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Interest Rate


SCHEMATIC LOANS

 

 
BASE RATE (BR)
10.00%  (w.e.f   11.11.2015)
 
 
SCHEMATIC LOANS
 
Sl No: Category Interest rate
1 a) SIB Personal Loan Scheme. 15% (Fixed)
b) Doctors’ Credit BR + 3.30 %
2 SIB Vyapar (Limits of Rs.5 lakhs upto and incl. Rs.10 lakhs) BR + 1.70%
3 SIB Vyapar (Limits above Rs.10 lakhs upto and incl Rs.5 crores with AAA or AA rating) BR + 1.70%
4 SIB Vyapar (Limits above Rs.10 lakhs upto and incl Rs.5 crores with A rating) BR + 2.20%
5 SIB Vyapar (Limits above Rs.10 lakhs upto and incl Rs.5 crores with BBB rating) BR + 2.70%
6 SIB Vyapar (Limits above Rs.10 lakhs upto and incl Rs.5 crores with BB & below rating and "Treated as Unrated" status BR + 3.20%
 7 Mobi loan ( agriculture)                  BR + 0.30%
8 Mobi loan ( Other priority )  BR+0.55%
9 Mobi loan ( Other priority ) With 100% collateral  BR + 0.30%
10 Mobiloan (Non priority)  BR+0.80%
11 Mobiloan (Non priority) With 100% collateral  BR+0.30%
12 Flexi Loan Scheme BR. + 3.80 %
13 Gold Rush Scheme  12% (Fixed)
14 Gold Max Scheme (For other purpose) 12% (Fixed)
15 Gold Max Scheme (For Agricultural purposes) 10.5%(Fixed)
16 Gold Loan General 12%(Fixed)
17 Gold Loan Agri 10.5%(Fixed)
18 Gold Loan Agri up to & incl 3 lakhs-Interest Subvention 7%(Fixed)
19 Gold Loan - Other Priority Sector (other than Agriculture Gold loan) 12%(Fixed)
20 Gold Max Plus 12%(Fixed)
21 Gold Loan Monthly Interest Payment 12%(Fixed)
22 Gold Power -Indvidual BR + 2.50 % 
23 Gold Power -Business/Self employed BR + 2.50%
24 Gold Power -Re-pledge BR + 2.75%
25 RENTAL SCHEME BR + 4.80 % 
26 a) REVISED VITJNAN PRADHAN SCHEME  (Upto & including Rs.4 Lacs  For Boys) # BR + 5.80 %
b) Above Rs.4.00 Lacs BR + 6.30 %
27 a)REVISED VITJNAN PRADHAN SCHEME  - (Upto & including Rs.4 Lacs  For Girls)# BR + 5.30 %
b)Above Rs.4.00 Lacs BR + 5.80 %
28 EDUSUM  
a) Loan amount upto & BR + 5.80 %
including Rs.4 Lacs   
b) Loan amount exceeding BR + 6.30 %
Rs.4 Lacs   
29 VIDYANIDHI BR + 5.20 %
30 SIB Excellence upto Rs.10 Lakhs BR + 1.10 %
31 SIB Excellence above Rs.10 Lakhs BR + 2.10 %
32 FORTUNE BR + 4.80 %
33 PRAVASI SWAGATH SCHEME BR + 3.80 %
34 Agriflex (upto 3 LAKHS)  BR + 4.70 %
35 Agriflex (Above 3 LAKHS)  BR + 5.70 %
36 Overdraft against property (ODAP) BR + 2.00%
37 SIB Pharma Plus ( With rating SIB A & above) BR+1.30%
38 SIB Pharma Plus ( With rating SIB BBB/Unrated) BR+1.80%
39 SIB Pharma Plus ( With rating SIB BB & below) BR+2.80%  
40 SIB Decor BR+ 3.80%  
41 Skill Loan Scheme BR + 3.00%