Festival Bonanza Offer on Home & Vehicle Loan, No Processing Fee & Concession in ROI in Vehicle Loan

Offer Valid till 31.03.2015

RATE OF INTEREST ON RETAIL CREDIT ADVANCES (FRESH FINANCE) AS PER BASE RATE OF 10.25%- Effective from 19.12.14
IN EXISTING LOAN ACCOUNTS THE RATES SHALL VARY ACCORDING TO CHANGES IN BASE RATE
SCHEME
PARTICULARS OF INTEREST RATE

Loan up to Rs. 4.00 Lacs

BR + 2.50%
Third Party Guarantee
BR + 3.00%
Above Rs.4.00 Lacs & Upto Rs.7.50 Lacs
Immovable Property or Tangible Assets BR + 1.75%
Above Rs.7.50 Lacs
BR + 1.75%
Education Loan to Serving Professionals for Part-time courses
BR + 2.50%
Scheme for Vocational Education & Training
BR + 2.50%
Scheme for students of MDI, Gurgaon & IMT, Ghaziabad
BR + 1.00%
Scheme for Students of IIMS, IITs, XLRI & ISBs
BR=10.25%
* 0.50% concession for Girl Student/ SC/ ST/ Disabled, subject to minimum of Base Rate.

Education Loan

Housing Loans

Upto 2 houses, irrespective of loan limit

3rd house onwards

BR = 10.25%

Car/Vehicle Loan Scheme

Second Hand Car Loan

Upto 84 months
If loan is repayable within 3 years

BR + 0.50% = 10.75%
BR + 3.00% = 13.25%

Loan To Traders Scheme

Loan upto Rs.50000

Loan above Rs.50000 & upto Rs. 2.00 Lac
Above Rs 2 Lacs to Rs. 25.00 Lacs
Above Rs 25 Lacs to Rs.50 Lacs

BR +1.75% = 12.00%
BR +2.50% = 12.75%
BR +2.75% = 13.00%
BR+2.50% = 12.75%
BR+3.00% = 13.25%
BR+4.00% = 14.25%
BR+5.00% = 15.25%

Oriental Business Loan Scheme (OBLS)

Oriental Mortgage Loan Scheme (OMLS)

BR + 2.25% = 12.50%
BR + 2.25% = 12.50%

Personal Loan scheme

a) Govt. (Central / State) & PSU Employees (Working & Pensioners)
b) Corporate Employees
Male Borrower
c) Personal Loan for Existing Home
Loan Borrowers
Female Borrower

BR + 2.25% = 12.50%
BR + 3.25% = 13.50%
BR + 1.50% = 11.75%
BR + 1.00% = 11.25%

a) Scheme for Loan to Doctors

b) Women Entrepreneurs Scheme/
Financing Beauty Parlors/ by
Women

Loan up to 50.00 Lac (max)

Loan Limit
Loan upto Rs.50000
Loan above Rs.50000 & upto Rs. 2 Lacs
Above Rs 2 Lacs to Rs. 25.00 Lacs
Above Rs 25 Lacs to Rs.1.00 Crore

c) Loans to Professionals (Except

Doctors)
(* CR- Credit Rating)

(* CR- Credit Rating)

Loan Limit
Up to Rs. 2.00 Lacs
Above Rs 2 Lacs to Rs. 25.00 Lacs
Above Rs 25 Lacs to Rs.50.00 Lacs

Advance Against Gold Ornaments

1)FOR FARMERS

Scheme for Financing Auto-Taxi

12.75%*
13.25%*
12.00%*
12.00%*
12.75%*
12.75%*
11.25%*

BR =10.25%
BR+0.50%=10.75%

Earnest Money finance scheme For purchase of plot / flat/ house in Govt.
sponsored schemes

Scheme For Financing Against Govt.

Securities/LICs etc.

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(If Credit rating is 1)

(If credit rating is 2)
(If credit rating is 3)
(If credit rating is below 4, 5, 6 & 7)

BR + 2.00% = 12.25%
Normal ROI
BR+1.75%=12.00%
BR+2.00%=12.25%
BR+2.25%=12.50%
BR+2.50%=12.75%, If CR-1
BR+2.75%=13.00%, If CR-2
BR+3.00%=13.25%, If CR-3
BR+3.25%=13.50%, If CR-4
BR+3.50%=13.75%, If CR-5
BR+3.75%=14.00%, If CR-6

If covered under CGTSME

BR=10.25%
BR=10.25%
BR+1.00%=11.25%
BR+0.50%=10.75%, If CR-1
BR+1.00%=11.25%, If CR-2
BR+1.50%=11.75%, If CR-3
BR+2.00%=12.25%, If CR-4
BR+2.50%=12.75%, If CR-5
BR+3.00%=13.25%, If CR-6

Normal ROI
BR+2.00% =12.25%
BR+2.00% =12.25%
BR+2.50% =12.75%, If CR-1
BR+2.75% =13.00%, If CR-2
BR+3.00% =13.25%, If CR-3
BR+3.25% =13.50%, If CR-4
BR+3.50% =13.75%, If CR-5
BR+3.75% =14.00%, If CR-6

If covered under CGTSME

BR=10.25%
BR+1.00%=11.25%
BR+0.50%=10.75%, If CR-1
BR+1.00%=11.25%, If CR-2
BR+1.50%=11.75%, If CR-3
BR+2.00%=12.25%, If CR-4
BR+2.50%=12.75%, If CR-5
BR+3.00%=13.25%, If CR-6

Loan upto Rs.50000

BR +1.00% = 11.25%
Loan above Rs.50000 & upto Rs.2 Lacs BR +1.50% = 11.75%
Above Rs. 2 Lacs & upto Rs. 10 Lacs
BR +2.00% = 12.25%
2) FOR GENERAL PUBLIC
BR +3.00% = 13.25%
Reverse Mortgage
Loan against Deposit

12.75% with monthly rest on Fixed Rate, subject to reset clause of 3 yrs
Advance against Self Deposits
Advance against Third Party Deposits

1.50% over the applicable rate of interest on deposits

2.00% over the applicable rate of interest on deposits with a floor rate of BR