| Particulars | Present (w.e.f 01.01.23) | Remarks |
| Housing Loan | 9.00% to 10.15% |
(for all customers) Down Payment – 10% or More & Insurance of Property LTV-90% , As per Credit Score *
|
| OD Against - (LIC, NSC & KVP) | 10.00% to 10.25% |
Only for new PSL customers & applicable for existing customers only after renewal *
|
| OD Against - (Property- Land &Building) | 11.50% |
Minimum Liquid Security 20%,Loan up to 60% of value as per valuer or Up to 75% in case of Premium property*
|
| OD Against - (Bank Deposit- Self And Other) | 1% Extra |
*
|
| T/L – (Loan Against Property)( Business Or Personal) | 11.50% |
Maximum Limit–60 Lac Maximum Period–15 Years Liquid Security–20% Maximum Loan Amount will be 60% of Valuation of property OR Up to 75% in case o premium Property. No loan will be given on land without boundary on all sides. LTV-75%*
|
| T/L – For Purchase of CommercialProperty | 11.50% |
- DO- *
|
| T/L - Two Wheelers | 13.00% |
Down Payment - 10% & above Security - 15% & above *
|
| T/L - Commercial - ThreeWheelers / Truck / Car / MiningEquipment / Generator/Machine, Toto, etc. | 11.50% to12.50% |
Down Payment or Security - 30% to 50% Maximum Loam Amount -Rs 40,00,000/-(Down Payment will be equal to Security ) LTV-90%*
|
| T/L - Car Loan(Personal) | 8.75% to 9.50% |
Down Payment or Security - 5% & above, Maximum Loan Amount -Rs. 30,00,000/-, LTV-95%-(Period - 84M Max.) *(As per Credit Score.)
|
| T/L - 100% Liquid Security | 10.50% |
Except Car Loan *
|
| Personal Loan – Govt. / PSUEmployees | 12.00% |
Maximum Loan will be 3 times of Annual Gross Salary.(Liquid Security – 20% optional)(Period – 90 Months Maximum)(Maximum EMI 50% of Monthly Gross Salary after all deductions.)(Maximum Loan tenure will be restricted to age of 70 years of loanee.) *
|
| Personal Loan – Other then Govt. / PSU Employees | 13.00% |
Maximum Loan will be 3 times of Annual Gross Salary.(Liquid Security – 20% optional)(Period – 90 Months Maximum)(Maximum EMI 50% of Monthly Gross Salary after all deductions.)(Maximum Loan tenure will be restricted to age of 65 years of loanee.) *
|
| Personal Loan – Professional / Businessman | 12.00% |
Maximum Loan will be average of 3 years Net Income. (Liquid Security – 20% )
|
| Education Loan | 8.75% - 9.50% |
Min Security 25% to 100% ( Max Loan 20 Lakh & 30 Lakh for abroad)
|
| LAD (NSC, KVP, LIC) | 10.50% to 10.75% |
*
|
| LAD (Bank Deposit – Self &
Others ) | 1% Extra |
*
|
| LAD (DDS) | 11.00% |
*
|
