INTEREST RATES LINKED WITH BPLR & Base Rate (BR)
HOUSING LOAN SCHEME |
| CATEGROY |
LOAN UPTO RS. 20.00 LACS |
| |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
| |
BPLR |
SPREAD |
L.R.
(BPLR+
Spread) |
BR |
SPREAD |
L.R. BR+
Spread) |
| Upto 5 years |
13.50 |
-4.00 |
9.50 |
8.20 |
1.30 |
9.50 |
| Floor Rate |
|
|
9.00 |
|
|
|
| Above 5 years utp 10 years |
13.50 |
-3.50 |
10.00 |
8.20 |
1.80 |
10.00 |
| Floor Rate |
|
|
9.50 |
|
|
|
| Above 10 years upto 20 yrs |
13.50 |
-3.00 |
10.50 |
8.20 |
2.30 |
10.50 |
| Floor Rate |
|
|
10.00 |
|
|
|
| CATEGROY |
LOAN ABOVE RS.20.00LACS AND UPTO RS.30.00 LACS |
| |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
| |
BPLR |
SPREAD |
L.R.
(BPLR+
Spread) |
BR |
SPREAD |
L.R. (BR+
Spread) |
| Upto 5 years |
13.50 |
-3.75 |
9.75 |
8.20 |
1.55 |
9.75 |
| Floor Rate |
|
|
9.25 |
|
|
|
| Above 5 years utp 10 years |
13.50 |
-3.25 |
10.25 |
8.20 |
2.05 |
10.25 |
| Floor Rate |
|
|
9.75 |
|
|
|
| Above 10 years upto 20 yrs |
13.50 |
-2.75 |
10.75 |
8.20 |
2.55 |
10.75 |
| Floor Rate |
|
|
10.75 |
|
|
|
| CATEGROY |
ABOVE RS.30.00 LACS |
| |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
| |
BPLR |
SPREAD |
L.R.
(BPLR+
Spread) |
BR |
SPREAD |
L.R. (BR+
Spread) |
| Upto 5 years |
13.50 |
-3.50 |
10.00 |
8.20 |
1.80 |
10.00 |
| Floor Rate |
|
|
9.50 |
|
|
|
| Above 5 years utp 10 years |
13.50 |
-3.00 |
10.50 |
8.20 |
2.30 |
10.50 |
| Floor Rate |
|
|
10.00 |
|
|
|
| Above 10 years upto 20 yrs |
13.50 |
-2.50 |
11.00 |
8.20 |
2.80 |
11.00 |
| Floor Rate |
|
|
10.50 |
|
|
|
| INTEREST RATES LINKED WITH BPLR & Base Rate (BR) |
| RATES OF INTEREST NOT LINKED WITH CREDIT RATING ON LOANS & ADVANCES |
| |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
| PERSONAL LOAN |
BPLR |
SPREAD |
L.R.
(BPLR+
Spread) |
BR |
SPREAD |
L.R. BR+
Spread) |
| For Salaried Class and Pensioners |
13.50 |
0.00 |
13.50 |
8.20 |
5.30 |
13.50 |
| For Professionals/Self Employed/Club
employees |
13.50 |
1.00 |
14.50 |
8.20 |
5.95 |
14.15 |
| For overdue accounts in both the above
categories |
13.50 |
4.00 |
17.50 |
8.20 |
5.95 |
14.15 |
| CONSUMER LOAN |
|
| For consumer durables for general public /club
employees |
13.50 |
0.50 |
14.00 |
8.20 |
5.95 |
14.15 |
| Consumer credit for married couples |
|
|
|
|
|
|
| If one of spouse is in service – BPLR+0.50% |
13.50 |
0.50 |
14.00 |
8.20 |
5.95 |
14.15 |
| If both are in service -- BPLR |
13.50 |
0.00 |
13.50 |
8.20 |
5.30 |
13.50 |
| For overdue accounts in both the above
categories |
13.50 |
4.00 |
17.50 |
8.20 |
5.95 |
14.15 |
LOANS TO INDIVIDUALS AGAINST
SHARES / DEBENTURES /BONDS |
|
| Shares /debenture in Physical Form - General |
13.50 |
4.00 |
17.50 |
8.20 |
5.95 |
14.15 |
| - For Blue Chip Co. |
13.50 |
2.00 |
15.50 |
8.20 |
5.95 |
14.15 |
| Shares /debenture in Demat Form |
13.50 |
3.50 |
17.00 |
8.20 |
5.95 |
14.15 |
| - For Blue Chip Co. |
13.50 |
1.50 |
15.00 |
8.20 |
5.95 |
14.15 |
| Above 10 years upto 20 yrs |
13.50 |
-2.50 |
11.00 |
8.20 |
2.80 |
11.00 |
OTHER NON PRIORITY SECTOR
PERSONAL LOAN |
|
| General Clean Loan/Overdraft/Clean Bills etc. |
13.50 |
4.00 |
17.50 |
8.20 |
5.95 |
14.15 |
FINANCE TO INTERMEDIARY AGENCY
(EXCLUDING THOSE OF HOUSING) |
13.50 |
-1.50 |
12.00 |
8.20 |
3.80 |
12.00 |
FINANCE TO HOUSING INTERMEDIARY
AGENCIES |
13.50 |
-1.50 |
12.00 |
8.20 |
3.80 |
12.00 |
| |
|
Negotiable |
|
|
| DISCOUNT ON BILLS |
|
Discounting of bills under ILC
I) Upto 90 days |
13.50 |
-1.75 |
11.75 |
8.20 |
3.55 |
11.75 |
| II) From 91 days to 180 days |
13.50 |
-1.25 |
12.25 |
8.20 |
4.05 |
12.25 |
| INTEREST RATE LINKED WITH BPLR & Based Rate (BR) |
AUTO LOAN SCHEME |
CATEGORY |
