Sr.No. |
Category |
Rate of Interest |
|
% |
1 |
a) |
Loans against Personal Surety / Unsecured Loans
(Other than house repairs & Suvidya Loan) |
16.00 |
|
b) |
Couple Plus |
15.00 |
2 |
a) |
Consumer Loan |
16.00 |
|
b) |
Griha Anand Loan |
15.00 |
3 |
|
Loan against Gold ornaments / Bonds |
13.50 |
4 |
|
Loan / Overdraft against Govt. securities and Bonds. |
13.50 |
5 |
|
Housing loan |
|
|
a) |
Purchase / Construction |
a) |
Upto Loan (Sanctioned ) amount of Rs. 20.00 Lakh |
11.00 |
b) |
Above Loan (Sanctioned ) amount of Rs. 20.00 Lakh |
11.50 |
|
b) |
House Repairs (Other than Griha Shobha Loans) |
16.00 |
|
c) |
Griha Shobha Loan |
14.50 |
6 |
|
Vehicle Loan |
|
|
a) |
Autorickshaw / 3 wheeler Loan |
14.50 |
|
b) |
For Personal Use |
12.50 |
|
c) |
For Commercial Use (Other than Autorickshaw / 3 wheeler Loan) |
14.50 |
7 |
a) |
Vidya Vahini Loan |
Without Gestation Period |
12.00 |
(Floating) |
With Gestation Period |
12.50
OR
Applicable Rate of interest prevalent on due date of installment whichever is higher.
|
|
b) |
Suvidya Loan |
14.50 |
8 |
|
Loan / Overdraft against deposits |
|
|
a) |
Bharat Daily Deposit |
13.00 |
|
b) |
Against Self Deposit |
1.00 + A |
|
c) |
Against Deposit in the name of Third Parties |
1.50 + A |
9 |
|
Loan / OD against Shares / Debentures |
15.00 |
10 |
a) |
Doctors & Nursing Home / Hospitals |
14.00 |
|
b) |
Self Employed - Professionals |
14.00 |
11 |
|
Business Loans |
14.00 |
12 |
|
Mortgage loan |
14.50 |
13 |
|
Vyapar Overdraft |
14.00 |
14 |
|
Purchase and Discounting of Cheque / Bills / Unsecured Multani Hundies/ Demand
Draft (Other than sacntioned limit) |
18.00 |
15 |
|
Discounting of LC / Foreign Bills with ECGC Cover / Secured Hundies drawn on
reputed Ltd. Companies (LC issued by our Bank) |
13.50 |
16 |
|
Discounting of LC / foreign bills with ECGC Cover / Secured Hundies drawn on
reputed Ltd. Companies LC issued by our Bank)
|
14.00 |
17 |
|
Excess drawals in Cash Credit and Overdraft accounts / TOD / Clean Overdraft
Limits / Clearing House Balance / Return of Inward Clearing Cheques for want of
Funds / Drawals against cheques sent for collection |
18.00 |
|
|
A = above the Rate of Interest on Deposit |
|
| |
|
Bench Mark Prime Lending Rate (BPLR) at 13% with effect from 1st April 2009 |
|
