Rate of Interest


Applicable Rates of Interest for Non - Housing loans
( Loan Against Property - Commercial & Residential and Top Up Loans )
Borrower Category Income Based (IB) Income Estimation
(IE)		 Low LTV Post Pension
Programme
Salaried Base Rate
9.65% +
Spread 1.80%

Effective RoI- 11.45%		 NA Base Rate
9.65% +
Spread 2%

Effective RoI- 11.65%		 Base Rate
9.65% +
Spread 2.50%

Effective RoI- 12.15%
Self-employed
(SEP/SENP) 		Base Rate
9.65% +
Spread 1.95%

Effective RoI- 11.60%		 Base Rate
9.65% +
Spread 2%

Effective RoI- 11.65%		 Base Rate
9.65% +
Spread 2.20%

Effective RoI- 11.85%		 NA
Non-Individual
Loan Upto Rs.30 Lakh 		Base Rate 9.65% + Spread 3%

Effective Rol- 12.65%
Non-Individual
Loan above Rs.30 Lakh 		Base Rate 9.65% + Spread 3.50%

Effective Rol- 13.15%


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Applicable Rates of Interest for Non - Housing loans

( Commercial Purchase )
Borrower Category Income Based (IB) Income Estimation
(IE)		 Low LTV Post Pension
Programme
Salaried Base Rate
9.65% +
Spread 2.30%

Effective RoI- 11.95%		 NA Base Rate
9.65% +
Spread 2.50%

Effective RoI- 12.15%		 Base Rate
9.65% +
Spread 3%

Effective RoI- 12.65%
Self-employed
(SEP/SENP) 		Base Rate
9.65% +
Spread 2.45%

Effective RoI- 12.10%		 Base Rate
9.65% +
Spread 2.50%

Effective RoI- 12.15%		 Base Rate
9.65% +
Spread 2.70%

Effective RoI- 12.20%		 NA
Non-Individual
Loan Upto Rs.30 Lakh 		Base Rate 9.65% + Spread 3.50%

Effective Rol- 13.15%
Non-Individual
Loan above Rs.30 Lakh 		Base Rate 9.65% + Spread 4.00%

Effective Rol- 13.65%


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