ब्याज दर - कर्जा

असार ०१, २०७७ (जून १५, २०२०) बाट ब्याज दर प्रभावकारी

CREDIT FACILITIES INTEREST RATES PA
WC—OD/ STL/ DL/ TR BR+1.25% to BR+5.00%
Term Loan (below 3 years) BR+1.25% to BR+5.00%
Term Loan (3 years & above) BR+1.75% to BR+5.00%
Margin Lending BR+2.75% to BR+5.00%
Hire Purchase BR+2.50% to BR+5.00%
Vehicle Loan BR+2.50% to BR+5.00%
Housing Loan (upto 1 cr.) BR+2.00% to BR+5.00%
Housing Loan (above 1 cr.) BR+2.50% to BR+5.00%
Education Loan BR+2.75% to BR+4.00%
Flexi Loan—Overdraft (below Rs. 50 lacs) BR+3.25% to BR+5.00%
Flexi Loan—Overdraft (Rs. 50 lacs and above) BR+3.75% to BR+5.00%
Flexi Loan—TL BR+4.00% to BR+5.00%
USD denominated FCY loan Linked with LIBOR as per tenure of facility subject to premium/ discount applicable
FCY Loan against Sight LC 6 months LIBOR+1.25%
Loan against liquid assets (FDR, Govt. Bond/National Saving Bond) 2% above coupon rate
Deprived Sector (MFI & NBFC) BR+2.25% to BR+4.00%
Deprived Sector (Others) BR+2.75% to BR+4.00%
Loan against consumable goods BR+2.75% to BR+4.00%
Professional Loan BR+2.75% to BR+4.00%
Future Lease Loan BR+2.75% to BR+4.00%
Retail Space Loan BR+2.75% to BR+4.00%
Agro Loan BR+2.00% to BR+4.00%
Loan against Pension BR+2.25% to BR+4.00%
Retail Loans under Tie Up Arrangement As per Tie Up Arrangement subject to minimum Base Rate
Advance against Life Insurance Policy BR+2.75% to BR+4.00%
Finance against Salary to Confirmed Permanent Staff BR+3.00% to BR+4.00%
Finance against Salary to Confirmed Permanent Staff under Tie Up Arrangement As per Tie Up Arrangement subject to minimum Base Rate

*subject to Internal Risk Rating
ROI under Consortium Lending shall be as per Consortium Agreement

In case of ad-hoc OD, 1% premium over and above is to levied; however, in no case same shall be above the published upper band.

Option for Fixed Interest Rates for all Term Loan products is as under:
Additional Interest Rate Risk premium of 0.75% and 1.50% for span of 3 and 5 years respectively over its existing floating rates. Interest rates will be reset after 3/5 years for Term Loans of longer duration.