Azadi ka Amrit Mahatsav

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Rate of Interest Retail Loans

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

6.85

RLLR + 0.15

6.95

700 to 749

RLLR + 0.15

6.95

RLLR + 0.30

7.10

650 to 699

RLLR + 0.30

7.10

RLLR + 0.45

7.25

600 to 649

RLLR + 0.35

7.15

RLLR + 0.65

7.45

Below 600

RLLR + 0.80

7.60

RLLR + 1.15

7.95

-1 to 05

RLLR + 0.20

7.00

RLLR + 0.45

7.25

Above Rs 30  Lacs

750 & above

RLLR + 0.05

6.85

RLLR + 0.15

6.95

700 to 749

RLLR + 0.15

6.95

RLLR + 0.50

7.30

650 to 699

RLLR + 0.35

7.15

RLLR + 0.65

7.45

600 to 649

RLLR + 0.40

7.20

RLLR + 0.90

7.70

Below 600

RLLR + 1.00

7.80

RLLR + 1.50

8.30

-1 to 05

RLLR + 0.35

7.15

RLLR + 0.65

7.45

For loan above Rs 30.00 Lakh additional 15 bps in applicable ROI shall be applicable , if LTV is >80 to <=90
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

7.30

RLLR + 0.75

7.55

700 to 749

RLLR + 0.50

7.30

RLLR + 0.85

7.65

650 to 699

RLLR + 0.75

7.55

RLLR + 1.00

7.80

600 to 649

RLLR + 0.85

7.65

RLLR + 1.10

7.90

Below 600

RLLR + 1.25

8.05

RLLR + 1.50

8.30

-1 to 05

RLLR + 0.75

7.55

RLLR + 1.00

7.80

Above Rs 30  Lacs & Upto Rs 75.00 Lacs

750 & above

RLLR + 0.50

7.30

RLLR + 0.85

7.65

700 to 749

RLLR + 0.50

7.30

RLLR + 0.90

7.70

650 to 699

RLLR + 0.75

7.55

RLLR + 1.10

7.90

600 to 649

RLLR + 0.85

7.65

RLLR + 1.15

7.95

Below 600

RLLR + 1.25

8.05

RLLR + 1.50

8.30

-1 to 05

RLLR + 0.75

7.55

RLLR + 1.10

7.90

Above Rs 75 Lacs

750 & above

RLLR + 0.75

7.55

RLLR + 0.95

7.75

700 to 749

RLLR + 0.75

7.55

RLLR + 1.00

7.80

650 to 699

RLLR + 0.85

7.65

RLLR + 1.20

8.00

600 to 649

RLLR + 1.00

7.80

RLLR + 1.25

8.05

Below 600      

RLLR + 1.50

8.30

RLLR + 1.75

8.55

-1 to 05

RLLR + 0.85

7.65

RLLR + 1.25

8.05

3.) Top up Loan other Purpose

As per deduction norms

ROI

Effective ROI

Up to 60

RLLR + 1.15

7.95

Above 60

RLLR + 1.40

8.20

4.) Maha Super Car Loan Scheme

Particulars

CIBIL score

Salaried

Non- Salaried

ROI

ER

 ROI

ER

New 4 Wheeler

750 and above

RLLR + 0.50

7.30

RLLR + 1.00

7.80

700 to 749

RLLR + 0.75

7.55

RLLR + 1.10

7.90

650 to 699

RLLR + 1.45

8.25

RLLR + 1.60

8.40

600 to 649

RLLR + 1.75

8.55

RLLR + 2.00

8.80

Below 600      

RLLR + 2.50

9.30

RLLR + 3.50

10.30

-1 or 0 and 01 to 05

RLLR + 0.90

7.70

RLLR + 2.00

8.80

For Partnership Firms / Companies

RLLR + 1.40

8.20

• 0.25 % Concession in ROI for Corporate salary account Holder ,Existing Housing Loan borrower  ,MSME borrower & proffesional / self employed borrower having 1 year satisfactory relationship.

• Concession of 0.05%  to women & armed forces personnel subject to minimum floor ceiling of RLLR

5. Vehcile Loan Scheme

CIBIL score

ROI

ER

750 and above

RLLR + 3.15

9.95

2nd Hand Car Loan

700 to 749

RLLR + 3.50

10.30

2 Wheeler Loan

650 to 699

RLLR + 4.00

10.80

600 to 649

RLLR + 5.00

11.80

Below 600      

RLLR + 6.00

12.80

-1 or 0 and 01 to 05

RLLR + 4.00

10.80

6. Mahabank Personal Loan

CIBIL Score

ROI

ER

750 and above

RLLR + 2.65

9.45

700 to  749

RLLR + 3.50

10.30

650 to 699

RLLR + 4.50

11.30

600 to  649

RLLR + 6.00

12.80

-1 or 0 and 01 to 05

RLLR + 5.00

11.80

7. Loan against self-occupied Property

CIBIL SCORE

ROI

ER

750 and above

RLLR + 1.65

8.45

700 to 749

RLLR +  2.00

8.80

650 to 699

RLLR +  2.15

8.95

600 to 649

RLLR +  2.40

9.20

Below 600

RLLR +  2.65

9.45

-1 or 0 and 01 to 05

RLLR +  2.15

8.95

8. Other Retail Loans

Particulars

Classification

ROI

ER

Education Loan

Up to Rs 7.50 Lacs

RLLR + 2.00

8.80

Above Rs 7.50 Lacs

RLLR + 1.65

8.45

Maha Scholar Education Loan Scheme

List A

RLLR + 0.15

6.95

List B (Up to 7.5 Lacs)

RLLR + 0.90

7.70

List B (above 7.5 Lacs)

RLLR + 0.65

7.45

List C (Up to 7.5 Lacs)

RLLR + 1.15

7.95

List C(above 7.5 Lacs)

RLLR + 0.90

7.70

Skill Loan

Up to Rs. 1.50 Lacs

RLLR + 1.50

8.30

Consumer Loan

 -

RLLR + 3.90

10.70

Gold Loan Retail

 -

RLLR + 0.20

7.00

Aadhar Loan

For BOM staff pensioners

RLLR + 2.15

8.95

For others

RLLR + 3.15

9.95

Salary Gain scheme

 -

RLLR + 3.15

9.95

Reverse Mortgage Loan Scheme

Up to Rs. 100.00 Lacs

RLLR + 1.15

7.95

Solar water heating

 -

RLLR + 4.15

10.95

Loan against Paper Security

 -

RLLR + 2.15

8.95

Lease Rental Discounting

RLLR + 1.15

7.95