Annexure to circular no 2023/adv/16 dated 15.04.2023 For Internal Circulation Only Description rate of interest wef 21.04.2023 1 | KCC Including Fisheries & Animal Husbandry, poultry) Up to 3 lakh ( only regular account) 7.00% Up to 3 lakh ( irregular account) 11.00 % Above 3 Lakhs 11.00% KCC maintenance account 11.00 % 2 NRLM. NRLM upto SLakhs 7.00% NRLM Above 5 Lakhs 12.00% 3 | - Agriculture Loan/Allied Agriculture Loan - Individual /Self Help Groups( on lending including WSHG/SHG/JLG) (including Govt. Sponsored schemes) (Upto Rs 2.00 Lakh/- 11.50% (ii) Above Rs 2.00 Lakh 11.75% ‘Term Loan for Farm Machines i.e. Tractor, Power Triller, Combine Harvester & accessories etc. 11.75% 4 | SME Cash Credit Limit - Direct - Small Business/Small Industries/Transport (other than ABL) (i) upto Rs 10.00 Lakh 11.75% (ii) Above Rs 10.00 | Group 1: CIBIL Score 750 & 11.25% Lakh upto Rs 50.00 | above Lakh Group 2 : CIBIL Score 700 to 11.50% 749 (including -1 & 101 to 200) ) | Group 3 : All other cases other 12.25% than Group 1&2 (iii) Above Rs 50.00 Lakh Rebate of 0.25% will be available in each above group. Note : For loan amount more than Rs 10.00 lakh, loan amount or more less than 100% of the loan amount. 50% and less than 75 % of the loan amount . additional concession of 0.25% in interest rates. a, Concession of 0.75 % will be available, if the realizable value of collateral security is 100 % of the b. Concession of 0.50% will be available, if the realizable value of collateral security is upto 75 % and Concession of 0.25% will be available, if the realizable value of collateral security is more than 4. For loan above Rs 50.00 lakh- If the unit is in existence for minimum three years, is in profit for three years and 60% of the sale proceeds is routed through bank account will also be eligible for CGFMU , including School Plus) 5 | SME Term Loan( Direct-Small Business /Small Industries /Transport-including covered und. than Group 1&2 (upto Rs 10.00 Lakh 11.50% (fi) Above Rs 10.00 | Group 1: CIBIL Score 750 & 11.00 % Lakh upto Rs 50.00 above e Lakh Group 2 : CIBIL Score 700 to 11.25% 749( including -1 & 101 to 200) Group 3 : All other cases other 12.00% i) Above Rs 50.00 Lakh Rebate of 0.25% will be available in each above group. Loan for construction equipments 1% higher in each group Note : For loan amount more than Rs 10.00 lakh, a. Concession of 0.75 % will be availabl f the realizable value of collateral security is 100 % of the seAnnexure to circular no 2023/adv/16 dated 15.04.2023 For Internal Circulation Only loan amount or more b. Concession of 0.50% will be available, ifthe realizable value of collateral security is upto 75 % and less than 100% of the loan amount ¢. Concession of 0.25% will be available, if the realizable value of collateral security is more than 50% and less than 75 % of the loan amount d. For loan above Rs 50.00 lakh- If the unit is in existence for minimum three years, is in profit for three years and 60% of the sale proceeds is routed through bank account will also be eligible for additional concession of 0.25% in interest rates. 