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. 10.06.2020)
I. Loans Against Securities
Scheme | 1 year MCLR | Spread over 1 year MCLR | Effective Interest Rate |
---|---|---|---|
Loan against Shares, Mutual Funds & Dual Advantage Fund | 7.00% | 2.50% | 9.75% |
Loan against SGB | 7.00% | 2.00% | 9.25% |
Loan against NSC/ KVP/ RBI Relief Bond/ Surrender Value of SBI Life/ LIC/ SBI Magnum | 7.00% | 4.65% | 11.90% |
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 7.20%). |
Last Updated On : Monday, 07-03-2022

Interest Rates
2.70% p.a.
Upto 1 lakh(w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Upto 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
5.45%
3 years to less than 5 year
5.50%
5 years to less than 10 years
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Loan Against Securities And Consumer Durable Loans

Criteria
- Features
- Eligibility
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Interest Rates
2.70% p.a.
Upto 1 lakh(w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Upto 1 lakh (w.e.f. 31.05.2020)
2.70% p.a.
Above 1 lakh (w.e.f. 31.05.2020)
5.45%
3 years to less than 5 year
5.50%
5 years to less than 10 years