Housing Loans
Non Housing Loan
DepositsRate of Interest on Loans
Housing Loan products
|
Housing Loan Products |
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|
Sl. No. |
Product Name |
Floating Interest Rate |
Fixed Interest Rate |
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|
Salaried and Professional |
Self-Employed & Non-professional |
Salaried and Professional |
Self-Employed & Non-professional |
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|
1 |
Individual Housing Loan |
9.60% to 10.60% |
10.10% to 11.10% |
12.60% to 13.60% |
13.10% to 14.10% |
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|
2 |
Affordable Housing Loan |
9.60% to 10.60% |
10.10% to 11.10% |
12.60% to 13.60% |
13.10% to 14.10% |
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|
3 |
Composite Housing Loan |
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|
a. |
Sites situated in layouts developed by Govt. Dev. Agencies |
9.70% to 10.70% |
10.20% to 11.20% |
12.70% to 13.70% |
13.20% to 14.20% |
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|
b. |
Sites situated in approved Private layouts |
9.85% to 10.85% |
10.35% to 11.35% |
12.85% to 13.85% |
13.35% to 14.35% |
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|
4 |
Commercial Housing loan |
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|
a. |
Up to 4 units |
9.70% to 10.95% |
10.20% to 11.45% |
12.70% to 13.95% |
13.20% to 14.45% |
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|
b. |
Above 5 Units |
9.75% to 11.00% |
10.25% to 11.50% |
12.75% to 14.00% |
13.25% to 14.50% |
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|
5 |
IHL- Cash Salary |
10.60% to 11.85% |
13.60% to 14.85% |
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|
6 |
Special Urban Housing refinance Scheme (Direct) |
9.85% |
12.85% |
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|
7 |
Special Urban Housing refinance Scheme (Indirect) |
10.85% |
13.85% |
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*On receipt of refinance from NHB, ROI shall be revised prospectively based on the NHB refinance rate. Customers with S3 risk rating are not eligible for loan under the scheme.
Non-Housing Loan products
|
Non-Housing Loan Products |
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|
Sl. No. |
Product Name |
Floating Interest Rate |
Fixed Interest Rate |
|||
|
Salaried and Professional |
Self-Employed & Non-professional |
Salaried and Professional |
Self-Employed & Non-professional |
|||
|
1 |
Site Loan |
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|
a. |
Sites situated in layouts developed by Govt. Dev. Agencies |
10.85% to 12.35% |
11.35% to 12.85% |
13.85% to 15.35% |
14.35% to 15.85% |
|
|
b. |
Sites situated in approved Private layouts |
11.10% to 12.60% |
11.60% to 13.10% |
14.10% to 15.60% |
14.60% to 16.10% |
|
|
2 |
Mortgage Loan |
10.85% to 11.85% |
11.35% to 12.35% |
13.85% to 14.85% |
14.35% to 15.35% |
|
|
3 |
Builder Loan |
14.40% to 15.40% |
17.40% to 18.40% |
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|
4 |
Line of Credit |
13.65% |
16.65% |
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|
5 |
Loans against Rent Receivables |
10.60% to 11.10% |
13.60% to 14.10% |
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|
6 |
Loans for Commercial Properties |
11.10% to 12.10% |
11.60% to 12.60% |
14.10% to 15.10% |
14.60% to 15.60% |
|
|
7 |
Personal Loan |
10.60% to 11.60% |
11.10% to 12.10% |
13.60% to 14.60% |
14.10% to 15.10% |
|
|
8 |
Flexi LAP |
10.85% to 11.85% |
11.35% to 12.35% |
13.85% to 14.85% |
14.35% to 15.35% |
|
|
9 |
CFHL Top-up Loan |
Applicable Individual Housing Loan/Commercial Housing Loan/Composite Housing Loan Plus 1% - Floating |
Applicable Individual Housing Loan/Commercial Housing Loan/Composite Housing Loan Plus 1% - Fixed |
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|
10 |
Nishchint - Loan for Pensioners |
11.60% |
14.60% |
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|
11 |
I-Secure Loan |
10.10% to 11.10% |
10.60% to 11.60% |
13.10% to 14.10% |
13.60% to 14.60% |
|
Deposits
Fixed Deposits:
|
Fixed Deposit Scheme |
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|
Period of deposits in months |
Deposits upto Rs.1 cr |
Bulk deposits >Rs.1 cr to Rs.5 cr |
Bulk deposits : >Rs.5 cr |
|
|
General Public |
Senior Citizen |
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|
12 |
6.50% |
7.00% |
5.00% |
4.50% |
|
13-35 |
6.75% |
7.25% |
5.50% |
5.00% |
|
36 |
6.75% |
7.25% |
5.50% |
5.00% |
|
37-48 |
6.75% |
7.25% |
5.50% |
5.00% |
|
48-60 |
6.75% |
7.25% |
5.50% |
5.00% |
Cumulative Deposits:
|
Cumulative Deposit Scheme |
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|
Period of deposits in months |
Deposits upto Rs.1 cr |
Bulk deposits: >Rs.1 cr to Rs.5 cr |
Bulk deposits: >Rs.5 cr |
|
|
General Public |
Senior Citizen |
|||
|
12 |
6.50% |
7.00% |
5.00% |
4.50% |
|
13-35 |
6.75% |
7.25% |
5.50% |
5.00% |
|
36 |
7.50% |
7.75% |
5.50% |
5.00% |
|
37-48 |
6.75% |
7.25% |
5.50% |
5.00% |
|
48-60 |
6.75% |
7.25% |
5.50% |
5.00% |