6 | GECL Scheme GECL 1.0 Scheme (Circular No.2020/adv/30 dt 9.25% 26.06.2020) GECL 3.0 Scheme(Circular No.2021/adv/20 dt 9.25% 27.05.2021) GECL 4.0 Scheme(Circular No.2021 /adv/15 dt 750% 27.07.2021) |_7_| PM-SVAnidhi (Circular No.2020/adv/46 dt 11.00% | 28.08.2020) 8 | Doctor Plus 0.50% and 1.00 % rebate will be available ‘on all Groups as per the SME Cash | Credit/Term Loan respectively ‘SME Cash Credit Limit & Term Loan( Government Sponsored Scheme-Small Business/Small Industries/Transport ) {upto Rs 5.00 Lakh 12.25% (ii) above Rs 5.00 Lakh 12.50% 10. | MSSY(Mukhyamantri Soar Swarojgar Yojna) (Circular 10.50% No.2021/adv/32 dt 20.08.2021) 11_| General Purpose Credit Card 12.50% 12 | Personal Loan- Salary from our Bank TL/Reducing OD 12.00 % Loan against salary- TL/OD with reducing DP to Police 12.50% (PAI provided by bank ) 13 | Personal CIBIL Score 700 & above 13.00% Loan(TL) Salary from other CIBIL Score below 700 14.00% Banks. 14 | MOU Based Personal Loan. @ (0 Overdraft Revised MOU based personal loan 10.50% Limit. scheme for salaried employee. (For Clarification refer Circular no 2020/ADV/15 dt. 15.04.2020.) Old MOU based personal loan 175% : i scheme for salaried employee. (i) Term Loan 10.75 % al 15 | Loan against _ | For LAP against residential Property Mortgage of —_| Govt,/PSU Employee 10.60 % Property CIBIL Score 750 & 11.25% (Under Businessman above TL/Reducing CIBIL Score below TL75% DP Only) 750 at For LAP against Commercial Property Govt. PSU_Employee 10.60% Business man | CIBIL score 750 & Above 11.50% CIBIL score 12.00% below 750 |Annexure to citcular no 2023/adv/16 dated 15.04.2023 For Internal Circulation Only 16_| High Value LAP 13.00% 17 | Loan against Pension 11.75% Concession of 0.50% will be available for retired staff of UGB drawing pension from branch 16 | Housing Loan - Fixed Rate of Interest (Repayment maximum 180 months) including loan under Naveen Sarlikrit Avaas Yojna (upto Rs 25.00 Lakh 945% {li Above Rs 25.00 Lakh 9.55% 19 | Housing Loan - Floating Rate of Interest (repayment maximum 30 years arc Cibilscore | Salaried | Non salaried B00 &above | 8.85% | 9.05% uo 1a rears as a Additional concession of 0.10 % will be provided i : for loan upto Rs 25.00 lakh 650 to 699 920% | 945% | |__ Below 650 935% | 9.85% | ‘800 & above 8.80% | 9.00% 750 to 799 9.00% | 9.20% | Above Rs. 30 Lakh 700 to 74 9.10% | 9.30% | 650 to 699 935% | 9.60% | Below 650 9.50% | 9.85% | Note: Concession of 0.05% will be provided to women. ROI For CIBIL Score of (-1 & 101 to 200 ) | Salaried Person will be treated at par with Score 700-749 Non-Salaried will be treated at par with Score below 650-699 Rate of Interest under Home Loan- Tribal Plus will be 0.20% higher than the regular housing | Joan rates. 20 | Purchase of Plot of land for construction of a Dwelling Unit {(@)For First Five Years: Fixed CIBILScore | Salaried | Non-Salaried | 800 and above 9.20% 935% 750 to 799 9.30% 945% 700 t0 749 9.40% 955% 650 to 699" 9.60% 9.85% [ Below 650°* 9.70% 10.35% Concession of 0.05% will be available to women Interest rate if house construction is not completed within 5 years: An additional premium of @ 4.00% will be added to the final rate ,in case the construction of house is not completed and a completion certificate is not submitted by borrowers within the ulated period of 5 years from the date of first disbursement *Salaried Person:- will be treated at par with Score 700-749 *+Non-Salaried:- will be treated at par with Score 650-699 ’ 21 | Home Top- Up Loan For Priority Sector ‘As per Home Loan Interest For Non-Priority Sector 0.50% above from Home Loan ve &Annexure to circular no 2023/adv/16 dated 15.04.2023 For Internal Circulation Only 22 | Car Loan- New Car for personal use including SME/Agri. Car loan Scheme For Salaried Class For Non-salaried Class CIBIL Score Loan Tenure Loan Tenure Upto 5yrs. | Above S Yrs. | UptoSyrs. | Above 5 Yrs. 775 andabove | 8.75% 8.90% 8.85% 8.95% 750 to 74 8.90% 9.00% 8.90% 9.05% 700 to749* 9.15% 9.25% 9.25% 9.35% Below 700** | 9.60%. 