| 1 | Unsecured Loan with Two Guarantors and with PDC | Up to Rs.5 Lakhs | 15.00% | 15.00% |
| 2 | Housing Loan For Purchase of Residential Property /Construction of House property | | | |
| A | Housing Loan Subject to 70 % of Purchase consideration as entered into Agreement of Sale / Construction of Residential Unit on freehold owned possessed Land ( Cost of construction excluding cost of Land) *Subject to Repayment capacity | Up to Rs.10 Lakhs | 10.50% | |
| a)CIBIL Score More than 749 | | | 9.50% |
| b)CIBIL Score between 700 to 749 | | | 9.75% |
| c)CIBIL Score between 650 to 699 | | | 10.00% |
| d)CIBIL Score less than 649 | | | 10.50% |
| B | Housing Loan Subject to 70 % of Purchase consideration as entered into Agreement of Sale. Or Construction of Residential unit on Freehold own Land. ( 70 % of Cost of construction excluding cost of Land) *Subject to Repayment capacity | Above Rs. 10 Lakhs & up to Rs. 140 Lakhs subject to individual Exposure Limit | 11.00% | |
| a)CIBIL Score More than 749 | | | 9.50% |
| b)CIBIL Score between 700 to 749 | | | 9.75% |
| c)CIBIL Score between 650 to 699 | | | 10.00% |
| d)CIBIL Score between 600 to 649 | | | 10.50% |
| e)CIBIL Score Less than 599 | | | 11.00% |
| 3 | Mortgage Loan against immovable Property | | | |
| A | Mortgage Loan (against immovable property subject to 50% of the net realizable Value, Valuation of Immovable property should be from approved Valuer who is on panel of the Bank). *Subject to Repayment capacity | Up to Rs.25 Lakhs | 13.50% | |
| a)CIBIL Score More than 749 | | | 12.25% |
| b)CIBIL Score between 700 to 749 | | | 12.50% |
| c)CIBIL Score between 650 to 699 | | | 12.75% |
| d)CIBIL Score between 600 to 649 | | | 13.00% |
| e)CIBIL Score Less than 599 | | | 13.50% |
| B | Mortgage Loan (against immovable property subject to 50% of the net realizable Value Valuation of Immovable property should be from approved Valuer who is on panel of the Bank). *Subject to Repayment capacity | Above Rs.25 Lakhs and subject to individual Exposure Limit | 13.00% | |
| a)CIBIL Score More than 749 | | | 12.00% |
| b)CIBIL Score between 700 to 749 | | | 12.25% |
| c)CIBIL Score between 650 to 699 | | | 12.50% |
| d)CIBIL Score between 600 to 649 | | | 12.75% |
| e)CIBIL Score Less than 599 | | | 13.00% |
| 4 | Vehicles - | | | |
| A | Personal Two Wheeler subject to 80% of the Tax Invoice. | Up to Rs.1 Lakhs | 11.00% | 11.00% |
| B | Personal Four Wheeler subject to 80% of the Tax Invoice. | Up to Rs.15 Lakhs | 13.50% | |
| a)CIBIL Score More than 749 | | | 12.50% |
| b)CIBIL Score between 700 to 749 | | | 12.75% |
| c)CIBIL Score between 650 to 699 | | | 13.00% |
| d)CIBIL Score between 600 to 649 | | | 13.25% |
| e)CIBIL Score Less than 599 | | | 13.50% |
| 5 | Commercial Vehicle - | | | |
| A | New Four Wheeler and above, subject to 80% of the Tax Invoice. | Up to Rs.25 Lakhs | 13.50% | |
| a)CIBIL Score More than 749 | | | 12.50% |
| b)CIBIL Score between 700 to 749 | | | 12.75% |
| c)CIBIL Score between 650 to 699 | | | 13.00% |
| d)CIBIL Score between 600 to 649 | | | 13.25% |
| e)CIBIL Score Less than 599 | | | 13.50% |
| B | New Four Wheeler and above, subject to 80% of the Tax Invoice. | Above Rs.25 Lakhs and subject to individual Exposure Limit | 13.00% | |
| a)CIBIL Score More than 749 | | | 12.00% |
| b)CIBIL Score between 700 to 749 | | | 12.25% |
| c)CIBIL Score between 650 to 699 | | | 12.50% |
| d)CIBIL Score between 600 to 649 | | | 12.75% |
| e)CIBIL Score Less than 599 | | | 13.00% |
| 6 | Business Loan - | | | |
