|
Sl.
|
Schemes
|
Revised rate [p.a.]
BPLR = 14%
Floating
|
|
1
|
V – Cash
|
BPLR + 1 % = 15%
|
|
For women beneficiaries including working women
|
BPLR = 14% *
|
|
For marriage and purchase of consumer durables
|
BPLR = 14% *
|
|
For Pensioners
|
BPLR = 14% *
|
|
2
|
V - Solar
|
|
-
for Lighting
|
BPLR + 0.50 % =14.50%
|
|
-
for Heating
|
12.50% [fixed]
(Refer HOC 156/07 dated 24.09.2007)
|
|
3
|
V - I P O
|
If paid within 30 days BPLR = 14% *
|
|
If paid after 30 days to 36 months : BPLR = 14% *
|
|
For finance to employees to subscribe shares of their own companies
under ESOP/ IPO
|
BPLR = 14%
|
|
4
|
V - Professional
|
Rural/ Semi-urban : BPLR = 14% *
|
|
Others : BPLR + 1 % = 15%
|
|
5
|
V - Trade
|
BPLR +1.00= 15.00% *
|
|
6
|
V-Wheels
(for individuals, corporate clients, partnership firms)
|
BPLR-1%= 13% *
[Repayment period is restricted maximum upto 5 years only, for fresh
loans]
|
|
7
|
V – Equip
|
BPLR + 0.50 % =14.50%
|
|
8
|
V - Mortgage Loan
|
BPLR + 2% = 16% *
|
|
9
|
Educational Loan
|
Irrespective of amount: BPLR-1.50 = 12.50%
|
|
10
|
Jewel Loan
|
BPLR – 1 % = 13%
|
|
11
|
Vijaya Home Loan
[For Fresh
loans sanctioned on or after 04.09.2008]
|
|
|
For loans up to
Rs 30.00 Lakh
[
ROI retained at the existing level only]
|
For Loans above
Rs 30.00 Lakh
|
|
Period
|
Floating
|
Fixed
|
Floating
|
Fixed
|
|
Upto 5 years
|
BPLR - 3.50 = 10.50%
|
12.00%
|
BPLR – 2.50 = 11.50%
|
12.75%
|
|
Above 5-10 years
|
BPLR – 3.25 = 10.75%
|
No fixed
|
BPLR – 2.25 = 11.75%
|
No fixed
|
|
Above 10 to 15 years
|
BPLR – 3.00 = 11.00%
|
No fixed
|
BPLR – 2.00 = 12.00%
|
No fixed
|
|
Beyond 15 years
|
BPLR – 2.75 = 11.25%
|
No fixed
|
BPLR – 1.75 = 12.25%
|
No fixed
|
|
|
|
12
|
V Rent
|
BPLR = 14.00 %
|
|
|
For Commercial Real Estate Loans* [other than V-Rent and Home
Loans]
|
As per Risk Rating or BPLR+2=16% p.a. whichever is higher
|
|
*(office buildings, retail space, multi-purpose commercial premises,
multi-family residential buildings, multi-tenanted commercial premises, industrial or warehouse
space, hotels, land acquisition, development and construction, etc.).,
|
|
13
|
Small Road Transport Operators (SRTO)
|
As applicable under MSE (Service)
|
Micro and Small
(Service) Enterprises (which includes SRTO/ Professional/ Self-employed/ Small Business and
other service enterprises where the investment in plant and equipment does not exceed Rs.2
crore):
|
Slabs
|
Rate of Interest
|
|
Upto Rs.50000
|
BPLR-2.50=11.50%
|
|
Above Rs.50000 upto Rs.2 lakh
|
BPLR-2=12%
|
|
Above Rs.2 lakh upto Rs.25 lakh
|
BPLR=14%
|
|
Above Rs.25 lakh upto Rs.50 lakh
|
BPLR+0.50=14.50%
|
|
Above Rs.50 lakh *
|
BPLR+1=15%
|
*
NOTE For loans above Rs.50 lakh, in case the risk pricing is lower than the structured
interest rate as above based on the Risk Rating of the account, reduction in interest rate can be
approved in such cases only by H.O. based on Customer Profitability Analysis.
|
13
|
V-Swashakti
|
MSE [Manufacturing]
|
Revised rate [floating]
|
|
Loans upto Rs 50,000
Loans above Rs 50,000 and upto Rs 2.00 Lakh
Loans above Rs 2.00 Lakh and upto Rs 5.00 Lakh
|
BPLR-3.50%=10.50%
BPLR-3.00%=11.00%
BPLR-1.00%=13.00%
|
|
Other Priority Sector [RETAIL TRADE] :
|
|
|
Loans upto Rs 2.00 Lakh
Loans above Rs 2.00 Lakh and upto Rs 5.00 Lakh
|
BPLR-0.50%=13.50%
BPLR = 14.00%
|
|
|
V-Swashakti
|
MSE [Services ]
|
Revised rate [floating]
|
|
Loans upto Rs 50,000
Loans above Rs 50,000 and upto Rs 2.00 Lakh
Loans above Rs 2.00 Lakh and upto Rs 5.00 Lakh
|
BPLR-3.00%=11.00%
BPLR-2.50%=11.50%
BPLR-1.00%=13.00%
|
|
Other Priority Sector [RETAIL TRADE] :
|
|
|
Loans upto Rs 2.00 Lakh
Loans above Rs 2.00 Lakh and upto Rs 5.00 Lakh
|
BPLR-0.50%=13.50%
BPLR = 14.00%
|
|
14
|
V-Rakshak
|
|
BPLR–0.50%=13.50%
|
BPLR–0.50%=13.50%
|
| | 
