NAINI UDYOG PRASAR 
Up to Rs 50,000/ 
Base Rate 
MCLR +0.45% 
MCLR +0.15% 
at MCLR 
Above Rs 50,000/ to Rs 2.00 lac 
Base Rate + 0.50% 
MCLR +0.95% 
MCLR +0.65% 
MCLR +0.50% 
Above Rs 2.00 lac to Rs 10.00 lac 
Base Rate + 0.75% 
MCLR +1.20% 
MCLR +0.90% 
MCLR +0.75% 
Above Rs 10.00 lac to less than Rs 25.00 lac 
Base Rate + 1.25% 
MCLR +1.70% 
MCLR +1.40% 
MCLR +1.25% p.a. 
Above Rs 25.00 lac and up to Rs. 100.00 Lacs 
Base Rate +1.75% at present for first 12 months and thereafter as per credit rating 
MCLR +2.20% at present for first 12 months and thereafter as per credit rating 
MCLR +1.90% i.10.80% at present for first 12 months and thereafter as per credit rating 
MCLR +1.75% at present for first 12 months and thereafter as per credit rating 
FINANCING AGAINST IMMOVABLE PROPERTY 
5.00% over base rate 
5.45% over MCLR 
5.15% over MCLR 
5.00% over MCLR 
NAINI HEALTH CARE 
Term loan Up to 100 lac 
1.25% over base rate 
1.70% over MCLR 
1.40% over MCLR 
1.25% over MCLR 
Term loan above 100 lac 
1.75% over base rate 
2.20% over MCLR 
1.90% over MCLR 
1.75% over MCLR 
Overdraft 
1.75% over base rate 
2.20% over MCLR 
1.90% over MCLR 
1.75% over MCLR 
NAINI SHIKSHA PRASAR 
For Demand Loan/Term loan 
4.00% over base rate 
4.45% over MCLR 
4.15% over MCLR 
4.00% over MCLR 
For Overdrafts 
5.00% over base rate 
5.45% over MCLR 
5.15% over MCLR 
5.00% over MCLR 
NAINI NIRMAN 
CC(H) 
4.00% over base rate 
4.45% over MCLR 
4.15% over MCLR 
4.00% over MCLR 
Term loan 
4.00% over base rate 
4.45% over MCLR 
4.15% over MCLR 
4.00% over MCLR 
SCHEME FOR FINANCING AGAINST FURTURE RENT RECEIVABLES
(Under Commercial Real Estate) 
4.00% over base rate 
4.45% over MCLR 
4.15% over MCLR 
4.00% over MCLR 
SCHEME FOR GRANTING LOANS AGAINST FUTURE RENT RECEIVABLE
(Under Non Commercial Real Estate) 
4.00% over base rate 
4.45% over MCLR 
4.15% over MCLR 
4.00% over MCLR 
SCHEME FOR FINANCING TO HOTELIERS FOR THE REPAIR/RENOVATION/ UP KEEPING OFHOTELS/LODGES/RESTAURANTS 
For Term loan 
2.00% over base rate 
2.45% over MCLR 
2.15% over MCLR 
2.00% over MCLR 
For Overdrafts 
2.00% over base rate 
2.45% over MCLR 
2.15% over MCLR 
2.00% over MCLR 
OVERDRAFT IN SAVINGS BANK ACCOUNTS 
4.00% over base rate 
4.45% over MCLR 
4.15% over MCLR 
4.00% over MCLR 
NAINI GOLD LOAN 
3.00% over base rate 
3.45% over MCLR 
3.15% over MCLR 
3.00% over MCLR 
SCHEME FOR FINANCING TO COMMISSION AGENTS AGAINST IMMOVABLE PROPERTY 
3.00% over base rate

3.45% over MCLR 
3.15% over MCLR 
3.00% over MCLR 
NAINI UDYOG SUVIDHA 
2.00% over base rate 
2.45% over MCLR 
2.15% over MCLR 
2.00% over MCLR 
Advances against Govt. Securities, Postal Securities, i.e. NSCs/KVPs, LIC Policy 
3.00% over base rate
(for advances against NSCs and KVPs to staff 1.00% over the deposit rate)

3.45% over MCLR 
3.15% over MCLR 
3.00% over MCLR 
for advances against NSCs and KVPs to staff 1.00% over the deposit rate

a. Term Deposit standing in the name of the borrower singly or jointly with others, in the name of the proprietor/partners of the borrowing firm, in the name of the ward whose guardian is competent to borrow on behalf of the ward and where the advance is made to the guardian of the ward in such capacity. 
1.00% above the deposit rate.
(Base rate is not applicable) 
1.00% above the deposit rate.
(MCLR is not applicable) 
1.00% above the deposit rate.
(MCLR is not applicable) 
1.00% above the deposit rate.
(MCLR is not applicable) 
b. Advances against third party term deposit 
3.50% above deposit rate, subject to minimum 4.00% over base rate 
3.50% above deposit rate, subject to minimum 4.65% over MCLR 
3.50% above deposit rate, subject to minimum 4.35% over MCLR 
3.50% above deposit rate, subject to minimum 4.00% over MCLR 
c. Advances against term deposit to staff/retired staff/spouse of staff 
1.00% above the deposit rate.
(Base rate is not applicable) 
1.00% above the deposit rate.
(MCLR is not applicable) 
1.00% above the deposit rate.
(MCLR is not applicable) 
1.00% above the deposit rate.
(MCLR is not applicable) 