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NOTICE ON REVISION OF RATE OF INTEREST ON ALL LOANS W.E.F 15/10/2018

Rate of Interest on Loans



NOTICE ON REVISION OF RATE OF INTEREST ON ALL LOANS W.E.F 15/10/2018


1.  Individual Housing Loan (201)

 

 

SALARIED & PROFESSIONALS

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

9.50

9.75

10.00

10.75

 

2

Above ₹ 30 lac to ₹ 75 lac.

10.00

10.25

10.50

11.25

 

3

Above ₹ 75 lac

10.75

11.00

11.25

11.75

 

SE & NP

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹. 30 lac & below

10.00

10.25

10.50

11.25

 

2

Above ₹ 30 lac to ₹ 75 lac.

10.60

10.85

11.10

11.85

 

3

Above ₹ 75 lac

11.50

11.75

12.00

12.50

 

 

2.    Composite Housing Loan :

 

a)   Composite Housing Loan on sites situated in layouts developed by Govt.  Dev. Agencies including second sale (238) :

SALARIED & PROFESSIONALS

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

9.75

10.00

10.25

11.00

 

2

Above ₹ 30 lac to ₹ 75 lac.

10.25

10.50

10.75

11.50

 

3

Above ₹ 75 lac

11.00

11.25

11.50

12.00

 

SE & NP

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

10.25

10.50

10.75

11.50

 

2

Above ₹ 30 lac to ₹ 75 lac.

10.85

11.10

11.35

12.10

 

3

Above ₹ 75 lac

11.75

12.00

12.25

12.75

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b)   Composite Housing Loan on sites situated in approved private layouts including second sale (226):

 

SALARIED & PROFESSIONALS

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

10.50

10.75

11.00

11.75

 

2

Above ₹ 30 lac to ₹ 75 lac.

11.00

11.25

11.50

12.25

 

3

Above ₹ 75 lac

11.75

12.00

12.25

12.75

 

 

SE & NP

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

11.00

11.25

11.50

12.25

 

2

Above ₹ 30 lac to ₹ 75 lac.

11.60

11.85

12.10

12.85

 

3

Above ₹ 75 lac

12.50

12.75

13.00

13.50

 

 

 

3. IHL - Super * (231)

 

 

 

SALARIED & PROFESSIONALS

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

11.00

11.25

11.50

12.25

 

2

Above ₹ 30 lac to ₹ 75 lac.

11.60

11.85

12.10

12.85

 

3

Above ₹ 75 lac

12.50

12.75

13.00

13.50

 

SE & NP

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

11.50

11.75

12.00

12.75

 

2

Above ₹ 30 lac to ₹ 75 lac.

12.20

12.45

12.70

13.45

 

3

Above ₹ 75 lac

13.25

13.50

13.75

14.25

 

 *ROI fixed for 3 years

 

 

 

4.  Commercial Housing loans (225)

 

 

3rd and 4th unit

SALARIED & PROFESSIONALS

 

Purchase/construction/repair and renovation of house

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

10.00

10.25

10.50

11.25

 

Above ₹ 30 lac to ₹ 75 lac.

10.50

10.75

11.00

11.75

 

Above ₹ 75 lac

11.25

11.50

11.75

12.25

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹.30 lac & below

10.50

10.75

11.00

11.75

 

Above ₹ 30 lac to ₹ 75 lac.

11.10

11.35

11.60

12.35

 

Above ₹.75 lac

12.00

12.25

12.50

13.00

 

 

 

 

 

 

 

 

 

 

 

3rd and 4th unit

SALARIED & PROFESSIONALS

Commercial Housing Loan (Composite housing loan on sites situated in layouts developed by Govt. Dev. Agencies including second sale)

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

10.25

10.50

10.75

11.50

 

Above ₹ 30 lac to ₹ 75 lac.

10.75

11.00

11.25

12.00

 

Above ₹ 75 lac

11.50

11.75

12.00

12.50

 

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹.30 lac & below

10.75

11.00

11.25

12.00

 

Above ₹ 30 lac to ₹ 75 lac.

