LENDING |
Premium (% Per annum) on Base Rate |
Floating Interest Rate on Loans |
|
Corporate |
up to 2.00 |
Agriculture Loan |
up to 2.00 |
MSME/ SME (Productive as per NRB) |
0.50 to 2.00 |
MSME/ SME (Others) |
0.50 to 2.50 |
Education Loan |
2.00 to 3.50 |
Deprived Sector |
Upto 2.00 |
Home Loan (Prime) |
Upto 2.00 |
Home Loan |
0.50 to 2.50 |
Personal Term Loan |
0.50 to 2.50 |
Personal Overdraft Loan |
2.50 to 3.50 |
Auto Loan (Private) |
1.00 to 3.00 |
Hire Purchase (Commercial) |
2.50 to 3.50 |
Real Estate |
2.00 to 3.50 |
Margin Lending |
1.00 to 3.00 |
Loan Against First Class Bank Guarantees |
Upto 2.00 |
Loan Against Fixed Deposit** |
Coupon rate + 2.00 or RABR + 0.25 whichever is higher |
Loan Against Government Securities |
Coupon rate + 2.00 or RABR + 0.25 whichever is higher |
Other Loan |
2.00 to 3.50 |
Professional Loan |
3.00 to 3.50 |
FCY Denominated Loans |
Available on Request |
FCY TR Loan |
Available on Request |
Fixed Interest Rate on Loan |
|
Types of Loan |
Rate Fixed for |
Interest Rate Per Annum |
For Home Loan |
Up to 7 Years |
8.59% |
For Auto Loan |
Up to 5 Years |
8.99% |
For Other Individual Mortgage Loans (Term Loan) |
Up to 7 Years |
9.59% |
For SME/MSME |
Up to 7 years |
9.59% |
Base Rate of Bhadra 2081 |
8.52% |
Interest Spread Bhadra 2081 |
3.91% |