| No. |
TYPES OF ADVANCES |
Revised ROI (% P.A.) |
| 1 |
PERSONAL LOANS (Consumer/Surety Loans) |
| a. |
up to Rs. 2.00 Lakhs |
14.00 |
| b. |
Above Rs.2.00 lakhs up to Rs.5.00 Lakhs |
14.50 |
| c. |
Personal Loan Repayment Through ECS/salary account with our Bank/ Salary Deduction (Under Sec.49 Of M.C.S. Act) |
12.00
(In Case Of company having more than 100 Employees)
(In Case Of Salary Deduction Letter Giving Confirmation Of Salary Deduction To Be Obtained From Company) |
| d. |
Consumer Durables (New purchase) |
12.50 |
| 2 |
GOLD LOANS (Including Bullet payment) / OVERDRAFTS |
8.50 |
| 3a |
LOAN/OD AGAINST TERM DEPOSIT RECEIPTS (Our Bank's Fixed Deposit) |
Individual 0.50% More
Trust/Company/Firm/Society 0.50% More |
| 3b |
LOAN/OD AGAINST THIRD PARTY TERM DEPOSIT RECEIPTS (Our Bank's Fixed Deposit only) |
Advances Against Third Party FDR: 1.00% Over Deposit Rate |
| 4 |
LOAN/OD AGAINST GOVT. SECURITIES |
11.50 |
| 5 |
BUSINESS LOAN & ADVANCES |
|
| a |
| (INDUSTRIAL LOAN) for Industries & Manufacturing Unit |
| Up to Rs. 10.00 lakh |
| Above Rs. 10.00 lakh & Up to Rs. 100.00 lakh |
| Above Rs. 100.00 lakh |
|
| New Term Loan |
CC/OD |
| |
|
| 10.25 |
10.75 |
| 10.25 |
10.75 |
| 10.00 |
10.50 |
|
| 5b |
BUSINESS LOAN & ADVANCES
for Trading & Service Industry |
| Up to Rs. 10.00 lakh |
| Above Rs. 10.00 lakh |
|
| Term Loan |
CC/OD |
| |
|
| 10.25 |
10.75 |
| 10.50 |
10.75 |
|
| 6 |
MORTGAGE LOAN (LAP) |
Repayment period Upto 5 Years – 9.50
Repayment period Above 5 years to 7 years - 10.00
Repayment Period Above 7 years to 10 years -10.50 |
| 7 |
HOUSING LOAN - (HOME SWEET HOME) |
Upto Rs.35.00 Lakh – 8.25
Above Rs. 35.00 Lakh – 8.50 |
| 8 |
HOUSE REPAIRS (Max. loan upto Rs.3.00 Lakhs) |
11.50 |
| 9 |
| EDUCATION LOAN (VIDYA) |
| up Rs.20.00 Lakh |
| Above Rs.20.00 Lakh |
|
|
| 10 |
VEHICLE LOANS |
|
| a. |
Two Wheeler for Personal Use |
9.50 |
| b. |
Four Wheeler for Personal Use |
Repayment Upto Three years - 8.25
Repayment Above Three years & upto 7 years – 8.75
10% margin on Road cost
|
| c. |
Two Wheeler Electronic Vehicle |
9.50 (Margin NIL)
(Repayment 36 months Only)
|
| d. |
Four Wheeler Electronic Vehicle (Permanent Resident Only) |
Repayment Upto Three years - 8.25
Repayment Above Three years & upto 5 years – 8.75
Margin NIL
|
| e. |
Second hand (used) Vehicle (Repayment Period up to 3 years) |
12.00 |
| d. |
VEHICLE LOANS - (For Commercial Use) 3 Wheeler/ 4 Wheeler |
10.50 |
| e. |
Second hand (used) Commercial Vehicle (Up to 3 years old repayment tenure Max. 3years) |
12.50 |
| |
|
|
| 11 |
LOANS TO PROFESSIONALS
(ARCHITECT, CHARTERED ACCOUNTANT etc.) |
|
| a |
Upto Rs.25.00 Lakh |
9.50 |
| b |
Above Rs.25.00 Lakh |
9.75 |
| 12 |
LOANS TO DOCTORS (DOCTOR HELLO), HOSPITALS, CLINICS. |
9.50 |
| 13 |
BUSINESS LOANS TO PHARMA DISTRIBUTORS (Term Loan, Cash Credit / Overdraft Limit) |
10.00 |
| 14 |
Agricultural Loans |
9.00 |
| 15 |
BUILDERS & DEVELOPERS / CRE NEW LOANS /OD (Existing OD only) |
13.00 |
| 16 |
SUHANA SAFAR LOAN SCHEME |
9.00 |
| 17 |
FOR HOTEL / RESORTS |
12.00 |
| 18 |
LEASE RENT DISCOUNTING (LRD) |
Rent Received from Corporates – 10.00
Rent Received from Others – 11.00 |
| 19 |
BUSINESS EXPANSION LOAN (No Concession)
For Existing Customer as well as New Customer in case of Takeover |
10.00 |
