ROI for Retail & MSME Advances

 

ANNEXURE-I

 

RETAIL CREDIT

 

1 YEAR MCLR AT 8.75% P.A. W.E.F.. 14.12.2018

 

Sl. No.

Type of Loans & Advances

Rate of interest in percentage (%) p.a.@ 1 year MCLR 8.75%

1

V -CASH

 

a) General

1 YEAR MCLR+5.00%=13.75%

b) Pensioners

1 YEAR MCLR+4.00%=12.75%

2

Vijaya Home Loan

1 YEAR MCLR= 8.75%

3

V-Elite Home Loan

1 YEAR MCLR= 8.75%

4

Loan to 3rd dwelling unit onwards

1 YEAR MCLR+1.00%= 9.75%

5

Vijaya Home Loan Plus

1 YEAR MCLR+3.20%=11.95%

6

Vijay Kisan Home Loan

1 YEAR MCLR= 8.75%

7

Vijaya Top-up Loan

 

a) Secured

1 YEAR MCLR+3.20%=11.95%

 

b) Unsecured

1 YEAR MCLR+4.20%=12.95%

    8

V-Wheels

 

a)   V-Wheels-4 wheelers

1 YEAR MCLR+ 0.95%= 9.70%

 

b) Second hand  -  4 wheelers

1 YEAR MCLR+ 3.15%=11.90%

 

c)   V-Wheels-2 wheelers

1 YEAR MCLR+ 3.15%=11.90%

9

V- Combo

1 YEAR MCLR+0.80% =9.55%

(Vehicle loan for Home Loan customers)

10

V-Vehicle

1 YEAR MCLR+2.50%=11.25%

11

V-Cab

1 YEAR MCLR+2.50%=11.25%

12

Small Road Transport Operators (SRTO)

 

 

a)   Upto and inclusive of Rs.25.00 Lakh

1 YEAR MCLR+2.50%=11.25%

 

b)   Above Rs.25.00 Lakh

1 YEAR MCLR+2.75%=11.50%

13

Education Loan

13a

IBA Model Education Loan Scheme for Higher Education*

 

 

a)    Amount upto & Inclusive of Rs.4.00 Lakhs

1 YEAR MCLR + 2.15% = 10.90%

 

b)    Above Rs.4.00 Lakhs upto & inclusive of Rs.7.50 Lakhs

1 YEAR MCLR + 2.15% = 10.90%

 

c)    Above Rs.7.50 lakhs

1 YEAR MCLR + 2.00%  = 10.75%

 

d)    Students admitted to Top Rated Institutions

1 YEAR MCLR =  8.75%

13.b

IBA Model Education Loan Scheme vocational Education & Training Courses (HOC 12158). (scheme discontinued)

1 YEAR MCLR+ 2.75% =  11.50%

13.c

Education loan to student admitted under Management Quota (Non-IBA)

1 YEAR MCLR + 3.50% = 12.25%

13.d

IBA Model Education Loan scheme for Skill Development.

1 YEAR MCLR + 1.65% = 10.40%

13.e

Education Loan to Indian School of Business student)

Merged with 13.a(d)

13.f

Education Loan to the students of Premier Central Institutions

Merged with 13.a(d)

 

*i). Concession of 0.50% in ROI for girl students for above mentioned schemes

 ii). Int. concession of 0.50%  for V-Gen Uth account holders for the last 5 years

 iii). For Education loans availed by our staff/wards of staff/retired staff, Interest concession is eligible to the extent of maximum of 1.50% for girl students and 1% for boy students (including additional 0.50% for girl student and 0.50% for V-GenUth account holder) over and above the card rate as applicable to general public.

 iv). However the ultimate rate of interest should not be below 1 YEAR MCLR in any case.

14

Jewel Loan

 

a)   Non Agriculture purpose

 

i) Up to and inclusive of Rs. 2.00 lakhs

1 YEAR MCLR+1.25%=10.00%

ii) Above Rs. 2.00 lakhs

1 YEAR MCLR+1.50%=10.25%

 

 

b)    Agriculture purpose

i) For short term crop loans up to Rs.3 lacs where interest subvention is available.

