with effect from 01-09-2018
| Particulars | Rate |
Processing Fees (Max Rs. 1,00,000) |
| [1] VEHICLE | ||
| Loan agnst New Car Below Rs. 10 Lacs - Repayment above 2 Years | 8.75% | 0.20% |
| Loan agnst New Car Rs. 10 Lacs and Above Repayment above 2 Years | 8.50% | 0.20% |
| Loan agnst New Car - Repayment upto 2 Years | 8.25% | 0.20% |
| Loan agnst Used Car | 12.50% | 0.20% |
| Loan agst. Commercial Vehicle | 11.00% | 0.20% |
| Loan agnst. Two Wheeler Below Rs.5.00 Lacs | 13.50% | 0.20% |
| Loan agnst. Two Wheeler from Rs.5.00 Lacs & below Rs.10.00 Lacs | 10.00% | 0.20% |
| Loan agnst. Two Wheeler Rs.10.00 Lacs & above | 9.50% | 0.20% |
| Loan agnst. Auto Rickshaw | 11.00% | 0.20% |
| [2] GOVT. SECURITY | ||
| Against N S C / K V P / Relief Bond (Govt.Securities) | 10.00% | 0.00% |
| Against LIC Policy | 11.00% | 0.00% |
| [3] DEMAT SHARE | ||
| Against Demat Shares (Maximum Rs.10 Lacs) | 12.00% | 0.00% |
| [4] TRADE AND INDUSTRIES [ On the Basis of rating and applicable to ] | ||
| C.C.Hypothecation agst. Stock / Book-Debts | ||
| D.A. Bills Discounting, Docu. Biils Purchased | ||
| Loan/ OD agnst.Equitable Mort. of Office/ Shops/Factory, Land & Building - Non CRE | ||
| Loan agst. Plant & Machineries /Furniture & Fixtures /Office Equipments etc. | ||
| For Total Limit / Loans below Rs.1 crore [ No Rating ] | 11.00% | 0.20% |
| For Total Limit/Loans from Rs.1 Crore & below Rs.3 crore | ||
| Having Credit Rating A Customer | 10.50% | 0.20% |
| Having Credit Rating B Customer | 10.75% | 0.20% |
| Having Credit Rating C Customer / No Rating* | 11.00% | 0.20% |
| For Total Limit/Loans from Rs.3 Crore & above | ||
| Having Credit Rating A Customer | 10.25% | 0.20% |
| Having Credit Rating B Customer | 10.50% | 0.20% |
| Having Credit Rating C Customer / No Rating* | 10.75% | 0.20% |
| [5] EQ.MORT.LOAN / OD AGST.EXISTING PROPERTY, RENT DISCOUNTING, EQ.MORT. OF PROPERTY [CRE] w.e.f. .01/02/2019 | ||
| For limt (OD) upto Rs. 1 Crore to Single party falls in category 5 | 11.50% | 0.20% |
| For total loans below Rs.5 crore to single party falls in category [5] | 11.50% | 0.20% |
| For total Loans Rs.5 crore & above Single Party falls in this category [5] | 10.75% | 0.20% |
| [6] DA BILLS DISCOUNTING (Under L / C) w.e.f.01/07/2018 | ||
| D.A. Bills Discounting (Under L / C) | 8.75 % | 0.00% |
| [7] HOUSING [Maximum Rs.70/- Lac] - Repayment above 5 Years | 8.50% | 0.20% |
| HOUSING [Maximum Rs.70/- Lac] - Repayment upto 5 Years | 8.25% | 0.20% |
| [8] Loan against Solar Roof Top Power System | 9.00% | 0.20% |
| [9] EDUCATIONAL | ||
| Secured Educational Loan -(Maximum Rs.20/- Lac within India and Rs.40/- Lac outside India) | 11.00% | 0.20% |
| Clean Educational Loan [Maximum Rs.4 lacs] | 12.00% | 0.20% |
| Secured Educational Loan against our bank FDR Maximum Rs. 20 Lacs in India and Rs. 40 Lacs outside India | 9.00% | 0.20% |
| [10] CLEAN LOAN | ||
| Clean Loan / Personal Consumer Loans / Clean Cash Credit | 15.00% | 0.20% |
| Clean Loan / Purchase/Construction/Extension of Residential Property | 10.50% | 0.20% |
| [11] DOCTORs / MEDICAL INSTITUTE / Hospital w.e.f. 01/02/2019 | ||
| Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Below Rs.1 Crore | 9.75% | 0.20% |
| Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.1 Crore & Above and below Rs. 3 Crore | 9.50% | 0.20% |
| Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.3 Crore and Above | 9.25% | 0.20% |
| [12] MICRO CREDIT (WEAKER SECTIONS) Not exceeding Rs 50000 | ||
| Secured loan to Artisans, Self Employed Person, Village/Cottage Inds. | 11.00% | 0.20% |
| [13] LOAN /OD AGST. BANK FDR - OWN FDR/ THIRD PARTY FDR over rate | 1.00% | 0.00% |
Revised Int. rate wil be applicable to All Existing CC / OD A/cs. as well as Fresh Loans.
Note: Processing fee for new customer as under: w.e.f. 01/05/2018
Minimum Rs. 500/- for advances upto Rs. 2/- Lac + GST
0.20% on advance above Rs. 10/- Lac - Maximum Rs.100,000/- + GST
