Capital E-Saving Digital Accounts
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a. Overnight MCLR | 9.25% |
b. One Month MCLR | 9.35% |
c. Three Month MCLR | 9.45% |
d. Six Month MCLR | 9.65% |
e. One Year MCLR | 9.80% |
f. Above One Year MCLR | 9.80% |
Base Rate | 10.45% |
External Benchmark Rate (EBR) | Repo Rate 6.50% at Present |
Category | Loan Amount | Benchmark | Product Spread | Credit Risk Premium* | Remarks | Reset Clause |
---|---|---|---|---|---|---|
Housing Loans – Salaried Class | Upto Rs.25.00 Lac | EBR | 2.25 | 2.75 | Floating | Monthly |
Above Rs.25.00 Lac to Rs.75.00 Lac | EBR | 2.25 | 3.00 | Floating | Monthly |
|
Above Rs.75.00 Lac | EBR | 2.25 | 3.25 | Floating | Monthly |
|
Housing Loans – Non Salaried | Upto Rs.25.00 Lac | EBR | 2.25 | 2.85 | Floating | Monthly |
Above Rs.25.00 Lac to Rs.75.00 Lac | EBR | 2.25 | 3.10 | Floating | Monthly |
|
Above Rs.75.00 Lac | EBR | 2.25 | 3.35 | Floating | Monthly |
Effective Rate: EBR + Product Spread + Credit Risk Premium
Category | Benchmark | Product Spread | Credit Risk Premium* | Remarks |
---|---|---|---|---|
Working Capital Limits-Cash Credit | EBR | 2.75 | 3.00 | Floating |
ODT | EBR | 3.25 | 3.00 | Floating |
Term Loans | EBR | 3.25 | 3.00 | Floating |
Commercial Vehicle (bundled) | EBR | 3.00 | 3.00 | Floating |
Effective Rate: EBR + Product Spread + Credit Risk Spread Premium
*Credit Risk Premium may vary client to client.
Category | Size of Loan/ Limit | Benchmark | Spread | ROI Type* | Reset Clause |
---|---|---|---|---|---|
Working Capital Limits-Cash Credit | Up to Rs. 10.00 lac | MCLR | 2.65 | Fixed | Annual |
Above Rs. 10.00 lacs Up to 50.00 lac | MCLR | 2.35 | Fixed |
Annual |
|
Above Rs.50.00 lac | MCLR | 2.00 | Fixed |
Annual |
|
Commission Agent-Cash Credit | Up to Rs. 25.00 lac | MCLR | 1.25 | Fixed |
Annual |
Above Rs. 25.00 lac | MCLR | 1.75 | Fixed |
Annual |
|
ODT | MCLR | 3.00 | Fixed |
Annual |
|
Term Loans for Micro, Small and Medium Enterprises | MCLR | 3.00 | Fixed |
||
Term Loans for other Business Units (Large and other Enterprise) | MCLR | 3.50 | Fixed |
Ad hoc Limits | 1% Over and above the existing Rate | Fixed | |
TOD in CC/OD Limit | 1% Over and above the existing Rate | Fixed | |
TOD in Current Account | MCLR | 6.00 | Fixed |
KCC Limits | ||||
---|---|---|---|---|
Up to Rs.3.00 Lac | 7% | Fixed | ||
Above Rs.3.00 Lac Up to Rs.10.00 Lacs | MCLR | 2.90 | Floating |
As per MCLR Maturity |
Above Rs.10.00 lacs Up to Rs.25.00 lacs | MCLR | 3.40 | Floating |
As per MCLR Maturity |
Above Rs.25.00 lacs | MCLR | 3.75 | Floating |
As per MCLR Maturity |
Potato Growers | MCLR | 2.75 | Floating |
As per MCLR Maturity |
Term Loan | ||||
Up to Rs.2.00 lacs | MCLR | 3.00 | Floating | As per MCLR Maturity |
Above Rs.2.00 lac | MCLR | 4.00 | Floating | As per MCLR Maturity |
Two Wheeler | MCLR | 4.00 | Fixed |
Four Wheelers (Non- commercial) New | MCLR | 1.00 | Fixed |
Transport Vehicle(Commercial) | MCLR | 2.00 | Fixed |
Finance of Old/ pre- owned vehicles | MCLR | 3.00 | Fixed |
Personal Loan | MCLR | 5.00 | Fixed |
Consumer Loan | MCLR | 5.00 | Fixed |
Advances Against Immovable Property (For NCR Delhi and Tri-city Chandigarh) | MCLR | 3.00 | Fixed |
---|---|---|---|
Advances Against Immovable Property (For Other Branches) | MCLR | 4.00 | Fixed |
