|
Sr.No. |
|
Type of Loans |
Interest Rate |
|
1 |
|
Against Govt. Securities / NSC / KVP/ LIP/ Relief Bond |
8.25% |
|
2 |
|
Education Loan (up to Rs.20/-lacs) 100% or more collateral |
8.25% |
|
Education Loan (Above Rs.20/- Lakh up to Rs.40/-Lakh) 100% or more collateral |
8.00% |
||
|
Collateral less than 100% (Maximum unsecured portion should not exceed Rs. 5/- Lakh) |
9.25% |
||
|
3 |
|
Gold Loan (Maximum One Year) |
12.00% |
|
4 |
|
Auto Loan |
|
|
a) |
Car Loan (As per creiteria) |
7.10%* & 7.25% |
|
|
b) |
Two Wheelers / CNG Rikshaw / Other Commercial Vehicles |
11.00% |
|
|
c) |
Used Cars (Not more than 2 years old) |
13.00% |
|
|
5 |
|
Consumer Durables (Household Goods) |
12.00% |
|
6 |
|
Doctors Loan |
|
|
Below Rs.100/- lakhs (with 100% or more collateral Security) |
8.00% |
||
| Below Rs.100/- lakhs (without collateral Security or less than 100% collateral Security) | 8.25% | ||
|
Rs.100/- lakhs to Rs.500/- lakhs |
7.75% |
||
|
Rs.500/- lacs and above & Multispeciality Hospitals with doctors’ holding more than 51% |
7.75% |
||
|
7 |
|
Self employed / Service Enterprises / Professionals |
9.00% |
|
8 |
|
Housing Loan (up to Rs.70/- lakhs) (Floating Rate) Interest Rate for all kinds of borrowers (woman / Man) |
7.25% |
|
9 |
|
Housing Loan Premium (For new Sanction only) (Loans Rs. 40.00 Lakh and above as per criteria) |
6.75* to 7.00* |
|
10 |
|
Top-up Loan on Housing Loan |
8.90% |
|
11 |
|
Loan for Solar Roof Top- (Industrial & Household purpose) |
8.00% |
|
12 |
|
Demat Shares (up to Rs.10/-lacs) |
9.00% |
|
13 |
a) |
Secured Cash Credit / Overdraft against immovable property (For unrated accounts) |
|
|
i) |
If margin is ≥ 40% |
8.40% |
|
|
ii) |
If margin is ≥ 30% and < 40> |
8.65% |
|
|
iii) |
If margin is < 30> |
8.90% |
|
|
b) |
If utilization is > 60% up to 75% rebate 0.25% will be given on applicable rate of interest. |
Applicable ROI + 0.25% |
|
| If utilization is > 75%, rebate of 0.40% will be given on applicable rate of interest. | Applicable ROI + 0.40% | ||
|
14 |
|
Loans/Overdrafts to Builders/ Contractors against Real Estate |
11.75% |
| i) | If utilization is > 60% up to 75% rebate 0.25% will be given Effective rate of interest. | 11.50% | |
| ii) | If utilization is > 75% rebate 0.40% will be given Effective rate of interest. | 11.35% | |
|
15 |
a) |
Loan/OD/against own deposit |
Deposit Rate +1.00% |
|
b) |
Loan/OD/against third party deposit |
Deposit Rate +2.00% |
|
16 |
|
Trade & Industry for Working Capital : |
|
|
|
a) |
Working Capital Advances |
Coll.Sec Less than 100% |
Coll. Sec. 100% or more |
|
|
1) |
Working Capital Limit below Rs.100/- Lakhs |
8.75% |
8.25% |
|
| If utilization is > 60% upto 75% Rebate 0.25% will be given, Effective Rate of Interest. | 8.50% | 8.00% | ||
| If utilization is > 75%, Rebate of 0.40% will be given, Effective Rate of Interest | 8.35% | 7.85% | ||
| 2) | If Working Capital Limit is for Rs.100/- Lakhs and more (with Credit Rating) | |||
|
a) |
Card Rate (For unrated accounts having limits Rs.100/- Lakh and more) |
8.90% |
8.40% |
|
|
If utilization is > 60% up to 75?ter 0.25% rebate, Effective Rate of Interest. |
8.65% |
8.15% |
||
| If utilization is > 75?ter 0.40% rebate, Effective Rate of Interest | 8.50% | 8.00% | ||
|
b) |
For Credit Rating “A” (more than 70 marks) |
7.90% |
||
| If utilization is > 60% up to 75?ter 0.25% rebate, Effective Rate of Interest | 7.65% | |||
| If utilization is > 75?ter 0.40% rebate, Effective Rate of Interest | 7.50% | |||
|
c) |
For credit rating “B” (for marks above 50 and upto 70) |
8.40% |
||
| If utilization is > 60% up to 75?ter 0.25% rebate, Effective Rate of Interest | 8.15% | |||
| If utilization is > 75?ter 0.40% rebate, Effective Rate of Interest | 8.00% | |||
|
d) |
For credit rating “C” (for marks 50 or less) |
8.90% |
||
| If utilization is > 60% up to 75?ter 0.25% rebate, Effective Rate of Interest | 8.65% | |||
| If utilization is > 75?ter 0.40% rebate, Effective Rate of Interest | 8.50% | |||
| 17 | Bills Discounting under L.C. of prime bank | 8.00% | ||
|
18 |
|
Clean Cash Credit / Overdraft (up to Rs.5/-lakhs) |
12.00% |
|
|
19 |
|
Hypothecation of Plant & Machinery (Term Loan) |
||
|
i) |
More than 100% collateral (For new Sanction only) |
8.00% |
||
|
ii) |
More than 75% collateral |
8.50% |
||
|
iii) |
75% or less collaterals |
8.90% |
||
|
20 |
i) |
Mortgage Loan with ≥ 40% Margin |
8.40% |
|
|
ii) |
Mortgage Loan with ≥ 30% and < 40> |
8.65% |
||
|
iii) |
Mortgage Loan with < 30> |
8.90% |
||
|
21 |
|
Term Loan for purchase of Office / Factory-Land & Shed / Godown / Commercial Property – Secured by Coll.Sec. |
8.40% |
|
|
22 |
|
Term Loan (Other Fixtures) |
9.25% |
|
|
23 |
|
Temporary Loan / Overdraft / Cash Credit |
13.00% |
|
|
24 |
|
Excess over sanctioned limit |
13.00% |
|
|
25 |
|
AMCO Jan Kalyan Term Loan / Limit |
13.00% |
|
