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In the event of change in the benchmark rate (RLLR, MLCR & Base Rate), the Interest Rate in Personal loan accounts will also undergo change.
Upward revision in benchmark rate will result in consequent increase of interest rate in the above related loans. The customers will have the following options in order to negate the rise in rate of interest.
a) To pay lumpsum amount to continue with existing EMI & Tenor.
b) To increase the Loan Tenor (within permissible tenor & Age limit)
c) To increase the EMI to pay the loan within the existing tenor.
d) Combination of any of the above.
e) Switchover of loan to Fixed Rate regime (Applicable fixed ROI slabs & charges thereof are displayed at Bank’s website)
f) Prepayment of loan, either in part or in full, to accommodate the increased Interest
b) To increase the Loan Tenor (within permissible tenor & Age limit)
c) To increase the EMI to pay the loan within the existing tenor.
d) Combination of any of the above.
e) Switchover of loan to Fixed Rate regime (Applicable fixed ROI slabs & charges thereof are displayed at Bank’s website)
f) Prepayment of loan, either in part or in full, to accommodate the increased Interest
Note - The Customers are requested to submit revised Standing Instruction / NACH mandate at their Home branch in case of EMI increase.
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