|
Regular/Term Loan |
Regular/Term Loan (NO PF/FC) |
Overdraft |
| Parameters |
Agri |
Non-Agri |
Agri (SO_LNAPG) |
Non-agri
(SO_LRGMI) |
Agri
|
|
(PGLOD) |
|
LTV |
75% |
75% |
75% |
75% |
75% |
|
ROI (MCLR rate + spread) |
9.15%+7.85% = 17%
|
9.15%+7.85%=17% |
9.15%+9.85% =19% |
9.15%+9.85%=19% |
9.15%+7.85% = 17% |
|
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 |
NIL |
NIL |
2% for 0-6months |
| Nil for >6 months |
Nil for >6 months |
Nil for >6 months |
| Nil for Renewals |
Nil for Renewals |
Nil for Renewals |
|
|
|
|
|
Renewal Fee (PF) |
0.50% |
0.50% |
0.50% |
NIL |
NIL |
0.50% |
|
Valuation Fee |
Minimum - Rs.500
Maximum -
Rs.1500 |
| Penal
Interest |
6% p.a. |
| Part
Payment charges |
Nil |
| Stamp
Duty |
As per applicable state laws
|
Current prevailing rate:
| Fixed Rate Loan |
1
year MCLR |
Spread over 1 year MCLR |
Effective Interest Rate |
Reset |
|
Gold Loan |
9.15% |
7.85% |
17% |
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)
For further details, please click
here
