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
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1 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 % + BSS Non MSEs + 1% + BSS Non MSEs *The slab wise ROI shall be applicable to loans under PMMY (Prime Minister Mudra Yojana) scheme also. 2. Risk Based Pricing for loans above Rs 25 lakh RBP 1: Risk Based Pricing for exposure above Rs.25 lakh & up to Rs 5 crore shall be as per latest Internal Credit Risk Rating: Existing ROI Revised ROI ( + Risk Premium + BSS) ( + Risk Premium + BSS) Internal Rating For exposure above Rs.10 lakh and upto Rs. 5 crore For exposure above Rs. 25 lakh and upto Rs. 5 crore AAA % + BSS % + BSS AA % + BSS % + BSS A % + BSS % + BSS BBB % + BSS % + BSS BB % + BSS % + BSS B & C % + BSS % + BSS RBP 2: Risk Based Pricing for exposure above Rs 5 crore shall be as per External Rating vis-a-vis Internal Credit Rating matrix: External Rating Externally Matrix AAA AA A BBB BB& B C & D Unrated Internal rating AAA AA A BBB BB & B C & D +0.50% +0.50% +0.75% +1.50% +3.00% +0.75% +0.75% +1.00% +1.50% +3.00% +1.00% +1.25% +1.25% +1.75% +2.00% +2.25% +2.50% +2.50% +3.00% +3.25% +4.50% +3.75% +4.25% +4.50% +4.50% % % % % % % Externally Unrated PSU % % % % % % Page 1
2 Business Strategic Spread (BSS): The existing Business Strategy Spread (BSS) in addition to Credit Risk Premium shall be continued as under: 1. For advances up to Rs. 25 crore BSS shall be at least 25 bps. 2. For advances above Rs. 25 crore BSS shall be at the discretion of Sanctioning Authority. Risk premium on Commercial Real-Estate (CRE) exposures: Additional risk premium applicable on CRE exposure shall be continued as under: Additional Load Factor for CRE exposure For exposure less than Rs 20 crore For exposure equal to or more than Rs 20 crore 25 bps to 100 bps up to 100 bps Incentive for collateral securities- Reduction in rate of interest: In order to mitigate the credit risk with the appropriate collateral security, at present a discount/ reduction in rate of interest is offered based on percentage of Collateral securities offered by the borrower/borrowing unit. The incentive of reduction in applicable interest rate shall be as under: Percentage of collateral security offered Discount/ reduction in rate of interest offered More than 50% to 75% 0.25% More than 75% to 100% 0.50% More than 100% 0.75% Eligible collateral securities for concession in rate of interest for all categories of advances are as under: SN Nature of Security Valuation 1 Free hold Land and Building ( exc. Agricultural land) Distress value 2 Paper securities in the form of (a) Term Deposit Receipts Principal + accrued interest. Value applicable to payment before maturity. (b) NSCs/KVPs( Kisan Vikas Patra) Principal +accrued interest (c) Insurance policies Surrender value (d) Debt instruments of public Ltd companies with AAA and Principal amount /Market AA rated by RBI approved external rating agencies value whichever is lower (e) Government securities ( only central and state government bonds Principal amount/market value whichever is lower 3 Gold Valuation by approved Valuer Page 2
3 ii) Scheme for Financing to Trade, Service & MSE (loan against property): loan against security of Property /NSC/KVP/ Bank TDR/ Other paper security Existing Rate of Interest Proposed ROI Loan for Priority Sector Base Rate % +3.25% Loan for Non-Priority Sector Base Rate % iii) Special scheme for financing Doctors, Chartered Accountants, Engineers and Architects: Loan amount Existing Rate of Interest Proposed ROI Loan upto Rs lakh Base Rate % +0.50% Loan above Rs. 100 lakh and upto Rs. 200 lakh Loan above Rs. 200 lakh and upto Rs. 500 lakh Base Rate +2.00% Base Rate +3.00% +2.00% +3.00% iv) Special scheme for financing Transport Operators (Mahabank Transport operator Loan scheme.) Loan amount ( For New Vehicle) Existing Rate of Interest Proposed ROI Loan upto Rs lakh Base Rate % +0.50% Loan above Rs. 25 lakh and upto Rs. 100 lakh Loan above Rs. 100 lakh and upto Rs. 200 lakh Base Rate +1.50% Base Rate +2.50% +1.50% +2.50% Only for existing accounts (Financing to old vehicle is discontinued) Loan amount ( For old Vehicle) Existing Rate of Interest Proposed ROI Loan upto Rs lakh Base Rate % +0.50% Loan above Rs. 25 lakh and upto Rs. 100 lakh Loan above Rs. 100 lakh and upto Rs. 200 lakh Base Rate +2.50% Base Rate +2.50% v) Loans under PMMY (MUDRA) Scheme: Existing Slab Existing ROI Proposed ROI Loan upto Rs lakh Base Rate Page 3
4 Interest Rates on Advances Against Paper Securities (viz. NSCs, KVPs, LIC Policies and RBI bonds): Particulars Rate of Interest Rate Advances against Paper Securities +2.00% Rate of Interest for Rupee advances granted against the security of Bank s own third party Domestic/NRE term deposits: Particulars ROI for Loan against Deposit ROI for Cash Credit Deposit Loans upto and inclusive of Rs.2 Lakh Loans above Rs.2 Lakh 1% above rate of interest payable on deposit or One year whichever is higher 2% above rate of interest payable on deposit or One year whichever is higher 2% above rate of interest payable on deposit or One year whichever is higher 3% above rate of interest payable on deposit or One year whichever is higher Rate of Interest for Mahabank Realty Finance Scheme: Mahabank Realty Finance Scheme ROI under Mahabank Realty Mortgage Scheme % Mahabank Realty Rental Scheme % Interest Rates on Rupee advances granted against the security of FCNR(B) deposits of the bank (own & third party): Credit Facility Term Loan against the security of FCNR(B) deposits Cash Credit against the security of FCNR(B) deposits ROI under One year +1% One year +1.50% 2. Agriculture: i. Agriculture Cash Credit / Working Capital Limits* / Term Loans Size of Advance Existing Rate of Interest Proposed ROI Up to Rs.50000/- Base Rate % +0.75% Above Rs.50000/-& up to Rs.2 lakh Base Rate % +1.50% Above Rs.2 lakh & up to Rs.10 lakh Base Rate % +2.00% Page 4
