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Personal Finance & Home, Car, Education etc.

REVISED INTEREST RATES w.e.f. 06.07.2009 (BPLR 12.25%)

HOUSING LOANS

Loan Slabs /Tenure

Upto 5 years

Above 5 to 15 years

Above 15 to 25 years

Home loan Floating

 

(Product code)

(6250-6701)

(Product code)

(6250-6801)

(Product code)

(6250-6901)

Loan upto Rs.30 lacs

8.75 %

(3.50% below BPLR)

9.00%

(3.25% below BPLR)

9.25%

(3.00% below BPLR)

Above Rs.30 lacs &

upto Rs.50 lacs

9.75%

(2.50% below BPLR)

10.00%

(2.25% below BPLR)

10.25%

(2.00% below BPLR)

Above Rs.50 lacs.

9.75%

(2.50% below BPLR)

10.00%

(2.25% below BPLR)

10.25%

(2.00% below BPLR)

Total Home Loan

Floating

(Product code)

(6250-7001)

(Product code)

(6250-7101)

(Product code)

(6250-7201)

Loan upto Rs.30lacs

8.75 %

(3.50% below BPLR)

9.00%

(3.25% below BPLR)

9.25%

(3.00% below BPLR)

Above Rs.30 lacs &

upto Rs.50 lacs

9.75%

(2.50% below BPLR)

10.00%

(2.25% below BPLR)

10.25%

(2.00% below BPLR)

Above Rs.50 lacs.

9.75%

(2.50% below BPLR)

10.00%

(2.25% below BPLR)

10.25%

(2.00% below BPLR)

Maxgain Floating

 

 (6050-2101)

Loan upto Rs.30 lacs

9.00 %

(3.25% below BPLR)

9.25 %

(3.00% below BPLR)

9.50 %

(2.75% below BPLR)

(6050-2101)

Above Rs.30 lacs &

upto Rs.50 lacs

10.00 %

(2.25% below BPLR)

10.25%

(2.00% below BPLR)

10.50%

(1.75% below BPLR)

(6050-2101)

Above Rs.50 lacs.

10.00 %

(2.25% below BPLR)

10.25%

(2.00% below BPLR)

10.50%

(1.75% below BPLR)

 

      GRAH KAYA KALAP

Greh Kaya Kalap

(6250-7301)

8.75 %

(3.50% below BPLR)

9.00%

(3.25% below BPLR)

9.25%

(3.00% below BPLR)

      Fixed interest rates

Upto ten years only (6250-2112) for Home loan fix

  12.25%* p.a.

Upto ten years only (6250-2802) for Total Home loan fix

  12.25%* p.a.

*Fixed rates loans will be subject to ‘force maejure’ clause and interest reset at the end of every two years on the basis of fixed interest rates prevailing then.

 
 

Special offer upto 30.04.2010
 

1st year

2nd & 3rd yr.

4th yr. onwards
SBP EASY HOME LOAN SCHEME
Upto Rs.50 lacs

 8% 

  8.5%

@ then applicable floating home loan rate linked with BPLR
SBP ADVANTAGE HOME LOAN
SCHEME More than Rs.50 lacs

 8% 

9%

-do-

 

 

CAR LOANS - REVISED INTEREST RATES w.e.f. 06.07.2009

Product /Tenure

Upto 3 years

>3 years to 5 years

>5 years to 7 years

New Vehicles

(6250-7501)

11.00%

(1.25% below BPLR)

11.25%

(1.00% below BPLR)

11.50%

(0.75% below BPLR)

Used Vehicles

(6250-7601)

14.25%

(2.00% above BPLR)

14.50%

(2.25% above BPLR)

14.50%

(2.25% above BPLR)

Overdraft  New vehicles(6050-2201)

11.50%

(0.75% below BPLR)

11.75%

(0.50% below BPLR)

12.00%

(0.25% below BPLR)

 

 

 

 

           Rates

         w.e.f. 19.01.2009

          (BPLR @ 12.75%)

           Revised Rates

         w.e.f. 06.07.2009

          (BPLR @ 12.25%)

TL(PER) RBI RELIEF BONDS

Product Code : 6250-7401

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75

(1.50%  below BPLR)