Advances to NBFC/MFI/HFC | MCLR | 4.50 | Fixed |
Advances to SHG | MCLR | 2.75 | Fixed |
GCC (For Business Purpose) | MCLR | 2.50 | Fixed |
For Personal Use | MCLR | 3.50 | Fixed |
Gold Loan | |||
For Personal Purpose | MCLR | 3.00 | Fixed |
MCLR | 2.50 | Fixed | |
Agricultural Purpose | MCLR | 2.50 | Fixed |
Advance Against Govt Securities NSC/KVP/LIC | |||
Demand Loan | MCLR | 1.25 | Fixed |
Limits | MCLR | 1.25 | Fixed |
Advances to landlord/lady for construction & repair of premises for bank use | MCLR | 1.00 | Fixed |
Advances against Future rentals | MCLR | 2.50 | Fixed |
DRI Advances | 4% | Fixed | |
Education Loans | MCLR | 3.00 | Fixed |
Advances Against Bank's own deposits | |||
Demand Loan/ OD Limit | Rate applicable on FDR | 2 | Fixed |
Third party Deposit | Rate applicable on FDR | 3 Not Below MCLR | Fixed |
Against NRE Deposits | Rate applicable on FDR | 2** | Fixed |
**If adjusted from Domestic proceeds- Interest shall be charged @FDR rate+2% but not less than MCLR.
Auto Loans
In case the account is adjusted before 1 year from the scheduled date of expiry or it is taken over by some other bank, premature charges will be levied @ 2%. Minimum Rs.500/-
Housing Loans (on floating rate): NIL
If Adjusted / Taken Over Within | Charges |
---|---|
1 Year of Account Opening | 5% |
2 Years of Account Opening | 4% |
3 Years of Account Opening | 3% |
After 3 Years but before 1 Year of Scheduled Date of Expiry | 2% |
Other Loans
In case the account is adjusted before 1 year from the scheduled date of expiry, premature charges will be levied @ 1%. In case the account is taken over by some other bank, premature charges will be levied @ 2%. Minimum Rs.500/- (Charges to be calculated on outstanding balance or Drawing Power, whichever is higher)
Category | Size of Loan/Limit | Benchmark | Benchmark Rate | Spread | ROI | Remarks |
---|---|---|---|---|---|---|
Working Capital Term Loans (Without ITR) | Up to Rs. 15.00 lacs | MCLR | 9.50 | 8.45 | 17.95 | Fixed |
Working Capital Term Loans (With ITR) | Up to Rs. 15.00 lacs | MCLR | 9.50 | 7.45 | 16.95 | Fixed |
LAP (Without ITR) | Up to Rs. 15.00 lacs | MCLR | 9.50 | 8.45 | 17.95 | Fixed |
LAP (With ITR) | Up to Rs. 15.00 lacs | MCLR | 9.50 | 7.45 | 16.95 | Fixed |
Category | Size of Loan/Limit | Benchmark | Benchmark Rate | Spread | Credit Risk Premium | ROI | Remarks |
---|---|---|---|---|---|---|---|
AHF | 25.00 | EBR | 6.50 | 3.25 | 7.00 | 16.75 | Floating |
Category | Size of Loan/Limit | Benchmark | Benchmark Rate | Spread | ROI | Remarks |
---|---|---|---|---|---|---|
BC Mortgage | 1.00 Lac to 15.00 lacs | MCLR | 9.50 | 18.50 | 28.00 | Fixed |
4 Wheeler | 1.00 Lac to 15.00 lacs | MCLR | 9.50 | 16.50 | 26.00 | Fixed |
2 Wheeler | Up to 2.00 Lacs | MCLR | 9.50 | 19.50 | 29.00 | Fixed |
Product Name | Weighted Avg ROI | Minimum ROI | Maximum ROI |
---|---|---|---|
CC-Kisan Credit Card | 12.54 | 7.00 | 13.45 |
LN-Agriculture Loan | 12.72 | 7.00 | 13.70 |
LN-Auto Loan | 9.84 | 9.70 | 13.70 |
LN-Consumer Loan | 12.73 | 11.70 | 14.70 |
LN-Gold Loan | 12.29 | 10.70 | 12.70 |
LN-Housing Loan | 10.03 | 9.00 | 11.85 |
LN-Personal Loan | 14.31 | 13.20 | 15.70 |
LN-Loan Against Properties | 11.95 | 10.20 | 13.95 |
LN-Loan Against Properties (Micro Segment) | 17.81 | 16.15 | 18.15 |