* * Housing loan up to Rs.30 lakh for 15 years @10.50% p.a. floating: EMI Rs.1106/- per lakh           * 9.50% interest for deposits of one year to less than 5 years            * Avail the facility of same day remittance of funds at par. Please contact the nearest branch for details
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Interest Rates - Loan Schemes
Prime Lending Rate
13.75% w. e. f. 01.07.2008
INTEREST RATES: PERSONAL SEGMENT ADVANCES
EFFECTIVE            01.07.2008
Schemes
Rate of Interest % p.a.
Floating
Fixed
Housing Loans

Up to 15 years

Loans up to  Rs. 30 lacs

Loans above Rs. 30 lacs



3.25% below BPLR i.e. 10.50%

3.00% below BPLR i.e. 10.75%
Up to 10 years only

12.75%

12.75%

15 to 20 years

Loans up to  Rs. 30 lacs

Loans above Rs. 30 lacs



3.00% below BPLR i.e. 10.75%

2.75% below BPLR i.e. 11.00% 		 

Not applicable
Education Loans

Loans up to Rs. 4 lacs

1.50% below BPLR i.e. 12.25% Not applicable

Loans above Rs.4 lacs &
upto Rs. 7.50 lacs

At BPLR i.e. 13.75% Not applicable

Loans above Rs. 7.50 lacs

2.00% below BPLR i.e. 11.75% Not applicable
 

Two wheeler Loans

1.25% above BPLR i.e. 15.00% 15.00%

Personal Loans

2.00% above BPLR i.e. 15.75% Not applicable

Loans to Pensioners
Special Campaign offer till 30.09.2008

 At BPLR i.e. 13.75%
2% below BPLR i.e. 11.75% 		Not applicable

Loan against Mortgage of Immovable Property

At BPLR i.e. 13.75% Not applicable
Loan against gold ornaments

Loans up to Rs. 1 lac

Loans above Rs. 1 lac

0.25% above BPLR i.e. 14.00%

0.75% above BPLR i.e. 14.50% 		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. 12.00%

1.25% below BPLR i.e. 12.50% 		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. 12.00%

1.25% below BPLR i.e. 12.50% 		Not applicable

Not applicable
 

SBS Rent Plus Scheme

At BPLR i.e. 13.75% Not applicable

SBS Medi Plus Scheme

At BPLR i.e. 13.75% Not applicable

Loans against Shares/ Debentures / Bonds

At BPLR i.e. 13.75% Not applicable
Car Loans (For New Car) (Festival Bonanza Offer till 30.09.2008)

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. 12.00%   Not applicable

Non Premier Segment Car Loans

Up to 7 years

1.75% below BPLR i.e. 12.00% 13.00% (for loans up to Rs. 5 lacs only)

Loan for Used Cars

Up to 36 months

1.00% above BPLR i.e. 14.75% 14.75% (for loans up to Rs. 5 lacs only)

Above 36 months

1.25% above BPLR i.e. 15.00% 15.00% (for loans up to Rs. 5 lacs only)
   

Loan for Deposit of Earnest Money for Allotment of Plot

At BPLR i.e. 13.75%

Not applicable  

Reverse Mortgage Loan

Not applicable 10.75% (Fixed)
 

Loans/overdrafts against Bank's own Domestic & NRO Time Deposit (for all segments)

  1. 1% over the rate paid on the relative time deposit offered as security if the loan amount is below Rs.5.00 crores.
  2. 0.75% over the rate paid on the relative time deposits offered as security, where loan amount is Rs.5.00 crores and above
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