|
|
 |
| |
|
|
Revised
(w.e.f.
11-12-2009)
Fig in( %
per annum)
|
|
Period |
Below
Rs.15 lacs
|
Rs.15
lacs and upto 1 crore
|
|
7
days to 14 days
|
0.00
|
0.00
|
|
15
days to 45 days
|
2.50
|
2.50
|
|
46
days to 90 days
|
4.00
|
4.00
|
|
91
days to 179 days
|
5.00
|
5.00
|
|
180
days to less than 1 year
|
5.75
|
5.75
|
|
1
year to less than 2 years
|
6.50
|
6.50
|
|
2 years to less than
3 years
|
6.75
|
6.75
|
|
3
years to less than 5 years
|
7.00
|
7.00
|
|
5
years to less than 8 years
|
7.25
|
7.25
|
|
8
years and upto 10 years
|
7.50
|
7.50
|
* "SBH-1000" Scheme is
available w.e.f. 07-01-2009
# "SBH-500" Scheme is
available w.e.f. 06-11-2009
| New Scheme |
Interest Rate Fig in( %
per annum) (w.e.f. 08-03-2010 ) |
| Public |
Senior Citizen |
Staff |
Retired Staff Senior Citizens |
| SBH-1000 |
7.25 |
7.75 |
8.25 |
8.75 |
| SBH-500 |
7.00 |
7.50 |
8.00 |
8.50 |
Tax saver Scheme:
|
Maximum
Amount in a Financial Year
|
Minimum
Period of Deposit
|
Rate
of Interest
(with effect from 11-12-2009 )
|
|
Rs.
1.00 Lac
|
5
years
|
|
|
|
5
years
to less than 8 years
|
7.25
% p.a
|
|
|
8
years
and up to 10 years
|
7.50
% p.a
|
-
The
deposits up to Rs. 1.00 lac for a tenure of 5 years and above, will
qualify for tax-benefit, under Sec. 80C of Income Tax Act. However,
premature withdrawals are not allowed on the deposits, up to 5 years.
Branches are advised to note the changes in interest rates and display the revised rates of interest prominently for the information of public/customers.
The Rates for above Rs 1 Crore
w.e.f. 03-03-2010 *
| Period |
Interest
Rate |
|
7
days to 14 days
|
1.50 |
|
15
days to 30 days
|
2.00 |
|
31
days to 45 days
|
2.25 |
|
46
days to 90 days
|
3.00 |
|
91
days to 180 days
|
3.50 |
|
181
days to 270 days
|
4.50 |
|
271
days < 1 year
|
5.50 |
| 1
year & Above |
6.00 |
* Bulk Deposits to be accepted with the prior approval of Head Office
PERSONAL SEGMENT ADVANCES - INTEREST RATES
BPLR
: 12.25%
|
Sl. No.
|
Name of the Scheme
|
Revised
Interest Rates for loan amount up to Rs.30 lacs w.e.f. 01.07.2009 for new
loans
BPLR 12.25%
|
Revised
Interest Rates for loan amount above Rs.30 lacs w.e.f. 01.07.2009 for
new loans
BPLR 12.25%
|
|
01.
|
HOUSING
LOANS:
a)
Upto 5 years
b) Above 5 – 15 years
c) Above 15 – 20 years
d) Fixed Rate Housing
Loans
(Max Rs 10 Lacs Max
Term 10 Yrs)
|
9.25% p.a.
(3.00% below BPLR)
9.25% p.a.
(3.00% below BPLR)
9.50% p.a.
(2.75% below BPLR)
12.25%
(Applicable
to new Housing Loans sanctioned on or after 01-07-09)
|
10.25% p.a.
(2.00% below BPLR)
10.50% p.a.
(1.75% below BPLR)
10.75% p.a.
