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It has now been decided to extend the Festival Offer from 01.04.

2019 till
30.06.2019. There is an increase in rate of interest on Home Loans by
0.05% across all slabs w.e.f 01.04.2019. The Rate of Interest on Vehicle
Loans along with waiver of Processing Charges on Home Loans and
Vehicle Loans will continue as hitherto.

Details are as under:

A. Effective Rate of Interest on Home Loan: For Any Quantum-


Effective from 01.04.2019 till 30.06.2019

Salaried Self Employed


Cibil-Personal Loan 1 Year MCLR +0.10% i.e 1 Year MCLR +0.10% i.e
Score of 760 and above 8.80% 8.80%

Cibil-Personal Loan 1 Year MCLR +0.25% for 1 Year MCLR +0.35% for
Score between 725 to women i.e 8.95% women i.e 9.05%
759
1 Year MCLR +0.30% for 1 Year MCLR +0.40% for
others i.e 9.00% others i.e 9.10%
Cibil-Personal Loan 1 Year MCLR +0.35% for 1 Year MCLR +0.95% for
Score between 675 and women i.e 9.05% women i.e 9.65%
724 (With delegation to (With delegation to
ZLCC/RBC Head for an ZLCC/RBC Head for an
additional concession of 10 additional concession of 10
Bps under this bracket) Bps under this bracket)
1 Year MCLR +0.40% for 1 Year MCLR +1.00% for
others i.e 9.10% others i.e 9.70%
(With delegation to (With delegation to
ZLCC/RBC Head for an ZLCC/RBC Head for an
additional concession of 10 additional concession of 10
Bps under this bracket) Bps under this bracket)
Cibil-Personal Loan 1 Year MCLR +0.25% for 1 Year MCLR +0.35% for
Score of -1 and 0 women i.e 8.95% women i.e 9.05%
(Sanctioning in this bracket
will be at the next higher
authority i.e one level above
usual sanctioning authority)
1 Year MCLR +0.30% for 1 Year MCLR +0.40% for
others i.e 9.00% others i.e 9.10%
(Sanctioning in this bracket
will be at the next higher
authority i.e one level above
usual sanctioning authority)

 Presently, 1 Year MCLR = 8.70%


 In case of joint/multiple borrowers, CIBIL Personal Loan Score of the borrower
or co-borrower having highest score should be considered for deciding the
pricing, delegation and acceptability of the proposition
 In case of one borrower having CIBIL Personal Loan Score of -1/0 with another
having Personal Loan Score below 725, Pricing, delegation and acceptability
of the proposition shall be decided on the basis of CIBIL Personal Loan Score
of -1/0.
 CRE-RH-Home Loans will attract 0.50% additional rate of interest as usual.
 PMAY Loans and Star Pravasi Home Loans are outside the ambit of the
Festival Offer.

B. Rate of Interest on Vehicle Loans (Effective from 01.04.2019 till


30.06.2019):-

Salaried Self Employed


Any Quantum Cibil-Personal Score 1 Year MCLR 1 Year MCLR +0.70%
of 760 and above +0.60% i.e 9.30% i.e 9.40%

Cibil-Personal Score 1 Year MCLR 1 Year MCLR +0.95%


between 725 and 759 +0.85% i.e 9.55% i.e 9.65%

Cibil-Personal Score 1 Year MCLR 1 Year MCLR +1.00%


between 675 and 724 +0.90% i.e 9.60% i.e 9.70%

Cibil-Personal Score 1 Year MCLR 1 Year MCLR +1.20%


of -1 & 0 +1.00% i.e 9.70% i.e 9.90%

 Presently, 1 Year MCLR = 8.70%.


 In case of joint/multiple borrowers, CIBIL Personal Score of the borrower
or co-borrower having highest score should be considered for deciding
the pricing.
 In case of one borrower having CIBIL Personal Loan Score of -1/0 with another
having Personal Loan Score below 675, Pricing, delegation and acceptability
of the proposition shall be decided on the basis of CIBIL Personal Loan Score
of -1/0.

C. Waiver in 100% Processing Charges on Home Loans and Vehicle Loans


effective from 01.04.2019 till 30.06.2019.