RETAIL & MSME LOANS - INTEREST RATE LINKED TO MCLR I. RETAIL LOANS

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1 RETAIL & MSME LOANS - INTEREST RATE LINKED TO MCLR I. RETAIL LOANS 1. HOUSING LOANS i SyndNivas ii SyndKuteer (Scheme For Economically Weaker Section (EWS) and Low Income Group (LIG) Category) iii iv Tie-Up arrangements with Army Group Insurance Fund (AGIF), Army Welfare Housing Organisation (AWHO), Air Force and Naval Housing Board (ANHB), M/s Oil India Limited Housing loan CRE (Third House onwards) HOUSING LOAN - TOP UP facilities One MCLR % One 1.00% Sl No Product / Scheme Rate of interest i SyndNivas Plus One MCLR % ii SyndDelight One 2.85 % 2. VEHICLE LOANS Sl No SyndVahan Rate of interest i Two Wheelers a) General public One MCLR % ii Four Wheelers a) 4 Wheelers ( Salary credited at our bank with minimum CIBIL Score 700) One MCLR +0.50% b) 4 Wheelers One 0.75% 3. EDUCATION LOANS SYNDVIDYA : Sl No Quantum of loan Rate of interest i Upto ` 4.00 One MCLR % ii Above ` 4.00 to ` 7.50 One MCLR % iii Above ` 7.50 One MCLR % Sl No Skill Loans Rate of interest i Loans of ` 5,000/- to ` 150,000/-. One

2 Details of Concession on Education loans: Sl No Name of the Scheme Concessions in interest Target group % on SC/ST Boy applicable rate student 0.75% on SC/ST Girl SyndVidya & Skill loans applicable rate 1% on applicable rate student All Borrowers of Govt /PSUs/ Blue Chip Cos. Maximum 1% concession for all the above criteria. Repayment Remarks Over all concession shall not exceed 1%. With tie up arrangement and/or irrevocable undertaking letter from employer is provided Interest Concession of 1% is eligible if the interest is regularly serviced during the study period and subsequent moratorium period. With cumulative concessions the rate of interest shall not be less than one MCLR. Sl No SyndSuper Vidya Rate of interest i. If interest is serviced during moratorium One Year MCLR + period 0.10% ii. If interest is not serviced during moratorium One MCLR + period 1.10% Sl No SyndVidya-Abroad Rate of interest i Loans above ` to ` One 2.10% a. 1% interest concession shall be provided, if interest is serviced during the study period and subsequent moratorium period prior to commencement of repayment. b. 1% concession in applicable rate is available to children of Employees of Government Department / Public Sector Undertakings like Banks, LICs etc.,/corporations, Blue Chip Companies and including Children of our staff members. Note : Rate of interest after cumulative concessions mentioned above shall not be less than MCLR. 4. SYNDSARAL LOANS i SyndSaral One MCLR % ii SyndSaral (Non Salaried ) OSL One MCLR % iii Loans against NSC, KVP, IVP, SV of LIC Policy, RBI Relief Bonds One MCLR %

3 iv SyndConnect One MCLR % v SyndSenior One MCLR % 5.SYNDMORTGAGE LOAN AGAINST MORTGAGE Sl No Quantum of loan Rate of interest i For loans up to ` 5.00 Crore One MCLR % ii For Loans above ` 5.00 Crore One MCLR % 6.SYNDRENT FINANCING AGAINST RENT RECEIVABLES /LRD Sl No Category / Quantum of loan Rate of interest i For loans up to ` 5.00 Crore a) Accounts classified as CRE One MCLR % b) Accounts classified as Non CRE One MCLR % ii For Loans above ` 5.00 Crore a) Accounts classified as CRE One MCLR % b) Accounts classified as Non CRE One MCLR % 7. SYNDSWARNA NON AGRICULTURE i SYNDSWARNA-Non Agriculture Bullet repayment ( Repayable within 12 months) ii SYNDSWARNA-Non Agriculture EMI facility ( Repayable within 36 months) One MCLR % iii SYNDSWARNA-Non Agriculture 6Month 1 day ( Repayable within 6 month 1 day) Note: Gold loans shall be sanctioned other than Agriculture Gold Loans, where Interest Subvention is available. 8. OTHER RETAIL LOAN PRODUCTS PRODUCT Rate of interest Sl No i SyndVarshini One MCLR % ii SyndSolar One MCLR +0.10% Iii SyndVisharanthi Fixed rate 1

4 II. MSME LOANS A) MUDRA SCHEME : MUDRA Loans (including Weavers MUDRA Scheme) Up to ` 1.00 (Working Capital & Term Loans) Above ` 1.00 lakh to ` One MCLR Up to and inclusive of One 1.00% Above One B) MICRO & SMALL ENTERPRISES:(SYNDUDYOG,SYNDVYAPAR& OTHER MSME) Credit facilities Upto and inclusive of Above One One Up to ` 50000/- 0.50% 0.75% Above ` 50000/- up to ` % Credit Rating SYND 1 SYND 2 SYND 3 SYND 4 SYND 5 SYND 6 SYND7 & Below Above Rs & up to Rs Covered under Not covered under CGMSE CGMSE Up to and Above Up to and Above inclusive One inclusive One of One of One 1.00% 1.00% Above Rs Up to and inclusive of One 3.00% 3.00% 3.50% Above One 3.25% 3.25% 3.75%

5 C) MEDIUM ENTERPRISES (IRRESPECTIVE OF EXPOSURE): Rating Up to and inclusive of one Above one SYND 1 MCLR + MCLR + SYND 2 MCLR + MCLR + SYND 3 MCLR + MCLR % SYND 4 MCLR % MCLR % SYND 5 MCLR % MCLR % SYND 6 MCLR % MCLR % SYND7 & Below MCLR % MCLR % D) OTHER MSME PRODUCTS: Sl Product Quantum of loan Rate of interest 1 SyndDoctor Up to ` MCLR + Above ` MCLR + 2 SyndProfessional Up to ` MCLR + Above ` MCLR + 3 SyndContractor Up to ` MCLR + Above ` MCLR + Syndicate General Credit Card Scheme (SGCC) Credit facilities Up to & inclusive of one Above one a) Upto ` 50000/- 0.50% 0.75% b) Above ` 50000/- and upto ` c) Above ` % As applicable for Micro and Small Enterprises