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With Effect from 01/12/2025 |
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CHART FOR RATE OF INTEREST OF ADVANCES |
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|
S. NO. |
PARTICULARS |
As per CIBIL SCORE |
ROI |
Margin |
|
1 |
2 Wheeler Vehicles |
Above 750 |
8.50% |
10% |
|
Below 750 |
9.00% |
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2 |
4 Wheeler & Individual Vehicles |
Above 750 |
9.50% |
15% |
|
Below 750 |
10.00% |
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3 |
Commercial Car : Road Transport |
Above 750 |
11.00% |
15% |
|
Below 750 |
11.50% |
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4 |
Commercial Vehicle / Heavy Vehicles : Road Transport and Truck with Machinery |
Above 750 |
11.00% |
15% |
|
Below 750 |
11.50% |
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5 |
Housing Loan |
Above 750 |
Upto 25 Lakh 8.50% Above 25 Lakh 9.00% |
10% for New Flat
25% for 20 years old Flat (Resale)
50% for above 20 years old Flat (Resale) |
|
Below 750 |
Upto 25 Lakh 9.00% Above 25 Lakh 9.50% |
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6 |
Gold Loan / CC Against Gold |
Priority |
9.00% |
A) As per GL-LTV Circular
B) 50% for CC |
|
Non Priority |
9.50% |
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|
7 |
Mortgage Loan |
Above 750 |
12.50% |
25% |
|
Below 750 |
13.00% |
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|
8 |
Cash Credit / Business Loan |
Grade A |
11.00% |
25% |
|
Grade B |
12.00% |
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Grade C |
13.00% |
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|
9 |
Over Draft Facility For Business |
|
2.00% Extra |
30% |
|
10 |
Commercial Real Estate Loan |
Above 750 |
13.00% |
25% |
|
Below 750 |
15.00% |
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|
11 |
Educational Loan |
Up to Rs.20 Lakh |
10.00% |
25% |
|
Above Rs.20 Lakh |
10.50% |
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|
12 |
Agriculture Loan |
Above 750 |
12.50% |
25% |
|
Below 750 |
13.50% |
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|
13 |
LAD / CCAD |
Against own receipts above Rs.5 Lakh |
1.00% |
15% |
|
Against own receipts below Rs.5.00 Lakh |
2.00% |
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Against Third Party receipts |
3.00% |
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|
14 |
MSME |
Up to Rs.25 Lakh |
9.50% |
25% |
|
Above Rs.25 Lakh |
10.00% |
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|
15 |
NSC & LIC |
|
9.50% |
10% |
|
16 |
Consumer / PL / Hypothecation Loan |
|
13.00% |
25% |
|
17 |
Rent Discounting |
Above 750 |
13.00% |
25% |
|
Below 750 |
13.50% |
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