Loan Interest Chart

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Sl. No.

Particulars Rate w.e.f   01.06.2015
2. Term Loan & C.C Loan from Rs 100001/- to  Rs.5,00,000/- 15%
3. Term Loan & C.C loan > Rs.5,00,000/- & upto Rs.10,00,000/- 15%
4. Term loan & C.C loan > Rs.10,00,000/- & upto Rs.50,00,000/- 14%
5. Term loan & C.C loan > Rs.50,00,000/- & upto Rs.1.00 crore 13.50%
6. Term loan & C.C loan > Rs.1.00 crore 12.5% 
7. Personal loan 16% 
8. Motorbike/Consumer loan 16% 
9 Housing Loan   
  a)  5 years repayment period 10.50% 
  b)  10 years repayment period 11% 
  c)  15 years repayment period 11.50% 
  d)  House repairing loan 13% 
10 Real Estate Loan 15% 
11 Loans to fleet owner Transport operators 12.50% 
12. Gold loan 15% 
13. Overdraft /Bills purchased 17.5% 
14. Urban Friend in need scheme(short term loan) 5 yearsUrban Friend in need scheme(Medium term) 5-7 yearsUrban Friend in need scheme(Long term) 7 to 10 years 14.50%15%   16%  
15 (I)Urban Subidha. (II) Against other securities. Interest on term deposit +2%      12.5% 
16. Urban Sikhsayatan Nivesh - upto 3 yearsUrban Sikhsayatan Nivesh - Above 3 years 14%15% 
17. Urban Bidyarthi Vikash – Upto Rs.4.00 lakhUrban Bidyarthi Vikash -  Above Rs.4.00 lakh 14%15% 
18. Urban Arogya Yojana – Upto 3 years repaymentUrban Arogya Yojana – Above 3 years repayment 14%14.50% 
19. Dhanwantari Vikash Yojana – Upto 3 yearsDhanwantari Vikash Yojana - Above 3 years 14% 15%
20. S.P. Mukherjee Khudra Silpa Yojana/Madhu Karigar Yojana 12%
21. Transport Loan (Commercial) 13% for existing customer having good track record of repayment i.e. must have taken at least two loans earlier in own name or family members (father / mother/ brother/son/brother’s wife/son) name and repaid in time.14% in case of new applicant. 
22. Transport loan (Personal) 13% 
23. Urban Swarojagar Yojana 16% 
24. Loan against Securities (LIC, NSC, KVP etc.) 14% 

  0.50% interest will be charged in all loan cases (except Urban Subidha, LTD, LAS Loans) where the loan is secured by 100% tangible security.Rules on penal interest shall remain same as communicated vide circular No. 5534(16)/2008-09 dated 11.03.09 and No.871/2009-10 dated 09.06.2009.