(1.50% below BPLR)
|
|
Sl. No.
|
Name of the Scheme
|
Interest Rates for loan amount up to Rs.5 lacs for a maximum period of
20 yrs w.e.f. 01-07-2009
BPLR 12.25%
|
Interest
Rates for loan amount Above 5 lacs and upto 20 lacs for a maximumperiod
of 20 yrs w.e.f. 01-07-2009
BPLR 12.25%
|
|
01a.
|
HOUSING LOANS
a)
Up to 5 years
b) 5 years
and above
(Special Scheme for new loans sanctioned
and availed from 26.12.2008 to 30-06-2009):
|
Scheme closed on 30-06-2009
|
Scheme closed on 30-06-2009
|
|
Sl. No.
|
Name of the Scheme
|
Revised Interest Rates
w.e.f. 01.07.2009
BPLR 12.25%
|
| 01b. |
Happy
Housing Loan Scheme ( Valid upto 31-12-2009)
|
8.00%
(Fixed for one year. There after
regular rate of interest)
|
| 01c. |
Other
Housing Loans:
- VAMBAY
- Credit-cum-Subsidy Scheme
- SBH Gruhini
- Rajiv Gruhakalpa
- JNNURM
- Rajiv Swagruha Scheme- Housing Loans
|
- 10.00%
p.a.
- 12.25%
p.a. (BPLR)
- 12.25%
p.a. (BPLR)
- 8.00% p.a.
- 0.50%
Below the rate applicable to normal Housing Loans
- 0.50%
Below the rate applicable to normal Housing Loans
|
| 01d. |
VarunMithra
Rain Water Harvesting Scheme
|
As
per Housing Loans
|
| 02.
|
EDUCATION LOANS
Floating rates only
a) For loans upto Rs.4.00 lacs
b) For loans above Rs.4.00 lacs
II – Education Loan
Plus Scheme
III – Coaching Plus Scheme
Additional concession of 50 basis points in rate of interest on
Education Loans sanctioned
to girl students and all students belong to
SC/ST category
from 11-02-2008
|
11.25%
p.a.
(1%
below BPLR)
12.50%
p.a.
(0.25%
above BPLR)
As per Education Loans
As per Education Loans
|
|
l. No.
|
Name of the Scheme
|
Revised Interest Rates w.e.f. 01-01-2010 BPLR
12.25%
|
| 03
a.
|
CAR
LOANS
For New
Vehicles
i) Repayment upto 3 years
Rs 7.50 Lakhs and
above
Below Rs 7.50
Lakhs
ii) Repayment above 3 years up to 5 years
iii) Repayment above 5 years to 7 years
|
11.00% p.a.
(1.25% below BPLR)
11.25% p.a.
(1.00% below BPLR)
11.25% p.a.
(1.00% below BPLR)
11.50%
p.a.
(0.75% below BPLR)
|
|
l. No.
|
Name of the Scheme
|
Revised Interest Rates w.e.f. 01-07-2009 BPLR
12.25%
|
| 3
b. |
USED
VEHICLES:
At all centers:
a) Upto 3 years
b) Above 3 years and upto 7 Yrs
|
14.00% p.a.
(1.75% above BPLR)
14.25%
p.a.
(2.00% above BPLR)
|
| 04. |
SCOOM Loan Scheme
(for 2 wheelers) |
15.00%
(at 2.75%
above BPLR) |
| 05. |
SBH Saral Scheme
(Introduced in place of Personal Loan Scheme
w.e.f., 01-09-06) |
i) 13.75% p.a.
(1.50%
above BPLR)
if the Credit Scoring is
60 and above
ii)
14.75% p.a.
(2.50% above BPLR)
if the Credit Scoring is 50 to 60 |
| 06. |
SBH Fast Credit Scheme
(where the check-off facility is available)
|
-
12.75%
(at
0.50% above BPLR) where check off is
available
-
13.50%
1.25% above BPLR floating currently 14.00%
for all loans where check off is available but the employer is not
willing to inform the Bank if there is a severance.
The same rate would be applicable in
cases where no check off is available |
| 07. |
Personal Loan against Mortgage of Immovable
Property
Term Loans / Overdraft Loans |
12.25%
p.a.
(@ BPLR) |
| 08. |
Personal Loan to Pensioners |
12.75%
p.a.
(0.50% above BPLR) |
| 09. |
Loan to Family Pensioners |
12.75%
p.a
(0.50% above BPLR) |
| 10. |
Kanya Vivah Suvidha Scheme |
13.75% p.a.
