ALLBANK AASHIANA (A new Home loan scheme)

Eligibility Salaried persons, Professionals & Self-Employed and Businessmen having regular income to liquidate the loans Age Minimum: 21 years Maximum: Age of retirement for salaried class & 70 years for others. Purpose: For construction of residential house on land already owned. For purchase of New / Old / Unfinished house/flat and renovation /extension /repair of the same. For purchase of plot and construction of house thereon For renovation / extension / repair of residential house already owned.

Loan amount: For salaried persons: Up to 60 times of monthly gross salary (Maximum: Rs. 200 Lac) For others: Up to 4 times of gross annual Income (Maximum: Rs. 200 Lac) Nature of Loan: Term Loan Margin: For loans up to Rs. 20.00 Lacs - 15% of Project cost. For loans above Rs. 20.00 Lacs - 20% of Project cost. Project cost consists of : Purchase price of land/house/flat. Cost of construction/renovation/extension (if applicable) Stamp duty and registrations charges as applicable. Accrued interest amount of moratorium period, if proposed to be capitalized Premium of Loan Insurance. Click here for Rate of interest Click here for Processing Fees, Prepayment Penalty,

Documentation Charges, Mortgage and other charges Security: Primary: Equitable / Registered Mortgage of the property Or Pari-Passu / Second charge over the property if the borrower (salaried person) has already availed loan from his/her organization. Rate of Interest: Up to Rs. 25 Lac BR Repayment Period: Salaried Persons : Length of remaining service, Maximum 25 years Others : Remaining period in attaining the age of 70, Maximum 20 years Repayment period will be exclusive of moratorium period. Above Rs. 25 Lac and up to Rs.75 Lac BR+0.25% Above Rs. 75 Lac and up to Rs.200 Lac BR+0.50%

Moratorium Period : Maximum 18 months : In case of loan for construction of house where land is already owned or purchased. Maximum 24 months : In case of loan for purchase of Flat under construction.

Special Features : Repayment option for salaried persons To extended repayment period up to 5 years after retirement Bullet Payment To deposit some Lump Sum amount from future cash flows and to amend repayment schedule accordingly Progressive Monthly Installments (PMI) Options - Under this, the initial monthly installments for the first 5 years shall be kept lower i.e. @ 80% of normal EMI, for financial comfort which will be increased gradually/. Take over of housing loans from other finance companies / financial institutions / banks. For acquiring 2nd residential unit. Supplementary Finance for carrying out alterations/ additions/repairs to the house/flat or for finishing Supplementary / Additional finance to individuals who have availed housing loans from their employer on the basis of paripassu charge / Second Charge

Insurance cover to the extent of loan liability for entire repayment. 3rd Party Guarantee not required

Allahabad Bank Education Loan Scheme

Eligibility: Indian National who has secured admission to professional/ technical courses in recognized institutions in India or Abroad through Entrance Test/ Merit Based Selection Process after completion of H.S.C. (10 plus 2 OR equivalent).

Courses Eligible: Courses eligible for study in India: Approved courses leading to Graduate/ Posy-Graduate degree and P.G. Diplomas conducted by recognized Colleges/ Universities recognized by UGC/ Govt./ AICTE/ AIBMS/ ICMR etc. Courses like ICWA, CA, CFA etc. Courses conducted by IIMs, IITs/ IISc, XLRI, NIFT, NID etc. Regular Degree/ Diploma Courses like Aeronautical, Pilot Training, Shipping etc. approved by Director General of Civil Aviation/ Shipping, if the course is pursued in India. Approved courses offered in India by reputed Foreign Universities.

Courses eligible for Study abroad: Graduation: For Job oriented professional/technical courses offered by reputed Universities. Post Graduation: MCA, MBA, MS etc. Courses conducted by CIMA London, CPA in USA etc. Regular Degree/ Diploma courses like Aeronautical, pilot training, shipping etc., the Institute duly recognized by the Competent University/ State Body/ Local Aviation/ Shipping Authority.

