Account Scheme |
Corporate Customers |
Prime Customers |
Other Customers |
Working Capital / Cash Credit |
BR+ Up to 5.00% |
Trust receipt |
BR+ up to 3.00% |
Short Term Demand Loan |
BR+up to 5.00% |
Term Loan / Project Finance |
BR+up to 4.50% |
Working Capital / Cash Credit -Multinational |
BR+up to 4.00% |
Pre shipment / Post shipment Loan |
BR+up to 5.00% |
For FCY Loan: One Year LIBOR Rate +
1.25% |
Consortium Lending |
As per Consortium decision |
Loan Against FDR |
FD Rate + Up to 2.00% |
Or applicable Base Rate whichever is higher |
Deprived Sector Lending(MFI,NBFC) |
BR+ Up to 4.50% |
Deprived Sector Lending(Individuals/ Retail) |
BR+ Up to 4.00% |
Personal Loan/Overdraft/Mortgage Loan |
BR+ Up to 5.00% |
SME Loan |
BR+ Up to 5.00% |
NSBL Saral Karja for MSME |
BR+ Up to 5.00% |
Education Loan |
BR+ up to 5.00% |
Home Loan |
BR+ up to 5.00% |
Auto Loan / Hire Purchase Loan |
BR+up to 5.00% |
Bhu. Puu Loan |
BR+ up to 4.00% |
Subsidized Loan under various schemes |
BR+ Up to 2.00% |
Migrant Workers |
BR+ Up to 1.50% |
Loan against Share / Margin lending |
BR+ Up to 5.00% |
Loan against Bonds (Govt. & Other) |
BR+ Up to 3.00% |
Or applicable Base Rate whichever is higher |
Land Loan / Real Estate Loan |
BR+ Up to 5.00% |
Gold Loan |
BR+ Up to 5.00% |
FCY Loans (For Payment of Sight LC) |
Six Month LIBOR Rate + Up to 5.00%
|
Interest Spread Rate (Ashwin 2077): 3.94% |
Base Rate (Ashwin 2077): 8.37% |