Loan Against Securities And Consumer Durable Loans

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Loan Against Securities And Consumer Durable Loans

Loans Against Securities & Loan Against Bank Time Deposit (TDR/STDR) / FCNR(B) Deposit – Rate Of Interest (w.e.f. 10.05.2020)

I. Loans Against Securities

Scheme 1 year MCLR Spread over 1 year MCLR Effective Interest Rate
Loan against Shares, Mutual Funds & Dual Advantage Fund 7.25% 2.50% 9.75%
Loan against SGB 7.25% 2.00% 9.25%
Loan against NSC/ KVP/ RBI Relief Bond/ Surrender Value of SBI Life/ LIC/ SBI Magnum 7.25% 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 7.90%).

III. GOLD LOAN

Secured Personal Loans (3/3)
Scheme 1 year MCLR Spread over 1 year MCLR Effective Interest Rate
Gold Loan(all variants) 7.25% 1.25% 8.50%
Realty Gold Loan - A Gold Loan Product exclusively for SBI Housing Loan Customers (all variants) 7.25% 0.50% 7.75%

IV. CONSUMER DURABLES & ECOMMERCE SCHEMES

Unsecured Personal Loans
Scheme 2 year MCLR Spread over 2 year MCLR Effective Interest Rate
DL for e-Commerce purchases (Online EMI) 7.45% 7.50% 14.95%
DL for e-Commerce purchases (POS EMI) 7.45% 7.50% 14.95%

Interest Rates

6.95% p.a.

w.e.f. 01.07.2020

*T&C Apply.

 

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