The information on recognition status of the Institute may be gathered from the following websites: www.ugc.ac.in , www.aicte.org.in , www.education.nic.in (For studies in

India) www.webometrics.info (For studies abroad) Quantum of Loan: Need based finance subject to repaying capacity of the parents / students with following ceilings: Studies in India: Maximum Rs. 10.00 lac Studies abroad: Maximum Rs. 20.00 lac.

Expenses Considered for Loan Fee payable to College / School /Hostel Examination/Library/Laboratory Fee Purchase of Books / Equipments/ Instruments/ Uniforms. Caution Deposit/ Building Fund/ Refundable Deposit supported by Bills/Receipts of the Institution, subject to the conditions that amount does not exceed 10% of the total tuition fees for the entire course. Travel Expenses/Passage Money for studies abroad. Purchase of Computers essential for completion of the course at reasonable cost. Insurance premium for student borrower. Any other expenses required to complete the course, such as- Study Tours, Project Work, and Thesis etc. Reimbursement of the fee paid at the time of counseling if applied within 60 days from the date of such payment.

Margin For loan upto Rs 4.00 lac: NIL For loan above Rs 4.00 lac: (i) Studies in India: 5% (ii) Studies abroad: 15% Scholarship / Assistantship to be included in Margin. Margin Money to be brought on year-to-year basis Click here for Rate of interest Click here for Processing Fees, Prepayment Penalty, Documentation Charges, Mortgage and other charges Application of Interest: Simple interest during moratorium period. Service interest during moratorium period regularly and avail a special discount of 1.00% in interest rate.

Repayment:

Repayment Holiday / Moratorium is Course Period + 1 year or 6 months after getting job, whichever is earlier. Loans up to Rs.7.50 Lac to be repaid within a maximum period of 10 years & those above Rs.7.50 Lac within a maximum period of 15 years after commencement of repayment period.

Security: For IIT/IIM/ISB(Indian School of Business, Hyderabad ), for loan upto Rs 10.00 lac- NIL, Only co-obligation of Parent / Guardian For others o For loan upto Rs 4.00 lacs: NIL, Only co-obligation of Parent / Guardian o For loan above Rs 4.00 lacs and upto Rs 7.50 lacs: Satisfactory third party guarantee & Co-obligation* of parent/ guardian. o For loan above Rs 7.50 lacs: Co-obligation * of parents/ guardian & tangible collateral security covering full loan amount.

Delivery Channel From all our Branches, Retail Banking Boutiques and Centralized Retail Banking Boutiques On-line approval facility for leading 250 institutions within 72 hours.

Value added Service FREE Debit Card

Insurance: Group Life Insurance Cover to the extent of loan liability for entire repayment period is available. Others o The parent / guardian would become co-borrower with the student o Education Loan would be sanctioned preferably through branches / RBBs/ CRBBs nearest to the place of residence of parents. o Second time education loan is available for higher studies / escalation of cost.

Allbank Dream Car

(A new Car Finance Scheme with attractive Rate of Interest BR+0.50% i.e. 11.00% as on 18.05.2012)

Purpose Purchase of new Vehicle for personal use/official use Purchase of pre-owned vehicle, not more than 3 years old The term Vehicles includes: Car, Van, JEEP, Multi Utility Vehicles (MUVs).

Target Group Our existing corporate customers, their directors and employees Salaried persons, Professionals & Self-Employed, Businessmen, Firms, Companies, Agriculturist and Pensioners of Central, State Govt. and our Bank having regular income to liquidate the loans

Eligibility (Income) Salaried Person: Minimum gross monthly income of Rs.15, 000/Agriculturist: Minimum 5 acres of irrigated land holding Professional & Self-Employed / Businessmen: An IT assesee. With full collateral security, IT assessment order / IT return may be waived. Retired individuals: Drawing monthly pension of Rs 15000/= and above. Firm/ Companies: Net profit is sufficient to meet repayment of Car Loan

Margin For New Vehicle: 15% of the cost of vehicle on Road (i.e. one time registration + first time Road tax & insurance charges etc.). For Pre-owned Vehicle -85% of the "Agreed Purchase Price" as valued by Approved Automobile Valuer or 60% of the Valuation of the Vehicle, whichever is lower.