UPTO RS. 3.00 LACS |
ABOVE RS. 3.00 LACS UPTO 10 LACS |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
BPLR |
SPREAD |
L.R. (BPLR+ Spread) |
BR |
SPREAD |
L.R. (BR+ Spread) |
BPLR |
SPREAD |
L.R. (BPLR+ Spread) |
BR |
SPREAD |
L.R. (BR+ Spread) |
|
|
|
|
|
|
|
|
|
|
|
|
|
New Vehicles |
13.50 |
-3.00 |
10.50 |
8.20 |
2.30 |
10.50 |
13.50 |
-2.50 |
11.00 |
8.20 |
2.80 |
11.00 |
Floor Rate |
|
|
10.00 |
|
|
|
|
|
10.50 |
|
|
|
Old Vehicles |
13.50 |
1.00 |
14.50 |
8.20 |
5.05 |
13.25 |
13.50 |
1.00 |
14.50 |
8.20 |
5.05 |
13.25 |
Floor Rate |
|
|
|
|
|
|
|
|
|
|
|
|
Collateral Linked |
13.50 |
-3.75 |
9.75 |
8.20 |
1.55 |
9.75 |
13.50 |
-3.25 |
10.25 |
8.20 |
2.05 |
10.25 |
Floor Rate |
|
|
9.50 |
|
|
# |
|
|
9.50 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CATEGORY |
ABOVE RS. 10.00 LACS UPTO 20 LACS |
ABOVE RS. 20 LACS |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
BPLR |
SPREAD |
L.R. (BPLR+ Spread) |
BR |
SPREAD |
L.R. (BR+ Spread) |
BPLR |
SPREAD |
L.R. (BPLR+ Spread) |
BR |
SPREAD |
L.R. (BR+ Spread) |
|
|
|
|
|
|
|
|
|
|
|
|
|
New Vehicles |
13.50 |
-2.00 |
11.50 |
8.20 |
3.30 |
11.50 |
13.50 |
-1.25 |
12.25 |
8.20 |
3.55 |
11.75 |
Floor Rate |
|
|
11.00 |
|
|
|
|
|
11.75 |
|
|
|
Old Vehicles |
13.50 |
1.00 |
14.50 |
8.20 |
5.05 |
13.25 |
13.50 |
1.00 |
14.50 |
8.20 |
5.05 |
13.25 |
Floor Rate |
|
|
|
|
|
|
|
|
|
|
|
|
Collateral Linked |
13.50 |
-2.75 |
10.75 |
8.20 |
2.55 |
10.75 |
13.50 |
-2.00 |
11.50 |
8.20 |
3.05 |
11.25 |
Floor Rate |
|
|
9.50 |
|
|
# |
|
|
9.50 |
|
|
# |
# Additional concession of 0.75% for collateral linked Auto Loans for new vehicles only subject to compliance of Priority Sector Circular No.386 dated 31.07.2009 on the Subject matter. |
INTEREST RATE LINKED WITH BPLR & Based Rate (BR) |
EDUCATION LOAN |
CATEGROY |
LOAN UPTO RS. 4.00 LACS |
LOAN ABOVE RS.4.LACS AND UPTO RS.10.00 LACS |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
BPLR |
SPREAD |
L.R. (BPLR+ Spread) |
BR |
SPREAD |
L.R. (BR+ Spread) |
BPLR |
SPREAD |
L.R. (BPLR+ Spread) |
BR |
SPREAD |
L.R. (BR+ Spread) |
|
|
|
|
|
|
|
|
|
|
|
|
|
General Public |
13.50 |
-1.00 |
12.50 |
8.20 |
4.05 |
12.25 |
13.50 |
-0.50 |
13.00 |
8.20 |
4.55 |
12.75 |
Staff as Co-borrower |
13.50 |
-2.00 |
11.50 |
8.20 |
3.05 |
11.25 |
13.50 |
-1.50 |
12.00 |
8.20 |
3.55 |
11.75 |
Concession in interest |
No concession |
0.50 if collateral in addition to guarantee is given |
|
CATEGROY |
ABOVE RS.10 LACS & UPTO RS. 20.00 LACS (to Doctors upto Rs.25.00 lacs in terms of HO PS Cir.Letter No.4/2010 dated 23.1.2010). |
|
|
ROI - EXISTING |
ROI - REVISED (wef.01.07.2010) |
|
BPLR |
SPREAD |
L.R. (BPLR+ Spread) |
BR |
SPREAD |
L.R. (BR+ Spread) |
|
|
|
|
|
|
|
General Public |
13.50 |
0.00 |
13.50 |
8.20 |
5.30 |
13.50 |
Staff as Co-borrower |
13.50 |
-1.00 |
12.50 |
8.20 |
4.30 |
12.50 |
Concession in interest |
No concession |
|
EXISTING |
Revised under BR System |
· Additional concession @ 2% to all borrowers on account of service of interest during moratorium period subject to minimum rate of interest @11.25% for boys. |
- SAME - |
· Additional concession of 0.50% in the aforesaid interest rate structure for girl students, subject to minimum floor rate of 10.75% p.a. |
Education Loan Scheme for Acquiring Special Skills |
Education Loan Scheme for Acquiring Special Skills |
1. 100% Collateral in the shape of FDRs issued by the Bank in the name of Self / Thirt Party - ROI 3% Over the maximum Deposit Rates of FDR |
- Discontinued - |
2. 150% Collateral in the shape of Property, Govt. Securities like NSCs, LIC policies, KVPs in the name of self / third party. - ROI BPLR +1% |
