Documents required for CUB JEWEL LOAN
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1 Documents required for CUB JEWEL LOAN Demand Promissery Note Hypothecation Agreement Pledge Agreement Rates & Other Charges : Annexure II A. Rate of Interest on Advances for Agricultural purposes: Sl. No. Size of the Limit / Loan Agricultural Jewel Loans: 01 Upto & inclusive of Rs lakhs 02 Over Rs lakhs and upto Rs lakhs 03 Over Rs lakhs and upto Rs lakhs 04 Over Rs lakhs Existing RoI - % w.e.f (w.e.f ) BR (10.50) BR (9.75) Other Agri. Credits : (inclusive of KCC) 05. Upto & inclusive of Rs lakhs BR (10.50) BR (9.75 ) 06. Over Rs lakhs but Upto & Inclusive of Rs.3.00 lakhs BR plus 0.75 (11.25) BR plus 1.50 (11.25) 07 Over Rs.3.00 lakhs but Upto Rs.5.00 lakhs BR plus 2.25 (12.75) BR plus 3.00 (12.75) 08 Over Rs.5.00 lakhs BR plus 3.25 (13.75) BR plus 4.00 (13.75) 09 Advances to farmers against agricultural commodities / warehouse receipts / cold storage bonds a) upto Rs.5.00 lakhs b) Over Rs.5.00 lakhs upto Rs lakhs c) Above Rs lakhs BR plus 0.75 (11.25) BR plus 1.50 (12.00) BR plus 4.75 (15.25) BR plus 1.50 (11.25) BR plus 2.25 (12.00) BR plus 5.50 (15.25) 10 Advances to Self Help Groups (SHGs) BR plus 1.00 (11.50) BR plus 1.75 (11.50) 11 Advances under Swarojkar Credit Cards (SCC) a) Upto Rs b) Above Rs BR (10.50) BR plus 5.25 (15.75) BR (9.75) BR plus 6.00 (15.75)
2 Sl. No 12 Advances under General credit Card (GCC) Upto Rs. 25,000/- only BR plus 5.25 (15.75) BR plus 6.00 (15.75) B. Rate on of Interest Non-agri & Other Commercial Advances Size of the Limit Jewel Loans: (Non-Agri) 01 Jewel Loan (upto & inclusive of Rs.50,000/- for Non - Agri Personal consumption purposes 02 All Other Jewel Loan (Over Rs. 50,000 - for Non - Agril personal consumption purposes) Existing RoI - % BR plus 3.00 BR plus 4.00 (14.50) BR plus 4.75 (14.50) Jewel Loans (Non Agri) (Special Category SME, Debt Swapping, Housing & Education to be included in priority sector) 3 Upto & inclusive of Rs.50,000 BR plus 2.50 (13.00) BR plus 3.25 (13.00) 4 Above Rs. 50,000 and upto Rs lakh BR plus 3.50 (14.00) BR plus 4.25 (14.00) 5 Over Rs lakh (14.25) BR plus 4.50 (14.25) Other Credits : (all categories of business credits) 06. Upto & Inclusive of Rs lakhs BR plus 6.00 (16.50) BR plus 6.75 (16.50) (For business purpose) 07. Over Rs lakhs** BR plus 7.00 (17.50) BR plus 7.75 (17.50) 08 Lending for Commercial Real Estate and Capital Market Exposure 09 Housing loans (Above Rs lakhs) Upto 5 years Over 5 yrs to 10 Yrs Above 10 yrs and upto 15 yrs Loans above 15 years 10. Loans for purchase of Consumer Durables, two/four wheelers and other consumer loans, personal loans (irrespective of the quantum of Advance i.e., those which are not coming under banks own loan schemes) BR plus 8.00 (18.50) BR plus 8.75 (18.50) BR plus 0.50 (11.00) BR plus 0.75 (11.25) BR plus 1.50 (12.00) BR plus 2.50 (13.00) BR plus 1.25 (11.00) BR plus 1.50 (11.25) BR plus 2.25 (12.00) BR plus 3.25 (13.00) BR plus 7.00 (17.50) BR plus 7.75 (17.50) 11 Advances against third party Deposits (other than agriculture credits) BR plus 7.00 (17.50) BR plus 7.75 (17.50) 12 TOD in current account BR plus 8.00 (18.50) BR plus 8.75 (18.50) 13 For S.T increase in OD/CC limits 2% over & above the applicable rate 2% over & above the applicable rate ** The rate of interest subjected to risk score - based on the risk rating made for the borrowers who are enjoying credit facilities of Rs lakh and above. C. Rate of Interest for Advances under Special Loan Schemes of CUB:
3 Name of the Scheme Existing RoI CUB Consumer Loan BR plus 5.50 (16.00) BR plus 6.25 (16.00) CUB Easy Ride BR plus 4.00 (14.50) BR plus 4.75 (14.50) CUB Yoga Vahana BR plus 4.00 (14.50) BR plus 4.75 (14.50) CUB Sulabh BR plus 5.75 (16.25) BR plus 6.50 (16.25) CUB Sona (overdraft) (14.25) BR plus 4.50 (including scheme to pawn brokers) (14.25) CUB Bazaar BR plus 8.00 (18.50) BR plus 8.75 (18.50) CUB Dharani (Special) Above Rs. 50,000 & Upto Rs lakh BR plus 4.00 (14.50) BR plus 4.75 (14.50) CUB Easy Business (ROI may vary within the ceiling of PLR depending upon the credit rating) BR plus 5.25 (15.75) BR plus 6.00 (15.75) CUB Dharani a) Upto & inclusive of Rs lakhs BR plus 4.25 (14.75) BR plus 5.00 (14.75) b) Over Rs lakhs BR plus 5.75 (16.25) BR plus 6.50 (16.25) CUB Swayam Griha Scheme Upto Rs. 25 lakhs Upto 5 years Over 5 yrs to 10 Yrs Above 10 yrs and upto 15 yrs Loans above 15 years CUB Vidhyavani (Meritorius) => Upto Rs.4.00 lakhs => Above Rs.4.00 lakhs BR (10.50) BR plus 0.50 (11.00) BR plus 1.00 (11.50) BR plus 2.00 BR plus 4.00 (14.50) BR plus 3.50 (14.00) BR plus 5.00 (15.50) BR plus 4.50 (15.00) BR (9.75) BR plus 1.25 (11.00) BR plus 1.75 (11.50) BR plus 2.75 BR plus 4.75 (14.50) BR plus 4.25 (14.00) BR plus 5.75 (15.50) BR plus 5.25 (15.00) Name of the Scheme Existing RoI CUB Vidhyavani (Management) => Upto Rs.4.00 lakhs BR plus 4.50 (15.00) BR plus 4.00 (14.50) BR plus 5.25 (15.00) BR plus 4.75 (14.50)
4 => Above Rs.4.00 lakhs BR plus 5.50 (16.00) BR plus 5.00 (15.50) BR plus 6.25 (16.00) BR plus 5.75 (15.50) Name of the Scheme Special Loan Scheme to RTOs. *** For advances Secured by new vehicles alone (without any collateral) For advances Secured by new vehicles & any other collateral (value of collateral Min 50%) Existing RoI - % BR plus 2.50 (13.00) BR plus 3.25 (13.00) BR plus 2.00 BR plus 2.75 *** for advances secured by Second Hand Vehicles a) upto & inclusive of Rs lakh BR plus 5.75 (16.25) BR plus 6.50 (16.25) b) above Rs lakh BR plus 7.25 (17.75) BR plus 8.00 (17.75) For Tie-up arrangement for Tractors, Dairy As per individual tie-up schemes in force projects, Palm oil, Casuarina, etc D. Rate of Interest on Collateral free loans for Micro and Small Enterprises under CGFT scheme (for Collateral Free Loans) Nature of advance Revised RoI (% ) w.e.f Revised RoI (% ) w.e.f Upto and inclusive of Rs lakhs Above Rs lakhs and upto Rs. 20 lakhs Above Rs lakhs and upto Rs. 50 lakhs Above Rs lakhs and upto Rs. 100 lakhs plus 2 BR plus 3 plus 2.75 E. Rate of Interest on Micro Enterprises upto Rs lakh [which are not covered under CGFT scheme and where we have collateral] Nature of advance Existing RoI (% ) w.e.f Revised RoI (% ) w.e.f For Micro manufacturing & Micro services not covered under CGFT scheme [For loans upto Rs lakh only] BR plus 3.25 (13.75) BR plus 4.00 (13.75) PMMY Shishu BR plus 1.50 (12.00) BR plus 2.25 (12.00) PMMY Kishore BR plus 1.75 (12.25) BR plus 2.50 (12.25) PMMY - Tarun BR plus 2.00 BR plus 2.75 Annexure III Interest rates on Rupee Export credit ( (BR) 9.75%) (w.e.f ) Categories of Export Credit A. Pre-shipment credit
