| Sr. No. |
Name of the sceme |
Period |
Rate of INT P.A. |
| 1 |
LOAN AGAINST GOLD Bullet Payment upto Rs.200000 (As per RBI circular)
LOAN AGAINST GOLD upto Rs.5000000 |
up to 12 months
up to 12 months |
9.50% P.A.
9.50% P.A.
(Processing Fees 0.50% on sanctioned amount, minimum Rs.200 and maximum Rs.7500 + other charges) |
| 2 |
HOUSING LOAN - Priority (As per RBI circular)
HOUSING LOAN - Non-Priority (As per RBI circular) |
up to 240 months
up to 240 months |
9.25% P.A.
9.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.140000 |
| 3 |
Home Repair for authorised construction (As per RBI circular) |
Maximum 60 months |
11.50% P.A.
Processing fees 1% on sanctioned amount |
| 4 |
BUILDER FINANCE (As per RBI circular) |
upto 60 months |
14% P.A.
Processing fees 1% on sanctioned amount or at max Rs. 150000 |
| 5 |
PURCHASE OF SHOP, OFFICE, GODOWN (For personal and rental purpose) |
upto 120 months |
11.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 6(a) |
SANMITRA VASTU UDYOG LOAN SCHEME (Regular) |
upto 84 months |
11.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 6(b) |
SANMITRA VASTU UDYOG LOAN SCHEME (MSME Certificate/SSI Unit) |
upto 84 months |
11% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 7 |
SANMITRA IMMOVABLE PROPERTY LOAN |
upto 120 months |
13% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 8(a) |
CASH CREDIT (Regular) |
upto 12 months (Renewable) |
11.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 8(b) |
CASH CREDIT (S.S.I./M.S.M.E.) |
upto 12 months (Renewable) |
11% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 9 |
T.O.D. (Cash Credit) |
At max 180 days |
LOAN INT +2%
Processing fees 1% on sanctioned amount |
| 10 |
Rent Discounting |
Rent agreement or 120 days which is minimum |
11% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 11 |
LOAN FOR EDUCATIONAL INSTITUTE |
upto 120 months |
12% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 12 |
EDUCATION LOAN (As per bank circular no. 376 dated 28-12-2022) |
As per course period |
9% P.A. (upto 5 lakh) - No margin, processing fees 0.25%
9.25% P.A. (above 5 to 20 lakh) - 15% margin, processing fees 0.35%
9.50% P.A. (above 20 to 50 lakh) - 20% margin, processing fees 0.40%
9.75% P.A. (above 50 to 100 lakh) - 20% margin, processing fees 0.50% |
| 13 |
LOAN TO PROFESSIONAL, SELF EMPLOYED, DOCTOR, ENGINEER. C.A., ADVOCATE etc. |
Upto 120 months |
11% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 14 |
SPORT LOAN |
Upto 84 months |
10% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 15(a) |
NEW CAR LOAN FOR PERSONAL USE (Excluding electric vehicle) |
up to 36 months (Processing fees 0.25%)
37 to 48 months (Processing fees 0.25%)
49 to 60 months (Processing fees 0.25%)
61 to 84 months (Processing fees 0.25%) |
9 % P.A.
9.25% P.A.
9.50% P.A.
10% P.A. |
| 15(b) |
USED CAR LOAN (2nd HP) FOR PERSONAL USE (Excluding electric vehicle) |
up to 48 months |
10% P.A.
Processing fees 0.50% on sanctioned amount |
| 16 |
VEHICLE LOAN (COMMERCIAL) excluding auto |
up to 48 months
48 to 60 months |
9.90% P.A. 85% Loan of (Ex-showroom + RTO + Insurance + TCS) Processing Fees) 0.50% on sanctioned amount
10% P.A. 80% Loan of (Ex-showroom + RTO + Insurance + TCS) Processing Fees) 0.50% on sanctioned amount |
| 17 |
NEW MACHINERY LOAN (R.T.O. REGD.)
NEW MACHINERY LOAN (R.T.O. REGD.)
NEW MACHINERY LOAN (R.T.O. NON REGD.) |
up to 60 months
up to 60 months
up to 60 months |
11% P.A. (Margin 15%, Processing Fees 0.50%)
10.50% P.A. (Margin 25%, Processing Fees 0.50%)
11% P.A. (Margin 25%, Processing Fees 0.50%) |
| 18 |
FURNITURE LOAN |
up to 60 months |
12.50% P.A. Processing fees 1% on sanctioned amount or at max Rs.150000 |
| 19 |
CONSUMER DURABLE LOAN (upto 1 Lakh) |
up to 48 months |
13% P.A.
Processing fees 1% on sanctioned amount |
| 20 |
PERSONAL LOAN |
up to 60 months |
14% P.A.
Processing fees 1% on sanctioned amount |
| 21 |
ADVANCE AGAINST INSURANCE POLICIES and NSC |
|
13% P.A.
Processing fees 1% on sanctioned amount |
| 22 |
All DEPOSIT (Cumulative and Non-cumulative deposit) according to bank circular 349 dated 15-7-2022 |
12 months or end date of receipt period which is minimum |
Interest + 1% extra |
| 23 |
LOAN AGAINST FD (Third Party) |
Maturity period |
FD Rate + 3% |
| 24 |
COMMERCIAL VEHICLE LOAN (2nd HP)
JCB and OTHER MACHINERY
POKLANE, EXCAVATOR, CRANE |
24 to 48 months
up to 48 months
up to 48 months |
11.50% P.A.
11.50% P.A.
11.50% P.A. |
| 25 |
ELECTRONIC FOUR WHEELER LOAN |
up to 36 months
36 to 48 months
48 to 60 months
60 to 84 months |
8.75% P.A.
9% P.A.
9.25% P.A.
9.75% P.A. |
| 26 |
ELECTRIC VEHICLE (Two Wheeler) |
36 to 60 months
36 to 60 months |
9.50 % P.A. for Female
10 % P.A. for Male |
| 27 |
3 WHEELER GOODS AND CARRIER SCHEME |
up to 36 months
up to 48 months
up to 60 months |
10% P.A.
10.25 % P.A.
10.50% P.A. |
| 28 |
TWO WHEELER LOAN Non-Electric VEHICLE |
36 to 60 months |
10% P.A. for Male and 9.50% for Female |
| 29 |
AUTHORISED HAWKERS LOAN |
36 to 48 months |
14% |
| 30 |
AGRICULTURE ALLIED |
36 to 60 months |
11.50% |
| 31 |
HOUSE WORKERS LOAN |
36 Months |
14% |
