Loan Interest Rate
Loan Products Details Chart
Sr. No. Type of Loan Interest Rate As per PLR Base Max Period Max Period
Housing Loan 
1. Cibil Score Between 650 to 6 99 9.00%

20 Years

Max. Rs.140 lakh or 90% on Agreement
Cibil Score Above 700

8.50%

20 Years

Max. Rs.140 lakh or 90% on Agreement
Term Loan 
2.

For Machinery 

12.00% to 13.00%

10 Years

 Rs.275 lakh
For Business

12.00% to 13.00%
Cash Credit
3.

Cash Credit

12.00% to 13.00%

12 to 36 months 

Rs.275 lakh
Secured Loan (LAP)
4. On Plan Pass property

12.00%

10 Years

Rs.275 lakh
On 7/12 property

13.00%

Company Undertaking Loan
5.
 Company Undertaking Loan

11%

5 Years

Rs.3.00 lakh
 

7 Years

Rs.3.01 to 7 lakh
Vehicle Loan
6.

Personal Vehicle Loan

 9% to 10%

5 Years

 80% (Ex Show.R)
7. Transport Operat Loan 9.50 to 10.50% 5 Years 80% (Ex Show.R)

 
Gold Loan
8. Gold Loan 9% 1 Years Rs.2.00 lakh
  Gold Term Loan 10% 1 Years Rs.2.01 to 10.00 lakh
Lease Rent Discounting
9. Lease Rent Discounting 12% 7 Years Maximum Rs. 275 Lakh or 80% of valuation of the property
Loan For Self-Employed
10. Loan Scheme For Self-Employed (For Chartered Accountant & Doctor Only) 9% 12 Months to 35 Months for CC A/cs Up to Rs. 5.00 Lakh (On Debtors &Creditors)
10 Years for TL Maximum Rs. 275 Lakh or 80% of valuation of the property / Machinery
Property Overdraft loan
11. With Plan Pass 11% 15 months Maximum Rs. 275 Lakh or 80 % of valuation of the property
With 7/12 property 13%
Education Loan
12. Education Loan 8% to 8.50% 10 Years Maximum Rs.50 lakh
Micro Finance Loan
13. Loan to SHG/JLG (Micro Finance Loan) 22% 18 to 24 months Rs. 20,000/- to Rs.50,000/-
Personal Loan
14. Personal Loan 15% 5 Years Rs. 5.00 lakh