| |
|
|
| |
Loan Rates And Conditions Applicable from 12 June, 2020 |
|
| |
|
|
| |
(1) Business Loan: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Cash Credit |
Up to 25 Lakh |
10.00% |
1 Year |
Cash Credit |
From 25 Lakh and to 100 Lakh |
11.00% |
1 Year |
Term Loan |
Up to 50000/- |
11.50% |
36 Months |
Term Loan |
50001 to Twenty Five Lakh |
10.50% |
84 Months |
Term Loan |
Above Twenty Five Lakh |
11.50% |
120 Months |
|
|
| |
|
|
| |
(2) Business OD Limit: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Business OD Limit |
New Limit upto 25 Lakh |
10.50% |
1 Year |
Business OD Limit |
Old Limit Renewal Up to 125 Lakh |
10.50% |
1 Year |
|
|
| |
|
|
| |
(3) Project Finance: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Rennovation of Project |
Up to Five Lakh |
11.00% |
60 Months |
Rennovation of Project |
Above 5 Lakh To Twenty Lakh |
12.00% |
120 Months |
New Project |
Up to 10 Lakh |
10.50% |
84 Months |
New Project |
Above 10 Lakh to 25 Lakh |
11.00% |
120 Months |
New Project |
Above 25 Lakh |
11.00% |
120 Months |
|
|
| |
|
|
| |
(4) Transport Loan: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Two Wheeler |
Up to 70000/- |
9.00% |
12 Months |
Two Wheeler |
Up to 70000/- |
10.00% |
18 Months |
Two Wheeler |
Up to 70000/- |
12.00% |
24 Months |
Two Wheeler Electric (RTO/Non RTO Reg.) |
Up to 50000/- |
15.00% |
12 Months |
Two Wheeler Electric (RTO/Non RTO Reg.) |
Up to 50000/- |
15.00% |
18 Months |
| Light Four Wheeler |
Up To 12 Lakh |
8.50% |
36 Months |
| Light Four Wheeler |
Up To 12 Lakh |
9.50% |
48 Months |
| Light Four Wheeler |
Up To 12 Lakh |
10.00% |
60 Months |
|
|
| |
|
|
| |
(5) Plant & Machinery Finance |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Rennovation of Immovable of Factory / Project |
Upto Five Lakh |
11.00% |
60 Months |
Rennovation of Immovable of Factory / Project |
Above Five Lakh to Twenty Lakh |
11.00% |
120 Months |
| Purchase of Plant & Machinery / Project |
Upto 10 Lakh |
10.50% |
84 Months |
| Purchase of Plant & Machinery / Project |
Above 10 Lakh to 25 Lakh |
10.50% |
120 Months |
| Purchase of Plant & Machinery / Project |
Above 25 Lakh |
11.00% |
120 Months |
|
|
| |
|
|
| |
(6) COVID 19 Package Loan(Valid till 31-10-2020) |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Samridhi Micro Finance |
Upto 40000/- |
18.00% |
100 Days |
Samridhi Working Capital Loan |
Upto 10 Lakh |
9.50% |
24 Months |
| Samridhi Business Loan |
Upto 25 Lakh |
10.00% |
60 Months |
|
|
| |
|
|
| |
(7) Residential Plot Purchase Loan: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Residential Plot Purchase |
Up to 25 Lakh |
10.50% |
120 Months |
Residential Plot Purchase |
Above 25 Lakh To 75 Lakh |
11.00% |
120 Months |
|
|
| |
|
|
| |
(8) Housing Loan: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Renovation / Repairs |
Up To Two Lacs |
12.50% |
60 Months |
House Purchase / Plot Purchase & New Construction / New Construction |
Up to 20 Lakh |
8.50% |
120 Months |
House Purchase / Plot Purchase & New Construction / New Construction |
Upto 25 Lakh |
8.50% |
180 Months |
House Purchase / Plot Purchase & New Construction / New Construction |
Above 25 Lakh to 70 Lakh |
8.50% |
120 Months |
House Purchase / Plot Purchase & New Construction / New Construction |
Above 25 Lakh to 70 Lakh |
8.75% |
180 Months |
House Purchase / Plot Purchase & New Construction / New Construction |
Above 25 Lakh to 70 Lakh |
9.00% |
240 Months |
|
|
| |
|
|
| |
(9) Consumer Loan: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
House Hold (T.V.,Freeze, A.C. etc.) |
Up to 45000/- |
15.00% |
36 Months |
|
|
| |
|
|
| |
(10) Education Loan: for Professional Courses Like BBA, MBA, Engineering, MBBS or any Technical Degree Course to the Children with their earning parents: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Education Loan |
Up to Five Lakh |
9.00% |
84 Months |
Education Loan |
Above Five Lakh to Ten Lakh |
10.00% |
120 Months |
|
|
| |
|
|
| |
(11) Mortgage Loan: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Loan Against Property of Lady |
Upto Five Lakh |
11.50% |
84 Months |
Loan Against Property of Lady |
Above 5 Lakh to 10 Lakh |
11.50% |
120 Months |
Loan Against Property of Lady |
Above 10 Lakh to 25 Lakh |
11.75% |
120 Months |
Mortgage Limit |
Upto 25 Lakh |
11.00% |
1 Year |
Mortgage Limit |
Old Limit Renewal Upto 125 Lakh |
12.00% |
1 Year |
|
|
| |
|
|
| |
(12) Personal Loan: |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Govt. Employee Or Corporate Who eligible for PF Minimum Service 3 Years |
Upto 50000/- |
16.00% |
36 Months |
Govt. Employee Or Corporate Who eligible for PF Minimum Service 3 Years |
Above 50000/- to Two Lakh |
15.00% |
60 Months |
|
|
| |
|
|
| |
(13) Loan / Limit Against NSC / KVP |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Loan / Limit ag. NSC/KVP |
75% of Face Value |
10.00% |
Till Maturity |
|
|
| |
|
|
| |
(14) Loan / Limit Against LIC of India |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Loan / Limit Against LIC |
75% of Surrender Value |
10.00% |
Till Maturity |
|
|
| |
|
|
| |
(15) Loan / Limit Against AGBY A/cs. |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Loan ag. AGBY A/cs. |
80% of O/S Balance |
9.00% |
Till Maturity |
|
|
| |
|
|
| |
(16) Loan / Limit Against FDR |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Loan ag. FDR |
Limit 90% Face Value |
1.00% Above |
Till Maturity |
|
|
| |
|
|
| |
(17) Loan Limit Against Gold |
|
| |
|
|
| |
Type of Loan |
Limit |
ROI |
Max. Period |
Loan ag. Gold |
65% of Pure Value Obtained (Max Upto One Lakh) |
12.00% |
1 Year |
|
|
| |
|
|
| |
| |
|
|
