ANNEXURE-1A
INTEREST RATE RANGE ON LOANS AND ADVANCES TO INDIVIDUALS UNDER RETAIL LENDING FOR THE PAST QUARTER- MARCH 2016
|
Schemes |
Range |
Mean |
|
Housing Loan |
9.45% TO 11.50% |
10.475% |
|
Mortgage against IP Loan |
11.15% TO 15.40% |
13.275% |
|
Reverse Mortgage Loan |
12% |
12% |
|
Overdraft to Housing LoanBorrowers |
10% |
10% |
|
Car Loan |
9.65% TO 10.00% |
9.825% |
|
Two Wheeler Loan |
12.50% TO 14% |
13.25% |
|
Power ride (for women) |
11% |
12.50% |
|
Education Loan |
9.50% TO 12.50% |
11% |
|
Personal Loan |
12.50% TO 15.50% |
14% |
|
Personal Loan to Pensioners |
12% TO 12% |
12% |
|
Gold Loan |
11% TO 12% |
11.50% |
ANNEXURE-1B
II) PROCESSING FEES AND DOCUMENTATION CHARGES EXCLUDING GST ISAS UNDER: FOR THE PAST QUARTER- MARCH 2016
|
Schemes |
Processing Fees |
Documentation Charges |
|
Housing Loan |
*NIL |
Rs.1350/- |
|
Mortgage against IP Loan |
Term Loan: 0.90% of the loan Amount (Maximum Rs 45,000/-) Overdraft: Rs 300/- per lac or part thereof. |
Rs. 1500/- |
|
Reverse Mortgage Loan |
Half month’s Loan installment Maximum Rs. 15000/- |
NIL |
|
Overdraft to Housing Loan Borrowers |
NIL |
Rs.450/- |
|
Car Loan |
*NIL |
*NIL |
|
Two Wheeler Loan |
*NIL |
275/- |
|
Power Ride |
Rs 500/- |
*NIL |
|
Education Loan |
For Studies in India- NIL For Studies abroad- 1% Minimum Rs.10000/- (Refundable after 1st Disbursement) |
Upto Rs.4 lac – Rs.270/-
Above Rs.4 lac- Rs.450/- |
|
Personal Loan |
*NIL |
Upto 2 lac Rs. 270/-
Above 2 Lac Rs. 450/- |
|
Personal Loan to Pensioners |
NIL |
Rs.500/- |
|
Gold Loan |
0.70% |
Upto Rs. 2 lac- Rs. 270/-
Above Rs. 2 lac- Rs. 450/- |
*During Festival Bonanza from 01.09.15 to 31.12.15
ANNEXURE-1C
iii)ANNUAL PERCENTAGE RATE AFTER TAKING INTO ACCOUNT PROCESSING FEES AND DOCUMENTAION CHARGES ON A LOAN OF RS. 100,000/- (ONE LAC) IS AS UNDER: FOR THE PAST QUARTER- March 2016
|
SCHEME |
RANGE OF ROI |
FLOATING |
FIXED |
|
APR |
APR |
|
|
|
MIN |
MAX |
MIN |
MAX |
|
|
|
|
|
|
|
|
Housing Loan* |
9.45% TO 11.50% |
9.66 |
11.74 |
10.17 |
10.17 |
|
Mortgage against IP Loan* Term Loan
OD
|
11.15% TO 15.40% |
11.93 |
16.22 |
NA |
NA |
|
11.15% TO 14.90% |
11.59 |
15.37 |
NA |
NA |
|
Reverse Mortgage Loan |
12.00% |
NA |
NA |
12.03 |
12.03 |
|
Overdraft to Housing Loan Borrowers |
10.0% |
10.85 |
10.85 |
NA |
NA |
|
Car Loan* |
9.65% TO 10.00% |
9.97 |
10.32 |
10.22 |
10.22 |
|
Two Wheeler Loan* |
12.60 TO 14.00% |
12.84 |
14.25 |
NA |
NA |
|
Power Ride |
11.00% |
11.40 |
11.40 |
NA |
NA |
|
Education Loan |
9.50% TO 12.50% |
9.55 |
12.55 |
NA |
NA |
|
Personal Loan* |
12.50% TO 15.50% |
13.39 |
16.41 |
NA |
NA |
|
Personal Loan to Pensioners |
12.00% |
12.50 |
12.50 |
NA |
NA |
|
Gold Loan |
11.00% TO 12.00% |
12.83 |
13.84 |
NA |
NA |