Personal Segment Loan Products
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1 Personal Segment Loan Products Rate of under with effect from 03/12/ Home Loan Product Home Loan - Floating Home Loan - Fixed Plot Loan HL under CRE Sub- Category Upto Rs Lakh 8.75% 0.00% 0.00% 0.00% 8.75% > Rs Lakh 8.75% 0.00% 0.10% 0.10% 8.85% Upto Rs Lakh 8.75% 0.00% 1.00% 1.00% 9.75% > Rs Lakh 8.75% 0.00% 1.10% 1.10% 9.85% Upto Rs Lakh 8.75% 0.10% 0.90% 1.00% 9.75% > Rs Lakh 8.75% 0.10% 1.00% 1.10% 9.85% Upto Rs Lakh 8.75% 0.10% 0.40% 0.50% 9.25% > Rs Lakh 8.75% 0.10% 0.50% 0.60% 9.35% Home Improve Loan 8.75% 1.50% 0.50% 2.00% 10.75% Ind Awas (Irrespective of EWS/LIG/MIG-I/MIG-II) 8.75% 0.00% 0.00% 0.00% 8.75% Fixed Rate Home Loans carry ROI of 1% above the applicable Home Loan rates. However, Fixed Rate option is not available to NRIs, Plot Loan & CRE-HL exposure. IB Home Advantage: ROI at par with existing IBHL guidelines and in respect of OD Portion it is 1.00% more than the applicable ROI. 2. Other Mortgage Loan Products Loan Product Ind Mortgage 8.75% 1.25% 2.25% 3.50% 12.25% IB Home Loan Plus (Top-up) 8.75% 1.85% 0.25% 2.10% 10.85% IB Rent Encash 8.75% 1.85% 1.40% 3.25% 12.00% Reverse Mortgage@ 8.75% 0.35% 0.75% 1.10% Reverse mortgage interest rates shall be subject to reset clause reset at the end of every 5 years based on the Reverse Mortgage interest rate as prevailing on the date of reset.
2 3. IB Rental (CRE) Combined rating grade AAA 8.75% 1.40% 0.55% 1.95% 10.70% AA+ 8.75% 1.45% 0.75% 2.20% 10.95% AA 8.75% 1.50% 1.20% 2.70% 11.45% A 8.75% 1.55% 1.65% 3.20% 11.95% BBB 8.75% 2.00% 1.70% 3.70% 12.45% BB and below & Unrated Accounts 4. IB Rental (Non-CRE) 8.75% 2.20% 3.75% 5.95% 14.70% Combined rating grade AAA 8.75% 0.40% 0.55% 0.95% 9.70% AA+ 8.75% 0.40% 0.80% 1.20% 9.95% AA 8.75% 0.75% 0.95% 1.70% 10.45% A 8.75% 1.50% 0.70% 2.20% 10.95% BBB 8.75% 2.00% 0.70% 2.70% 11.45% BB and below & Unrated Accounts 8.75% 2.20% 2.75% 4.95% 13.70% 5. Jewel Loans under Priority Sector (Short Term Loan) Facility Limit Short Term Loan (upto 35 months) Upto Rs.5.00 Above Rs % 0.25% 2.40% 2.65% 11.40% 8.75% 0.25% 2.90% 3.15% 11.90%
3 6. Jewel Loans to Senior Citizens Irrespective of Limit Upto Rs.5.00 Above Rs % 0.25% 2.65% 2.90% 11.65% 8.75% 0.25% 2.65% 2.90% 11.65% 7. Education Loan under IBA scheme: Schemes Where Credit guarantee cover (CGFSEL) is available. (No further interest concession is available for girl students) Where NO Credit Guarantee Coverage is available (0.50% interest concession is available for girl students) IB- Skill Loan (No further interest concession is available for girl students) (1 Year) 8.75% 1.10% 0.90% 2.00% 10.75% 8.75% 1.10% 1.80% 2.90% 11.65% 8.75% 0.00% 1.50% 1.50% 10.25% 8. IB Education Loan Prime Scheme: Schemes Institutions* (List A as per IB Institutions* (List B as per IB Institutions* (List C as per IB (1 Year) 8.75% 0.00% 0.00% 0.00% 8.75% 8.75% 0.00% 0.60% 0.60% 9.35% 8.75% 0.00% 1.00% 1.00% 9.75% * No further interest concession is available for girl students.