(1.50%
above BPLR) |
| 11. |
Udyog Bandhu Scheme |
12.25%
p.a.
(at BPLR) |
| 12. |
SBH Tax Suvidha Scheme
|
14.25%
p.a.
(at 2% above BPLR) |
| 13. |
Adhyapak Suvidha Scheme |
13.75%
p.a.
(at 1.50% above BPLR) |
| 14. |
SBH Rakshak Scheme |
13.75%
p.a.
(at 1.50% above
BPLR) |
| 15. |
Vanitha Gold Scheme |
13.75%
p.a.
(at 1.50% above BPLR)
|
| 16. |
SBH Paryatan Scheme |
13.75%
p.a
(at 1.50% above BPLR) |
| 17. |
SBH Sanchar Plus Scheme |
13.75%
p.a.
(at 1.50% above BPLR) |
| 18. |
SBH Rail Plus Scheme |
13.75%
p.a
(at 1.50% above BPLR) |
| 19. |
SBH Software Professional Plus Scheme |
13.25%
p.a.
(at 1% above BPLR)
|
| 20. |
SBH Journalist Plus Scheme |
13.75%
p.a.
(at 1.50% above BPLR) |
| 21. |
Credit-to-Credit-Card holders
(SBH C3 Scheme) |
13.75%
p.a.
(at 1.50% above BPLR) |
| 22. |
i) Mahila Shakthi
-
Working
women
-
House Wives
ii) Career
Planner
-
Working
women
-
House Wives
|
For Mahila
Shakti
-
13.00%p.a.
(0.75%
above BPLR)
-
11.75% p.a.
(0.50%
below BPLR)
For Career Planner
Loan
-
10.75% p.a.
(1.50%
below BPLR)
-
10.00% p.a.
(2.25%
below BPLR) |
| 23. |
SBH Siri Sampada Scheme |
Concession of 0.25% in interest on all loans,
other than Housing Loans
|
| 24. |
Loans against Public Sector Bonds |
12.25%
p.a.
(at BPLR) |
| 25. |
Overdraft in Savings Bank accounts |
16.25%
(at 4% above
BPLR)
|
| 26. |
Computer Loan Scheme |
13.75% p.a.
(1.50%
below BPLR)
|
| 27. |
Loans to Individuals for installation of Solar
Water devices |
12.75%
p.a.
(at 0.50% above BPLR)
|
| 28. |
Clean Overdrafts |
16.25%
p.a.
(at 4% above BPLR) |
| 29. |
Demand Loans against Gold ornaments.
Overdraft against Gold ornaments |
12.25%
p.a.
(@ BPLR)
12.75%
p.a.
(at 0.50 above BPLR) |
| 30. |
Loans to individuals against Shares and
Debentures/Bonds/ Units/ Mutual Funds |
12.25% p.a.
(at
BPLR)
|
| 31. |
Advances against surrender value of Life
Insurance Policy |
11.25% p.a.
(at 1%
below BPLR)
|
| 32. |
Loans to employees to purchase shares of their
own companies under employees quota |
9.00% p.a.
(at 3.25% below BPLR) |
|
33. |
Loans against Gold Bonds |
12.25% p.a.
(at
BPLR) |
|
34. |
RBI Relief Bonds
|
11.25% p.a.
(at 1%
below BPLR) |
|
35. |
Advances against Govt., securities including
NSCs IVPs, KVPs, SBI Magnums, Units of UTI |
11.00%
(at 1.25% below
BPLR)
|
|
36. |
Loans to Land Lords for construction of
Accommodation for bank use:
- Upto and inclusive of Rs.2.00 lacs
Above Rs 2.00
lacs |
-
11.25% p.a.
(1% below
BPLR)
-
12.25% p.a.
(BPLR) |
| 37.
|
Advances against Bank TDR (for
Domestic)
a) Advance to :
i) The customer(s) either singly or jointly
ii) One of the partners of a partnership
firm
iii) The proprietor of a proprietary
concern and the advance is made to such concern
iv) A ward whose guardian is competent to
borrow on behalf of a ward and where the advance is made to the
guardian of the ward in such capacity |
1.50% above the interest rate allowed
on the deposit
|
| 38. |
II – Advances against Bank TDR’s (Domestic)
b) To borrowers other than those included in a)
(i to iv)
Advances to third parties against bank’s own
TDRs, SPL TDRs, in the name of others
(irrespective of the limit)
|
i) 1.50% above the
rate allowed on the deposit or
(ii) SBH
PLR or
(iii) The rate
of Int. applicable to the activity financed viz. SSI/ SBF/ AGR etc.
