| Sr.No. |
Particular |
Interest Rate |
| 1 |
Housing Loan |
|
| Upto Rs. 35 lakhs |
CIBIL Score>750 – 8.50%
CIBIL Score>650-750 – 9% |
| Above Rs. 35 lakhs |
CIBIL Score>750 – 8.75%
CIBIL Score>650-750 – 9% |
| 2 |
Unsecured Loan
|
13% |
| 3 |
Secured Loan Computer, Consumer Durable, Furniture etc. |
13% |
| 4 |
For Non SSI |
|
| New purchased machinery - upto Rs. 15.00 lakh |
13% (No colateral security required) |
| New purchased machinery - above Rs. 15.00 lakh |
12% (Colateral security required) |
| 5 |
Education Loan |
|
| Upto Rs. 2.00 lakh |
8% |
| Upto Rs. 5.00 lakh |
8.5% |
| Above Rs. 5.00 lakh |
9% (security required) |
| 6 |
Vehicle Loan |
|
| Upto 36 Months |
8% |
| 37- 60 Months |
8.15% |
| Upto 84 Months |
8.25% |
| Commercial Vehicle |
12% |
| 7 |
Business Loan |
|
Small Scale Industries
(having SSI Certification only)
Small Medium Enterprises, Traders |
CIBIL Score>700 - 9% Monthly Rest |
| Loan against Property |
12% Monthly Rest |
Flexi-pro
OD & Term Loan |
11.50% (Period-8 years)
CIBIL Score>700 - 11.50%
CIBIL Score <700 - 12.50% |
| Builder Finance |
15% Monthly Rest
With 1% rebate for regular repayment |
| Shop/Office Purchase etc. |
12% (Period-10yrs.) |
| 8 |
Professionals CA, Doctors, Architect, Chartered Engineers (For equipment purchase/furniture or any other purpose) |
10% |
| 9 |
TOD I Adhoc Limit I Short Term Loan |
16%
If SSI/SME-14% |
| 10 |
FDR Loan |
|
| Own |
1% more than ROI on FDR |
| Third Party |
2% more than ROI on FDR |
| 11 |
Gold Loan |
|
| Upto Rs. 2.00 lakh |
8.50% |
| Above Rs. 2.00 lakh |
9.00% |
| 12 |
Gold - Cash Credit |
Margin - 30%
ROI as per above slab |
| 13 |
NSC, LIC Loan |
11% |
| 14 |
Loan Against Rent Receivables on Property |
13% |
| 15 |
Medical Shop / Generic Pharma |
|
| Upto Rs. 10.00 lakh |
10% (No colateral required) |
| Above Rs. 10.00 lakh |
12% (Colateral required) |
| 16 |
Professors / Teachers / Staff / Sub Staff |
|
| Rs. 10.00 lakh |
CIBIL Score> 700 - 9%
CIBIL Score< 700 - 10% |
| 17 |
Microfinanace
(Tea shop, Vegetable/Florist shop, Tailor, Mess, Nurses, Grocery shop, Parler (Ladies/Gents), Rickshaw driver, Shoe/Slipper shop) |
CIBIL Score> 700 - 10%
CIBIL Score< 700 - 12%
(No Process Fee, No Preclosure Charges, No Collateral charges) |
