Home > Interest Rate > INTEREST RATE STRUCTURE FOR LOANS/ADVANCES
INTEREST RATE STRUCTURE FOR LOANS/ADVANCES
RETAIL :

INTEREST RATE  - RETAIL   ADVANCES - BASED UPON EXTERNAL BENCH MARK "REPO RATE" W.E.F. 10/07/2020 to 09/08/2020  
Repo Rate
4.00
 MCLR1Y
Naini Repo Linked Lending Rate "NRLLR"
7.00
 7.35
  Spread over NRLLR (In %) Applicable Rate of Interest (In %) Spread over NRLLR (In %) Applicable Rate of Interest (In %)  
  For Cash Credit/Overdraft For Term Loan  
NAINI UDYOG PRASAR (UPTO RS.1.00 CRORE) for first year  
Up to Rs 50,000/- 0.45 7.45 0.70 7.70  
Above Rs 50,000/-  to Rs 2.00 lakh 0.95 7.95 1.20 8.20  
Above Rs 2.00 lakh to Rs 10.00 lakh 1.20 8.20 1.45 8.45  
Above Rs 10.00 lakh up to Rs 25.00 lakh 1.70 8.70 1.95 8.95  
Above Rs 25.00 lakh and up to Rs. 100.00 lakhs 2.20 9.20 2.45 9.45  
( Naini Udyog Prasar) based on credit rating from second year onwards Up to Rs.1.00 Crore   
Cr. Rate          
A++ 1.50 8.50 1.75 8.75  
A+  
A 2.00 9.00 2.25 9.25  
B++ 2.50 9.50 2.75 9.75  
B+ 3.50 10.50 3.75 10.75  
B 3.50 10.50 3.75 10.75  
C 4.50 11.50 4.75 11.75  
   
EDUCATION LOAN GYANI  
For Male Students          
Up to 7.50 Lakh Not Applicable Not Applicable 2.00 9.00  
Above 7.50 Lakh Not Applicable Not Applicable 1.75 8.75  
For Female Students          
Up to 7.50 Lakh Not Applicable Not Applicable 1.50 8.50  
Above 7.50 Lakh Not Applicable Not Applicable 1.25 8.25  
   
APNA AASHIANA  - HOME LOAN  
CIBIL Score           
760 and above Not Applicable Not Applicable 0.00 7.00  
700-759 Not Applicable Not Applicable 0.25 7.25  
650-699 Not Applicable Not Applicable 0.60 7.60  
-1 or 3 to 5 Not Applicable Not Applicable 0.25 7.25  
Note-: An additional ROI of 0.05% p.a. will be charged for the borrower/s who do not provide credit insurance cover for the loan for entire tenure of the loan  
   
NAINI HOME IMPROVEMENT  
If Credit  Insurance Taken IN Housing Loan Not Applicable Not Applicable 1.00 8.00  
If Credit  Insurance not Taken IN Housing Loan Not Applicable Not Applicable 1.05 8.05  
   
HOUSING LOAN TOP UP  
If Credit  Insurance Taken IN Housing Loan Not Applicable Not Applicable 1.50 8.50  
If Credit  Insurance not Taken IN Housing Loan Not Applicable Not Applicable 1.55 8.55  
   
SUHANA SAFAR CAR LOAN  
For individual New Car          
Cibil TransUnion Score          
Above 800 Not Applicable Not Applicable 0.40 7.40  
750-800 Not Applicable Not Applicable 0.65 7.65  
700-749,-1 or Higher than 3 Not Applicable Not Applicable 0.75 7.75  
Below 700 or Less than Three Not Applicable Not Applicable 1.50 8.50  
For Corporate Borrower  Not Applicable Not Applicable 0.75 7.75  
For Two Wheeler Not linked to CIBIL Scores Not Applicable Not Applicable 2.50 9.50  
For old Car Not linked to CIBIL Scores Not Applicable Not Applicable 1.50 8.50  
For Staff and Ex Staff Not linked to CIBIL Scores Only for four wheeler Not Applicable Not Applicable 0.40 7.40  
   
FINANCING AGAINST IMMOVABLE PROPERTY (LAP)  
For Individual Borrower  
CIBIL Score 700 or Above 2.75 9.75 2.75 9.75  
CIBIL Score below 700,1-5 or -1 3.00 10.00 3.00 10.00  
For Non Individual Borrower 3.00 10.00 3.00 10.00  
           
