HOME LOANS: SPECIAL RATES UPTO 31.07.2017


I. 2 YEAR FIXED INTEREST HOME LOANS (Term Loan) – HAMARA GHAR :

A. 2 year Fixed Interest Rate loans (Term Loans): For Salaried Borrowers (%):
  Upto Rs. 30 lacs

Women

35 bps above 1 year MCLR, ER: 8.35

Others

40 bps above 1 year MCLR, ER: 8.40

B. 2 year Fixed Interest Rate loans (Term Loans): Non-Salaried Borrowers (%) :
  Upto Rs. 30 lacs

Women

50 bps above 1 year MCLR, ER: 8.50

Others

55 bps above 1 year MCLR, ER: 8.55


II. FLOATING INTEREST RATE HOME LOANS (Term Loan) INCLUDING CRE HL:

A. Floating Interest Rate Structure (Term Loans): For Salaried Borrowers (%):
  Upto Rs. 30 lacs

Women

35 bps above 1 year MCLR, ER: 8.35

Others

40 bps above 1 year MCLR, ER: 8.40

B. Floating Interest Rate Structure (Term Loans): Non-Salaried Borrowers (%):
  Upto Rs. 30 lacs

Women

50 bps above 1 year MCLR, ER: 8.50

Others

55 bps above 1 year MCLR, ER: 8.55


HOME LOANS: CARD RATES :



III. FLOATING INTEREST CARD RATE HOME LOANS (Term Loans) including CRE HL:

A. Floating Interest Card Rate Structure (Term Loans): For Salaried Borrowers (%):
  Upto Rs.75 lacs Above Rs.75 lacs
RG-1, 2 ,3 RG-4, 5, 6 RG-1, 2, 3 RG-4, 5, 6

Women

1 year MCLR+50 bps, ER:8.50
1 year MCLR+60 bps, ER:8.60
1 year MCLR+65 bps, ER:8.65
1 year MCLR+75 bps, ER:8.75

Others

1 year MCLR+ 55 bps, ER:8.55
1 year MCLR+65 bps, ER:8.65
1 year MCLR+70 bps, ER:8.70
1 year MCLR+ 80 bps, ER:8.80

B. Floating Interest Card Rate Structure (Term Loans):For Non-Salaried Borrowers (%) :
  Upto Rs.75 lacs Above Rs.75 lacs
RG-1, 2 ,3 RG-4, 5, 6 RG-1, 2, 3 RG-4, 5, 6

Women

1 year MCLR+ 60 bps, ER:8.60
1 year MCLR+ 70 bps, ER:8.70
1 year MCLR+75 bps, ER:8.75
1 year MCLR+ 85 bps, ER:8.85

Others

1 year MCLR+ 65 bps, ER:8.65
1 year MCLR+ 75 bps, ER:8.75
1 year MCLR+ 80 bps, ER:8.80
1 year MCLR+90 bps, ER:8.90


IV. MAXGAIN - FLOATING INTEREST CARD RATE HOME LOANS (Including CRE HL):

A. Maxgain- Floating Interest Card Rate Structure: For Salaried Borrowers (%):
  Rs. 20 lacs to Rs.75 lacs Above Rs.75 las & upto Rs.3 crs
RG-1, 2 ,3 RG-4, 5, 6 RG-1, 2, 3 RG-4, 5, 6

Women

1 year MCLR+65 bps, ER: 8.65
1 year MCLR+75 bps, ER: 8.75
1 year MCLR+80 bps, ER: 8.80
1 year MCLR+90 bps, ER: 8.90

Others

1 year MCLR+70 bps, ER: 8.70
1 year MCLR+80 bps, ER: 8.80
1 year MCLR+85 bps, ER: 8.85
1 year MCLR+95 bps, ER: 8.95

B. Maxgain - Floating Interest Card Rate Structure: For Non-Salaried Borrowers (%):
  Rs.20 lacs to Rs.75 lacs Above Rs.75 las & upto Rs.3 crs
RG-1, 2 ,3 RG-4, 5, 6 RG-1, 2, 3 RG-4, 5, 6

Women

1 year MCLR+75 bps, ER: 8.75
1 year MCLR+85 bps, ER: 8.85
1 year MCLR+,90 bps ER: 8.90
1 year MCLR+100 bps, ER: 9.00

Others

1 year MCLR+80 bps, ER: 8.80
1 year MCLR+90 bps, ER: 8.90
1 year MCLR+95 bps, ER: 8.95
1 year MCLR+105,ER:9.05


HOME TOP UP LOANS: CARD RATES :



I. INSTA HOME TOP UP LOAN :

A. Floating Interest Card Rate Structure (Term Loans): For Salaried Borrowers (%):

Insta Home Top Up Loan (Rs.1 lac to Rs.5 lacs)

1% above 1 year MCLR, present ER: 9%, irrespective of Risk Grades, gender and occupation (No change).

HOME TOP UP LOANS (other than Insta Home Top Up Loans) :
FOR SALRIED BORROWERS :
  Term Loan Overdraft
RG-1, 2 ,3 RG-4, 5, 6 RG-1, 2, 3 RG-4, 5, 6

1. TL upto Rs. 25 lacs
2. Overdraft Above Rs 20 lacs and upto Rs 25 lacs

1 year MCLR+,60 bps, ER: 8.60% [
1 year MCLR+70 bps, ER: 8.70%
1 year MCLR+175 bps, ER: 9.75%
1 year MCLR+200 bps, ER: 10.00%

TL and Overdraftabove Rs.25 lacs and upto Rs.2 crores

1 year MCLR+100 bps, ER: 9.00%
1year MCLR+110 bps, ER: 9.10%
1 year MCLR+ 200 bps ER:10.00%
1 year MCLR+225 bps, ER: 10.25%

Above Rs.2 crores and upto Rs. 5 crores

1 year MCLR+180 bps, ER: 9.80%
1year MCLR + 190 bps, ER: 9.90%


FOR NON - SALRIED BORROWERS:
  Term Loan Overdraft
RG-1, 2 ,3 RG-4, 5, 6 RG-1, 2, 3 RG-4, 5, 6

1. TL upto Rs. 25 lacs
2. Overdraft Above Rs 20 lacs and upto Rs 25 lacs

70 BPS above 1 year MCLR, ER: 8.70%
80 BPS above 1 year MCLR, ER: 8.80%
200 BPS above 1 year MCLR, ER:10.00%
225 BPS above 1 year MCLR, ER: 10.25%

TL and Overdraftabove Rs.25 lacs and upto Rs.2 crores

1.10% above 1 year MCLR, ER: 9.10%
1.20% above 1 year MCLR, ER: 9.20%
225% above 1 year MCLR, ER: 10.25%
250% above 1 year MCLR, ER: 10.50%

Above Rs.2 crs & upto Rs.5 crs

1.90% above 1 year MCLR, ER: 9.90%
2.00% above 1 year MCLR, ER: 10.00%