Sr no. Type of Loan Revised Rates % p.a. w.e.f 01/08/2023
1. Personal Loan
a. VVSB Insta Personal Loan Scheme 12.50% p.a
b. Above Rs.2.00 Lakh & Up to Rs. 5.00 Lakh 13.00% p.a
c. Personal Loan Repayment Through Salary Deduction to be obtained from company. (Under Sec.49 of M.C.S. Act) 11.00% p.a
VVCMC Permanent Employee 11.00% p.a
d. Consumer Durables (New purchase) 12.25% p.a
2. Glittering Gold Loan Scheme 8.00% p.a
3. Sun Solar Loan
a. For Individual use 8.25% p.a
a. For Commercial use 8.50% p.a
4. Loan/OD against Term Deposit Receipts
a. For Individual / Trusts / Company / Firm / Society 0.75% more
b. Loan/OD against Third Party Term Deposit Receipts 1.25% more
5. Loan/OD against Govt. Securities 10.00% p.a
6. Business Loan & Advances
a. Industrial Loan (for Industries & Manufacturing Units)
Up to Rs. 100.00 Lakh 10.50% p.a
Above Rs. 100.00 Lakh 10.00% p.a
b. Business Loan & Advances (for Trading & Service Industry)
Up to Rs. 10.00 Lakh 10.50% p.a
Above Rs. 10.00 Lakh 10.00% p.a
7. Mortgage Loan
a. Repayment period up to 5 years 9.25% p.a
Repayment period Above 5 to 7 years 9.75% p.a
Repayment period Above 7 to 10 years 10.25% p.a
8. Housing Loan (Home Sweet Home)(RERA Approved) & Resale of Flat (OC Building)
a. Up to Rs. 35.00 Lakh for CIBIL Score : >800 & above
ROI: 8.25% p.a
for CIBIL Score : >700 to 800
ROI: 8.75% p.a
for CIBIL Score : 600 to 700
ROI: 9.50% p.a
b. Above Rs. 35.00 Lakh & Up to Rs. 140.00 Lakh for CIBIL Score : >800 & above
ROI: 8.25% p.a
for CIBIL Score : >700 to 800
ROI: 9.00% p.a
for CIBIL Score : 600 to 700
ROI: 9.75% p.a
c. Loan up to Rs.25.00 Lakh (with agreement value less than or equal to Rs.45.00 Lakh) for CIBIL Score >800 & above
ROI : 7.60% p.a
for CIBIL Score >750 to 800
ROI : 7.75% p.a
for CIBIL Score >700 to 750
ROI : 8.25% p.a
for CIBIL Score >650 to 700
ROI : 8.50% p.a
9. House Repairs (Max. loan upto Rs. 5.00 Lakh) 11.00% p.a
10. Education Loan
a. Saraswati Education Loan 8.50% p.a
b. Mortgage Loan (for Education purpose)
Repayment upto 5 years 9.00% p.a
Repayment period above 5 to 7 years 9.50% p.a
11. Vehicle Loan
a. Two Wheeler for personal use 8.75% p.a
b. Two Wheeler Electronic Vehicle 8.50% p.a
Dream Car Loan Scheme
c. Four Wheeler for personal use
Repayment Up to 3 years 7.75% p.a
10% margin on-road cost
Repayment Above 3 years & upto 7 years 8.25% p.a
10% margin on-road cost
d. Four Wheeler Electronic Vehicle / CNG for Personal use
Repayment Up to 3 years 7.65% p.a & Margin NIL
Repayment Above 3 years & upto 7 years 8.00% p.a & Margin NIL
e. Vehicle Loans (for Commercial use)
(3-wheeler/4-wheeler)
9.75% p.a
f. Vehicle Loans (for Commercial use)
Electric/CNG (3-wheeler/4-wheeler)
9.50% p.a
12. Loan to Professionals (Architects, CA, etc.)
a. Up to Rs. 25.00 Lakh 9.25% p.a
b. Above Rs. 25.00 Lakh 9.50% p.a
13. Health Care Loan Scheme
a. Loan to Doctors 9.25% p.a
b. Business Loans to Pharma Distributors - Fin Pharma
if CMR score is between 1 to 4 and in case of Proprietary firm,
CIBIL >700
9.25% p.a
if CMR score is between 4 to 7 and in case of Proprietary firm,
CIBIL >=650 under fin pharma scheme
9.50% p.a
14. Agricultural Loan 8.50% p.a
15. Builders & Developers CRE New Loans/OD 13.50% p.a
16. Suhana Safar Loan Scheme 8.50% p.a
17. For Hotels/Resorts 12.00% p.a
18. Lease Rent Discounting (LRD)
a. Rent Recieved from Corporate 9.75% p.a
b. Rent Recieved from Others 10.25% p.a
19. Business Development Scheme 9.75% p.a
20. COMBO Loan Scheme
Electric/CNG Two Wheeler / Four Wheeler Agriculture Equipment - Electrical or Battery Solar Loan
(Repayment up to 5 to 7 years Loan up to Rs.25.00 Lakh) 8.50% p.a
21. Unnati Loan(for commercial credit/small businessman)
If Commercial CIBIL rating i.e CMR is between 1 to 4 & incase of Proprietary firm,individual CIBIL score must be >700 9.15% p.a
If Commercial CIBIL rating i.e CMR is between 5 to 7 & incase of Proprietary firm, individual CIBIL score must be 650 and above 9.35% p.a
22. Utkarsh (Loan for Commercial Credit)
a. If Commercial CIBIL rating is between CMR 1 to CMR 4 & incase of Proprietary firm, individual CIBIL score must be >700 9.25% p.a
b. If Commercial CIBIL rating is between CMR 5 to CMR 7 & incase of Proprietary firm, individual CIBIL score must be 650 and above 9.50% p.a
23. Udyogini Scheme
Limit Upto Rs. 10.00 lakhs (For new startup)
For Upto Rs. 20.00 lakhs(For existing set up)
9.25% p.a
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