Eligibility (Service Period of Applicant/ Repayment Age/Age of Firm & Company) Salaried Person: The loan should be repaid at least three months before the date of retirement from service. Other than Salaried person: Repaid before attaining the age of 70 years. Firm/ Companies: should be existent for at least 2 years.

Loan Limit Maximum of 2.5 times of Net Annual Income / Net Annual Salary. Income of spouse / father/ mother/ son/ unmarried daughter can also be clubbed, provided he/she/they become the co-borrower

No of vehicle Maximum number of Car Loans available: Individual - 2

Partnership Firms -10 Companies - 15 Click here for Rate of interest Click here for Processing Fees, Prepayment Penalty, Documentation Charges, Mortgage and other charges Security In both cases (New / Pre-owned Vehicle) Primary : Hypothecation of Vehicle Collateral : o Guarantee of the Spouse if his / her income is considered o For loans Upto Rs. 20.00 lac Guarantee of one person of means and standing o For loans above Rs. 20.00 lac o Pledge of FDR/NSC/KVP etc. and/or assignment of Life Insurance Policy, Or o Mortgage of House/Flat Or o Partly by immovable property and partly by liquid security. Repayment Period For New Vehicle: o Individuals: Maximum 84 Months o For Firm/ Companies: Maximum 60 Months For Pre-owned Vehicle: Maximum 60 months / Residual life of the vehicle, whichever is lower

Pensioners Personal Loan

Target Group & Eligibility Criteria All the state Govt., Central Govt., teachers pensioners & family pensioners drawing monthly pension through our branches or from Post Office/Other Banks. Definition: Pension means basic pension plus dearness relief at the time of sanction of credit facility. Age: Must not exceed 73 years (Seventy three years) as on the date of disbursement of loan. Purpose:

For any purpose. Loan amount: Up to 10 months pension inclusive of relief subject to the following limit. Maximum Rs. 2.00 Lac for pensioners up to 65 years of age Maximum Rs. 1.00 Lac for pensioners above 65 years of age (Age will be reckoned as on date of sanction of loan) Minimum Rs. 25000 / -

Margin: Nil Repayment Period: Maximum 48 months Click here for Rate of interest Click here for Processing Fees, Prepayment Penalty, Documentation Charges, Mortgage and other charges Insurance: Group Personal Accident Insurance Policy of Rs.75,000/- covering accidental death for the pensioners availing loan under Personal Loan Scheme for Pensioners. Disbursement: By credit to his / her (Principal Borrower) S/B account Processing Fee: Nil Collateral Security: In case of the borrower drawing pension from our Bank and family pensioner is alive: Personal Guarantee of the family pensioner as mentioned in the PPO

For others: Pledge of NSC / KVP / FDR etc. covering 25% or 50% (subject to the condition of family pensioners) of loan amount. In case the above security/ies stand/s in the name of third party/parties personal guarantee from him/her/them.

Guarantee from 2 persons having individual net worth equal to two times of loan amount, preferably from legal heirs / son / spouse / daughter.

redit Schemes
S. N. 1. 2. Particulars Banks Base Rate (BR) w.e.f. 01.05.2012 Bank's Benchmark Prime Lending Rate (BPLR) w.e.f. 01.05.2012 Rate 10.50% 14.75%

MSME Finance Micro, Small & Medium Enterprises (MSME) Advances (Secured): S.N. Parameters A B C Loan up toRs.50000/Micro Enterprises BR Small Enterprises BR+0.50% BR+1.50% BR+2.00% Medium Enterprises BR+1.00% BR+2.00% BR+2.50%

AboveRs.50000/- BR+1.00% toRs.2.00 lacs. Above Rs.2.00 lakh to Rs.10.00 lacs. Rs.10.00 lacs & above(Linked to Rating of the account) BR+1.50%

AB-1 AB-2 AB-3 AB-4 AB-5 AB-6 AB-7

:BR+1.50% :BR+1.50% : BR+2.50% : BR+3.50% : BR+5.00% : BR+6.00% : BR+7.00%

AB-1:BR+2.00% AB-2:BR+2.50% AB-3:BR+3.00% AB-4:BR+3.50% AB-5:BR+5.50% AB-6:BR+6.50% AB-7: BR+7.50%

AB-1: BR+2.50% AB-2: BR+3.00% AB-3: BR+3.50% AB-4: BR+3.50% AB-5: BR+5.50% AB-6: BR+6.50% AB-7: BR+7.50%

Agriculture Advances Agriculture Advances (Secured): S.N. Parameters 1 Up to Rs.50000 .00 BR+0.75% Rate

2 3 4 5 6 6.1 6.2 7.

