• Rate of Interest (Staff Loan)
  
  

  Particulars	Present (w.e.f 01.07.17)	Security	Period (Month)	Remarks
  Against (NSC, KVP, LIC)	7.00%	100% Liquid Security	60	90% of Liquid Security
  Housing Loan	5.80%	Only Mortgage Property &Down Payment – 10%	180	72 months Gross Salary
  Staff Over Draft	7.00%	NIL	Renewal	6 months Gross Salary
  Personal Loan	7.00%	20% Liquid Security (Case to Case)	84	18 months Gross Salary
  Against Bank Deposit	0.50%Extra	100% Liquid Security	60	95% of Liquid Security
  Education Loan	6.00%	NIL	60	Up to 3 lac – For higereducation (After 12 thClass.)
  Car Loan	6.00%	Hypothecation & Insurance in favour of Bank.Down Pay – 10% Min.	84	Up to 5 lac
  Bike Loan	6.00%	-DO-	60	Up to 75000/-
  Festival Advance	N.A	NIL	10	Rs 20000/-,10000/- And Rs 6000/-

Note:-

1. The maximum outstanding amount inclusive all type of loans mentioned above will not exceed Rs. 25 lac at any point of time.
2. The maximum outstanding amount at any point of time cannot exceed 50% of net salary multiplied by 180 months.
3. Maximum loan will lower of (i) or (ii).