Above 3 yrs & below 6 yrs

 

11.75%

(1.00%  below BPLR)

11.25%

(1.00%  below BPLR)

DL(PER) AG UNITS OF UTI

Product Code : 6350-3801

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

Above 3 yrs & below 6 yrs

 

11.75%

(1.00%  below BPLR)

11.25%

(1.00%  below BPLR)

D L NSC PER

Product Code : 6350-7201

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

 

Above 3 yrs & below 6 yrs

 

 

11.75%

(1.00%  below BPLR)

 

11.25%

(1.00%  below BPLR)

 

D L IVP/ KVP PER

Product Code : 6350-7301

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

 

Above 3 yrs & below 6 yrs

 

 

11.75%

(1.00%  below BPLR)

 

11.25%

(1.00%  below BPLR)

D L RBI RelBondsPER

Product Code : 6350-7401

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

 

Above 3 yrs & below 6 yrs

 

 

11.75%

(1.00%  below BPLR)

 

11.25%

(1.00%  below BPLR)

 

OD NSC/KVP PER

Product Code : 6050-7201

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

 

Above 3 yrs & below 6 yrs

 

 

11.75%

(1.00%  below BPLR)

 

11.25%

(1.00%  below BPLR)

 

OD IVP PER

Product Code : 6050-7301

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

 

Above 3 yrs & below 6 yrs

 

 

11.75%

(1.00%  below BPLR)

 

11.25%

(1.00%  below BPLR)

OD M F/UTI Invest PER

Product Code : 6050-7601

Upto 3 yrs

11.25%

(1.50%  below BPLR)

10.75%

(1.50%  below BPLR)

Above 3 yrs & below 6 yrs

 

 

11.75%

(1.00%  below BPLR)

11.25%

(1.00%  below BPLR)

 

OD Oth Govt Security PER

Product Code : 6050-7401

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

 

Above 3 yrs & below 6 yrs

 

 

11.75%

(1.00%  below BPLR)

 

11.25%

(1.00%  below BPLR)

 

OD LIC/ULIP PER

Product Code : 6050-7501

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

 

Above 3 yrs & below 6 yrs

 

11.75%

(1.00%  below BPLR)

11.25%

(1.00%  below BPLR)

Dl  (PER) AGAINST LIC POL.

Product Code : 6350-3601

Upto 3 yrs

 

11.25%

(1.50%  below BPLR)

 

10.75%

(1.50%  below BPLR)

Above 3 yrs & below 6 yrs

 

11.75%

(1.00%  below BPLR)

11.25%

(1.00%  below BPLR)

LOANS AGAINST OTHER SECURITIES

 

Interest Rate on other schemes

OD Pledge Gold Ornaments:

Product Code : 6050-6001

DL Against Gold Ornaments

Product Code : 6350-6001

12.75%

(At BPLR)

 

 

12.25%

(At BPLR)

 

 

Loan against Mortgage of

Immovable Property:

Product Code : 6250-6501

Term Loan

Upto Rs. 50 lacs -

>Rs.50 lac & upto Rs.1 Crore

>Rs.1 crore & upto Rs.2 Crore

 

Overdraft:

Product Code : 6050-7701

Upto Rs. 50 lacs -

>Rs.50 lac & upto Rs.1 Crore

>Rs.1 crore & upto Rs.2 Crore

 

 

 

 

 

13.75% (1.00% above BPLR)

13.50% (0.75% above BPLR)

13.25% (0.50% above BPLR)

 

 

 

14.25% (1.50% above BPLR)

14.00% (1.25% above BPLR)

13.75% (1.00% above BPLR)

 

 

 

 

 

13.25% (1.00% above BPLR)

13.00% (0.75% above BPLR)

12.75% (0.50% above BPLR)

 

 

 

13.75% (1.50% above BPLR)

13.50% (1.25% above BPLR)

13.25% (1.00% above BPLR)

 

 

Loan to Pensioners

Product Code : 6350-7901

 

 

 

14.25%

(1.50% above BPLR)

 

 

13.75%

(1.50% above BPLR)

 

Gyan Jyoti

Product Code : 6250-4001

Up to Rs. 4 lacs   -   11.75% 

(1.00 bps below BPLR)