5 a) upto 270 days b) Against incentives receivable from Govt. Covered by ECGC Guarantee upto 90 days B. Post-shipment credit a) On demand bills for transit period as specified by FEDAI b) Usance bills (for total period comprising usance period of export bills, transit period as specified by FEDAI and grace period, wherever applicable) i) upto 180 days ii) upto 365 days for exporters under the Gold Card Scheme c) Against incentives receivable from Government covered by BR plus 2.75 ECGC guarantee upto 90 days d) Against un drawn balance upto 90 days BR plus 2.75 E. Against retention money (for supplies portion only) payable BR plus 2.75 within one year from date of shipment - upto 90 days F. Export credit not otherwise specified (ECNOS) i) For overdue bills upto 180 days ii) For all others BR plus 7.75 (17.50) (The above rates are ceiling rates and banks are free to charge any rate below this ceiling rates. Hence, branches are advised to charge interest as per the rate stipulated in the sanction letter of C.O.)
6 Annexure IV Loans and Advances against Non-Resident Deposits Nature Deposits NRE Deposits of Quantum Upto 75% Upto 90% FCNR (B) Deposits For Depositors plus 2% plus 2.50% RoI for Loans For Third parties RoI for Overdrafts For Depositors plus 2.50% plus 3.00 % For Third parties a) In Indian Rupees Upto 75% BR plus 3.75% (13.50%) Upto 90% (only with the approval of Chairman / MD / ED / GM) BR plus 4.75% (14.50%) BR plus 4.25% (14.00%) BR plus 5.25% (15.00%) b) In Foreign Currency Upto 75% Upto 90% plus 2.00% plus 2.50% NOT APPLICABLE NOT APPLICABLE NRO Deposits Upto 80% only Rate of Interest to Domestic Deposits
Documents required for CUB HOUSING LOAN
Documents required for CUB HOUSING LOAN PAN Card Voter ID Ration Card Driving Licence Passport Employment Details Salary Certificate Income Proof Quotation from the vendor Construction Agreement (for House
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
INTEREST RATES ON EXPORT CREDIT AND LOANS AGAINST FCNR(B) / NR(E)RA DEPOSITS
S ON EXPORT CREDIT AND 1 2 S ON NORMAL RUPEE EXPORT CREDIT PRE-SHIPMENT EXPORT CREDIT (a) i) Upto 180 days ii) Beyond 180 days and upto 270 days iii) Beyond 270 days + 3.50% (b) Against incentives receivable
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
Non-Trade: Working Capital & Term loans. Spread Effective Lending
Non-Trade: Working Capital & Term loans Table- (i) a. Aggregate Limits :> Rs. 500 crore SB-1 8.15% 2.00% 0.75% 8.90% SB-2 8.15% 2.00% 0.75% 8.90% SB-3 8.15% 2.50% 1.50% 9.65% SB-4 8.15% 2.50% 1.50% 9.65%
Revision in Base Rate w.e.f
Bank of India Head Office CORPORATE CREDIT Department Revision in w.e.f. 31.03.2017 ---------------------------------- 1. has been revised from 9.65% to 9.55% p.a. w.e.f. 31.03.2017. 2. BPLR continues
# 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. ---------------------------------------------------------------------------------------------
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.
1. RATE OF INTEREST IN CASE OF RUPEE EXPORT CREDIT Annexure IV Category of Export Credit Rate of Interest on advances % age per annum 1. Pre-Shipment Credit a) Upto 180 days OBC 1 to 3: BR+0.50% OBC 4
/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
Rate of Interest for existing Rupee Export Credit (Linked to BR) Part I Base Rate (BR) 9.50% 9.50%
Part I Base Rate (BR) 9.50% 9.50% Nature of Advance A. Pre-shipment Credit a. Up to the cyclical period as approved by Bank in all not exceeding 270 days. b. If the Pre-shipment Credit is outstanding beyond
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