 

 

7%

 

 

For Agriculture & Allied Activities other than under interest subvention scheme.

 

i)  Upto & inclusive of Rs.2 lacs

1 YEAR MCLR +1.25%=10.00%

 

ii)  Above Rs.2 lacs

1 YEAR MCLR+1.50%=10.25%

 

b)   Jewel Loans availed by Home loan borrowers

 

i) Up to and inclusive of Rs. 2.00 lakhs

1 YEAR MCLR+1.00%=9.75%

ii) Above Rs. 2.00 lakhs

1 YEAR MCLR+1.25%=10.00%

15

Vijaya Mangala

1 YEAR MCLR + 3.45% = 12.20%

16

V-Mortgage Loan

1 YEAR MCLR + 2.00% = 10.75%

17

V-Reverse Mortgage (with reset clause once in every 5 years)

10.90% (fixed)

18

V-Auditor

1 YEAR MCLR+2.50% = 11.25%

19

V-Doctor

1 YEAR MCLR+2.50% = 11.25%

20

V–Entrepreneur

1 YEAR MCLR+2.75% = 11.50%

21

V-Restaurant

1 YEAR MCLR+3.00% = 11.75%

22

V-Dhanya-Rice Mill

 

Upto & inclusive of Rs. 100.00 lakh

1 YEAR MCLR+3.00% = 11.75%

 

Above Rs.100.00 lakh

1 YEAR MCLR+3.50%=12.25%

23

V-Dhanya-Dal Mill

 

Upto & inclusive of  Rs. 100.00 lakh

1 YEAR MCLR+3.00%=11.75%

 

Above Rs.100.00 lakh

1 YEAR MCLR+4.00%=12.75%

24

V-Dhanya-Flour Mill

 

Upto & inclusive of Rs. 100.00 lakh

1 YEAR MCLR+3.00%=11.75%

 

Above Rs.100.00 lakh

1 YEAR MCLR+4.00%=12.75%

25

V-Swadesh

 

a)    Upto & inclusive of Rs.5 Cr

1 YEAR MCLR+2.95%=11.70%

 

b)    Above Rs.5 Cr

1 YEAR MCLR+3.20%=11.95%

26

MSE Vijay (Scheme discontinued)

 

a)     Upto & inclusive of Rs.10.00 Lakh

1 YEAR MCLR+1.95%=10.70%

 

b)      Above Rs.10.00 Lakh  

1 YEAR MCLR+2.45%=11.20%

27

V-Cashew

 

 

a)    Covered by CGTMSE

1 YEAR MCLR+1.25%=10.00%

 

b)    Not covered by CGTMSE

1 YEAR MCLR+2.25%=11.00%

 

c) CC(processing)

1 YEAR MCLR+2.80%=11.55%

28

VSOD

1 YEAR MCLR+3.95%=12.70%

29

V-Swashakthi

As applicable for Micro manufacturing/Service Enterprises (MSEs)

30

V-Solar

 

For lighting/heating

1 YEAR MCLR + 3.80% = 12.55%

31

V-Professional (Scheme discontinued)

 

a) Rural / Semi-urban

1 YEAR MCLR+5.45%=14.20%

b) Others

1 YEAR MCLR+6.45%=15.20%

32

V-Equip

 

a) Where Salary is credited with us

1 YEAR MCLR+3.25%=12.00%

b)    for others

1 YEAR MCLR+4.25%=13.00%

33

V- Mudra Card

1 YEAR MCLR+1.30%=10.05%

34

V-Mudra Weavers’ Card

 

 

a)    Upto and inclusive of Rs.50000/-

1 YEAR MCLR+1.50%=10.25%

 

b)    Above Rs.50000 and upto & inclusive of Rs.2.00 Lakhs

1 YEAR MCLR+2.00%=10.75%

 

c)    Above Rs.2.00 Lakhs and upto &  inclusive of Rs.5.00 Lakhs

1 YEAR MCLR+2.75%=11.50%

35

PMJDY Overdraft

1 YEAR MCLR+2.95%=11.70%

36

V-Rent

 

a)    Upto 5 years

1 YEAR MCLR+3.15%=11.90%

 

b)    Above 5 years

1 YEAR MCLR+3.65%=12.40%

 

