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| Loan and Advances Rate of Interest Effective From 27-12-2011 |
| CAR LOAN | EDUCATION LOAN | HOME LOAN | DOCTOR'S LOAN |
| Particulars | Rate of Interest | Against Govt.Securities (NSC/KVP/LIC Policy/Relief Bond) | 11.00% | Gold Loan (Maximum One Year)-up to Rs. 1/- Lacs | 13.00% | Consumer Durables (Household Goods) | 12.00% | Self employed/Service Enterprises/Professionals | 12.00% | Demat Shares(up to Rs.10/-lacs) | 13.00% | Mortgage Loan / Overdraft | 13.50% | Loan / Overdraft / against own deposit 1% more then Deposit rate. | 1.00% | Loan / Overdraft / against Third party deposit 2% more then Deposit rate. | 2.00% | Working Capital Limit atlest of Rs.10/-lacs upto 1/- Crore with 100% Collateral Security monthly average utilization above 55% | 12.50% | Working Capital Limit atlest of 1/- Crore upto 5/- Crore with 100% Collateral Security monthly average utilization below 55% | 12.50% | Working Capital Limit atlest of 1/- Crore upto 5/- Crore with 100% Collateral Security monthly average utilization above 55% | 11.50% | Working Capital Advances for Rs.5/- Crore and Above with 100% Collateral Security and monthly average utilization of 55% and above | 11.00% | Working Capital Advances for Rs.5/- Crore and Above with 100% Collateral Security and monthly average utilization of 55% and below | 12.50% | Bills Discounting under LC of prime bank (up to 90 days) | 11.00% | Clean Cash Credit / Overdraft (up to Rs.2/- lacs) | 13.00% | Cheque Purchase / Discount | 13.00% | Clean Bills / D.A.Bills Purchase / Discount | 13.00% | Co-acceptance / D.A.Bills / Trust Receipt | 13.00% | Hypothecation / pledge of Stock /Book Debts | 12.50% | Hypothecation of Plant and Machinery(Term Loan) | 12.00% | Composite Loan / Cash Credit | 12.50% | Mortgage of Office / Factory / Godown(Term Loan) | 12.50% | Term Loan (other Fixtures) | 12.50% | Temporary Loan / Overdraft / Cash Credit (Up to Rs.10/-lacs over and above reqular limit) | 14.50% | Excess over sanctioned limit | 14.50% | Drawing against uncleared effect (Clearing) | 14.50% |
| Note : | (1) | Interest Rates will be effective on all working Capital Limits from 27.12.2011 and in case of term loans only on new sanctions on after 27.12.2011 | (2) | (A) Processing Charges as per Circular applicable. (B) Processing Charge will be applicable on Adhoc limits or temporary limits |
