| SL.NO. | LOAN PARTICULERS | New ROI | |
|---|---|---|---|
| 1 | Gold Loan:- MAXIMUM PERIOD 1 YEAR | ||
| 1. Loan up to Rs.2.00 Lakhs. | 10.00% | ||
| 2. Above 2 Lakh upto 15 Lakh | 10.50% | ||
| 2 | Joint Loan | 16.00% | |
| 3 | IMMOVABLE PROPERTY LOANS;- Maximum period 10 years | ||
| 1. HOUSE CONSTRUCTION / PURCHASE. | |||
| Loans up to Rs.5.00 lakh upto 10 lakh | 10.00% | ||
| Loans above Rs.10.00 lakh up to Rs.15.00 lakh | 10.50% | ||
| Loans above Rs.15.00 lakh up to Rs.30.00 lakh | 10.50% | ||
| Loans above 30 Lakhs upto Rs 70 Lakh | 11.00% | ||
| 4 | Purchase of Vacant Site with costruction there on with in 2 yrs | ||
| Loans up to Rs.5.00 lakh upto 10 lakh | 10.00% | ||
| Loans above Rs.10.00 lakh up to Rs.15.00 lakh | 10.50% | ||
| Loans above Rs.15.00 lakh up to Rs.30.00 lakh | 10.50% | ||
| Loans above 30 Lakhs upto Rs 70 Lakh | 11.00% | ||
| 5 | REPAIRS & RENOVATION up to Rs.5.00 Lakh | 10.00% | |
| Maximum period 5 years | |||
| 6 | Commercial Real Estate | 14.50% | |
| 7 | OTHER PURPOSES:- Maximum period 10 years | ||
| TAKE OVER FROM OTHER BANKS / NBFC /SOCIETIES | |||
| MARRIAGE / MEDICAL EXPENSES. | |||
| Loans up to Rs.10.00 lakh to 25 Lakh | 14.00% | ||
| Loans above Rs.25.00 lakh | 14.50% | ||
| 8 | Repayment of debts | ||
| Loan upto 10 Lakh | 14.00% | ||
| above 10 Lakh to 25 Lakh | 14.50% | ||
| SMALL INDUSTRIES & BUSINESS IMPROVEMENT:- | |||
| PURCHASE OF MACHINARY / WORKING CAPITAL | |||
| BUSINESS IMPROVEMENT:- | |||
| INDIVIDUAL LOANS UP TO 1 CRORE | 14.00% | ||
| GROUP OF COMPANY BORROWERS:- above 1 CroreUP TO 4 CRORE | 14.50% | ||
| 10 | MEDIUM ENTERPRISES OVER DRAFT LOANS:- | ||
| OVERDRAFT FACILITY FOR CURRENT ACCOUNT HOLDERS | |||
| upto 50 Lkah | 14.50% | ||
| above 50 Lakh upti 1 crore | 15.00% | ||
| GROUP OF COMPANY BORROWERS:- UP TO 4 CRORE | 15.00% |
| SL.NO. | HOUSING LOAN SCHEME | Revised Interest Rate | E M I PER LAKH RUPEES | E M I PER LAKH RUPEES |
|---|---|---|---|---|
| SECURITY ;- Immovable Property Mortgage | 10 years | 15 years | ||
| MAXIMUM LOAN;- Rs.30.00 Lakhs | ||||
| MAXIMUM PERIOD OF LOAN:-10 YEARS | ||||
| PURPOSE OF LOAN | ||||
| A. | Construction of dwelling House. | No Foreclosure charges | ||
| 1. The Moratorium or repayment holiday period will be granted. | ||||
| 2. 18 months from the date of 1st installment of the loan or till completion of construction, whichever is earlier. | ||||
| B. | Purchase of House / Flat. | No Foreclosure charges | ||
| C. | Purchase of Site/Construction of dwelling | No Foreclosure charges | ||
| House there on with in 2 Years | ||||
| 1. Loan Up to Rs.10.00 Lakh | 11.00% | 1378/- | 1137/- | |
| 2. Loan above 10.00 lakh up to 15.00 lakh | 11.50% | 1406/- | 1168/- | |
| 3. Loan above 15.00 lakh up to 30.00 lakh | 12.00% | 1435/- | 1200/- | |
| D. | Repairs, Alterations and Additions to house / Flat | 13.50% | 2301/- | N A |
| Maximum Loan : Rs.5.00 Lakh | ||||
| Maximum Period of Loan;- 5 years (60 EMI) | ||||
| E. | PURCHASE OF SITE / NO CONSTRUCTION (C R E ) | 14.00% | 1553/- | 1332/- |