(whichever is higher of the 3 above)
(iv)
However if the loan is granted in PER segment, rate of interest to
be charged will be the same rate as applicable for clean
overdrafts.
|
| 39. |
Advances against balances in the Janata Deposit
Account
a) For Public
b) For staff (as laid down in the scheme
approved by RBI) |
11.75% p.a.
9.75% p.a. |
| 40. |
Loans to trainees for Pilot Training
Programme and Air Hostess courses
Loan secured by :
1 Land & Building
2. Banks TDR’s / STDR’s
3. Govt.
Securities/Public sector bonds / NSC’s / KVP’s / RBI Relief
Bonds/ |
13.00%
(0.75% above
BPLR)
1 % above the rate of interest on TDR
12.00%
(0.25% below
BPLR)
|
| 41. |
Reverse mortgage
|
1. Public: 10.75% p.a
2. SBH Pensioners: Concessional rate of 1%
below the card rate applicable to public |
| 42. |
Loan for Earnest money deposit for allotment of
Plot/House/Flat |
11.25%
(1% below BPLR
) |
|
REVISED INTEREST RATES APPLICABLE FOR ADVANCES
TO MEMBERS OF STAFF/BANK’S PENSIONERS w.e.f.,
19-02-2008 |
|
Housing Loan (Floating Rate) |
|
Upto 5
years
|
9.25% p.a. |
|
Above 5 and upto 10 years |
|
Above 10 and upto 20 years |
|
Housing Loan (Fixed Rate) |
|
Upto 5 years
|
9.75% p.a. |
|
Above 5 and upto 10 years |
|
Above 10 and upto 20 years |
|
Car Loan (Floating Rate) |
|
Upto 3 years
|
9.50% p.a. (3.50%
below BPLR) |
|
Above 3 and upto 7 years |
10.00% p.a. (3.00%
below BPLR) |
|
Above 7 years
|
10.50% p.a. (2.50%
below BPLR) |
|
Car Loan (Fixed Rate)
|
|
Upto 3 years
|
10.00% p.a.
(3.00% below BPLR) |
|
Above 3 and upto 7 years |
10.50% p.a.
(2.50% below BPLR) |
|
Above 7 years
|
11.00% p.a.
(2.00% below BPLR) |
|
|
|
|
Personal
Loan |
11.25% p.a. (1.75%
below BPLR) |
|
Education Loan
|
|
Upto Rs.4.00 Lakhs
|
11.50% p.a. (1.50%
below BPLR) |
|
Above Rs.4.00 Lakhs
|
12.00% p.a. (1.00%
below BPLR) |
|
|
|
|
Advances against Govt.
Securities (other than NSCs, IVPs, KVPs) surrender value of LIC
policies |
Maximum interest rate payable on Staff TDRs
(subject to reset with changes in maximum TD rate) or interest rate
payable / yield on security pledged (whichever is higher) |
|
|
|
|
Gold Loans
|
Maximum interest rate payable on Staff TDRs
(subject to reset with changes in maximum TD rate) |
|
|
|
|
Advances against debentures of Joint Stock
Companies, SBI Magnums, Units of UTI and Mutual Funds |
11.25% p.a. (Rates
applicable for Personal Loan to Staff)
|
|
|
|
|
Advances against Kisan Vikas Patras |
1.50% below SBH PLR
subject to the provision that if there is a security carrying higher
interest rates, the loan will carry the same rate as the
security. |
|
|
|
|
Advances against NSCs
|
Maximum interest rate payable on Staff TDRs
(subject to reset with changes in maximum TD rate) or interest rate
payable / yield on security pledged (whichever is higher) |
|
|
|
|
Advances against Bank's Term Deposit |
Same rate of interest as payable on TDR |
|
Advances against balances in the Janata Deposit
Account |
9.25% p.a.
| |
|
The interest rates are subject to
change from time to time. |
|
AGRICULTURAL
ADVANCES - INTEREST RATES |
Short-term loans (Crop Loans)
|
Sl.
