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Interest Rate


SCHEMATIC LOANS

Schematic Loans (Floating Rate)

Sl No:
Category
Interest rate
1
Housing Loan-Salaried Class
1 year MCLR + 0.30%
2
Housing Loan-Business People
1 year MCLR + 0.30%
3
Housing Loan-Next Generation
1 year MCLR + 0.30%
4
Housing Loan NRI's
1 year MCLR + 0.30%
5
Housing Loan-Agriculturist
1 year MCLR + 0.30%
6
Housing Loan -Senior Citizen
1 year MCLR + 0.30%
7
Housing Loan-Reimbursement for all categories
1 year MCLR + 1.30%
8
Housing Loan-Priority sector
1 year MCLR + 0.00%
9
Loan to Business Correspondents
1 year MCLR + 0.30%
10
SIB Vyapar (Limits of Rs.5 lakhs upto and incl. Rs. 10 lakhs)
1 year MCLR + 1.70%
11
SIB Vyapar (Limits above Rs. 10 lakhs upto and incl Rs.5 crores with SIB AAA /White 1/ Exempt or SIB AA/White 2 rating)
1 year MCLR + 1.70%
12
SIB Vyapar (Limits above Rs. 10 lakhs upto and incl Rs. 5 crores with SIB A/White 3 rating)
1 year MCLR + 2.20%
13
SIB Vyapar (Limits above Rs. 10 lakhs upto and incl Rs. 5 crores with SIB BBB/ Grey 1 rating)
1 year MCLR + 2.70%
14
SIB Vyapar (Limits above Rs. 10 lakhs upto and incl Rs. 5 crores with SIB BB/Grey 2 & below rating and "Treated as Unrated" status assigned by IRMD)
1 year MCLR + 3.20%
15
Mobiloan With Collateral/ Mobi loan -Agri without collateral
1 year MCLR + 0.30%
16
Mobiloan without collateral -Other priority sector
1 year MCLR + 0.55%
17
Mobiloan without collateral-Non priority sector
1 year MCLR + 0.80%
18
Flexiloan Scheme
1 year MCLR + 3.80%
19
Rental Scheme
1 year MCLR + 4.80%
20
Modified Education Loan (Vitjnan Pradhan) Scheme Loans upto & incl. Rs 7.50 lakhs (For Boys)
1 year MCLR + 3.50%
21
Modified Education Loan (Vitjnan Pradhan) Scheme Loans upto & incl. Rs 7.50 lakhs (For Girls)
1 year MCLR + 3.00%
22
Modified Education Loan (Vitjnan Pradhan) Scheme Loans above Rs 7.50 lakhs (For Boys)
1 year MCLR + 3.00%
23
Modified Education Loan (Vitjnan Pradhan) Scheme Loans above Rs 7.50 lakhs (For Girls)
1 year MCLR + 2.50%
24
Vidyanidhi
1 year MCLR + 5.20%
25
SIB Excellence upto Rs.10 Lakhs
1 year MCLR + 1.10%
26
SIB Excellence above Rs.10 Lakhs
1 year MCLR + 2.10%
27
Fortune
1 year MCLR + 4.80%
28
Pravasi Swagath Scheme
1 year MCLR + 3.80%
29
Agriflex (upto 3 LAKHS)
1 year MCLR + 4.70%
30
Agriflex (Above 3 LAKHS)
1 year MCLR + 5.70%
31
Doctor's Credit (Term Loan)
1 year MCLR + 3.30%
32
Doctor's Credit (Overdraft)
1 year MCLR + 3.20%
33
EDUSUM - Loans upto and including Rs. 4 Lakhs
1 year MCLR + 5.80%
34
EDUSUM - Loans above Rs. 4 Lakhs
1 year MCLR + 6.30%
35
Skill Loan Scheme
1 year MCLR + 3.00%
36
Overdraft Against Property (ODAP)
1 year MCLR + 2.00%
37
SIB Pharma Plus ( With rating SIB A/White 3 & above/Exempt)
1 year MCLR + 1.30%
38
SIB Pharma Plus ( With rating SIB BBB/Grey 1/Unrated)
1 year MCLR + 1.80%
39
SIB Pharma Plus ( With rating SIB BB/Grey 2 & below)
1 year MCLR + 2.80%
40
SIB Decor
1 year MCLR + 3.80%
41
SIB Mini Rental Scheme
1 year MCLR + 2.50%
42
SIB Swarnanidhi Loan (General Public)
1 year MCLR + 2.70%
43
Gold Power-Indvidual
1 year MCLR + 2.50%
44
Gold Power-Business/Self employed
1 year MCLR + 2.50%
45
Gold Power-Re-pledge
1 year MCLR + 2.75%

 
Schematic Loans (Fixed Rate)

Sl No:
Category
Interest rate
1
Gold Rush Scheme  
12.00%
2
Gold Max Scheme (For other purpose)
12.00%
3
Gold Max Scheme (For agricultural purposes )
10.50%
4
Gold Loan General
12.00%
5
Gold Loan Agri
10.50%
6
Gold Loan Agri up to & incl 3 lakhs-Interest Subvention
7.00%
7
Gold Loan - Other Priority Sector (other than Agriculture Gold loan)
12.00%
8
Gold Max Plus
12.00%
9
Gold Loan Monthly Interest Payment
12.00%
10
SIB Personal Loan Scheme.
14.80%