ROI on Loans & Advances


Interest Rates on Loan & Advances wef 01st May 2015

Schemes

Cash Credit Limit :
Below Rs. 500000.00 13.00
5.00 Lacs & above 12.50%

Processing Charges 0.25% of loan amt. Inspection Charges Rs.250/- per Quarter per a/c

OVER DRAFT LIMIT

Ware House Receipts Processing 0.25% of loan amt. 11.50%
On Private Ware House Receipts 12.00%
N.S.C. / K.V.P. / LIC Policy 12.00%

Vehicle Loans :

Two Wheeler (Processing Charges @1% of loan amt. Minimum RS 500/-) 17.00
Four Wheeler ( personal ) (Processing chg. @1% of loan amt.) 11.00
Commercial Vehicle (Process chg. 1.25% of loan amt.) 18.00

Gold Loan (Against gold Jewellery & Ornaments) 12.25
(Processing chg. 0.50% & valuation charges 0.25% of loan amt.)

PERSONAL CONSUMER LOAN 16.50
(Processing Charges @1% of loan amt. Minimum RS 500/-)

Loan Against Property/ Commercial costruction/House loan above Rs.25 lacs up to Rs. 50 lacs 14.00
Loan Against Property/ Commercial costruction/House loan above Rs.50 lacs 12.00

Smriti Small Loan 16.50

Micro Finance
Loan on Daily Deposit Scheme 19.00
Against Fixed Deposit Receipts 12.00

Overdraft/Loan up to Rs.20 Lacs.
Rate of Intt paid by Bank 1% above
Overdraft/Loan above Rs.20 Lacs.Rate of Intt paid by Bank 0.50% above

Housing Loan : Up to Rs.25.00 lacs

Up to 5 Years 10.50
Above 5 Year and Up to 10 Years 10.75
Above 10 Year and Up to 15 Years (Spl Cust) 11.00
Processing Charges 1% of loan amt.