Rate of Interest

CIBIL Score GST TURNOVER PROGRAMME (GTP) BANKING SURROGATE PROGRAM (BSP) REPAYMENT TRACK RECORD PROGRAMME (RTRP) GROSS RECEIPTS PROGRAMME (GRP)
Base rate Spread Effective RoI Base rate Spread Effective RoI Base rate Spread Effective RoI
800-850 9.85% 1.50% 11.35% 9.85% 1.50% 11.35% 9.85% 1.50% 11.35%
750-799 9.85% 2.00% 11.85% 9.85% 2.00% 11.85% 9.85% 2.00% 11.85%
700-749 9.85% 2.50% 12.35% 9.85% 2.50% 12.35% 9.85% 2.50% 12.35%
650-699 9.85% 3.00% 12.85% 9.85% 3.00% 12.85% 9.85% 3.00% 12.85%

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CIBIL Score GST TURNOVER PROGRAMME (GTP) BANKING SURROGATE PROGRAM (BSP) REPAYMENT TRACK RECORD PROGRAMME (RTRP) GROSS RECEIPTS PROGRAMME (GRP)
Base rate Spread Effective RoI Base rate Spread Effective RoI Base rate Spread Effective RoI
800-850 9.85% 1.75% 11.60% 9.85% 1.75% 11.60% 9.85% 1.75% 11.60%
750-799 9.85% 2.25% 12.10% 9.85% 2.25% 12.10% 9.85% 2.25% 12.10%
700-749 9.85% 2.50% 12.35% 9.85% 2.50% 12.35% 9.85% 2.50% 12.35%
650-699 9.85% 3.25% 13.10% 9.85% 3.25% 13.10% 9.85% 3.25% 13.10%

Note:

  • Loan for Plot Purchase/Loan against plot (Residential & Commercial) shall attract additional RoI of 0.50% (For details refer point a,b,c).
  • CRE-H (Third housing loan) will attract an additional 1% over HL RoI based on the program.
  • Income Estimation Program is not applicable for Salaried Persons.
  • ROI will be decided based on the applicant CIBIL score.
  • All loans shall be sanctioned at a fixed rate for the initial 3 years. Thereafter, it shall be converted to floating with the same spread over the prevailing Base Rate of that time.
  • The rate of interest mentioned in the range of 650-699 will also apply to applicants with CIBIL scores less than 650/New to Credit/No CIBIL Score and -1 score.
  • Home Equity Loan will attract an additional 0.50% RoI over HL RoI.


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