[1] VEHICLE

Car Loan

CIC Score >=700

8.75%

CIC Score <700

9.25%

Car Loan (Fixed Rate)* (w.e.f 07.08.2023)

CIC Score >=700

8.25%

CIC Score Between 600 to 700

8.50%

Loan agst Used Car

12.50%

Loan agst. Commercial Vehicle

11.00%

Loan agst. Two Wheeler

10.00%

[2] GOVT. SECURITY

Against N S C / K V P / Relief Bond (Govt.Securities)

8.75%

Against L.I.C. Policy

8.75%

[3] DEMAT SHARE - Against Demat Shares (Maximum Rs.10 Lacs)

10.00%

[4]   TRADE AND INDUSTRIES - Business Finance

(a) [ Below Rs.50/- Lacs- NO Rating & Less than 100 % Security ]

10.50%

(b) [Limit Below Rs.1/- Crore - 100 % Security requird - Business Booster ]

9.00%

(c) Rated Accounts :-

1. For Total Limit/Loans from Rs.50 Lakhs & below Rs.3 crore

as per rating

Having Credit Rating A++ customer

9.25%

Having Credit Rating A+ customer

10.00%

Having Credit Rating A customer

10.25%

Having Credit Rating B customer

10.75%

Having Credit Rating C customer

11.25%

Having Credit Rating D customer

11.50%

Having Credit Rating E customer

12.00%

2. For Total Limit/Loans from Rs.3 Crore & above

Having Credit Rating A++ customer

8.75%

Having Credit Rating A+ customer

9.25%

Having Credit Rating A customer

9.50%

Having Credit Rating B customer

10.00%

Having Credit Rating C customer

10.75%

Having Credit Rating D customer

11.00%

Having Credit Rating E customer

11.75%

[5]   TRADE AND INDUSTRIES - ECLGS [w.e.f. 08/02/2023]

8.85%

[6] CLEAN WCDL COVID 19 (Fixed Rate)

10.65%

[7] Loan / Overdraft Agst. Eq.Mort. Of Existing Property, Rent Discounting, CRE - Other

than Business Purpose

12.25%

[8] D A BILLS DISCOUNTING (Under L/C) Upto 364 Days

8.00%

[9] HOUSING Loan [ Maximum Rs.140 /- Lac ] - Repayment Term - max. 20 years

CIC Score >=700

Upto  35 Lac 8.50 %

Above 35 lac 9.00 %

CIC Score <700

Upto  35 Lac 8.75 %

Above 35 lac 9.25 %

[10] EDUCATIONAL

Secured Educational Loan -(Maximum Rs.20 lacs within India & Rs.40 Lacs outside India)

9.00%

Clean Educational Loan [Maximum Rs.4 lacs]

10.50%

[11] CLEAN LOAN / PERSONAL CONSUMER LOAN / CLEAN CASH CREDIT

13.00%

[12] NUTAN EASY LOAN SCHEME

Scheme 1. Up to Rs.90,000/-

8.00%

Scheme 2. Above Rs.90,000/- and Maximum Up to Rs.3,00,000/-

9.90%

[13] DOCTORs / MEDICAL INSTITUTE / Hospitals

Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Below Rs.1/-

Crore

9.75%

Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.1/- Crore

& below Rs.3 Crore

9.25%

Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.3/- Crore

& Below Rs.5/- Crore

8.75%

Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.5/- Crore

& Below Rs.7.50 crore

8.50%

Secured Advances to Doctors / Medical Institutes / Hospitals Providing Medical Treatments Rs.7.50 Crore

& above

8.00%

[14] MICRO CREDIT (Weaker Section) Not exceeding Rs.50000/-

11.00%

[15] LOAN /OD AGST. SOLAR POWER SYSTEM

Loan against purchase of solar roof top power system domestic/commercial

9.50%

[16] TOP UP LOAN

Top Up Clean Loan

Existing Term Loan Rate + 0.50%

or 9.00% Whichever is Higher

Top Up Secured Loan

Existing Term Loan Rate + 0.25%

or 8.00% Whichever is Higher

[17] LOAN /OD AGST. BANK FDR - OWN FDR/ THIRD PARTY FDR

FDR Rate+1%

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

* For New customer rating shall be applicable on the basis of Audited Financials & subject to loan policy.