| 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 |
