Rate of Interest Retail Loans
| Bank of Maharashtra - Retail Departement |
| Rate of Interest Retail Loans |
| MAHA SUPER HOUSING LOAN SCHEME | | | |
| 1) Housing Loan Scheme | | | | |
| Loan Amount | CIBIL score | Salaried | Non Salaried |
| ROI | Effective ROI (%) | ROI | Effective ROI (%) |
| Up to Rs 30 Lacs | 750 & above | RLLR + 0.05 | 6.95 | RLLR + 0.15 | 7.05 |
| 700 to 749 | RLLR + 0.15 | 7.05 | RLLR + 0.30 | 7.20 |
| 650 to 699 | RLLR + 0.30 | 7.20 | RLLR + 0.45 | 7.35 |
| 600 to 649 | RLLR + 0.35 | 7.25 | RLLR + 0.65 | 7.55 |
| Below 600 | RLLR + 0.80 | 7.70 | RLLR + 1.15 | 8.05 |
| -1 to 05 | RLLR + 0.20 | 7.10 | RLLR + 0.45 | 7.35 |
| Above Rs 30 Lacs | 750 & above | RLLR + 0.05 | 6.95 | RLLR + 0.15 | 7.05 |
| 700 to 749 | RLLR + 0.15 | 7.05 | RLLR + 0.50 | 7.40 |
| 650 to 699 | RLLR + 0.35 | 7.25 | RLLR + 0.65 | 7.55 |
| 600 to 649 | RLLR + 0.40 | 7.30 | RLLR + 0.90 | 7.80 |
| Below 600 | RLLR + 1.00 | 7.90 | RLLR + 1.50 | 8.40 |
| -1 to 05 | RLLR + 0.35 | 7.25 | RLLR + 0.65 | 7.55 |
| For Housing Loan under commercial real estate (3rd and subsequent units) applicable rate shall be above rates. (Upto 100 Lacs 1.00% and above 100 Lacs 1.25%) |
| Concession of 0.05% to women & armed forces personnel subject to minimum floor ceiling of RLLR |
| 2.) Housing Loan Repair & Renovation & Top up Loan Repair and Renovation | |
| Loan Amount | CIBIL score | Salaried | Non Salaried |
| ROI | Effective ROI (%) | ROI | Effective ROI (%) |
| Up to Rs 30 Lacs | 750 & above | RLLR + 0.50 | 7.40 | RLLR + 0.75 | 7.65 |
| 700 to 749 | RLLR + 0.50 | 7.40 | RLLR + 0.85 | 7.75 |
| 650 to 699 | RLLR + 0.75 | 7.65 | RLLR + 1.00 | 7.90 |
| 600 to 649 | RLLR + 0.85 | 7.75 | RLLR + 1.10 | 8.00 |
| Below 600 | RLLR + 1.25 | 8.15 | RLLR + 1.50 | 8.40 |
| -1 to 05 | RLLR + 0.75 | 7.65 | RLLR + 1.00 | 7.90 |
| Above Rs 30 Lacs & Upto Rs 75.00 Lacs | 750 & above | RLLR + 0.50 | 7.40 | RLLR + 0.85 | 7.75 |
| 700 to 749 | RLLR + 0.50 | 7.40 | RLLR + 0.90 | 7.80 |
| 650 to 699 | RLLR + 0.75 | 7.65 | RLLR + 1.10 | 8.00 |
| 600 to 649 | RLLR + 0.85 | 7.75 | RLLR + 1.15 | 8.05 |
| Below 600 | RLLR + 1.25 | 8.15 | RLLR + 1.50 | 8.40 |
| -1 to 05 | RLLR + 0.75 | 7.65 | RLLR + 1.10 | 8.00 |
| Above Rs 75 Lacs | 750 & above | RLLR + 0.75 | 7.65 | RLLR + 0.95 | 7.85 |
| 700 to 749 | RLLR + 0.75 | 7.65 | RLLR + 1.00 | 7.90 |
| 650 to 699 | RLLR + 0.85 | 7.75 | RLLR + 1.20 | 8.10 |
| 600 to 649 | RLLR + 1.00 | 7.90 | RLLR + 1.25 | 8.15 |
| Below 600 | RLLR + 1.50 | 8.40 | RLLR + 1.75 | 8.65 |
| -1 to 05 | RLLR + 0.85 | 7.75 | RLLR + 1.25 | 8.15 |
| | | | | | |
| 3.) Top up Loan other Purpose | | | | |
| As per deduction norms | ROI | Effective ROI | | | |
| Up to 60 | RLLR + 1.15 | 8.05 | | | |
| Above 60 | RLLR + 1.40 | 8.30 | | | |
| | | | | | |
| 4.) Maha Super Car Loan Scheme | | | | |
| Particulars | CIBIL score | Salaried | Non- Salaried |
