with effect from 01/01/2023
| Particulars | Rate |
| [1] VEHICLE | |
| Car Loan | |
| CIC Score >=700 | 8.00% |
| CIC Score <700 | 8.50% |
| Loan agst Used Car | 12.50% |
| Loan agst. Commercial Vehicle | 11.00% |
| Loan agst. Two Wheeler | 9.00% |
| [2] GOVT. SECURITY | |
| Against N S C / K V P / Relief Bond (Govt.Securities) | 8.50% |
| Against L.I.C. Policy | 8.50% |
| [3] DEMAT SHARE - Against Demat Shares (Maximum Rs.10 Lacs) | 8.50% |
| [4] TRADE AND INDUSTRIES - Business Finance | |
| (a) [ Upto Rs.50/- Lacs- NO Rating & Less than 100 % Security ] | 10.40% |
| (b) [ Limit Below Rs.1/- Crore - 100 % Security requird - Business Booster ] | 8.75% |
| (c ) Rated Accounts :- [Including WCDL] | |
| 1. For Total Limit/Loans from Rs.50 Lakhs & below Rs.3 crore | as per rating |
| Having Credit Rating A++ customer | 8.75% |
| Having Credit Rating A+ customer | 9.75% |
| Having Credit Rating A customer | 10.00% |
| Having Credit Rating B customer | 10.50% |
| Having Credit Rating C customer | 11.00% |
| Having Credit Rating D customer | 11.25% |
| Having Credit Rating E customer | 11.75% |
| 2. For Total Limit/Loans from Rs.3 Crore & above | |
| Having Credit Rating A++ customer | 8.25% |
| Having Credit Rating A+ customer | 9.00% |
| Having Credit Rating A customer | 9.25% |
| Having Credit Rating B customer | 9.75% |
| Having Credit Rating C customer | 10.50% |
| Having Credit Rating D customer | 10.75% |
| Having Credit Rating E customer | 11.50% |
| [5] TRADE AND INDUSTRIES - ECLGS [w.e.f. 07/12/2022] | 8.60% |
| [6] LOAN /O/D. AGST. EQ.MORT. OF EXISTING PROPERTY , RENT DISCOUNTING, | |
| LOAN/ O/D. AGST. EQ.MORT. OF PROPERTY [ CRE - Other than Business Purpose] | 11.75% |
| [7] D A BILLS DISCOUNTING (Under L/C) Upto 364 Days | 7.50% |
| [8] HOUSING Loan [ Maximum Rs.140 /- Lac ] - Repayment Term - max. 20 years | |
| CIC Score >=700 | Upto 35 Lac 8.00 % Above 35 lac 8.25 % |
| CIC Score <700 | Upto 35 Lac 8.25 % Above 35 lac 8.75 % |
| [9] EDUCATIONAL | |
| Secured Educational Loan -(Maximum Rs.20 lacs within India & Rs.40 Lacs outside India) | 9.00% |
| Clean Educational Loan [Maximum Rs.4 lacs] | 9.50% |
| [10] CLEAN LOAN / PERSONAL CONSUMER LOANS/CLEAN CASH CREDIT | 12.50% |
| [11] DOCTORs / MEDICAL INSTITUTE / Hospitals | |
| Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Below Rs.1/- Crore | 9.50% |
| Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.1/- Crore & below Rs.3 Crore | 9.00% |
| Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.3/- Crore & Below Rs.5/- Crore | 8.50% |
| Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.5/- Crore & Below Rs.7.50 crore | 8.25% |
| Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.7.50 Crore & above | 7.50% |
| [12] MICRO CREDIT (Weaker Section) Not exceeding Rs.50000/- | 11.00% |
| [13] LOAN /OD AGST. SOLAR POWER SYSTEM | |
| Loan against purchase of solar roof top power system domestic/commercial | 9.00% |
| [14] LOAN /OD AGST. BANK FDR - OWN FDR/ THIRD PARTY FDR over rate | 1.00% |
Revised Int. rate will be applicable to All Existing CC/OD/TL A/cs. as well as Fresh Loans.
Processing Fees : - Please refer Processing fees Circular dtd.01/06/2022
* For New customer rating shall be applicable on the basis of Audited Financials & subject to loan policy.