Above Rs.50000.00 & up to Rs.2.00 Lac Above Rs.2.00 Lacs & up to Rs.5.00 Lac Above Rs.5.00 Lacs & up to Rs. 10.00lacs Above Rs.10.00 Lacs Cold Storage, Warehouse & Rural Go down Up to Rs.25.00 Lac Above Rs.25.00 lacs

BR+2.00% BR+3.50% BR+4.50% As per risk rating of borrowers

BR+3.00% As per risk rating of borrowers

Financing to SHGs - upto Rs.50000.00 per BR member & upto Rs.5.00 lacs per Group (Maximum) Loans to MFIs (Micro Finance Institutions) Up to Rs.50.00 Lacs Above Rs.50.00 Lacs

8.1 8.2 8.3 8.4 8.5 8.6 8.7

AB-1 or highest rating by external agency BR+2.00% BR+2.00% AB-2 or high rating by external agency BR+2.50% BR+3.00% AB-3 or above average rating by external BR+3.50% BR+4.00% agency AB-4 or average rating by external agency AB-5 AB-6 AB-7 BR+4.50% BR+4.50% BR+5.00% BR+5.50% BR+5.50% BR+6.00% BR+7.50% BR+7.50%

Agriculture Advances(Secured): (Based on the rating of accounts) S.N. Rating Agriculture(Having Poultry(Having Grade Exposure above 10.00 Exposure above Lacs) 25.00 Lacs) Cold Storage, Warehouses & Rural Godown(Having Exposure above 25.00 Lacs) BR+4.00% BR+4.50% BR+5.00% BR+5.50% BR+6.00% BR+6.50% BR+7.00%

1 2 3 4 5 6 7

AB-1 AB-2 AB-3 AB-4 AB-5 AB-6 AB-7

BR+4.00% BR+4.50% BR+5.00% BR+5.50% BR+6.00% BR+6.50% BR+7.00%

BR+3.00% BR+4.00% BR+4.50% BR+5.00% BR+5.50% BR+6.00% BR+7.00%

Rate of Interest under Retail Credit Products Sl. No. 1 2 3 4 Scheme AllBank Property AllBank Rent Scheme for O/D in S. B. Accounts: All Bank Trade: 1. For credit limits upto Rs.20.00 Lac for Retail Trade: 2. For credit limits classified under Micro & Small Enterprises Micro enterprises Loan upto Rs.50000/Loan above Rs.50000/toRs.2.00 Lac Loan above Rs.2.00 Lac toRs.10.00 Lac Rs.10.00 Lac & above (Linked to Rating of the account) BR BR+1.00% BR+1.50% AB-1 AB-2 AB-3 AB-4 AB-5 : : : : : BR+1.50% BR+1.50% BR+2.50% BR+3.50% BR+5.00% Small Enterprises BR+0.50% BR+1.50% BR+2.00% AB-1 AB-2 AB-3 AB-4 AB-5 : : : : : BR+2.00% BR+2.50% BR+3.00% BR+3.50% BR+5.50% BR+5.50% BR+5.00% BR+4.50% Rate of Interest

3. For borrowers other than mentioned above: 1. Up to and inclusive Rs.10.00 Lacs - BR+4.00% 2. Above Rs.10.00Lacs (Linked to Rating of the account): AB-1 AB-2 AB-3 AB-4 AB-5 5. 6. All Bank Mobike: Car Loan: (i) In case of Salary BR+0.50% tie-up & Full Collateral security, Doctors/Medical Practitioners (ii) In case of BR+0.50% BR+3.50% BR+3.50% BR+4.00% BR+5.00% BR+6.50% BR+3.00%

