SCHEME |
RATE OF INTEREST |
- HOUSING LOANS
(w.e.f 04-08-2008)
a) Upto 5 years
b) Above 5 – 15 years
c) Above 15 – 20 years
|
- Floating Rate
-
- 11.25%
(2.75% below BPLR)
- 11.50%
(2.50% below BPLR)
- 11.75%
(2.25% below BPLR)
|
- Varun Mithra
Rain Water
- Harvesting
Scheme
- Other Housing Loans:
- i) VAMBAY
- ii)
Credit-cum-Subsidy Scheme
- iii) SBH Gruhini
- iv) Rajiv Gruhakalpa
|
-
As per Housing
Loans
-
-
- 10.00% p.a.
- 14.00% p.a.
- 14.00% p.a.
- 8.00% p.a.
|
- I - EDUCATION LOANS
(w.e.f 04-08-2008)
- Floating Rates
- a) For loans upto Rs.4.00 Lakhs
- b) For loans
above Rs.4.00
-
- 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 belonging to SC/ST
category from 11-02-2008
|
-
-
- 13.00% p.a. (1.00% below BPLR)
- 14.25% p.a. (0.25% above BPLR)
As per
Education Loans
- As
per Education Loans
|
- VEHICLE LOANS
-
- (a) New Car
- a) Repayment upto 3 years
- b) Repayment 3to 5 years
- c) Repayment above 5 years upto 7 years
-
- (b) Used Cars
- a) Repayment upto 3 years
- b) Repayment 3 years and upto 7 years
-
- (c) Two Wheelers
- SBH Scoom Loan Scheme
|
- Revised Interest Rates (w.e.f
04-08-2008)
-
-
13.00% (1.00% below BPLR)
- 13.25% (0.75% below BPLR)
- 13.50% (0.50% below BPLR)
-
- 14.50% (0.50% above BPLR)
- 15.50% (1.50% above BPLR)
-
-
- 15.50% (1.50% above BPLR)
|
PERSONAL LOAN AGAINST
MORTGAGE OF IMMOVABLE PROPERTY
(w.e.f
04-08-2008)
Term
Loans / Overdraft Loans
|
-
13.50% p.a. (0.50% below BPLR)
|
|
1) SBH Saral Scheme
(Introduced in place of Personal Loan Scheme
w.e.f., 01-09-06)
|
15.50% p.a. if the Credit Scoring is 60 and above
(1.50% above BPLR)
16.50% p.a. if the Credit Scoring is 50 to 60 (2.50%
above BPLR)
|
|
2) Personal Loan to
Pensioners
|
14.50% p.a. (0.50% above BPLR)
|
|
3) Loan to Family Pensioners
|
14.50% p.a. (0.50% above BPLR)
|
|
4) Kanya Vivah Suvidha Scheme
|
15.50% p.a. (1.50% above BPLR)
|
|
5) Udyog Bandhu Scheme
|
14.00% (at BPLR)
|
|
6) SBH Tax Suvidha Scheme
|
16.00% p.a. (at 2.00 %
above BPLR)
|
|
7) Adhyapak Suvidha Scheme
|
15.50% p.a. (at 1.50%
above BPLR)
|
|
8) SBH Rakshak Scheme
|
15.50% p.a. (at 1.50%
above BPLR)
|
|
9) Vanitha Gold Scheme
|
15.50% p.a. (at 1.50%
above BPLR)
|
|
10) SBH Paryatan Scheme
|
15.50% p.a. (at 1.50%
above BPLR)
|
|
11) SBH Sanchar Plus Scheme
|
15.50% p.a. (at 1.50%
above BPLR)
|
|
12) SBH Rail Plus Scheme
|
15.50% p.a. (at 1.50%
above BPLR)
|
|
13)
SBH Software Professional
Plus
Scheme
|
15.00% p.a. (at 1.00 %
above BPLR)
|
|
14) SBH Journalist Plus Scheme
|
15.50% p.a. (at 1.50%
above BPLR)
|
|
15)
Credit-to-Credit-Card holders
(SBH
C3 Scheme)
|
15.50% p.a. (at 1.50% above BPLR)
|
|
16) Mahila Shakti and Career Planner Loan
|
For Mahila Shakti
a) 14.75 % p.a. (0.75% above BPLR)
b) 13.50 % p.a. (0.50% below BPLR)
For
Career Planner Loan
a) 12.50 % p.a. (1.50% below BPLR)
b) 11.75 % p.a. (2.25% below BPLR)
|
|
17) SBH Siri Sampada Scheme
|
Concession of 0.25% in interest on all loans,
other than Housing Loans
|
|
18)
Loans against Public Sector
Bonds
|
14.00% p.a. (at BPLR)
|
|
19)
Overdraft in Savings Bank
accounts
|
18.00% (at 4% above
BPLR)
|
20) SBH Fast Credit Scheme
Where check off facility is available
|
15.50% p.a. (at 0.50% above BPLR)
|
|
21) Computer Loan Scheme
|
15.50% p.a. (at 1.50% above BPLR)
|
|
22) SCOOM Loan Scheme
(for 2 wheelers)
|
|
|
23) Loans to individuals for installation of
Solar Water devices
|
14.50% p.a. (at 0.50%
above BPLR)
|
|
24) Clean Overdrafts
|
18.00% p.a. (at 4%
above BPLR)
|
|
25)
Demand Loans against Gold ornaments.
Overdraft
against Gold ornaments
|
14.75% p.a. (at 0.75
above BPLR)
14.75% p.a. (at 0.75 above BPLR)
|
|
26) Loans to individuals against Shares and
Debentures/Bonds/ Units/ Mutual Funds
|
14.00% p.a. (at BPLR)
|
|
27) Advances against surrender value of Life
Insurance Policy
|
13.00% p.a.
(at 1.00% below BPLR)
|
|
28) Loans to employees to purchase shares of
their own companies under employees quota
|
10.75% p.a.
(at 3.25% below BPLR)
|
|
29) Loans
against Gold Bonds
|
14.00% p.a.
(at BPLR)
|
|
30) RBI
Relief Bonds
|
13.00% p.a. (at
1.00% below BPLR)
|
|
31) Advances against Govt., securities including
NSCs IVPs, KVPs, SBI Magnums, Units of UTI
|
12.75% p.a. (at
1.25% below BPLR)
|
|
32)
Loans to Land Lords for construction of
Accommodation for bank use:
a)
Upto and inclusive of Rs.2.00 lacs
b)
Above Rs 2.00 lacs
|
-
-
-
13.00%
p.a.
(at 1.00% below BPLR)
-
14.00%
p.a. (at BPLR)
|
|
33) I – 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 proprietory 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
- 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)
|
-
-
- 1.50%
above the interest rate allowed on the deposit
-
-
-
-
-
-
-
-
-
- (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.
|
|
34)
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.
|
- 35) Loans to Trinees for Pilot Training
Programme and Air Hostess courses Loan secured
by:
- 1. Land and Building
- 2. Banks TDR's/STDR's
- 3. Govt. Securities/ Public sector bonds /
NSC's/ KVP's/RBI Relief Bonds
|
-
-
-
14.75% (0.75 above BPLR)
-
1.00% above the
rate of interest on TDR
-
13.75% (0.25 below BPLR)
|
|
36) Reverse
mortgage
|
1. Public : 10.75 %p.a
2. SBH Pensioners:
Concessional rate of 1.00% below
the card rate applicable to public
|
-
|