NAINI SAHYOG PERSONAL LOAN  
Cibil Score   
700 and Above,-1 and above 3 3.00 10.00 3.00 10.00  
Below 700, less than 3 3.50 10.50 3.50 10.50  
   
VYAPAR SUVIDHA  
Margin on immovable property Less than 50% 2.45 9.45 2.70 9.70  
Margin on immovable property 50% or more 1.95 8.95 2.20 9.20  
Margin on CRM security 20% or more 1.95 8.95 2.20 9.20  
Margin on immovable property 50% or more along with margin on CRM 20% or more 1.95 8.95 2.20 9.20  
   
NAINI HEALTH CARE (DOCTORS SCHEME)  
Term loan Up to 100 lakh Not Applicable Not Applicable 1.95 8.95  
Term loan above 100 lakh Not Applicable Not Applicable 2.45 9.45  
Overdraft 2.20 9.20 Not Applicable Not Applicable  
   
NAINI SHIKSHA PRASAR (EDUCATIONAL INSTITUTE) 3.85 10.85 4.35 11.35  
   
FURTURE RENT RECEIVABLES (FRR)  
(Under Commercial Real Estate) Not Applicable Not Applicable 3.00 10.00  
(Under Non Commercial Real Estate) Not Applicable Not Applicable 3.00 10.00  
           
SCHEME FOR FINANCING TO HOTELIERS FOR THE REPAIR/RENOVATION/ UP KEEPING OF HOTELS/LODGES/RESTAURANTS  2.45 9.45 2.70 9.70  
   
NAINI UDYOG SUVIDHA 2.45 9.45 2.70 9.70  
   
General Advnaces Unrated   
Up to Rs.50000.00 1.95 9.30 2.20 9.55  
Above Rs.50000.00 and up to Rs.2.00lakh 2.95 10.30 3.20 10.55  
Above Rs.2.00lakh 3.45 10.80 3.70 11.05  
   
Transport Operators   
a) Mortgage Immovable property Value 100% or More
b) CRM security Value 50% or More
c) Credit facility is covered under CGTMSE		 Not Applicable Not Applicable 1.95 8.95  
d)IN All other Cases Not Applicable Not Applicable 2.45 9.45  
           
Trading Advances –other than Vyapar Suvidha  
Up to   Rs.10.00lakh 2.70 10.85 3.30 10.30  
Above Rs.10.00Iac 2.95 11.10 3.80 10.80  
   
NAINI GOLD LOAN Spread over NRLLR (In %) Applicable Rate of Interest (In %) Spread over NRLLR (In %) Applicable Rate of Interest (In %)  
2.65 9.65 2.65 9.65  
   
SCHEME FOR FINANCING TO REGISTERED GOVT. CONTRACTORS
CORPORATE BORROWERS
Collateral Security Coverage
CMR
1 to 3
4 & 5
6
7 & Below
Unrated
More than 150% MCLR 1Y +0.80 MCLR 1Y +1.05 MCLR 1Y + 1.30 MCLR1Y + 1.55 MCLR1Y + 1.55
100 to 150% MCLR 1Y +1.05 MCLR 1Y + 1.30 MCLR1Y + 1.55 MCLR1Y + 1.80 MCLR1Y + 1.80
60 to 99% MCLR 1Y + 1.30 MCLR1Y + 1.55 MCLR1Y + 1.80 MCLR1Y + 2.05 MCLR1Y + 2.05
INDIVIDUAL BORROWER
Collateral Security Coverage
CIBIL Score
Above 800 751-800 700-750 650-699 or above 3 Less than 650, -1 or less than 3
More than 150% MCLR 1Y +0.80 MCLR 1Y +1.05 MCLR 1Y + 1.30 MCLR1Y + 1.55 MCLR1Y + 1.55
100 to 150% MCLR 1Y +1.05 MCLR 1Y + 1.30 MCLR1Y + 1.55 MCLR1Y + 1.80 MCLR1Y + 1.80
60 to 99% MCLR 1Y + 1.30 MCLR1Y + 1.55 MCLR1Y + 1.80 MCLR1Y + 2.05 MCLR1Y + 2.05
   
Temporary Overdrafts  to MSME 7.95 15.30 8.20 15.55  
Penal interest @ 2% should  be   levied  if  the  TOD  remains  outstanding  beyond 15 days     
   
Bills Discounting facility against letter of Credit of our Bank/Other Bank sanctioined to MSME  
1-Bills drawn under L/C of our Bank -    
a. Having contractual maturity up to 180 days 0.95 8.30 1.20 8.55  
b. Having contractual maturity more than  180 days but up to 1 year 1.20 8.55 1.45 8.80  
a. Having contractual maturity up to 180 days 0.95 8.30 1.20 8.55  
B. Having contractual maturity more than 180 days but up to 1 year 1.20 8.55 1.45 8.80  
Remarks: The negotiation charges shall be recovered additionally as hitherto.  
   
