.25% |
11.50% |
| 55% & Below |
11.75% |
12.00% |
| 2. |
(A) Secured Cash Credit(Up to Rs.1 Crore) |
| Marks |
Priority |
Non Priority |
| Above 80% |
9.25% |
9.50% |
| 71% to 80% |
9.75% |
10.00% |
| 61% to 70% |
10.25% |
10.50% |
| 60% & Below |
10.75% |
11.00% |
| (B) Secured Cash Credit(Above Rs.1 Crore) |
| Marks |
Priority |
Non Priority |
| Above 80% |
10.00% |
10.25% |
| 71% to 80% |
10.50% |
10.75% |
| 61% to 70% |
11.25% |
11.50% |
| 60% & Below |
12.00% |
12.25% |
| 3. |
Pledge Loan # |
9.25% |
| 4. |
Real Estate/Builder Loan (Cash Credit) |
12.25% |
| 5. |
Real Estate/Builder Loan (Term Loan) |
13.00% |
| 6. |
Business Term Loan |
| Marks |
Priority |
Non Priority |
| Above 80% |
9.25% |
9.75% |
| 71% to 80% |
9.75% |
10.25% |
| 61% to 70% |
10.25% |
10.75% |
| 60% & Below |
10.75% |
11.25% |
| 7. |
Machinery Loan |
| Marks |
Priority |
Non Priority |
| Above 80% |
9.25% |
9.75% |
| 71% to 80% |
9.75% |
10.25% |
| 61% to 70% |
10.25% |
10.75% |
| 60% & Below |
10.75% |
11.25% |
| 8. |
Loan Against Property (Commercial) |
12.00% |
| 9. |
Greenfield Advances |
| (A) Hypothecation Cash Credit |
| Marks |
Priority |
Non Priority |
| Above 80% |
9.75% |
10.00% |
| 71% to 80% |
10.00% |
10.25% |
| 61% to 70% |
10.25% |
10.50% |
| 60% & Below |
10.50% |
10.75% |
| (B) Business Term Loan |
9.75% |
| (C) Machinery Loan |
9.75% |
| 10. |
Term Loan(Trust/ Other Institute) |
10.75% |
| 11. |
Education Loan |
9.00% |
| 12. |
Vehical Loan* |
| (A) New Vehical Loan (Floating Rate = Repo Rate @5.25% + Spread) |
| CIBIL Score >=800 or CMR 1 to 2 |
7.65% |
| CIBIL Score >=750 and <800 or CMR 3 to 4 |
8.00% |
| CIBIL Score >=700 and <750 or -1 or 0 or CMR 5 to 6 |
8.50% |
| CIBIL Score >=600 and <700 or CMR 7 to 8 |
8.75% |
| (A) New Vehical Loan (Fixed Rate) |
| CIBIL Score >=700 or -1 or 0 or CMR 1 to 6 |
9.00% |
| (B) Vehical Loan (Commercial) (Floating Rate = Repo Rate @5.25% + Spread) |
| CIBIL Score >=750 or CMR 1 to 3 |
10.50% |
| CIBIL Score >=700 and <750 or -1 or 0 or CMR 4 to 7 |
11.00% |
| CIBIL Score >=600 and <700 or CMR 8 to 10 |
11.25% |
| (B) Vehical Loan (Commercial) (Fixed Rate) |
| CIBIL Score >=700 or -1 or 0 or CMR 1 to 6 |
11.50% |
| (C) Vehical Loan (Old Vehical) |
12.00% |
| (D) Vehical Loan (For 2 Wheeler) |
8.50% |
| 13. |
Home Loan* |
| (A) Home Loan ( Up to Rs.50 Lacs ) (Floating Rate = Repo Rate @5.25% + Spread) |
| CIBIL Score >=800 |
7.50% |
| CIBIL Score >=750 and <800 |
7.70% |
| CIBIL Score >=700 and <750 or -1 or 0 |
8.05% |
| CIBIL Score >=600 and <700 |
8.55% |
| (B) Home Loan ( Above Rs.50 Lacs ) (Floating Rate = Repo Rate @5.25% + Spread) |
| CIBIL Score >=800 |
7.70% |
| CIBIL Score >=750 and <800 |
7.90% |
| CIBIL Score >=700 and <750 or -1 or 0 |
8.25% |
| CIBIL Score >=600 and <700 |
8.75% |
| (C) Home Loan (Up to 2 Crore) (Fixed Rate) |
| CIBIL Score >=700 or -1 or 0 |
9.25% |
| 14. |
Home Loan - Top Up* |
| Term Loan - Existing Housing Loan Rate + 0.50% (As per Floating Rate / Fixed Rate) |
| Top Up Scheme should be in line with Housing Loan Scheme |
| 15. |
(A) Term Loan - Individual ( Up to Rs.1 Crore ) |
| CIBIL Score >=750 and up to 65% FOIR |
9.50% |
| CIBIL Score >=700 and <750 and up to 65% FOIR |
10.00% |
| CIBIL Score >=650 and <700 or -1 or 0 and up to 65% FOIR |
10.50% |
| CIBIL Score >=600 and <650 and up to 65% FOIR |
11.00% |
| CIBIL Score >=750 and above 65% FOIR and up to 100% FOIR |
10.00% |
| CIBIL Score >=700 and <750 and above 65% FOIR and up to 100% FOIR |
10.50% |
| CIBIL Score >=650 and <700 or -1 or 0 and above 65% FOIR and up to 100% FOIR |
11.00% |
| CIBIL Score >=600 and <650 and above 65% FOIR and up to 100% FOIR |
11.50% |
| (B) Term Loan - Individual ( Above Rs.1 Crore ) |
| CIBIL Score >=750 and up to 65% FOIR |
9.75% |
| CIBIL Score >=700 and <750 and up to 65% FOIR |
10.25% |
| CIBIL Score >=650 and <700 or -1 or 0 and up to 65% FOIR |
10.75% |
| CIBIL Score >=600 and <650 and up to 65% FOIR |
11.25% |
| CIBIL Score >=750 and above 65% FOIR and up to 100% FOIR |
10.25% |
| CIBIL Score >=700 and <750 and above 65% FOIR and up to 100% FOIR |
10.75% |
| CIBIL Score >=650 and <700 or -1 or 0 and above 65% FOIR and up to 100% FOIR |
11.25% |
| CIBIL Score >=600 and <650 and above 65% FOIR and up to 100% FOIR |
11.75% |
| 16. |
Loan Against Property(Individual)( Max. Limit Rs. 25 Lakh) |
| Up to 65% FOIR |
13.00% |
| Above 65% FOIR and up to 100% FOIR |
14.00% |
| 17. |
LIC/KVP/Postal Certificate |
12.00% |
| 18. |
Rooftop Solar Loan |
9.50% |
| 19. |
Personal Loan |
12.00% |
| 20. |
Mahila Vikas Loan |
10.50% |
| 21. |
e-Shram Loan |
10.50% |
| #Existing Loan Holder have applicable this Rate of Interest |
| * As per T&C |