No.
|
Size of Credit |
Existing rates
w.e.f.12-05-2009 |
Proposed rates on account of revision in BPLR
w.e.f.01.09.2009
|
|
1.
|
Up to Rs.3.00 lac
(From the date of disbursement / drawal upto the
date of payment or upto the date beyond which the outstanding loan
becomes overdue i.e. 31st March for
Kharif and 30th June for Rabi
respectively whichever is earlier)
|
For crop loans up to a limit of Rs.3.00 lac
rate of interest is fixed at 7.00% p.a. by RBI/ Govt. of India |
For crop loans up to a limit of Rs.3.00 lac
rate of interest is fixed at 7.00% p.a. by RBI/ Govt. of India
|
|
|
After the due date of repayment of the
crop loan for which interest subvention scheme is applicable &
for the other loans which do not come under the purview of the
interest subvention Scheme Rate of Interest applicable is as under
|
|
1.
|
Upto Rs.50,000/-
|
9.25 %
|
9.25 %
|
|
2.
|
Over Rs.50000/- upto Rs.2.00 lac |
10.50 %
|
10.25 %
|
|
3.
|
Over Rs.2.00 lac upto Rs 3.00 lac |
13.00 %( PLR+0.25%)
|
11.00 %(PLR+0.25%)
|
|
4.
|
Rs.3.00 upto Rs.5.00 lac
|
13.00 %( PLR+0.25%)
|
11.75% (PLR+0.25%)
|
| 5.
|
Rs.5.00 upto Rs.25.00 lac
|
13.00 %( PLR+0.25%)
|
12.75% (PLR+0.25%)
|
|
6.
|
Over Rs.25.00 lac
|
|
|
|
SBH(AGR-1)
|
12.75%(PLR)
|
12.25%(PLR)
|
|
|
SBH(AGR-2)
|
13.25 %( PLR + 0.50%)
|
13.00 %( PLR + 0.50%)
|
|
|
SBH(AGR-3)
|
13.75 %( PLR+1%)
|
13.50 %( PLR+1%)
|
|
|
SBH(AGR-4)
|
14.25 %( PLR+1.50%)
|
13.75 %( PLR+1.50%)
|
|
|
SBH(AGR-5,6,7,8)
|
14.75 %( PLR+2.00%)
|
13.75 %( PLR+2.00%)
| |
Agriculture Term Loans
|
SlNo.
|
Size of
Credit |
Revised rates
w.e.f.01.09.2009 for term loans as repayable in 1-3
years |
Revisesd rates
w.e.f.01.09.2009 for term loans as repayable in 3 years and
above |
|
1
|
Upto Rs.50000/-
|
10.25% ( PLR-2.00%) |
10.75% ( PLR-2.00%) |
|
2
|
Rs.50000/- - Rs.2.00 lacs
|
11.00% ( PLR-1.25%) |
11.50% ( PLR-1.25%) |
|
3
|
Rs.2.00 - Rs.5.00 lacs |
11.75 %( PLR-0.50%) |
12.25 %( PLR)
|
|
4
|
Rs.5.00 - Rs.25.00 lacs
|
12.75 %( PLR+0.50%) |
13.25 %( PLR+0.50%) |
|
5
|
Over Rs.25.00 lacs :
|
|
A
|
SBH(AGR-1)TL-1
|
12.25 %( PLR+0.25%)
|
12.75 %( PLR+0.25%)
|
|
B
|
SBH(AGR-2)TL-2
|
13.00 %( PLR+0.50%)
|
13.50 %( PLR+0.50%)
|
|
C
|
SBH(AGR-3)TL-3
|
13.50 %( PLR+1.00%)
|
14.00 %( PLR+1.00%)
|
|
D |
SBH(AGR-4)TL-4,5,6,7,8
|
13.75 %( PLR+1.50%)
|
14.25 %( PLR+1.50%)
| |
|
PACS/FSCS
A. Crop
Loans
|
Sl.
