SCHEMATIC LOANS
Schematic Loans (Floating Rate)
Sl No: Category Interest rate
1 Home Loan Scheme (Income Program, Repairs & renovation and Reimbursement) 1 year MCLR + 0.00%
2 Home Loan Scheme new variant (Income Program, Repairs & renovation and Reimbursement) 6 Month MCLR + 0.10%
3 Loan to Business Correspondents 1 Year MCLR + 0.50%
4
SIB Vyapar Rating AAA & AA
1 year MCLR + 1.70%
5 SIB Vyapar Rating A 1 year MCLR + 2.20%
6 SIB Vyapar Rating BBB 1 year MCLR + 2.70%
7 SIB Vyapar Rating Below BBB & Unrated 1 year MCLR + 3.20%
8 SIB Car Loan (for new car) 1 Year MCLR to MCLR(1 Year) +1.25% Based on Bureau score
9 SIB Mobiloan Commercial /Agricultural 1 Year MCLR + 2.90% to
1 Year MCLR + 4.40%
10 SIB Loan Against Property 1 Year MCLR + 1.25% to
1 Year MCLR + 2.50%
11 SIB Rental 1 Year MCLR + 2.50%
12 Vitjnan Pradhan Scheme Up to Rs. 7.50 Lacs (For Boy Students) 1 year MCLR + 3.50%
13 Vitjnan Pradhan Scheme Up to Rs. 7.50 Lacs (For Girl Students) 1 year MCLR + 3.00%
14 Vitjnan Pradhan Scheme above Rs. 7.50 Lacs (For Boy Students) 1 year MCLR + 3.00%
15 Vitjnan Pradhan Scheme above Rs. 7.50 Lacs (For Girl Students) 1 year MCLR + 2.50%
16 Vidyanidhi 1 year MCLR + 5.20%
17 SIB Excellence 6 month MCLR to 1 Year MCLR
18 EDUSUM- Loans upto and including Rs. 4 Lakhs 1 year MCLR + 5.80%
19 EDUSUM- Loans above Rs. 4 Lakhs 1 year MCLR + 6.30%
20 SIB Global Education 1 Year MCLR + 2.00% to 1 Year MCLR + 2.50%
21 SIB Vidhya Nidhi 1 Year MCLR + 5.20%
22 Skill Loan Scheme 1 year MCLR + 3.00%
23 Overdraft Against Property (ODAP) 1 year MCLR + 2.00%
24 SIB Pharma Plus ( With rating SIB A/White 3 & above/Exempt) 1 year MCLR + 1.30%
25 SIB Pharma Plus ( With rating SIB BBB/Grey 1/Unrated) 1 year MCLR + 1.80%
26 SIB Pharma Plus ( With rating SIB BB/Grey 2 & below) 1 year MCLR + 2.80%
27 SIB Decor 1 year MCLR + 3.00%
28 SIB Mini Rental Scheme 1 year MCLR + 2.50%
29 SIB Swarnanidhi Loan 1 year MCLR + 2.70%
30 Gold Power (Individual) 1 year MCLR + 1.65%
31 Gold Power (Business/ Self Employed) 1 year MCLR + 1.65%
32 Gold Power-Re-pledge 1 year MCLR + 1.65%
33 SIB Travel Delight 1 Year MCLR + 2.00% to 1 Year MCLR + 4.50% (Based on availability of collateral)
34 SIB Loan For Purchasing Commercial Property 1 Year MCLR + 2.00%
35 SIB Business Loan (income program)

SIB Business Loan (non income program)
1 Year MCLR + 4.20% to 1 Year MCLR + 6.20%

1 Year MCLR + 6.20% to 1 Year MCLR + 8.20%
36 SME Composite Loan 1 Year MCLR + 2.00% to 1 Year MCLR + 4.50%
37 Trader's Overdraft 1 Year MCLR + 2.25% to 1 Year MCLR + 3.50%
38 SIB Tourism Plus 1 Year MCLR + 0.25% to 1 Year MCLR + 3.00% (based on borrower rating)
39 SIB Travel Agent Scheme 1 Year MCLR + 1.00% to 1 Year MCLR + 2.50% (Based on availability of collateral)
Schematic Loans (Fixed Rate)
Sl No: Category Interest rate
1
Gold Rush Scheme  
1 Year MCLR + 1.15%
2
Gold Max Scheme (For other purpose) (6 month)
6 Month MCLR + 1.45%
3
Gold Max Scheme (For agricultural purposes)
6 Month MCLR + 0.95%
4
Gold Loan General
1 Year MCLR + 1.15%
5
Gold Loan Agri
1 Year MCLR + 0.65%
6
Gold Loan Agri up to & incl 3 lakhs-Interest Subvention
1 Year MCLR - 2.00%
7
Gold Loan - Other Priority Sector
1 Year MCLR + 1.15%
8
Gold Max Plus (3 months)
3 Month MCLR + 1.55%
9
Gold Loan Monthly Interest Payment
1 Year MCLR + 1.15%
10
SIB Personal Loan Scheme
1 Year MCLR + 2.70% to 1 Year MCLR + 5.20% (Based on Bureau score)