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Display of RBI Norms

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
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