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REVISED INTEREST RATES w.e.f.17.08.2011(BPLR 15.00%) (BASE RATE 10.50%)

View PDF | Domestic Deposits-Interest Rate (In Hindi )

HOUSING LOANS(BPLR LINKED INTEREST RATES

Loan Slabs /Tenure

Upto 5 years

Above 5 to 15 years

Above 15 to 25 years

Home loan Floating

Loan upto Rs.30 lacs

3.50% below BPLR

3.25% below BPLR

3.00% below BPLR

Above Rs.30 lacs &

upto Rs.50 lacs

2.50% below BPLR

2.25% below BPLR

2.00% below BPLR

Above Rs.50 lacs.

2.50% below BPLR

2.25% below BPLR

2.00% below BPLR

Total Home LoanFloating

Loan upto Rs.30lacs

3.50% below BPLR

3.25% below BPLR

3.00% below BPLR

Above Rs.30 lacs &

upto Rs.50 lacs

2.50% below BPLR

2.25% below BPLR

2.00% below BPLR

Above Rs.50 lacs.

2.50% below BPLR

2.25% below BPLR

2.00% below BPLR

Maxgain Floating

Loan upto Rs.30 lacs

3.25% below BPLR

3.00% below BPLR

2.75% below BPLR

Above Rs.30 lacs &

upto Rs.50 lacs

2.25% below BPLR

2.00% below BPLR

1.75% below BPLR

Above Rs.50 lacs.

2.25% below BPLR

2.00% below BPLR

1.75% below BPLR

GRAH KAYA KALAP

Greh Kaya Kalap

3.50% below BPLR

3.25% below BPLR

3.00% below BPLR

Fixed interest rates

Upto ten years only for Home loan fix	12.75%* p.a.
Upto ten years only for Total Home loan fix	12.75%* p.a.

Upto ten years only) for CRE Home loan fix	13%* 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.

RATE OF INTEREST FOR HOME LOANS(LINKED WITH BASE RATE)
Name of the Scheme
HOME LOAN FLOATING	Loan up to and including Rs. 30 Lacs	> Rs. 30 lacs to Rs. 75 Lacs	>Rs. 75 Lacs
HOME LOAN FLOATING	0.75% above Base Rate	1.00% above Base Rate	1.50% above Base Rate
TOTAL HOME LOANS FLOATING	0.75% above Base Rate	1.00% above Base Rate	1.50% above Base Rate
MAXGAIN FLOATING	0.75% above Base Rate	1.00% above Base Rate	1.50% above Base Rate
CRE HOME LOAN	1.00% above Base Rate	1.25% above Base Rate	1.75% above Base Rate

GRAH KAYA KALAP

Greh Kaya Kalap

0.75% above Base Rate

INTEREST SUBSIDY SCHEME FOR HOUSING URBAN POOR (ISHUP)

House loan (EWS & LIG) Floating

Up to Rs. 1.60 Lac

0.75% above Base Rate

CAR LOANS (BPLR LINKED LOANS)

Product /Tenure

Upto 3 years

>3 years to 5 years

>5 years to 7 years

New Vehicles

1.25% below BPLR

1.00% below BPLR

0.75% below BPLR

Used Vehicles

2.00% above BPLR

2.25% above BPLR

Overdraft New

0.75% below BPLR

0.50% below BPLR

0.25% below BPLR

CAR LOANS (BASE RATE LINKED LOANS)

Product /Tenure

New Vehicles

2.00% above Base Rate

Overdraft New

2.50% above Base Rate

Used Vehicles

Up to 3 years

>3 years to 7 years

6.50% above Base Rate

6.75% above Base Rate

LOANS AGAINST OTHER SECURITIES

TL(PER) RBI RELIEF BONDS

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

DL(PER) AG UNITS OF UTI

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

D L NSC PER

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

D L IVP/ KVP PER

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

D L RBI RelBondsPER

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

OD NSC/KVP PER

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

OD IVP PER

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

OD M F/UTI Invest PER

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

OD Oth Govt Security PER

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

OD LIC/ULIP PER

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

Dl (PER) AGAINST LIC POL.

Upto 3 yrs

1.50% below BPLR

3% above Base Rate

Above 3 yrs & below 6 yrs

1.00% below BPLR

3.50% above Base Rate

Interest Rate on other schemes

OD Pledge Gold Ornaments:

DL Against Gold Ornaments

At BPLR

4.50% above Base Rate

SBP-Easy Loan i.e. Loan against

Mortgage of Immovable Property:

Term Loan

Minimum Rs. 5 lacs Max Rs. 1 Crore

Overdraft:

Minimum Rs. 5 lacs Max Rs. 1 Crore

0.50% above BPLR

5% above Base Rate

Loan to Pensioners

1.50% above BPLR

4.25% above Base Rate

Gyan Jyoti

Up to Rs. 4 lacs

Above Rs. 4

1.00% below BPLR

0.75%above BPLR

3.00% above Base Rate

4.50% above Base Rate

Consumer Durables

2.50% above BPLR

Two Wheeler loan

(Floating)

(Fix)

1.75% above BPLR

1.25% above BPLR (under tie up with RE)

0.25% above floating rate

6.25% above Base Rate

5.75% above Base Rate (under tie up with RE)

0.25% above floating rate

OD shares/deb./bonds PER

Up to 3 Yr

3 Yrs.& below 6 Yrs

1.50% above BPLR

2.00% above BPLR

6.00% above Base Rate

6.50% above Base Rate

DL PER against

shares/debentures/bonds

Up to 3 Yr

3 Yrs.& below 6 Yrs

1.50% above BPLR

2.00% above BPLR

6.00% above Base Rate

6.50% above Base Rate

DL PER against

MAG/MUTUAL FUND

Up to 3 Yr

3 Yrs.& below 6 Yrs

1.50% above BPLR

2.00% above BPLR

6.00% above Base Rate

6.50% above Base Rate

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

3.50% above BPLR

8.00% above Base Rate

Personal Loan Scheme

2.25% above BPLR

Where check off facility is not available.

1.75% above BPLR

Where check off facility is available.

6.75% above Base Rate

Where check off facility is not available.

6.25% above Base Rate

Where check off facility is available.

Vayvasai Suvidha

2.25% above BPLR

6.75% above Base Rate

Rent scheme

0.50% above BPLR

5.00% above Base Rate

Earnest Money Scheme

At BPLR

4.50% above Base Rate

OD Clean PER:

OD Clean NRI - PER

3.50% above BPLR

8.00% above Base Rate

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

0.25% below BPLR

4.25% above Base Rate

DL (PER) FCNRB-RUPEE-SELF

2.50% below BPLR

2% above Base Rate

SBP-EASY TRAVEL LOAN

3% above BPLR

7.50% above Base Rate

Career Loan

Upto Rs. 4 lacs

Above Rs.4 lacs

1% below BPLR

1% above BPLR

3.50% above Base Rate

5.50% above Base Rate