11.35

11.60

11.85

12.60

 

Above ₹.75 lac

12.25

12.50

12.75

13.25

 

 

 

 

 

 

3rd and 4th unit

SALARIED & PROFESSIONALS

Commercial Housing Loan (Composite housing loan on site situated in approved private layouts including second sale )

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

11.00

11.25

11.50

12.25

 

Above ₹ 30 lac to ₹ 75 lac.

11.50

11.75

12.00

12.75

 

Above ₹ 75 lac

12.25

12.50

12.75

13.25

 

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹.30 lac & below

11.50

11.75

12.00

12.75

 

Above ₹ 30 lac to ₹ 75 lac.

12.10

12.35

12.60

13.35

 

Above ₹.75 lac

13.00

13.25

13.50

14.00

 

 

 

 

 

 

3rd and 4th unit

SALARIED & PROFESSIONALS

Purchase / construction of house (IHL Super)                    *ROI fixed for 3 years

 

 

 

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

11.50

11.75

12.00

12.75

 

Above ₹ 30 lac to ₹ 75 lac.

12.10

12.35

12.60

13.35

 

Above ₹ 75 lac

13.00

13.25

13.50

14.00

 

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹.30 lac & below

12.00

12.25

12.50

13.25

 

Above ₹ 30 lac to ₹ 75 lac.

12.70

12.95

13.20

13.95

 

Above ₹.75 lac

13.75

14.00

14.25

14.75

 

 

 

 

 

 

5th unit onwards

SALARIED & PROFESSIONALS

Purchase/construction/repair and renovation of house

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

11.00

11.25

11.50

12.25

 

Above ₹ 30 lac to ₹ 75 lac.

11.50

11.75

12.00

12.75

 

Above ₹ 75 lac

12.25

12.50

12.75

13.25

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

11.50

11.75

12.00

12.75

 

Above ₹ 30 lac to ₹ 75 lac.

12.10

12.35

12.60

13.35

 

Above ₹ 75 lac

13.00

13.25

13.50

14.00

 

5th unit onwards

SALARIED & PROFESSIONALS

Commercial Housing Loan (Composite housing loan on sites situated in layouts developed by Govt. Dev. Agencies including second sale)

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

11.25

11.50

11.75

12.50

 

Above ₹ 30 lac to ₹ 75 lac.

11.75

12.00

12.25

13.00

 

Above ₹ 75 lac

12.50

12.75

13.00

13.50

 

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

11.75

12.00

12.25

13.00

 

Above ₹ 30 lac to ₹ 75 lac.

12.35

12.60

12.85

13.60

 

Above ₹ 75 lac

13.25

13.50

13.75

14.25

 

5th unit onwards

SALARIED & PROFESSIONALS

Commercial Housing Loan (Composite housing loan on site situated in approved private layouts including second sale )

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

12.00

12.25

12.50

13.25

 

Above ₹ 30 lac to ₹ 75 lac.

12.50

12.75

13.00

13.75

 

Above ₹ 75 lac

13.25

13.50

13.75

14.25

 

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹.30 lac & below

12.50

12.75

13.00

13.75

 

Above ₹ 30 lac to ₹ 75 lac.

13.10

13.35

13.60

14.35

 

Above ₹.75 lac

14.00

14.25

14.50

15.00

 

5th unit onwards

SALARIED & PROFESSIONALS

Purchase / construction of house (IHL Super)                    *ROI fixed for 3 years

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹ 30 lac & below

12.50

12.75

13.00

13.75

 

Above ₹ 30 lac to ₹ 75 lac.

13.10

13.35

13.60

14.35

 

Above ₹ 75 lac

14.00

14.25

14.50

15.00

 

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

₹.30 lac & below

13.00

13.25

13.50

14.25

 

Above ₹ 30 lac to ₹ 75 lac.

13.70

13.95

14.20

14.95

 

Above ₹.75 lac

14.75

15.00

15.25

15.75

 

 

5.    Affordable Housing Loans :

 

 

 

Sl. No.

