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  • Int Rate Retail

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    Princy Gupta
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    The document outlines the revised interest rates for various retail credit schemes offered by a bank effective May 15, 2012. Rates are linked to the base rate of 10.50% with spreads varying based on loan amount, purpose, and borrower profile. Housing loans have the lowest rates from 10.75% to 13.50% depending on loan tenure and amount. Vehicle and personal loans have rates from 11.50% to 15.50%. Loans to professionals, traders, and farmers have rates from 12.25% to 15.50% depending on loan amount and credit rating. Gold loans for agricultural purposes have lower rates than for other purposes.

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    The document outlines the revised interest rates for various retail credit schemes offered by a bank effective May 15, 2012. Rates are linked to the base rate of 10.50% with spreads varying based on loan amount, purpose, and borrower profile. Housing loans have the lowest rates from 10.75% to 13.50% depending on loan tenure and amount. Vehicle and personal loans have rates from 11.50% to 15.50%. Loans to professionals, traders, and farmers have rates from 12.25% to 15.50% depending on loan amount and credit rating. Gold loans for agricultural purposes have lower rates than for other purposes.

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    Attribution Non-Commercial (BY-NC)
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    37 Ansichten1 Seite

    Int Rate Retail

    Hochgeladen von

    Princy Gupta
    The document outlines the revised interest rates for various retail credit schemes offered by a bank effective May 15, 2012. Rates are linked to the base rate of 10.50% with spreads varying based on loan amount, purpose, and borrower profile. Housing loans have the lowest rates from 10.75% to 13.50% depending on loan tenure and amount. Vehicle and personal loans have rates from 11.50% to 15.50%. Loans to professionals, traders, and farmers have rates from 12.25% to 15.50% depending on loan amount and credit rating. Gold loans for agricultural purposes have lower rates than for other purposes.

    Copyright:

    Attribution Non-Commercial (BY-NC)
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    Markieren Sie unangemessene Inhalte
    von 1

    REVISED RATE OF INTEREST ON RETAIL CREDIT ADVANCES W.E.F. 15.05.2012 AS PER BASE RATE OF 10.50%SCHEME PARTICULARS OF INTEREST RATE.

    Loan up to Rs.4.00 lac BR + 2.50% = Above Rs.4.00 Lacs & Upto Rs.7.50 Lacs BR + 3.00% = Education Loan Above Rs.7.50 Lacs BR + 2.50% = Education Loan to Serving Professionals / Executives and Defence Personnel for Part-time courses BR + 3.00% = UP TO 5 YEARS Housing Loans Above 5 & upto 15 yr Above 15 &upto 25 yr Granted At Up to Rs 30 lacs BR +0.25% =10.75% BR +0.25%= 10.75% BR+0.50%=11.00% Floating Rate

    13.00% 13.50% 13.00% 13.50%

    Above Rs.30-75 lacs Above Rs.75 lacs- Rs. 3.00 Crores Above Rs. 3.00 Crores

    BR+0.50%=11.00% BR+0.50% =11.00% BR +0.75%=11.25% BR+0.75%= 11.25% BR +0.75%=11.25% BR+1.00% =11.50% Interest rate shall be decided by sanctioning authority on case-to-case basis.

    Financing Of Earnest Money

    Rate of interest for purchase of plot / flat/ house BR +1.50% = 12.00% In case borrower adjusts loan by disposing the plot or the loan, BR+7.00% = 17.50% From the date of allotment / end date account is not adjusted within stipulated period of the scheme. of stipulated period of the scheme, till liquidation of account. Car/Vehicle Loan SchemeIf loan is repayable within 3 years BR + 1.00% = 11.50% Personal Use. (Including Car If loan is repayable after 3 years BR + 1.25% = 11.75% loan to Corporate clients) Second Hand Car Loan If loan is repayable within 3 years BR + 3.00% = 13.50% Loan To Traders Scheme Loan upto Rs.50000 BR +1.75% = 12.25% Loan above Rs.50000 & upto Rs. 2.00 Lac BR +2.50% = 13.00% Above Rs 2 lac to Rs. 25.00 Lacs BR +2.75% = 13.25% Above Rs 25 Lacs to Rs.50 Lacs BR+2.50%=13.00% If Credit rating is A++ (1) BR+3.00%=13.50% If credit rating is A+ (2) BR+4.00%=14.50% If credit rating is A (3) BR+5.00%=15.50% If credit rating is below A (4,5,6&7) Personal Loan scheme BR +5.00% = 15.50% Loan to Pensioners Scheme BR +3.50 % = 14.00% Scheme For Financing Against Govt. Securities/LICs etc. Loan up to 50.00 lac (max) BR +2.00% = 12.50% MICRO & SMALL Women Entrepreneurs Scheme/ Financing Beauty Loan upto Rs.50000 BR +1.75% = 12.25% Parlors/ by Women Loan above Rs.50000 & upto Rs. 2.00 Lacs BR +2.00% = 12.50% Above Rs. 2.00 Lac & up to Rs. 10.00 Lacs BR +2.25% = 12.75%
    MICRO & SMALL

    Scheme For Financing Auto / Taxis

    Loan upto Rs.50000 Loan above Rs.50000 & upto Rs. 2.00 Lac Above Rs 2 lac to Rs. 25.00 Lacs Above Rs 25 Lacs to Rs.50 Lacs

    BR +1.75% = 12.25% BR +2.00% = 12.50% BR +2.25% = 12.75% BR+2.50%=13.00% If Credit rating is 1 BR+2.75%=13.25% If credit rating is 2 BR+3.00%=13.50% If credit rating is 3 BR+3.25%=13.75% If credit rating is 4 BR+3.50%=14.00% If credit rating is 5 BR+3.75%=14.25% If credit rating is 6 & below
    MICRO & SMALL

    Loans to Professionals (Except Doctors)

    Loan upto Rs.50000 Loan above Rs.50000 & upto Rs. 2.00 Lac Above Rs 2 lac to Rs. 20.00 Lac Loan upto Rs.50000 Loan above Rs.50000 & upto Rs. 2.00 Lac Above Rs 2 lac to Rs. 25.00 Lacs Above Rs 25 Lacs to Rs.1.00 crore

    BR +1.75% = 12.25% BR +2.00% = 12.50% BR +2.25% = 12.75%


    MICRO & SMALL

    Scheme for Loan to Doctors

    BR +1.75% = 12.25% BR +2.00% = 12.50% BR +2.25% = 12.75% BR+2.50%=13.00% If Credit rating is 1 BR+2.75%=13.25% If credit rating is 2 BR+3.00%=13.50% If credit rating is 3 BR+3.25%=13.75% If credit rating is below 4 BR+3.50%=14.00% If credit rating is below 5 BR+3.75%=14.25% If credit rating is 6 & below BR +1.50% BR +2.50% BR +3.50% BR +5.00% BR +4.25% =12.00% =13.00% =14.00% =15.50% =14.75%

    Advance Against Gold Jewellery

    1.)Rate of Interest for Agriculture purpose Loan upto Rs.50000 Loan above Rs.50000 & upto Rs.2.00 Lacs Above Rs. 2.00 Lacs & upto Rs. 10.00 Lacs 2) Other than Agriculture purpose

    OTLS

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