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Loan Rates And Conditions Effected from 01 June 2017 |
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(1) Business Loan: |
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Type of Loan |
Limit |
ROI |
Cash Credit |
Up to 125 Lacs |
10.50% |
Term Loan |
Up to Fifty Thousands |
11.50% |
Term Loan |
Above Fifty Thousands to Five Lacs |
11.50% |
Term Loan |
Above Five Lacs |
11.00% |
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(2) Business OD Limit: |
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Type of Loan |
Limit |
ROI |
Business OD Limit |
Up to 125 Lacs |
11.00% |
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(3) Project Finance: |
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Type of Loan |
Limit |
ROI |
Rennovation of Project |
Up to Five Lacs |
11.00% |
Rennovation of Project |
Above Five Lacs To Twenty Lacs |
12.00% |
New Project |
Up to Ten Lacs |
11.50% |
New Project |
Above 10 Lacs to Thirty Lacs |
11.50% |
New Project |
Above Thirty Lacs |
11.50% |
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(4) Transport Loan: |
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Type of Loan |
Limit |
ROI |
Two Wheeler |
Up to Fifty Thousands |
12.00% |
Light Four Wheeler |
Up to Five Lacs |
9.00% |
| Light Four Wheeler |
Above Five Lacs To Eight Lacs |
9.00% |
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(5) Plant & Machinery Finance |
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Type of Loan |
Limit |
ROI |
Rennovation of Immovable of Factory / Project |
Upto Five Lacs |
11.00% |
Rennovation of Immovable of Factory / Project |
Above Five Lacs to Twenty Lacs |
11.00% |
| Purchase of Plant & Machinery |
Upto Ten Lacs |
11.00% |
| Purchase of Plant & Machinery |
Above Ten Lacs to Forty Lacs |
11.00% |
| Purchase of Plant & Machinery |
Above Forty Lacs |
11.00% |
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(6) Housing Loan: |
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Type of Loan |
Limit |
ROI |
Renovation / Repairs |
Up To Two Lacs |
12.50% |
House Purchase / Plot Purchase / New Construction |
Up to Ten Lacs |
8.50% |
House Purchase / Plot Purchase & New Construction / New Construction |
Above Ten Lac to Twenty Lac |
8.50% |
House Purchase / Plot Purchase & New Construction / New Construction |
Above Twenty to Seventy Lac |
8.50% |
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(7) Consumer Loan: |
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Type of Loan |
Limit |
ROI |
House Hold (T.V.,Freeze, A.C. etc.) |
Up to Forty Five Thousands |
15.00% |
House Hold (T.V.,Freeze, A.C. etc.) |
Above Forty Five Thousands |
15.00% |
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(8) Mortgage Loan: |
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Type of Loan |
Limit |
ROI |
Loan Against Property of Lady |
Upto Five Lacs |
11.50% |
Loan Against Property of Lady |
Above 5 Lac to Ten Lac |
11.50% |
Loan Against Property of Lady |
Above Ten Lac to Twenty Lac |
11.75% |
Loan Against Property of Lady |
Above Twenty Lac |
11.75% |
Mortgage Limit |
Upto Twenty Lac |
12.00% |
Mortgage Limit |
Above Twenty to Forty Lac |
12.00% |
Mortgage Limit |
Above Forty Lac |
12.00% |
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(9) Personal Loan: |
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Type of Loan |
Limit |
ROI |
Govt. Employee Or Corporate Who eligible for PF Minimum Service 3 Years |
Upto Fifty Thousand |
16.00 |
Govt. Employee Or Corporate Who eligible for PF Minimum Service 3 Years |
Above Fifty Thousand to Two Lacs |
15.00% |
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(10) Loan / Limit Against Tangible Security |
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Type of Loan |
Limit |
ROI |
Loan / Limit ag. NSC/KVP |
75% of Face Value |
10.00% |
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(11) Loan / Limit Against LIC of India |
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Type of Loan |
Limit |
ROI |
Loan / Limit Against LIC |
75% of Surrender Value |
10.00% |
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(12) Loan / Limit Against AGBY A/cs. |
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Type of Loan |
Limit |
ROI |
Loan ag. AGBY A/cs. |
80% of O/S Balance |
9.00% |
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(13) Loan / Limit Against FDR |
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Type of Loan |
Limit |
ROI |
Loan ag. FDR |
Limit 90% Face Value |
1.00% Above |
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(14) Loan / Limit Against Gold |
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Type of Loan |
Limit |
ROI |
Loan ag. Gold |
65% of Pure Value Obtained (Max Upto One Lac) |
12.00% |
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