 Annexure-II

OTHER LOANS & ADVANCES

PART- A

MSME CREDIT

 1 YEAR MCLR AT 8.75% P.A. W.E.F. 14.12.2018

 

Micro, Small and Medium Enterprises (MSME):

Rate of interest in percentage (%) p.a.@ 1 year MCLR 8.75 %

(A)      Micro Manufacturing Enterprises:

 

i)     Loans upto & inclusive of Rs.50,000/-

1 YEAR MCLR+1.35%= 10.10%

ii)    Above Rs.50,000 upto & inclusive of  Rs.2.00 lakh

1 YEAR MCLR+1.85%=10.60%

iii)   Above Rs.2.00 lakh upto & inclusive of Rs.25.00 lakh

1 YEAR MCLR+2.60%=11.35%

iv)   Above Rs.25.00 lakh upto & inclusive of  Rs.50.00 lakh

1 YEAR MCLR+2.85%=11.60%

v)    Above Rs.50.00 lakh

1 YEAR MCLR+3.60%=12.35%

(B)      Micro Service Enterprises:

 

i)     Loans upto & inclusive of  Rs.50,000/-

1 YEAR MCLR+1.85%=10.60%

ii)    Above Rs.50,000 upto & inclusive of    Rs.2.00 lakh

1 YEAR MCLR+2.35%=11.10%

iii)   Above Rs.2.00 lakh upto & inclusive of  Rs.25.00 lakh

1 YEAR MCLR+2.85%=11.60%

iv)   Above Rs.25.00 lakh

1 YEAR MCLR+3.60%=12.35%

(C)      Small Manufacturing Enterprises: 

 

i)     Loans upto & inclusive of  Rs.50,000/-

1 YEAR MCLR+2.10%=10.85%

ii)    Above Rs.50,000 upto & inclusive of    Rs.2 lakhs

1 YEAR MCLR+2.60%=11.35%

iii)   Above Rs.2.00 lakhs upto & inclusive of  Rs.25.00 lakhs

1 YEAR MCLR+3.35%=12.10%

iv)   Above Rs.25.00 lakhs upto & inclusive of  Rs.50.00 lakhs

1 YEAR MCLR +3.60%=12.35%

v)    Above Rs.50.00 lakhs upto & inclusive of  Rs.1.00 crore

1 YEAR MCLR+3.85%=12.60%

vi)   Above Rs.1.00 crore

1 YEAR MCLR+4.35%=13.10%

(D)      Small Service Enterprises:

 

i)     Loans upto & inclusive of  Rs.50,000/-

1 YEAR MCLR+2.60%=11.35%

ii)    Above Rs.50,000 upto & inclusive of    Rs.2.00 lakhs

1 YEAR MCLR+3.10%=11.85%

iii)   Above Rs.2.00 lakhs upto & inclusive of  Rs.25.00 lakhs

1 YEAR MCLR+3.85%=12.60%

iv)   Above Rs.25.00 lakhs upto & inclusive of  Rs.50.00 lakhs

1 YEAR MCLR+4.35%=13.10%

v)    Above Rs.50.00 lakhs

1 YEAR MCLR+4.60%=13.35%

(E)Medium Manufacturing and Service Enterprises

 

i)     Loans upto & inclusive of  Rs.1.00 crore

1 YEAR MCLR+4.35%=13.10%

ii)    Above Rs.1.00 crore and upto  & inclusive of  Rs.5.00 crore

1 YEAR MCLR+4.60%=13.35%

iii)   Above Rs.5.00 crore

1 YEAR MCLR+4.85%=13.60%

 

Working capital loan covered under Co-financing & re-financing schemes of SIDBI

1 YEAR MCLR=8.75%

 

 

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