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Offer Zone Rates & Charges
Rates & Charges
 
FD, RD & iWish
General
(390 days - 2 yrs)
6.75% Apply Now
Senior Citizens
(390 days - 2 yrs)
7.25% Apply Now
 
Loans
Home Loan
(Upto 30 lacs)
8.35*% Apply Now
Personal Loan
(Upto 20 lacs)
11.29*% Apply Now

More Rates       Service Charges & Fees 

Tools and Calculators

Key features

Interest Rate and Charges

Give a Missed Call on 84448 84448

Give a Missed Call on 84448 84448

 

DescriptionMinimumMaximum
Loan Amount ₹ 10,000 ₹ 15,00,000
Loan Tenure 6 months 12 months

 

Interest rate range: (April 2017 to June 2017 Q1(FY17-18))

 

MinimumMaximumMeanPenal Interest
10.00% 16.10% 13.04% 6%

 

#Penal Interest is not applicable for agricultural loans up to ₹ 25,000 per customer.

 

NOTE:

  • It includes various categories like loan amount, customer relationships etc.
  • Mean rate = Sum of rate of all loan accounts / Number of all loan accounts.

 

Charges:

 

ParticularsTwelve months productSix months product
Processing Fees 1.0% of loan amount 1.0% of loan amount
Foreclosure charges 1%, If a/c is closed within 11 months 1%, If a/c is closed within 5 months
NIL, If a/c is closed after 11 months NIL, If a/c is closed after 5 months
Gold OD - 1% of the facility amount, if the facility is prepaid within 11 months or post 30 days of auto-renewal. NA
Documentation Charges ₹ 199 NA
Renewal Fees

For loans:

  • Upto ₹ 1 Lacs - ₹ 250
  • Greater than ₹ 1 lacs – upto ₹ 2 Lacs - ₹ 350
  • Greater than ₹ 2 Lacs - ₹ 500
Stamp Duty and other statutory charges As per Applicable laws of the State
Overdue Handling Charges (delinquent accounts)
  1. 750 where a notice has been delivered at the communication address and a paper publication is not required
  2. 1,700 where no notice has been delivered at the communication address and the paper publication is to be done
  3. 300 charge for sending auction notice, over and above the preceding points I) and II)

 

Notes: GST, other government taxes, stamp duty, levies, etc. as per prevailing rate will be charged over and above these charges. The above fees will not be applicable for agricultural loans upto ₹ 25,000 per customer.

 

Annual Percentage Rate:

 

The Annual Percentage Rate (APR) is a method to compute annualised credit cost, which includes interest rate and processing fee.

The APR calculator does not include charges like stamp duty, Prepayment charges etc.

To calculate the same, please click here to download the APR calculator.

 

* Terms and Condition apply