Others 7. Saral Loans: BR+5.00% 0.50% rebate in interest rate is allowed if liquid collateral security (FDR / NSC / LIP / KVP) or Equitable Mortgage of Land / Building for the amount equal to the loan amount is offered. Additional 0.50% interest rebate may be allowed as under: (a) Small organisations, where number of permanent employees is upto 50: - All employees should draw salary through their respective salary accounts (i.e. accounts of individual employees) maintained with our branches. (b) Big organisations where number of permanent employees is more than 50: - In such cases at least 50 employees should draw salary through their respective salary accounts (i.e. accounts of individual employees) maintained with our branches. BR+5.00%

8. 9.

Personal Loan to Doctors: Education Loan: (i) For IIT/ IIM/ ISB (loan upto 10.00 Lacs) (ii) For Others (a) Loan upto 4.00 Lacs (b) Loan aboveRs.4.00 Lacs

BR+2.25% BR+3.00% BR+3.00%

@ For girl students, rebate @1% will be allowed under each slab. Rebate of 1.00% on the interest charged in the moratorium period will be provided if the interest is serviced during the study period when repayment holiday is specified for interest / repayment under the scheme. 10. Housing Loan for Furnishing: 11. Gyan Dipika 12. Pensioners Personal Loan 13. Loan against NSC/ KVP BR+3.00% BR+4.00% BR+3.00% (No processing Fee will be charged for this scheme) BR+4.00%

14. Gold loan: Loan for Agricultural Rate prescribed by the bank for agriculture loan. At purpose present as under 1. Up to Rs.50000.00 BR 2 Above Rs.50000.00 & up to Rs.2.00 Lac BR+1.00% 3 Above Rs.2.00 Lacs & up to Rs.5.00 Lac BR+2.00% Loan for other 1. Up to Rs.3.00 Lac BR+2.25%

purposes If interest is serviced monthly

2 Above Rs.3.00 Lac BR+4.00% BR+3.00%

15. Short term loan for application money:

If interest for 6 BR+2.50% months is paid upfront & as margin Interest equivalent of 3 months is paid 16. Reverse mortgage: BR+2.00%

17. Housing Loan/Housing Loan to NRI/PIO Floating Category Up to Rs.20 Lac Up to 5 years More than 5 Yrs & up to 10 Yrs More than 10 Yrs & up to 15 Yrs BR+0.25% BR+0.75% BR+1.00%

More than 15 Yrs to BR+1.25% 25 Yrs Floating Category above Rs. 20.00 Lacs but below 50.00 Lacs Up to 5 years More than 5 Yrs & up to 10 Yrs More than 10 Yrs & up to 15 Yrs BR+1.00% BR+1.50% BR+1.75%

More than 15 Yrs to BR+2.00% 25 Yrs Floating Category for loans Rs. 50.00 Lacs and above Up to 5 years More than 5 Yrs & up to 10 Yrs More than 10 Yrs & up to 15 Yrs BR+1.50% BR+2.00% BR+2.25%

More than 15 Yrs to BR+2.50% 25 Yrs 19 Loan amount ALLBANK COMMERCIAL VEHICLE FINANCE Loans up toRs. 50000/Micro Enterprises BR Small Enterprises BR+0.50%

Above Rs.50000/BR+1.00% to Rs.2.00 Lacs Above Rs. 2.00 BR+1.50% to Rs. 10.00 Lacs Rs. 10.00 Lacs & above (Linked to Rating of the account) NA (As the maximum project cost for classification under this sector is Rs. 10.00 Lacs)

BR+1.50% BR+2.00% AB-1: AB-2: AB-3: AB-4: AB-5: AB-6: AB-7: BR+2.00% BR+2.50% BR+3.00% BR+3.50% BR+5.50% BR+6.50% BR+7.50%

20 21

AllBank IPO/ FPO BR+3.50% Finance Scheme ALLBANK AASHIANA (New Home Loan Scheme) Up to Rs. 25 Lac BR Above Rs. 25 Lac and up to Rs. 75 Lac BR + 0.25% Above Rs. 75 Lac and up to Rs. 200 Lac BR+0.50%