|
| ROI | ER | ROI | ER |
| New 4 Wheeler | 750 and above | RLLR + 0.65 | 7.55 | RLLR + 1.15 | 8.05 |
| 700 to 749 | RLLR + 0.90 | 7.80 | RLLR + 1.25 | 8.15 |
| 650 to 699 | RLLR + 1.50 | 8.40 | RLLR + 1.65 | 8.55 |
| 600 to 649 | RLLR + 1.75 | 8.65 | RLLR + 2.00 | 8.90 |
| Below 600 | RLLR + 2.50 | 9.40 | RLLR + 3.50 | 10.40 |
| -1 or 0 and 01 to 05 | RLLR + 0.90 | 7.80 | RLLR + 2.00 | 8.90 |
| For Partnership Firms / Companies | | | | RLLR + 1.40 | 8.30 |
| • 0.25 % Concession in ROI for Corporate salary account Holder and Existing Housing Loan borrower |
| • Concession of 0.05% to women & armed forces personnel subject to minimum floor ceiling of RLLR |
| 5. MahaBank Vehicle Loan scheme for 2 wheeler & 2nd Hand car Loan | | | | | |
| CIBIL Score | ROI | ER | |
| 750 and above | RLLR + 3.15 | 10.05 |
| 700 to 749 | RLLR + 3.50 | 10.40 |
| 650 to 699 | RLLR + 4.00 | 10.90 | |
| 600 to 649 | RLLR + 5.00 | 11.90 | |
| Below 600 | RLLR + 6.00 | 12.90 | |
| (-1) or (0) & 1 to 5 | RLLR + 4.00 | 10.90 | |
| | | | | | |
| 6. Mahabank Personal Loan | | | | |
| CIBIL Score | ROI | ER | | | |
| | | |
| 750 and above | RLLR + 2.65 | 9.55 | | | |
| 700 to 749 | RLLR + 3.50 | 10.40 | | | |
| 650 to 699 | RLLR + 4.50 | 11.40 | | | |
| 600 to 649 | RLLR + 6.00 | 12.90 | | | |
| -1 or 0 and 01 to 05 | RLLR + 5.00 | 11.90 | | | |
| | | | | | |
| 7. Loan against self-occupied Property | | | | |
| CIBIL SCORE | ROI | ER | | | |
| 750 and above | RLLR + 1.65 | 8.55 | | | |
| 700 to 749 | RLLR + 2.00 | 8.90 | | | |
| 650 to 699 | RLLR + 2.15 | 9.05 | | | |
| 600 to 649 | RLLR + 2.40 | 9.30 | | | |
| Below 600 | RLLR + 2.65 | 9.55 | | | |
| -1 or 0 and 01 to 05 | RLLR + 2.15 | 9.05 | | | |
| | | | | | |
| 8. Other Retail Loans | | | | | |
| Particulars | Classification | ROI | ER | | |
| | |
| Education Loan | Up to Rs 7.50 Lacs | RLLR + 2.00 | 8.90 | | |
| Above Rs 7.50 Lacs | RLLR + 1.65 | 8.55 | | |
| Maha Scholar Education Loan Scheme | List A | RLLR + 0.15 | 7.05 | | |
| List B (Up to 7.5 Lacs) | RLLR + 0.90 | 7.80 | | |
| List B (above 7.5 Lacs) | RLLR + 0.65 | 7.55 | | |
| List C (Up to 7.5 Lacs) | RLLR + 1.15 | 8.05 | | |
| List C(above 7.5 Lacs) | RLLR + 0.90 | 7.80 | | |
| Skill Loan | Up to Rs. 1.50 Lacs | RLLR + 1.50 | 8.40 | | |
| Consumer Loan | - | RLLR + 3.90 | 10.80 | | |
| Gold Loan Retail | - | RLLR + 0.45 | 7.35 | | |
| Aadhar Loan | For BOM staff pensioners | RLLR + 2.15 | 9.05 | | |
| For others | RLLR + 3.15 | 10.05 | | |
| Salary Gain scheme | - | RLLR + 3.15 | 10.05 | | |
| Reverse Mortgage Loan Scheme | Up to Rs. 100.00 Lacs | RLLR + 1.15 | 8.05 | | |
| Solar water heating | - | RLLR + 4.15 | 11.05 | | |
| Loan against Paper Security | - | RLLR + 2.15 | 9.05 | | |
| Lease Rental Discounting | | RLLR + 1.15 | 8.05 | | |
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