Interest Rates - Loans and Advances

Interest Rate Effective From 1st Ashadh 2077 (15th June 2020)

CREDIT FACILITIES INTEREST RATES PA
WC—OD/ STL/ DL/ TR (Rs. 5 cr. and above)* BR+1.25% to BR+5.00%
WC—OD/ STL/ DL/ TR (above Rs. 1 cr. but below Rs. 5 cr.)* BR+1.25% to BR+5.00%
WC—OD/ STL/ DL/ TR (upto 1 cr.) 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 (below Rs. 50 lacs) BR+4.00% to BR+5.00%
Flexi Loan—TL (Rs. 50 lacs and above) 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