ADVANCES AGAINST DESPOSITS  
Advances against Govt.  Securities, Postal Securities, i.e. NSCs/KVPs, LIC Policy  3.45 10.45 3.70 10.70  
   
Interest rate structure applicable to Trading advances other than Vyapar Suvidha based on credit rating is as under:  
Cr. Rate  
A++
2.95
10.30
3.80
11.15
  
A+  
A
3.45
10.80
4.30
11.65
  
B++  
B+
3.95
11.30
4.80
12.15
  
B  
C
4.45
11.80
5.30
12.65
  

 

 

MSME-NRLLR :

 
RATE OF INTEREST STRUCTURE FOR MSME
NRLLR AT PRESENT @7.00%
   NRLLR 7.00    
For limits below Rs.20.00Lakh   Average Rate 10.02    
Limits  
Micro
        
    Spread for CC/OD Spread For Term Loan SP applicable rate for CC/OD  Applicable rate for term loan      
Up to Rs. 50000/-  
0.75
1.15
0.25
8.00
8.40
      
Above Rs. 50000/-to 20.00 Lakh  
1.25
1.65
0.25
8.50
8.90
      
                                   
 
Limits above Rs.20.00Lakh.
  
    Micro Small Medium  
Eligible Collateral Security Coverage (i.e. Based on Realizable Value) CIBIL CMR Ranking/Consumer CIBIL Score Spread for CC/OD Spread For Term Loan SP applicable rate for CC/OD  Applicable rate for term loan Spread for CC/OD Spread For Term Loan SP applicable rate for CC/OD  Applicable rate for term loan Spread for CC/OD Spread For Term Loan SP applicable rate for CC/OD  Applicable rate for term loan Average Rates
A. 80% and above CMR1/ (850 & Above, 4 to 5)
1.40
1.80
0.00
8.40
8.80
1.65
2.05
0.00
8.65
9.05
2.10
2.50
0.00
9.10
9.50
  
CMR 2-3/ (800-849)
1.50
1.90
0.25
8.75
9.15
1.85
2.25
0.25
9.10
9.50
2.40
2.80
0.25
9.65
10.05
  
CMR4/ (750-799)
1.55
1.95
0.25
8.80
9.20
1.95
2.35
0.25
9.20
9.60
2.55
2.95
0.25
9.80
10.20
  
CMR5/ (700-749)
1.80
2.20
0.25
9.05
9.45
2.20
2.60
0.25
9.45
9.85
3.05
3.45
0.25
10.30
10.70
  
CMR6/ (650-699)
2.05
2.45
0.25
9.30
9.70
2.45
2.85
0.25
9.70
10.10
3.55
3.95
0.25
10.80
11.20
  
CMR 7 &  (600-649, 1 to 3)
3.05
3.45
0.25
10.30
10.70
3.95
4.35
0.25
11.20
11.60
4.55
4.95
0.25
11.80
12.20
  
Unrated/ (-1)
2.05
2.45
0.25
9.30
9.70
2.45
2.85
0.25
9.70
10.10
3.55
3.95
0.25
10.80
11.20
  
In case of Individual Customer, CIBIL Score will be considered & In case of Joint Borrowers, Average of their CIBIL score (-1 Score will be excluded) will be considered.  
B. 60% to less than 80% CMR1/ (850 & Above, 4 to 5)
1.55
1.95
0.00
8.55
8.95
1.80
2.20
0.00
8.80
9.20
2.25
2.65
0.00
9.25
9.65
  
CMR 2-3/ (800-849)
1.65
2.05
0.25
8.90
9.30
2.00
2.40
0.25
9.25
9.65
2.55
2.95
0.25
9.80
10.20
  
CMR4/ (750-799)
1.70
2.10
0.25
8.95
9.35
2.10
2.50
0.25
9.35
9.75
2.70
3.10
0.25
9.95
10.35
  
CMR5/ (700-749)
1.95
2.35
0.25
9.20
9.60
2.35
2.75
0.25
9.60
10.00
3.20
3.60
0.25
10.45
10.85
  
CMR6/ (650-699)
2.20
2.60
0.25
9.45
9.85
2.60
3.00
0.25
9.85
10.25
3.70
4.10
0.25
10.95
11.35
  
CMR 7 & (600-649, 1 to 3)
3.20
3.60
0.25
10.45
10.85
4.10
4.50
0.25
11.35
11.75
4.70
5.10
0.25
11.95
12.35
  