4 9. IB Vehicle Loan Sub-Category Vehicle Loan (New Cars) Vehicle Loan (Used Cars) Vehicle Loan (2 Wheelers) (1 Year) 8.75% 0.30% 0.60% 0.90% 9.65% 8.75% 1.85% 2.00% 3.85% 12.60% 8.75% 1.85% 1.50% 3.35% 12.10% Festival Offer under Vehicle Loan is available upto 31/01/2019 as below: Product (1 Year) ROI during the offer period Effective ROI 4 Wheelers -New 8.75% 0.50% 9.25% 2 Wheelers 8.75% 2.50% 11.25% 2 Wheelers 8.75% 1.50% 10.25%* *Applicable only for the customers where salary is credited to our Bank / check-off facility is available. 10. Other PSLPs (Personal Structured Loan Products) Loan Product Sub-Category (1 Year) Pension Loan Repayment of 12 months 8.75% 1.85% 1.75% 3.60% 12.35% Repayment above 12 months and upto 36 months 8.75% 1.85% 2.50% 4.35% 13.10% Repayment above 36 months and upto 60 months 8.75% 1.85% 2.75% 4.60% 13.35% Van / Bus to Educational Institutions 8.75% 1.25% 2.60% 3.85% 12.60% Loan to LIC Agents 8.75% 1.85% 4.25% 6.10% 14.85% IB Bala Vidya 8.75% 1.25% 2.60% 3.85% 12.60% Loan / Overdraft against NSC / KVP / LIC Policy / RBI Relief Bonds 8.75% 0.40% 2.00% 2.40% 11.15%
5 11. Clean Loan to Salaried Class Scheme - Fixed Rate Loans Borrower Type For employees of Government organizations / PSUs & Central / State Government and for Salaried individuals of reputed Private Sector / other reputed organizations approved by respective Zonal Office For Housing Loan Borrowers (Salaried Class) Check-off facility / Undertakings Where Check-off facility & undertaking by the employer is available Where Check-off facility & undertaking by the employer is not available, but salary is credited with our Bank. Where salary is credited with our Bank (1 Year) 8.75% 1.85% 0.20% 2.05% 10.80% 8.75% 1.85% 0.80% 2.65% 11.40% 8.75% 1.85% 0.20% 2.05% 10.80% For OD facilities- 1% additional interest shall be charged from above interest rates For tenor of more than 60 months upto 84 months (if required to be sanctioned under this category) 8.75% 2.85% 3.65% 6.50% 15.25% *****************
i) Revised Rate of Interest structure for MSE advances w.e.f :
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Exposure slab Up to Rs.10 lakh Exposure slab Up to Rs. 25 lakh MSEs MCLR + BSS MSEs MCLR % + BSS Non MSEs MCLR + 1% + BSS Non MSEs
Interest rate Linked to : 1. Slab wise rate of interest for exposure up to Rs 25 Lakh Existing ROI Revised ROI* Exposure slab Up to Rs.10 lakh Exposure slab Up to Rs. 25 lakh MSEs + BSS MSEs + 1.75% +
1. RATE OF INTEREST IN CASE OF RUPEE EXPORT CREDIT. % age per annum 1. Pre-Shipment Credit a) Upto 180 days OBC 1 to 3: BR+0.50% OBC 4 to 6: BR+0.
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/Head Office. Sl. Rate of Interest (linked with MCLR- Y) MCLR-Y=8.60% w.e.f Category of Advance
龸 ؼ 맘 κꔰؼ 퀍ᅧ퀍 κ フィート䁯 맘 /United Bank of India 맘 ؼ ᅧ맘맘 /Head Office Rate of interest Chart on various categories of loans and advances linked with MCLR MCLR internal benchmark rate for different maturities
SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.40% w.e.f
SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES WORKING CAPITAL LIMITS AND TERM LOANS Advances less than & including Rs.25 Lacs Term loan & Working Capital - Priority - Non-Priority - NBFCs [excl Micro
# no other component to be added over and above these three components like tenor premium etc.
Bank of India Head Office CORPORATE CREDIT Department MARGINAL COST OF FUND BASED LENDING RATES (MCLR) Revision in Credit Spread w.e.f. 01.01.2017. ---------------------------------------------------------------------------------------------
Interest Rates based on one year MCLR w.e.f
1. Bank's Base Rate (BR) w.e.f. 05.10.2015 is 9.70% 2. Bank's Benchmark Prime Lending Rate (BPLR) w.e.f. 05.10.2015 is 13.95% 3. Marginal cost of Fund Based Lending Rate (MCLR) w.e.f 10.05.2017 (i) (ii)
ANNEXURE - I SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES Base 10.50% w.e.f
ANNEXURE - I SCHEDULE OF INTEREST RATE ON LOANS AND ADVANCES WORKING CAPITAL LIMITS AND TERM LOANS Advances upto Rs.25 Lacs Term loan & Working Capital - Priority BR + 3.25% - Non-Priority BR + 4% - NBFCs
Revision in Base Rate w.e.f
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I) INTEREST RATE RANGE ON LOANS AND ADVANCES TO INDIVIDUALS UNDER RETAIL LENDING FOR THE PAST QUARTER- September RANGE OF ROI MEAN
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Penalty for delayed repayment s. Nil * 0.25% of the balance outstanding / Drawing power whichever is higher
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