No.
|
Size of Credit
(For each individual borrower member as fixed
under IMBP vide HO Cir No. AGR/2007-08/19 dt. 03.09.2007) |
Existing Rates
w.e.f. 17.06.09 |
Revised rates on account of revision in BPLR w.e.f.
01.09.2009
|
|
Bank to Society
|
Society to members
|
Bank to Society
|
Society to members
|
|
1.
|
Upto Rs.3.00 lac(#)
|
5.50%
|
7.00%
|
5.50%
|
7.00%
|
|
(#) (From the
date of disbursement / drawal upto the date of payment or upto the
date beyond which the outstanding loan becomes overdue i.e. 31st March for Kharif and 30th June for Rabi respectively whichever
is earlier)
|
|
After the due date of repayment of the crop
loan for which interest subvention scheme is applicable & for
the other loans which do not come under the purview of the interest
subvention Scheme Rate of Interest applicable is as
under
|
|
1.
|
Upto Rs.50,000/- |
7.50%
|
9.25 %
|
7.75% (PLR-4.50) |
9.25 %
|
|
2.
|
Over Rs.50,000/- upto
Rs.2.00 lac |
9.00%
|
10.50%
|
8.75% (PLR-3.50) |
10.25%
|
|
3.
|
Over Rs.2.00 lac upto Rs.3.00 lac |
12.25%
|
13.75%
|
9.50% (PLR-2.50) |
11.00%
|
Note: In view of the interest subvention scheme, branches
have to credit collection / recoveries of the society to the same loan
account of the season / year for which society disbursed and recovered the
loans from its members.
B. Agricultural Term Loans
|
Sl.
No |
Size of Credit
|
Revised rates w.e.f.01.09.2009 for term loans as repayable in 1-3
years |
Revisesd rates
w.e.f.01.09.2009 for term loans as repayable in 3 years and
above |
|
Bank to Society
|
Society to members
|
Bank to Society
|
Society to members
|
|
1
|
Upto Rs.25000/-
|
8.75% (PLR-3.50%) |
10.25%
|
9.25% (PLR-3.00%) |
10.75%
|
|
2
|
Rs.25000/- - Rs.50000/- |
8.75% (PLR-3.50%) |
10.25%
|
9.25% (PLR-3.00%) |
10.75%
|
|
3 |
Rs.50000/- - Rs.2.00lacs |
9.50% (PLR-2.75%) |
11.00%
|
10.00% (PLR-2.25%) |
11.50%
|
|
4
|
Rs.2.00 - Rs.5.00 lacs |
10.25% (PLR-2.00%) |
11.75%
|
10.75% (PLR-1.50%) |
12.25%
|
|
5 |
Rs.5.00 - Rs.25.00 lacs |
11.25% (PLR-1.00%) |
12.75%
|
11.75% (PLR-0.50%) |
13.25%
| |
|
LOANS TO SELF HELP GROUPS |
|
w.e.f.
01-09-2008 (applicable to Existing and Fresh Loans)
| Sl
No |
Size of credit |
Existing Rates
w.e.f. 12.05.2009 |
Revised Rates
w.e.f. 01.09.2009 |
| 1. |
Direct loans upto Rs. 2.00 lac to SHGs/
VOs |
3%below BPLR i.e.
9.75% |
2.25%below BPLR i.e.
10.00% |
| 2. |
Direct loans above Rs. 2.00 lac to SHGs/
VOs |
2%below BPLR i.e.
10.75% |
1.25%below BPLR i.e.