| A | Business Loan with security. (75 % of net Realizable value of the security offered, Valuation of security offered should be from approved Valuer who is on the panel of the Bank.) | Up to Rs.25 Lakhs | 13.50% | |
| a) CIBIL Score More than 749 | | | 12.50% |
| b)CIBIL Score between 700 to 749 | | | 12.75% |
| c)CIBIL Score between 650 to 699 | | | 13.00% |
| d)CIBIL Score between 600 to 649 | | | 13.25% |
| e)CIBIL Score Less than 599 | | | 13.50% |
| B | Business Loan with security. (75 % of net Realizable value of the security offered, Valuation of security offered should be from approved Valuer who is on the panel of the Bank.) | Above Rs.25 Lakhs and subject to individual Exposure Limit | 13.00% | |
| a)CIBIL Score More than 749 | | | 12.00% |
| b)CIBIL Score between 700 to 749 | | | 12.25% |
| c)CIBIL Score between 650 to 699 | | | 12.50% |
| d)CIBIL Score between 600 to 649 | | | 12.75% |
| e)CIBIL Score Less than 599 | | | 13.00% |
| 7 | Machinery Loan - | | | |
| A | Machinery Loan other than Vehicle Subject to 50% of net Realizable Value / Written down Value whichever is least ,( Valuation of the Machinery should be from approved Valuer on the panel of the Bank) | Up to Rs.25 Lakhs | 13.50% | |
| a)CIBIL Score More than 749 | | | 12.50% |
| b)CIBIL Score between 700 to 749 | | | 12.75% |
| c)CIBIL Score between 650 to 699 | | | 13.00% |
| d)CIBIL Score between 600 to 649 | | | 13.25% |
| e)CIBIL Score Less than 599 | | | 13.50% |
| B | Machinery Loan other than Vehicle Subject to 50% of net Realizable Value / Written down Value whichever is least ,( Valuation of the Machinery should be from approved Valuer on the panel of the Bank) | Above Rs.25 Lakhs and subject to individual Exposure Limit | 13.00% | |
| a)CIBIL Score More than 749 | | | 12.00% |
| b)CIBIL Score between 700 to 749 | | | 12.25% |
| c)CIBIL Score between 650 to 699 | | | 12.50% |
| d)CIBIL Score between 600 to 649 | | | 12.75% |
| e) CIBIL Score Less than 599 | | | 13.00% |
| 8 | Overdraft / Cash credit against FD - Drawing power up to 85% of the Face Value of the FD. | | 1% above FD Int.Rate | 1% above FD Int.Rate |
| A | Overdraft / Cash credit against Working Capital / Turnover - Drawing power up to 50% of the Net Working Capital / 20% of the Turnover whichever is Lower. | Up to Rs.25 Lakhs | 13.50% | |
| a)CIBIL Score More than 749 | | | 12.50% |
| b)CIBIL Score between 700 to 749 | | | 12.75% |
| c)CIBIL Score between 650 to 699 | | | 13.00% |
| d)CIBIL Score between 600 to 649 | | | 13.25% |
| e)CIBIL Score Less than 599 | | | 13.50% |
| B | Overdraft / Cash credit against Working Capital / Turnover Drawing power up to 50 % of the Net Working Capital / 20% of the Turnover whichever is Lower | Above Rs.25 Lakhs and subject to individual Exposure Limit | 13.00% | |
| a)CIBIL Score More than 749 | | | 12.00% |
| b)CIBIL Score between 700 to 749 | | | 12.25% |
| c)CIBIL Score between 650 to 699 | | | 12.50% |
| d)CIBIL Score between 600 to 649 | | | 12.75% |
| e)CIBIL Score Less than 599 | | | 13.00% |
| C | Overdraft / Cash credit against Gold ornaments - Drawing power Subject to 75% of the Value Certified by the approved Valuer on banks panel. Rate of Value should be considered on basis of average rate for last 30days as declared by the commodity market authority. (Goldsmith and Traders are not allowed to apply for the Loan). | Up to Rs. 5 Lakhs | 8.50% | 8.50% |
| 9 | Gold Loan - period up to 12 Months. Subject to 75% of the Value Certified by the approved Valuer on banks panel. Rate of Value should be considered on basis of average rate for last 30days as declared by the commodity market authority. (Goldsmith and Traders are not allowed to apply for the Loan). | Up to 1 Lakhs | 8.50% | 8.50% |
