Loan Interest Rates
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Loan Type Margin Rates
Vehicle Loan
Individuals :Two Wheelar,
Four Wheelar
Commercial Vehicle
Note :- Under Taking / Mortgage -condition


20 %
20%
30 %



13 %
9%
13 %

Housing Loan
Up to Rs.25 Lacs
Above Rs.25 Lacs Up to Rs.50 Lacs


25 to 30%
25 to 30%


8.50%
10%

Commercial Property
Purchase shop /office/ shed/ Godown


30%


11%
Mortgage Loan (Specific Business Purpose)
Against Security shop /office/ shed


50%


12%
Mortgage Loan
Up to Rs.5 Lacs


50%


13%
Double Mortgage Cash Credit
Rs.25 Lac and Above


50%


10.50 %
Business & Industries
Hypothecation Cash Credit
Up to Rs.100 lacs(Against stock+Book Debts)
Above Rs.100 lacs(Against stock+Book Debts)
Hypothecation Loan
Up to Rs.100 lacs(Machinery Purchase)
Above Rs.100 lacs(Machinery Purchase)
Working Capital-Term Loan
Up to Rs.100 lacs
Above Rs.100 lacs


-
40 To 50%
40 To 50%
-
25%
25%
-
-
-


-
11.50%
10.50%
-
13%
12%
-
13%
12%
Secured Overdraft
Only For Professional Person


50%


13%
Education Loan
Higher Eduction in India & Abroad (Mortgage Compulsory)

25%

10%
Project term Loan
Builders & Developers


-


14%
Unsecured Loan
Social and other Purpose


-


15%
Advances Against Goverment Security
Against N.S.C, N.S.S, K.V.P,L.I.C Policy Etc


20%


10%
Overdraft Against Term Deposit
Fixed Deposit/Cash Certi.
Third party Fixed Deposit


10 to 15%
10 to 15%
1% Above F.D.Rate
2% Above F.D.Rate