11.00% | |
|
Scheme for financing Rural Housing - Gram
Nivas |
| Floating Rate |
Up to 5 years |
9.25% ( i.e.3%below BPLR ) |
|
Above 5 years and up to 15 years |
9.25% ( i.e.3%below BPLR ) |
| Fixed Rate |
Up to 5 years |
12.25% for loans sanctioned on or after
01-09-2009 |
| Above 5 years and up to 15
years | |
|
LOANS
AGAINST WAREHOUSE RECEIPTS |
| Type of
Loan |
Interest w.e.f. 01-09-2009 |
| Produce Market Loan |
AGR |
Interest as applicable to crop
loans which do not come under the purview of Interest Subvention
Scheme |
| Loans against warehouse
receipts |
AGR |
Interest as applicable to crop
loans which do not come under the purview of Interest Subvention
Scheme |
| SME |
1% below the BPLR i.e. present
effective rate @ 11.25% |
| C&I |
As applicable to working capital
finance | |
|
The interest rates are subject to
change from time to time. |
|
MSME ADVANCE
INTEREST RATES w.e.f. 01-07-2009 |
|
Size of Credit
Limit |
OTHER THAN CONVENTIONAL
INDUSTRIES |
CONVENTIONAL
INDUSTRIES |
|
Working
Capital |
Term Loans
# |
Working
Capital |
Term Loans
# |
|
(PLR : 12.25% p.a.) |
(PLR : 12.25% p.a.) |
(PLR : 12.25% p.a.) |
(PLR : 12.25% p.a.) |
|
Interest Rate % p.a. |
Interest Rate % p.a. |
Interest Rate % p.a. |
Interest Rate % p.a. |
|
Upto
Rs.50000 |
10.50
[1.75% below
BPLR] |
11.00
[1.25% below
BPLR] |
10.50
[1.75% below
BPLR] |
11.00
[1.25% below
BPLR] |
|
Above Rs.50000 to Rs.2
lac |
11.00
[1.25% below
BPLR] |
11.50
[0.75% below
BPLR] |
10.50
[1.75% below
BPLR] |
11.00
[1.25% below
BPLR] |
|
Above Rs.2 lacs ro Rs.5
lacs |
11.75
[0.50% below
BPLR] |
12.25
[BPLR] |
11.25
[1.00% below
BPLR] |
11.75
[0.50% below
BPLR] |
|
Above Rs. 5 lacs to
Rs.25 lacs |
12.25
[
BPLR] |
12.75
[0.50% above
BPLR] |
11.75
[0.50% below
BPLR] |
12.25
[BPLR] |
|
Rs.25 lacs and above as
per CRA |
|
SBH-1 /
TL-1 |
11.75
[0.50% below
BPLR] |
12.25
[BPLR] |
10.75
[1.50% below
BPLR]] |
11.25
[1.00% below
BPLR] |
|
SBH-2 /
TL-2 |
12.25
[BPLR] |
12.75
[0.50% above
BPLR] |
11.25
[1.00% below
BPLR]] |
11.75
[0.50% below
BPLR] |
|
SBH-3 /
TL-3 |
12.75
[0.50% above
BPLR] |
13.25
[1.00% above
BPLR] |
11.75
[0.50% below
BPLR] |
12.25
[BPLR] |
|
SBH-4 /
TL-4 |
13.25
[1.00% above
BPLR] |
13.75
[1.50% above
BPLR] |
12.25
[BPLR] |
12.75
[0.50% below
BPLR] |
|
SBH-5 to 8 / TL-5 to 8 |
14.25
[2.00% above
BPLR] |
14.75
[2.50% above
BPLR] |
14.25
[2.00% above
BPLR] |
14.75
[2.50% above
BPLR] |
|
Interest rate for specific products( Revised
w.e.f. 01-07-2009) |
|
Mortgage Loan under MSME segment |
12.25%
[BPLR] |
| Doctor Plus
Score as per Scoring Model
-
65 & Above
-
55 to 64
-
45 to 54
-
35 to 44
-
Below 35 |
-
2% below BPLR [Presently
10.25%]
-
1.50% below BPLR [Presently
10.75%]
-
1.00% below BPLR [Presently
11.25%]
-
0.50% below BPLR [Presently
11.75%]
-
No Finance |
| Construction
Equipment Loan
For SBH 1 & 2 [New CRA SB1-SB5
borrowers]
For SBH3 [New CRA SB6 & SB7 borrowers]