Unrated/ (-1)
2.20
2.60
0.25
9.45
9.85
2.60
3.00
0.25
9.85
10.25
3.70
4.10
0.25
10.95
11.35
  
B. 40% to less than 60% CMR1/ (850 & Above, 4 to 5)
1.70
2.10
0.00
8.70
9.10
1.95
2.35
0.00
8.95
9.35
2.40
2.80
0.00
9.40
9.80
  
CMR 2-3/ (800-849)
1.80
2.20
0.25
9.05
9.45
2.15
2.55
0.25
9.40
9.80
2.70
3.10
0.25
9.95
10.35
  
CMR4/ (750-799)
1.85
2.25
0.25
9.10
9.50
2.25
2.65
0.25
9.50
9.90
2.85
3.25
0.25
10.10
10.50
  
CMR5/ (700-749)
2.10
2.50
0.25
9.35
9.75
2.50
2.90
0.25
9.75
10.15
3.35
3.75
0.25
10.60
11.00
  
CMR6/ (650-699)
2.35
2.75
0.25
9.60
10.00
2.75
3.15
0.25
10.00
10.40
3.85
4.25
0.25
11.10
11.50
  
CMR 7 & (600-649, 1 to 3)
3.35
3.75
0.25
10.60
11.00
4.25
4.65
0.25
11.50
11.90
4.85
5.25
0.25
12.10
12.50
  
Unrated/ (-1)
2.35
2.75
0.25
9.60
10.00
2.75
3.15
0.25
10.00
10.40
3.85
4.25
0.25
11.10
11.50
  
Note-: In case of Fresh Customers & Existing Customers (i.e. Where Commercial CIBIL does not reveal CMR), the ROI will be charged as per Unrated Structure depending upon the Collateral Security Coverage. And from next year onwards i.e. at the time of review the ROI will be decided based on the CIBIL CMR Rating/Consumer CIBIL  Score & Collateral Security Coverage.    
Note-: Total Security Coverage (considering Immovable Properties primary +collatral) should not be less than 80% in any case i.e. for New Cases. For existing Customers where the Immovable security coverage is below 80% shall not be considered for fresh exposure.    
For the loan covered under CGTMSE above Rs.20.00 lakh and up to Rs.2.00 Crore, rates will be applicable for term loan as per 100% collatral security coverage and for working capital as per 70%  Collatral security coverage subject to their classification under Micro or Small as the case may be.    
CIBIL Rank below CMR 7 and Consumer CIBIL below 600 shall not be considered for fresh as well as enhancement.    
In case of Individual Customer, CIBIL Score will be considered & In case of Joint Borrowers, Average of their CIBIL score (-1 Score will be excluded) will be considered.    

 

 

MSME-MCLR :

 
RATE OF INTEREST STRUCTURE FOR MSME BASED ON MCLR
MCLR AT PRESENT @7.35%
  
MCLR
 7.35    
For limits below Rs.20.00Lakh  
Average Rate
 10.37    
Limits  
Micro
        
    Spread for CC/OD Spread For Term Loan SP applicable rate for CC/OD  Applicable rate for term loan      
Up to Rs. 50000/-  
0.75
1.15
0.25
8.35
8.75
      
Above Rs. 50000/-to 20.00 Lakh  
1.25
1.65
0.25
8.85
9.25
      
                                   
 
Limits above Rs.20.00Lakh.
  
   
Micro
Small
Medium
  
Eligible Collateral Security Coverage (i.e. Based on Realizable Value) CIBIL CMR Ranking/Consumer CIBIL Score Spread for CC/OD Spread For Term Loan SP applicable rate for CC/OD  Applicable rate for term loan Spread for CC/OD Spread For Term Loan SP applicable rate for CC/OD  Applicable rate for term loan Spread for CC/OD Spread For Term Loan SP applicable rate for CC/OD  Applicable rate for term loan Average Rates
A. 80% and above CMR1/ (850 & Above, 4 to 5)
1.40
1.80
0.00
8.75
9.15
1.65
2.05
0.00
9.00
9.40
2.10
2.50
0.00
9.45
9.85
  
