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The Debit Card offers at a glance.
$All unrated claims on Corporates, AFCs, and NBFC-IFCs having aggregate exposure from banking system of more than INR 100 Crores which were rated earlier and subsequently have become unrated or having aggregate exposure from banking system of more than INR 200 Crores.
Following Interest Rate factors to be added in ROI for all Term Loan Accounts under B1, B2 & B3 (internally rated), over and above the spread prescribed under the above Master Table:
Under the MCLR system, the interest rate applicable to an account shall remain fixed during the reset period, which is applicable on all loans sanctioned & renewed w.e.f. 01.04.2016 and all Base Rate linked loans desiring to shift to MCLR system. The reset period will be one year in all loans.
All working capital advances will link with one year MCLR and Term Loan on floating rate will linked with MCLR of Respective Maturity except those loans which are specifically linked with particular MCLR.
In any case, interest rate on advances shall not be below the MCLR, wherever ROI is linked to MCLR.
Advances where valid External Risk Rating is not available or external rating expired be treated as unrated category.
Loans up to Rs. 50 lakh to
Individual farmers [including Self Help Groups (SHGs) or Joint Liability Groups (JLGs) i.e. groups of individual farmers, provided banks maintain disaggregated data on such loans] engaged in Agriculture & allied activities,
Corporates, Partnership firms and institutions engaged in Agriculture and Allied activities.
*The above ROI will be applicable up to 30.09.2018 for all accounts with Credit Risk Rating B3 (Score >40) and above wherever applicable.
*The above rate shall apply when the bills are realized as per the original tenor of the bill. In case of bills not realized as per the original tenor of the bill, interest is to be recovered at MCLR (1 year) + 6.00% for the particular bill from the due date, for the overdue period.
Upto 270 days
Against incentives receivable from Govt. covered by ECGC Guarantee (upto 90 days)
Demand bills for transit period (as specified by FEDAI)
Usance bills (For total period comprising usance period of export bills, transit period as specified by FEDAI and grace period, wherever applicable).Upto 180 days
Overdue bills upto 180 days from the date of advance
Against undrawn balance (upto 90 days)
Against retention money (for supplies portion only) payable within one year from the date of shipment (upto 90 days)
Deferred credit for the period beyond 180 days.
A1 / >80
A2 / > 70 = 80
A3 / > 64 = 70
A4 / > 58 = 64
B1 / > 52 = 58
B2 / > 46 = 52
B3 / > 40 = 46
C1 / > 35 = 40
C2 / > 25 = 35
C3 / = 25
7% upto outstanding of Rs. 3.00 Lacs and over Rs. 3.00 Lacs as per Master Table (Other than MSME)
As per Master Table (Other than MSME)
7% upto outstanding of Rs. 3.00 Lacs and over Rs. 3.00 Lacs As per Master Table (Other than MSME)
7% upto outstanding of Rs. 3.00 Lacs and over Rs. 3 Lacs As per Master Table (Other than MSME)
*The concessions in respect of financing to rural godowns and cold storages (both for working capital and term loan) shall be applicable to sanctioned limits above Rs. 20 Lacs only. *It would remain applicable upto 31.03.2019 for working capital loans sanctioned/ renewed and Term Loans sanctioned/ reviewed during current FY 2018-19.
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