Loan against Securities and Consumer Durable Loans - Interest Rates
Loan Against Securities And Consumer Durable Loans
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Loans Against Securities & Loan Against Bank Time Deposit (TDR/STDR) / FCNR(B) Deposit – Rate Of Interest (w.e.f. 15.02.2023)
I. Loans Against Securities
Scheme | 1- year MCLR | Spread over 1 year MCLR | Effective Interest Rate |
---|---|---|---|
Loan against Shares, Mutual Funds & Dual Advantage Fund | 8.50% | 2.50% | 11.00% |
Loan against SGB | 8.50% | 2.00% | 10.50% |
Loan against NSC/ KVP/ RBI Relief Bond/ Surrender Value of SBI Life/ LIC/ SBI Magnum | 8.50% | 2.50% | 11.00% |
II. LOAN AGAINST BANK TIME DEPOSIT (TDR/STDR) / FCNR (B) DEPOSIT
Loan against Bank’s Time Deposits (Domestic) | 1.00% over the rate of interest paid on the relative Time Deposits offered as security irrespective of the loan amount. |
Loan against NRO Fixed Deposits | 1.00% over the rate of interest paid on the relative Time Deposits offered as security irrespective of the loan amount. |
Loan against NRE Fixed Deposits | 1.00% over the rate of interest paid on the relative Time Deposits offered as security irrespective of the loan amount. |
Loan against FCNR (B) Deposit | 2.90% over 1 year MCLR (presently 1 year MCLR is 8.50%). |
Last Updated On : Friday, 17-02-2023

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above
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Loan Against Securities And Consumer Durable Loans

Criteria
- Features
- Eligibility
- Terms and Conditions

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above