CMR 2-3/ (800-849)
1.50
1.90
0.25
9.10
9.50
1.85
2.25
0.25
9.45
9.85
2.40
2.80
0.25
10.00
10.40
  
CMR4/ (750-799)
1.55
1.95
0.25
9.15
9.55
1.95
2.35
0.25
9.55
9.95
2.55
2.95
0.25
10.15
10.55
  
CMR5/ (700-749)
1.80
2.20
0.25
9.40
9.80
2.20
2.60
0.25
9.80
10.20
3.05
3.45
0.25
10.65
11.05
  
CMR6/ (650-699)
2.05
2.45
0.25
9.65
10.05
2.45
2.85
0.25
10.05
10.45
3.55
3.95
0.25
11.15
11.55
  
CMR 7 &  (600-649, 1 to 3)
3.05
3.45
0.25
10.65
11.05
3.95
4.35
0.25
11.55
11.95
4.55
4.95
0.25
12.15
12.55
  
Unrated/ (-1)
2.05
2.45
0.25
9.65
10.05
2.45
2.85
0.25
10.05
10.45
3.55
3.95
0.25
11.15
11.55
  
In case of Individual Customer, CIBIL Score will be considered & In case of Joint Borrowers, Average of their CIBIL score (-1 Score will be excluded) will be considered.
B. 60% to less than 80% CMR1/ (850 & Above, 4 to 5)
1.55
1.95
0.00
8.90
9.30
1.80
2.20
0.00
9.15
9.55
2.25
2.65
0.00
9.60
10.00
  
CMR 2-3/ (800-849)
1.65
2.05
0.25
9.25
9.65
2.00
2.40
0.25
9.60
10.00
2.55
2.95
0.25
10.15
10.55
  
CMR4/ (750-799)
1.70
2.10
0.25
9.30
9.70
2.10
2.50
0.25
9.70
10.10
2.70
3.10
0.25
10.30
10.70
  
CMR5/ (700-749)
1.95
2.35
0.25
9.55
9.95
2.35
2.75
0.25
9.95
10.35
3.20
3.60
0.25
10.80
11.20
  
CMR6/ (650-699)
2.20
2.60
0.25
9.80
10.20
2.60
3.00
0.25
10.20
10.60
3.70
4.10
0.25
11.30
11.70
  
CMR 7 & (600-649, 1 to 3)
3.20
3.60
0.25
10.80
11.20
4.10
4.50
0.25
11.70
12.10
4.70
5.10
0.25
12.30
12.70
  
Unrated/ (-1)
2.20
2.60
0.25
9.80
10.20
2.60
3.00
0.25
10.20
10.60
3.70
4.10
0.25
11.30
11.70
  
B. 40% to less than 60% CMR1/ (850 & Above, 4 to 5)
1.70
2.10
0.00
9.05
9.45
1.95
2.35
0.00
9.30
9.70
2.40
2.80
0.00
9.75
10.15
  
CMR 2-3/ (800-849)
1.80
2.20
0.25
9.40
9.80
2.15
2.55
0.25
9.75
10.15
2.70
3.10
0.25
10.30
10.70
  
CMR4/ (750-799)
1.85
2.25
0.25
9.45
9.85
2.25
2.65
0.25
9.85
10.25
2.85
3.25
0.25
10.45
10.85
  
CMR5/ (700-749)
2.10
2.50
0.25
9.70
10.10
2.50
2.90
0.25
10.10
10.50
3.35
3.75
0.25
10.95
11.35
  
CMR6/ (650-699)
2.35
2.75
0.25
9.95
10.35
2.75
3.15
0.25
10.35
10.75
3.85
4.25
0.25
11.45
11.85
  
CMR 7 & (600-649, 1 to 3)
3.35
3.75
0.25
10.95
11.35
4.25
4.65
0.25
11.85
12.25
4.85
5.25
0.25
12.45
12.85
  
Unrated/ (-1)
2.35
2.75
0.25
9.95
10.35
2.75
3.15
0.25
10.35
10.75
3.85
4.25
0.25
11.45
11.85
  
Note-: In case of Fresh Customers & Existing Customers (i.e. Where Commercial CIBIL does not reveal CMR), the ROI will be charged as per Unrated Structure depending upon the Collateral Security Coverage. And from next year onwards i.e. at the time of review the ROI will be decided based on the CIBIL CMR Rating/Consumer CIBIL  Score & Collateral Security Coverage.    
     
