LOAN RATES IN CURRENT BUSINESS SCENARIO : 17-04-2025
|
Loan Type
|
Rates |
| Overdraft Aginst Fix Deposit (90% of FD Amount) | FDR+1% |
| Pledge CC (માલ તારણ સામે) Margin 30% | 11.50% |
| Hypothication CC (Upto 25 Lakh) Stock 25%, BD50% | 10.50% |
| Hypothication CC (25 Lakh to 50 lakh) Stock 25% , BD50% | 11.00% |
| Hypothication CC (Above 50 lakh) Stock 25% , BD50% | |
| Rating : AA (More than 90 Marks) | 9.75% |
| Rating : A (81 to 90 Marks) | 10.25% |
| Rating : B (71 to 80 Marks) | 10.50% |
| Rating : C (61 to 70 Marks) | 10.75% |
| Rating : D (Less than 60 Marks) / without Rating | 11.00% |
| Term Loan Industries (MSME) (Margin 25%) 84M/120M | |
| Upto 25 Lakh | 10.50% |
| Above 25 Lakh | 11.50% |
| Personal Car Loan (New Vehicle) (Margin 20%) 84M | |
| Rating : A (CIBIL Score 750 & Above OR CMR 1 to 3) | 9.00% |
| Rating : B (CIBIL Score 700 to 749 OR CMR 4 to 7) | 9.50% |
| Rating : C (CIBIL Score Below 700 OR CMR 8 to 10) | 9.75% |
| Personal Car Loan (upto 4Y Old Vehivle, Margin 30%, 48M Re-pay) | 11.00% |
| HPV Commercial (Margin 25%) 60M | |
| Rating : A (CIBIL Score 750 & Above OR CMR 1 to 3) | 10.50% |
| Rating : B (CIBIL Score 700 to 749 OR CMR 4 to 7) | 11.00% |
| Rating : C (CIBIL Score Below 700 OR CMR 8 to 10) | 11.50% |
| Two Wheeler Vehicle Loan (Margin 25%) 60M | |
| Rating : A (CIBIL Score 750 & Above OR CMR 1 to 3) | 11.50% |
| Rating : B (CIBIL Score 700 to 749 OR CMR 4 to 7) | 12.00% |
| Rating : C (CIBIL Score Below 700 OR CMR 8 to 10) | 12.50% |
| Housing Loan (Upto 25 Lakh) ( Cost Margin 10%) 240M | |
| Rating : A (CIBIL Score 750 & Above) | 9.00% |
| Rating : B (CIBIL Score 700 to 749) | 9.50% |
| Rating : C (CIBIL Score Below 700) | 9.75% |
| Housing Loan (25 Lakh to 140 Lakh) ( Cost Margin 10%) 240M | |
| Rating : A (CIBIL Score 750 & Above) | 9.50% |
| Rating : B (CIBIL Score 700 to 749) | 10.00% |
| Rating : C (CIBIL Score Below 700) | 10.25% |
| Housing Loan 70 Lakhs Above (CIBIL 700+) | 11.00% |
| Education Loan (Margin Cost 25%) 120M | |
| Upto 20 Lakh | 10.50% |
| Above 20 Lakh | 11.25% |
| Secure CC (Mortgage) MSME Business (Margin 30%) | |
| Secure CC (Mortgage) MSME Business (Margin 30%) | 12.00% |
| LAP MSME, Business, Profession etc. (RV Margin 25% and Above) 120M | |
| LAP-MSME, Business, Profession etc) (RVMargin25% and above) 120M (ROI wef 17.04.2025 in New LAP sanctioned in BOD from dt. 03-02-2025) | 12.50% |
| Gold Loan (દાગીના સામે) (૨ લાખ સુધી બુલેટ પેમેન્ટ 12M) | 10.00% |
| Cash Credit Small Business (Upto 5 Lakh) (Undertking and PDCs All Parties) | 13.50% |
| MT Loan (Short Loan) | |
| Upto 1 Lakh (તા. 02-02-2023 થી અમલમાં) 36 Months | 10.50% |
| 1 Lakh to 2 Lakh 36 Months (Articians) | 13.50% |
| Agriculture Finance - Agri and allied Activities, 12M | |
| Up to 5 Lakh (પ્રતિ વિઘા રૂપિયા 1 લાખ લેખે) (PDCs of all Parties) | 10.00% |
| Salaried Person Loan - 60M - Max 5 Lakh | 12.50% |
| TL Agri Machinery Secure Loan - Max 10 Lakh - 84M | 10.50% |
| Micro Finance | 12.50% |
| LIC/KVP/Post Certificate Loan | 12.50% |
| Renewable Energy Solar Rooftop Loan (Margin Cost 25%) 120M | |
| વ્યક્તિગત 10 લાખ સુધી | 10.50% |
| MSME, ધંધા વ્યવસાય હેતુ - 50 લાખ સુધી | 11.50% |
| Staff Loan (Exp. Overdraf Against Fixed Deposit) | 8.00% |
| #CIBIL Score=CIBIL Vision Score Only | - |
| * HPC, TLI, HL, Education, Solar જેવી રેગ્યુલર લોન પ્રોડક્ટમાં પ્રાયોરીટી કમ વિકરના કિસ્સામાં બોર્ડ ઓફ ડિરેક્ટર કે લોન કમિટીની મંજુરીથી 0.25% સુધી વ્યાજ દરમાં તા. 02-02-2023 થી રાહત આપી શકાશે. | - |
