Non Agriculture Retail Products

Sr.No

Products

Eligibility

Maximum Loan Amount

Rate of Interest

Maximum Period

Margin

Moratorium Period

Processing Fee

1.

Personal Loan

Existing Salaried A/c Holders.

Other bank Salaried A/c Holders.

10 times gross Salary

or

Rs 5.00 Lac (Whichever is less)

  1. 1.   12% - Existing Salaried A/c Holders & Co-op Dept Employees.
  2. 2.   14 %-for others.

60 Months

NA

NA

0.5% of Loan Amount

2.

Home Loan

 

Salaried/Self –Employed/Professionals/Businessmen.

For Salaried- 36*Monthly Gross salary or 48* Monthly Gross salary.

For Others: - 40 months * gross Income.

(Maximum 20 lac).

  1. 1.   9.50   % for existing customers/women/ Co-operative Dept Employees.
  2. 2.   9.75 % for other than 1.

 

 

300 Months.

(25 Yrs).

 

15%

 

18 Months

 

0.50% of loan amount.

    (Max-         20,000).

3.

Vehicle Loan

Salaried Individuals.

Rs. 10 Lac for Car Loan.

Rs. 75,000/- for Two Wheelers.

      10 %

84 Months

15%

NA

0.5% of Loan Amount

4.

Overdraft

Salaried Individuals.

10 times gross Salary

or

Rs 5.00 Lac

(Whichever is less)

           12%

12 Months (Renewed after 1 yr.)

NA

NA

NA

5.

 

Loan Against Deposit

 

A/c Holders.

 

90% of value of Deposits.

 

1 % above deposit rate.

OD-12 months

Term Loan- Before maturity of deposits.

 

10%

 

NA

 

NA

6.

Loan Against Property

Individuals/Salaried/ Businessmen/

Professionals.

For Salaried-----

Rs.10 Lac.

For Others--------Rs.20 Lacs.

       

              14%

Od-12 Months

Term Loan-

84 months

 

10-25%

3 Months (Wherever Applicable).

 

0.5% of Loan Amount

7.

Small Road Transport Operators Loan

 

Eligible Customers

 

 Rs.10 Lac

               

              13%

 

84 Months.

 

 

25%

 

NA

 

0.5% of Loan Amount 

8.

 

Education Loan To Students.

 

 

Eligible Students

 

 

Rs. 10 Lac

            

 13%

 

10 Yrs (7 Yrs repayment Period).

 

10 % for above Rs. 4 Lac. 

Course Period + 1 Yr.

or

Course Period +

6 Months (after commencement of job) (whichever is earlier)

 

NA

9.

Small Business Loan

Individuals/ Firms

 

 

Rs 20 lac.

  Up to 2 lac-11%

Above 2 lac up to Rs. 5 lac-12%

Above Rs. 5 lac-13%

CC-12 Months

Term Loan-

84 Months.

 

15-20%

 

 

NA

 

0.5% of Loan Amount

 

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