ANNEXURE-1A
INTEREST RATE RANGE ON LOANS AND ADVANCES TO INDIVIDUALS UNDER RETAIL LENDING FOR THE PAST QUARTER- MAR-2025
|
SCHEME
|
RANGE OF ROI
|
ROI MEAN %
|
|
Housing Loan
|
8.15% TO 11.35%
|
9.75%
|
|
Mortgage against IP Loan
|
Term Loan
|
10.15% to 13.50%
|
11.825%
|
|
OD
|
10.65% to 14.75%
|
12.70%
|
|
Reverse Mortgage Loan
|
11.75 to 12.75%
|
12.25%
|
|
Housing Loan Top Up
|
Term Loan
|
9.35 to 10.85%
|
10.10%
|
|
OD
|
10.35 to 11.85%
|
11.10%
|
|
Car Loan
|
8.55% to 11.35%
|
9.95%
|
|
Two Wheeler Loan
|
11.75% to 13.25%
|
12.50%
|
|
Power Ride
|
10.90 TO 11.90%
|
11.40%
|
|
Education Loan
|
7.85% to 12.50%
|
10.175%
|
|
Personal Loan
|
10.15% to 17.70%
|
13.925%
|
|
Personal Loan to Pensioners
|
11.50% to 12.50%
|
12.00%
|
|
Earnest Money Deposit
|
9.25%
|
9.25%
|
ANNEXURE-1B
II) PROCESSING FEES AND DOCUMENTATION CHARGES EXCLUDING SERVICE TAX IS AS UNDER: FOR THE PAST QUARTER- MAR- 2025
|
Schemes
|
Processing Fees
|
Documentation Charges
|
|
Housing Loan
|
@ 0.35% of the loan amount (Min 2500/- & Max 15000/-)
Min- Rs.2,500/- + Taxes
Max Rs.15,000/- + Taxes
(Nil under PNB Festival Bonanza Offer, PNB Pride & takeover cases)
|
Rs.1350/- + Taxes
(Nil under PNB Festival Bonanza Offer, PNB Pride & takeover cases)
|
|
Mortgage against IP Loan
|
Term Loan / Overdraft: 0.75% of the loan Amount (Maximum – Rs.1,00,000/- + Taxes )
|
For Loan up to Rs. 50 lakh – Rs. 2500/- + Taxes.
For Loan above Rs. 50 lakh – Rs. 5,000/- + Taxes.
|
|
Reverse Mortgage Loan
|
Half month’s Loan installment subject to Maximum Rs. 15000/- + Taxes
|
NIL
|
|
Overdraft to Housing Loan Borrowers
|
NIL
|
Rs.450/- + Taxes
(Nil under PNB Festival Bonanza Offer)
|
|
Car Loan
|
@ 0.25% of loan amount,
Minimum - Rs. 1,000/- Maximum- Rs. 1,500/- + Taxes
Nil Documentation charges
|
|
Two Wheeler Loan
|
@ 0.50% of the loan amount
Min- Rs. 500/- + Taxes
Max- Rs.1000/- + Taxes
|
|
Power Ride
|
@ 0.50% of the loan amount
Min- Rs. 500/- + Taxes
Max- Rs.1000/- + Taxes
|
|
Education Loan
|
For Studies in India- NIL
For Studies abroad- 1%
Minimum Rs.10,000/- (Refundable after 1st Disbursement)
|
NIL
|
|
Personal Loan
|
1.00% of loan amount + Taxes
|
Upto 2 lakh Rs. 270/- + Taxes
Above 2 Lakh Rs. 450/- + Taxes
|
|
Personal Loan to Pensioners
|
NIL
|
Rs.500/- + Taxes
|
|
Earnest Money Deposit
|
Nil
|
Nil
|
ANNEXURE-1C
iii) ANNUAL PERCENTAGE RATE AFTER TAKING INTO ACCOUNT PROCESSING FEES AND DOCUMENTATION CHARGES ON A LOAN OF Rs. 1,00,000/- (ONE LAKH) IS AS UNDER: FOR THE PAST QUARTER – MAR- 2025
|
SCHEME
|
RANGE OF ROI
|
APR%
|
|
MIN
|
MAX
|
|
Housing Loan
|
8.15% TO 11.35%
|
8.19
|
12.15
|
|
Mortgage against IP Loan
|
Term Loan
|
10.15% to 13.50%
|
10.28
|
13.65
|
|
OD
|
10.65% to 14.75%
|
11.10
|
15.25
|
|
Reverse Mortgage Loan
|
11.75 to 12.75%
|
11.75
|
12.75
|
|
Housing Loan Top Up
|
Term Loan
|
9.35 to 10.85%
|
9.71
|
11.21
|
|
OD
|
10.35 to 11.85%
|
10.71
|
12.21
|
|
Car Loan
|
8.55% to 11.35%
|
8.86
|
11.68
|
|
Two Wheeler Loan
|
11.75% to 13.25%
|
11.97
|
13.47
|
|
Power Ride
|
10.90 TO 11.90%
|
11.12
|
12.12
|
|
Education Loan
|
7.85% to 12.50%
|
7.85
|
12.50
|
|
Personal Loan
|
10.15% to 17.70%
|
10.62
|
18.21
|
|
Personal Loan to Pensioners
|
11.50% to 12.50%
|
11.69
|
12.69
|
|
Earnest Money Deposit
|
9.25%
|
9.25
|
9.25
|