Loan amount / risk rating

REVISED (w.e.f. 15/10/18)

 

S1

S2+

S2

S3

 

1

New GRHS (233)

Same as IHL (201) for respective Loan Slab, Borrower & Risk Category (Variable Rate of Interest)

 

New LUH (234)

 

2

CLSS - LIG/ EWS (230)

 

CLSS - MIG (232)

 

 

 

6.    IHL - Cash Salary (Max Loan upto Rs. 10 Lakh)

 

 

SALARIED ONLY

ROI (w.e.f. 15/10/18)

 

Purpose / risk rating

S1

S2+

S2

S3

 

1. Constructionof house on own land /                                                          Purchase of flat

11.00

11.25

11.50

12.25

 

2. Composite (purchase of Site & Construction thereon)

2.1. Site in layouts developed by Govt.  Dev. Agencies including second sale:

11.25

11.50

11.75

12.50

 

2.2. Site in approved private layouts including second sale:

12.00

12.25

12.50

13.25

 

 

 

 

 

 

 

 

 

7.     SITE LOANS

 

7. 1.  Site loans (203): Loans for sites in layouts developed by Govt. Dev. Agencies including Second sale

SALARIED & PROFESSIONALS

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

10.75

11.00

11.25

12.00

 

2

Above ₹ 30 lac to ₹ 75 lac.

11.25

11.50

11.75

12.50

 

3

Above ₹ 75 lac

12.00

12.25

12.50

13.00

 

SE & NP

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

11.25

11.50

11.75

12.50

 

2

Above ₹ 30 lac to ₹ 75 lac.

11.85

12.10

12.35

13.10

 

3

Above ₹ 75 lac

12.75

13.00

13.25

13.75

 

7.2.   Site loans (204): Loans for sites in approved private layouts/site purchase from private parties :

SALARIED & PROFESSIONALS

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

12.25

12.50

12.75

13.50

 

2

Above ₹ 30 lac to ₹ 75 lac.

12.75

13.00

13.25

14.00

 

3

Above ₹ 75 lac

13.50

13.75

14.00

14.50

 

SE & NP

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

 

1

₹ 30 lac & below

12.75

13.00

13.25

14.00

 

2

Above ₹ 30 lac to ₹ 75 lac.

13.35

13.60

13.85

14.60

 

3

Above ₹ 75 lac

14.25

14.50

14.75

15.25

 

 

 

8.   Other Non-housing loans

 

SALARIED & PROFESSIONALS

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Product / risk rating

S1

S2+

S2

 S3

 

1

Mortgage loans (205)/ Flexi LAP (222)

12.50

12.75

13.00

13.50

 

2

Loan against commercial properties (209)

12.75

13.00

13.25

13.75

 

3

Personal loans (220)

11.75

12.00

12.25

12.75

 

SE & NP

REVISED (w.e.f. 15/10/18)

 

Sl. No.

Product / risk rating

S1

S2+

S2

 S3

 

1

Mortgage loans (205)/ Flexi LAP (222)

13.00

13.25

13.50

14.00

 

2

Loan against commercial properties (209)

13.25

13.50

13.75

14.25

 

3

Personal loans (220)

12.25

12.50

12.75

13.25

 

 

9.   Other loans

 

Product No.

Loan Product

REVISED (15/10/18)

206

Builder loan

14.25

Builder loan for affordable Houses

13.25

207

Line of Credit (LOC)

12.50

208

Loans against Rent Receivables (LRR)

 

 

Registered lease deed with MNC’s/Govt. agencies/PSU/Banks

11.50

Registered lease deed with other organizations /firms of repute

12.50

227

Special Urban Housing Refinance Scheme (SUHRS)-Direct

11.75

228

Special Urban Housing Refinance Scheme (SUHRS)-Indirect

12.75

235

CFHL Top Up loan

Applicable IHL/CHL/Comp Loan plus 0.25% - Floating

236

CFHL Nishchint-Loan for pensioners

10.75

 

Note:    For women beneficiaries for loans up to ₹25.00 lac in metro/urban centres, Naval/ Airforce/ Defence personnel (both in service and retired) and physically challenged persons 0.05% concession in applicable rate of interest (ROI) for one year will be given.

 

 

 

 



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