For the loan covered under CGTMSE above Rs.20.00 lakh and up to Rs.2.00 Crore, rates will be applicable for term loan as per 100% collatral security coverage and for working capital as per 70%  Collatral security coverage subject to their classification under Micro or Small as the case may be.    
CIBIL Rank below CMR 7 and Consumer CIBIL below 600 shall not be considered for fresh as well as enhancement.    
In case of Individual Customer, CIBIL Score will be considered & In case of Joint Borrowers, Average of their CIBIL score (-1 Score will be excluded) will be considered.    

 

 

Rice Millers :

ROI FOR RICE MILLERS
CMR 
CMR
CMR
CMR
 Unrated
Collateral Security Coverage on 
1 to 3
4 to 6
7 to 10
   
For CC
For TL
For CC
For TL
For CC
For TL
RV Spread SP Applicable ROI Tenor Premium Applicable ROI Spread SP Applicable ROI Tenor Premium Applicable ROI Spread SP Applicable ROI Tenor Premium Applicable ROI
Above & inclusive of 100%
0.30
0.25
0.55
0.25
0.80
0.45
0.25
0.70
0.25
0.95
0.75
0.25
1.00
0.25
1.25
 *As stated underneath
Above 75 up to 99%
0.35
0.25
0.60
0.25
0.85
0.7
0.25
0.95
0.25
1.20
1
0.25
1.25
0.25
1.50
Above & inclusive of 50% up to 75%
0.45
0.25
0.70
0.25
0.95
0.95
0.25
1.20
0.25
1.45
1.5
0.25
1.75
0.25
2.00
   
*The above pricing is now delinked with the internal credit rating of the account however credit rating of the borrower’s account shall be carried out by the bank as usual. Further the purpose of rating is to ensure that no new account shall be financed if its rating is below B rating and no additional exposure shall be taken in such accounts AND/OR accounts with CMR rating as 7 & above. Further no fresh proposal or additional exposure in case of existing exposures shall be entertained/ considered where the collateral security coverage is less than 60%. 

 

 

Seed Miller :

 
ROI FOR SEED MILLERS
CMR 
CMR
CMR
CMR
 Unrated
Collateral Security Coverage on 
1 to 3
4 to 6
7 to 10
   
For CC
For TL
For CC
For TL
For CC
For TL
RV Spread SP Applicable ROI Tenor Premium Applicable ROI Spread SP Applicable ROI Tenor Premium Applicable ROI Spread SP Applicable ROI Tenor Premium Applicable ROI
Above & inclusive of 100%
0.30
0.25
0.55
0.25
0.80
0.45
0.25
0.70
0.25
0.95
0.75
0.25
1.00
0.25
1.25
 *As stated underneath
Above 75 up to 99%
0.35
0.25
0.60
0.25
0.85
0.70
0.25
0.95
0.25
1.20
1.00
0.25
1.25
0.25
1.50
Above & inclusive of 50% up to 75%
0.45
0.25
0.70
0.25
0.95
0.95
0.25
1.20
0.25
1.45
1.50
0.25
1.75
0.25
2.00
   
*The above pricing is now delinked with the internal credit rating of the account however credit rating of the borrower’s account shall be carried out by the bank as usual. Further the purpose of rating is to ensure that no new account shall be financed if its rating is below B rating and no additional exposure shall be taken in such accounts AND/OR accounts with CMR rating as 7 & above. Further no fresh proposal or additional exposure in case of existing exposures shall be entertained/ considered where the collateral security coverage is less than 60%. 

 

 

Corporate & Real Estate :

Corporate Customers
 
ROI 
MCLR
7.35
Based on Rating
For CC/OD
For TL
Spread
Appplicable ROI
Spread
Appplicable ROI
A++
2.50
9.85
2.50
9.85
A+
2.65
10.00
2.65
10.00
A
2.90
10.25
2.90
10.25
B++
3.25
10.60
3.25
10.60
B+
3.75
11.10
3.75
11.10
B
4.50
11.85
4.50
11.85
C
5.50
12.85
5.50
12.85
Note-: For Commercial Warehouses  above rate of interest shall be applicable.
For Commercial Rela Estate 
For OD
For TL
Spread
Appplicable ROI
Spread
Appplicable ROI
4.00 11.35 4.40 11.75
Note-: The pricing is fixed, however, Credit Rating shall be caried out on the prescribed format for all real estate proposals.
 
Note-:The fresh accounts including takeover of account will be treated under ‘A’ category for the purpose of pricing for a period of one year in case the rating of the account is ‘A’ ‘A+’ or ‘A++’. If the rating of account is B++ or below the account will be priced as per the actual rating of the account.