9.70% 9.85% 10.10% ROI for CIBIL Score of (-1 & 101 to 200 ) will be treated * For salaried Person at par with Score 700-749 ** For Non-salaried Person at par with Score 650-699 Concession of 0.25% in interest rate will be available for loan for Electric Vehicles 23. | Car Loan- Old Car for personal use [are CIBIL Score 775 & above 9.75% CIBIL Score 750 to 774 9.90% CIBIL Score 700-749 10.15% CIBIL Score 650-699 10.60% ROI for CIBIL Score of (-1, 100 to 200 ) will be treated * For salaried Person at par with Score 700-749 ** For Non-salaried Person at par with Score 650-699 24 | Two wheeler Loan for Personal Use - CIBIL. Score 750 & above 10.00% CIBIL Score 700-749 10.25% CIBIL Score 650-699 10.75% Concession of 0.25% in interest rate will be available ROI for CIBIL Score of (-1 & 101-200) will be treated at par with 700-749 for loan for Electric Vehicles 25 _| Navjeevan Grah Urja Yojna (Solar Energy) 11.80% 26 [Demand Loan against Bank Security(for Agriculture 0.75% higher than the interest paid on purpose) security jemand Loan against Bank Security(for SME purpose) | 0.75% higher than the interest paid on security jemand Loan against Bank Security (for other purpose) 0.75% higher than the interest paid on securit Demand loan against Bank Security to Third Party 2.00% higher than the interest pi security 27 | Demand loan against LIC Policy/KVP/NSC 12.40 % 28 | Education Loan zs Upto Rs 4 Lakh 12.00% i) Above Rs 4.00 Lakh upto Rs 7.50 Lakh 10.90% (0.50 % rebate in case of girl student) i) Above 7.50 Lakh 10.70% (0.50% rebate in case of girl student) For student's completion of course through NEET, CLAT, IIT, IM, IIFT, IISC, XLRI, NIT, & studying MBBS/MD/MS, an additional rebate of 2.00% will be given., subject to minimum of 8.50% 29 | GoldLoan Agriculture Gold Loan. 9.50%* Annexure to circular no 2023/adv/16 dated 15.04.2023 For Internal Circulation Only g ‘SME Gold Loan 9.50% For Personal Purpose 9.50% Gold loan with Bullet repayment 9.00% 30 | Clean Overdraft 16.40% 31 | Term Loan for Establishment of Solar Power Plants For existing customers/ For new customers/ connections MSME units | connections MSME Units CIBIL Score 750 & Above 9.75% 10.00 % CIBIL Score 700 to 749 10.00% 10.25% (including -1 & 101 to 200) CIBIL Score below 700 10.25% 10.50% 32 | Asset Backed Loans (ABL) % Group 1 : CIBIL Score 750 & above 10.60% o Group 2 : CIBIL Score 700 to 749 (including -1 & 101 to 200) 10.85% Group 3 : All other cases other than Group 1 & 2 11.25% For Loan amount above Rs 50.00 Lakh Rebate of 0.25% will be available in each above group. Note:. For loan above Rs 50.00 lakh- If the unitis in existence for minimum three years, is in profit for three years and 60% of the sale proceeds is routed through bank account will also be eligible for additional concession of 0.25% in interest rates. {As per approval by the Board of Directors, additional concession upto 0.50% may be permitted by General Manager (Network) on case to case basis on the merits of the proposal. fe ae