Above Rs. 4 lacs  -  13.50%

(0.75%above BPLR)

 

Up to Rs. 4 lacs   -   11.25% 

(1.00 bps below BPLR)

Above Rs. 4 lacs  -  13.00%

(0.75%above BPLR)

 

Consumer Durables

Product Code : 6250-1601

 

15.25% (2.50% above BPLR)

 

14.75% (2.50% above BPLR)

 

Two Wheeler loan

Product Code : 6250-6301 (Floating)

 

Product Code : 6250-6401 (Fix)

 

FL-14.50%

(1.75% above BPLR)

 

14.00% under tie up with RE

(1.25 above BPLR)

 

FX-25 bps above floating  rate

 

FL-14.00%

(1.75% above BPLR)

 

13.50% under tie up with RE

(1.25 above BPLR)

 

FX-25 bps above floating  rate

OD  shares/deb./bonds PER

Product Code : 6050-7101

Up to 3 Yr

 

3 Yrs.& below 6 Yrs

 

 

 

14.25 %

(1.50% above BPLR)

14.75%

(2.00% above BPLR)

 

 

 

13.75 %

(1.50% above BPLR)

14.25%

(2.00% above BPLR)

 

DL PER against 

 shares/debentures/bonds

Product Code : 6350-3501

Up to 3 Yr

 

3 Yrs.& below 6 Yrs

 

 

 

 

14.25 %

(1.50% above BPLR)

14.75%

(2.00% above BPLR)

 

 

 

 

13.75 %

(1.50% above BPLR)

14.25%

(2.00% above BPLR)

 

DL PER against 

 MAG/MUTUAL FUND

Product Code : 6350-3901

Up to 3 Yr

 

3 Yrs.& below 6 Yrs

 

 

 

14.25 %

(1.50% above BPLR)

14.75%

(2.00% above BPLR)

 

 

 

13.75 %

(1.50% above BPLR)

14.25%

(2.00% above BPLR)

 

Loan to employees to purchase shares of their companies under employees quota.

Product Code : 6350-7701

 

16.25%

(3.50% above BPLR)

 

15.75%

(3.50% above BPLR)

 

Personal Loan Scheme

Product Code : 6250-1001

 

 

 

Personal Loan Scheme

Product Code : 6252-1001

 

15.00%

(2.25% above BPLR)

Where check off facility is not available.

 

14.50%

(1.75% above BPLR)

 Where check off facility is available.

 

14.50%

(2.25% above BPLR)

Where check off facility is not available.

 

14.00%

(1.75% above BPLR)

 Where check off facility is available.

 

Vayvasai Suvidha

Product Code : 6354-1701

 

15.00% 

(2.25% above BPLR)

 

14.50% 

(2.25% above BPLR)

 

 

Rent scheme

6250-1501

 

 

13.25%

(0.50% above BPLR)

 

12.75%

(0.50% above BPLR)

 

Earnest Money Scheme

Product Code : 6350-1901

 

 

12.75%  i.e. BPLR

 

 

12.25%  i.e. BPLR

 

 

OD Clean PER:

Product Code : 6050-5201

 

OD Clean NRI - PER

Product Code : 6050-5101

 

 

16.25%

(3.50% above BPLR)

 

 

15.75%

(3.50% above BPLR)

 

DL/OD (PER) FCNRB 3RD PARTY-RUPEE

Product Code : 6350-8101

 

 

12.50% 

(0.25% below BPLR)

 

 

12.00% 

(0.25% below BPLR)

 

 

DL (PER) FCNRB-RUPEE-SELF

Product Code : 6350-8001

 

 

10.25% 

(2.50% below BPLR)

 

 

9.75% 

(2.50% below BPLR)

 

 

SBP-EASY TRAVEL LOAN

6250-5901

 

 

15.75% (3% above BPLR)

 

15.25% (3% above BPLR)

Career Loan 6250-9101

Upto Rs. 4 lacs   :  11.75%    (1% below   BPLR )

Above Rs.4 lacs  :  13.75%    (1% above   BPLR)

Upto Rs. 4 lacs   :  11.25%    (1% below   BPLR )

Above Rs.4 lacs  :  13.25%    (1% above   BPLR)

 
   

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