|
Prime
Lending Rate
|
13.25%
w. e. f. 09.04.2007
|
|
INTEREST
RATES: PERSONAL SEGMENT ADVANCES
EFFECTIVE
07.03.2008
|
|
Schemes
|
Rate
of Interest % p.a.
|
|
Floating
|
Fixed
|
|
Housing
Loans
|
|
Up
to 5 years
Loans
up to Rs. 20
lacs
|
3.25% below BPLR i.e. 10.00% |
12.75% |
|
Loans
above Rs. 20 lacs
|
3.00%
below BPLR i.e. 10.25% |
13.50% |
|
5
to 15 years
Loans
up to Rs. 20
lacs
|
3.25% below BPLR i.e. 10.00% |
Up
to 10 years only
12.75%
|
|
Loans
above Rs. 20 lacs
|
3.00%
below BPLR i.e. 10.25% |
13.50% |
|
15
to 20 years
Loans
up to Rs. 20
lacs
Loans
above Rs. 20 lacs
|
3.00%
below BPLR i.e. 10.25%
2.75%
below BPLR i.e. 10.50%
|
Not
applicable
|
|
Education
Loans
|
|
Loans
up to Rs. 4 lacs
|
1.50%
below BPLR i.e. 11.75%
|
Not
applicable
|
|
Loans
above Rs.4 lacs
|
At
BPLR i.e. 13.25%
|
Not
applicable
|
|
|
|
Two
wheeler Loans
|
1.25%
above BPLR i.e. 14.50%
|
15.00%
|
|
Personal
Loans
|
2.00%
above BPLR i.e. 15.25%
|
Not
applicable
|
|
Loans
to Pensioners
|
At
BPLR i.e. 13.25%
|
Not
applicable
|
|
Loan
against Mortgage of Immovable Property
|
At
BPLR i.e. 13.25%
|
Not
applicable
|
|
Loan
against gold ornaments
|
|
Loans
up to Rs. 1 lac
Loans
above Rs. 1 lac
|
0.25%
above BPLR i.e. 13.50%
0.75%
above BPLR i.e. 14.00%
|
Not
applicable
Not
applicable
|
|
Loans
against RBI Relief Bonds
|
|
Loans
up to 3 years / Overdrafts
Loans
above 3 years
|
1.75%
below BPLR i.e. 11.50%
1.25%
below BPLR i.e. 12.00%
|
Not
applicable
Not
applicable
|
|
Advances
against NSC/ KVP/ Surrender Value of LIC policies
|
|
Loans
up to 3 years / Overdrafts
Loans
above 3 years
|
1.75%
below BPLR i.e. 11.50%
1.25%
below BPLR i.e. 12.00%
|
Not
applicable
Not
applicable
|
|
|
|
SBS
Rent Plus Scheme
|
At
BPLR i.e. 13.25%
|
Not
applicable
|
|
SBS
Medi Plus Scheme
|
At
BPLR i.e. 13.25%
|
Not
applicable
|
|
Loans
against Shares/ Debentures / Bonds
|
At
BPLR i.e. 13.25%
|
Not
applicable
|
|
Car
Loans
|
|
Premier
Segment Car loans i.e. Loans for Rs. 8 lacs and above
with repayment up to 3 years
|
1.75%
below BPLR i.e. 11.50%
|
Not
applicable
|
|
Non
Premier Segment Car Loans
|
|
Up
to 36 months
|
1.50%
below BPLR i.e. 11.75%
|
12.50%
(for loans up to Rs. 5 lacs only)
|
|
Above
36 months to 60 months(including premium segment car
loans above 3 years)
|
1.50%
below BPLR i.e. 11.75%
|
12.75%
(for loans up to Rs. 5 lacs only)
|
|
Above
60 months(including
premium segment car loans above 5 years)
|
1.25%
below BPLR i.e. 12.00%
|
13.00%
(for loans up to Rs. 5 lacs only)
|
|
Loans
for Used Cars
|
|
|
|
Up
to 36 months
|
1.00%
above BPLR i.e. 14.25%
|
14.75%
(for loans up to Rs. 5 lacs only)
|
|
Above
36 months
|
1.25%
above BPLR i.e. 14.50%
|
15.00%
(for loans up to Rs. 5 lacs only)
|
|
|
|
Loan
for Deposit of Earnest Money for Allotment of Plot
|
0.50%
above BPLR i.e. 13.75%
|
Not
applicable
|
|
|
|
Loans/overdrafts
against Bank's own Time Deposit (for all segments)
|
1.50%
over the rate paid on the relative Time Deposits offered
as security.
|
