| Regular/Term Loan | Regular/Term Loan (NO PF/FC) | Overdraft |
| Parameters | Agri | Non-Agri | Agri (SO_LNAPG) | Non-Agri | Agri |
| (SO_LRGMI) | (PGLOD) |
| LTV | 75% | 75% | 75% | 75% | 75% |
| ROI (MCLR rate + spread) | 7.35%+6.15% = 13.50% | 7.35%+7.15%=14.50% | 7.35%+9.15%=16.50% | 7.35%+9.60%=16.95% | 7.35%+6.15% = 13.50% |
| Processing Fee (Fresh) | 0.50% | 0.50% | NIL | NIL | 0.50% |
| Minimum limit | Rs.25,001/- |
| Maximum limit | Rs.25,00,000/- |
| Accounts limit | 5 Accounts per Cust ID |
| Foreclosure Fee- | 2% for 0-6months | 2% for 0-6months | 2% for 0-6months | NIL | NIL | 2% for 0-6months |
| Nil for >6 months | Nil for >6 months | Nil for >6 months | Nil for >6 months |
| Nil for Renewals | Nil for Renewals | Nil for Renewals | Nil for Renewals |
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| Renewal Fee (PF) | 0.50% | 0.50% | 0.50% | NIL | NIL | 0.50% |
| Valuation Fee | 0.25% or Rs 500/-(Whichever is lower) | Rs 500/- | Rs 500/- | 0.25% or Rs 500/-(Whichever is lower) | Rs 500/- | 0.25% or Rs 500/-(Whichever is lower) |
| Valuation Fee - Punjab Only | 0.40% or 1200/- (Whichever is lower) | Rs 500/- | Rs 500/- | 0.40% or 1200/- (Whichever is lower) | Rs 500/- | 0.40% or 1200/- (Whichever is lower) |
Current prevailing rate:
| Fixed Rate Loan | 1 year MCLR | Spread over 1 year MCLR | Effective Interest Rate | Reset |
| Agri | Non Agri | Agri | Non Agri |
| Gold Loan | 7.35% | 6.15% | 7.15% | 13.50% | 14.50% | No Reset |
Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable)