|
1% below BPLR
[Presently 11.25%]
0.75% below BPLR [Presently
11.50%] |
| SME CAR LOANS |
[As
applicable to car loans under PER
segment] | |
|
|
The interest rates are subject to
change from time to time. |
|
COMMERCIAL & INSTITUTIONAL (C&I) SEGMENT
ADVANCES INTEREST RATES |
|
C&I Segment (T&C and LMS) – Interest
Rate with effect from 01-07-2009
(A) Interest Rates on Loans & Advances upto 25
Lacs (Percentage
per annum)
|
Size of Credit Limit |
For Loans & Advances repayable on demand or
up to one year |
For Loans & Advances repayable beyond one
year but before 3 years |
For Loans & Advances repayable in 3 years
and above |
|
Upto & inclusive of
Rs.25,000/- |
BPLR i.e., 12.25 |
BPLR i.e., 12.25 |
BPLR i.e., 12.25 |
|
Above Rs.25,000/- &
upto Rs.2,00,000/- |
BPLR i.e., 12.25 |
BPLR i.e., 12.25 |
BPLR i.e., 12.25 |
|
Above Rs.2 lacs
& upto Rs.5 lacs |
1.50 above BPLR
i.e., 13.75 |
1.75 above BPLR
i.e., 14.00 |
2.00 above BPLR
i.e., 14.25 |
|
Above Rs.2 lacs
& upto Rs.25 lacs |
1.50 above BPLR
i.e., 13.75 |
1.75 above BPLR
i.e., 14.00 |
2.00 above BPLR
i.e.,
14.25 |
(B) Interest Rates on Loans
and Advances w.e.f 01.07.2009 for Limits above
Rs. 25 lacs as per CRA
(Percentage per annum)
|
|
Working Capital(CC)
|
WCDL |
Term Loans
|
Short Term Corporate Loans |
Bills Discounting # |
|
SBH 1 / SBH (T) 1
/
SBHTL 1 / SBHTL (T) 1 |
1.25 OVER BPLR i.e., 13.50 |
1.00 OVER BPLR i.e., 13.25 |
1.50 over BPLR
i.e.,
13.75 |
1.25 above BPLR
i.e., 13.50 |
0.25 OVER BPLR i.e., 12.50
|
|
SBH 2 / SBH (T) 2
/
SBHTL 2 / SBHTL (T) 2 |
1.75 OVER BPLR i.e., 14.00
|
1.50 OVER BPLR i.e., 13.75
|
2.00 over BPLR
i.e.,
14.25 |
1.75 above BPLR
i.e.,
14.00 |
0.75 OVER BPLR i.e., 13.00
|
|
SBH 3 / SBH (T) 3
/
SBHTL 3 / SBHTL (T) 3 |
2.50 OVER BPLR i.e., 14.75
|
2.25 OVER BPLR i.e., 14.50
|
2.50 over BPLR i.e., 14.75
|
2.50 above BPLR
i.e., 14.75 |
1.50 OVER BPLR i.e., 13.75
|
|
SBH 4 / SBH (T) 4
/
SBHTL 4 / SBHTL (T) 4 |
3.25 OVER BPLR i.e., 15.50
|
3.00 OVER BPLR i.e., 15.25 |
3.25 over BPLR
i.e., 15.50 |
3.25 above BPLR
i.e.,
15.50 |
2.25 OVER BPLR i.e., 14.50
|
|
SBH 5 / SBH (T) 5
/
SBHTL 5 / SBHTL (T) 5 |
3.50 OVER BPLR i.e., 15.75 |
3.50 OVER BPLR i.e., 15.75 |
3.50 over BPLR
i.e., 15.75 |
3.50 above BPLR
i.e.,
15.75 |
2.75 OVER BPLR i.e., 15.00
|
|
SBH 6,7,8 / SBH (T)
6,7,8 /SBHTL 6,7,8 / SBHTL (T) 6,7,8
|
3.75 OVER BPLR i.e., 16.00 |
3.75 OVER BPLR i.e., 16.00
|
3.75 over BPLR
i.e., 16.00 |
3.75 above BPLR
i.e., 16.00 |
2.75 OVER BPLR i.e., 15.00
|
# Discounting of Bills other than those drawn under
LCs of our own branches and first class banks |
|
The interest rates are subject to change from time to
time. |
|
BANK'S BENCHMARK PRIME
LENDING RATE (BPLR) : 12.25 % P.A (w.e.f. 1st Jul 2009)
|
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|
| |
|
|
| ©2008 State Bank of Hyderabad.
|
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