5 Above Rs.10 lakh Base Rate % +3.00% *Short term production credit including Gold Loan up to Rs lakh to Farmers where interest subvention is available *Short term production credit including Gold Loan above Rs lakh to Farmers where interest subvention is not available Advances under Mahabank Krishi Shakti Yojana for selected districts & selected crops as per guidelines Loans for construction of Rural Godown / Warehouse upto Rs Crore 7.00% (Fixed). If loan remains unpaid after cut-off date/period stipulated as per Interest Subvention Scheme, applicable rate of interest will be as per above slabs. Applicable rate of interest will be as per above slabs. Base Rate % Base Rate+0.50% 7.00% (Fixed). If loan remains unpaid after cut-off date/period stipulated as per Interest Subvention Scheme, applicable rate of interest will be as per above slabs. Applicable rate of interest will be as per above slabs % +0.50% ii. Advances to FSCS / PACS /LAMPS: Size of Advance Existing Rate of Interest Proposed ROI Up to Rs.25000/- Base Rate % +1.00% Above Rs.25000/- Base Rate % +1.50% iii. Advances to Self Help Groups (SHGs): Particulars Existing Rate of Interest Proposed ROI For single SHG Base Rate % +1.50% For Federations / NGOs Base Rate % +1.00% 3. Retail Loans: 1. Housing loan: I. Maha Super housing loan: For construction/ acquiring of new or existing house/ flat and extension of existing house/ flat: Existing Revised Amount ROI Amount ROI Up to Rs Lakh 1 year Up to Rs Lakh 1 year Above Rs lakh 1 year +0.50% Above Rs lakh 1 year % Page 5
6 If deductions are considered over & above 60% of Gross income, an additional spread of 0.25% should be charged over and above the regular ROI applicable for the Housing Loan. II. Maha Super Housing Loan scheme: Purchase of plot and construction of House thereon: Existing Revised Amount ROI Amount ROI Up to Rs Lakh 1 year Up to Rs Lakh 1 year Above Rs lakh Note 1 year +0.50% Above Rs lakh 1 year % If deductions are considered over & above 60% of Gross income, an additional spread of 0.25% should be charged over and above the regular ROI applicable for the Housing Loan. If construction of house is not completed within 2 years, rate of interest will be 2% above normal rate of interest as above to be applicable after 2 years. (i.e. for loan up to Rs 100 lakh 1 year + 2% & for loans above Rs 100 lakh- 1 year +0.10%+2.00%) Prepayment 1% of outstanding balance at the time of closure should be charged/ recovered if repaid within 2 years. III. For repairs / renovation/alteration of existing house/flat for new standalone borrowers: Up to Rs. 100 lakh 1 year % 1 year % Above Rs. 100 lakh 1 year % 1 year % IV. Maha Bank Top- up loan scheme: Particulars Deduction up to 60% Deduction more than 60% of Gross Income Existing ROI Revised ROI Existing ROI Revised ROI For repair/ renovation/ Furnishing / extension of house For other purpose 1 year % 1 year 1 year 1 year +0.25% 1 year % 1 year +0.75% 1 year +0.25% 1 year +1.25% Page 6
7 2. Vehicle Loan: (i) Vehicle Loan for second hand Cars & two wheelers : Tenor Existing ROI Revised ROI Mahabank Vehicle Loan 1 year % 1 year % (ii) Maha Super Car Loan for new four wheelers for personal use : Maha Super Car Loan for new four wheelers for personal use 1 year % 1 year % Concessions in interest rate: (a) 0.25% discount in applicable interest rate will be given to Existing Housing Loan / MSME & Corporate borrowers/ Corporate Salary Account holders/ Professional & Self Employed Borrowers having minimum satisfactory standing of 1 year relationship with our Bank. (b) In case of housing loan borrowers whose account remained continuously in standard category for five years and above, rate of interest will be at discount of 0.50%. The above concessions are subject to minimum applicable rate of interest at. 3. Education Loan scheme: Amount of loan Existing ROI Revised ROI Up to Rs 7.50 lakh 1 year % 1 year % Above Rs 7.50 lakh 1 year % 1 year % For loans up to Rs 7.50 lakh covered under credit guarantee scheme, concession of 0.50% offered for ward of housing loan borrowers is discontinued. 4. Skill Loan: Up to Rs lakh 1 year % 1 year % 5. Consumer Loan: Page 7
8 Mahabank consumer loan scheme 1 year % 1 year % 6. Personal Loan: Mahabank Personal loan scheme 1 year % 1 year % 7. Mahabank Aadhar loan scheme: For BOM staff pensioners 1 year % 1 year % For others 1 year % 1 year % 8. Mahabank Gold loan scheme: For gold loans other than agriculture purpose: Mahabank Gold loan 1 year % 1 year % Loan against Hall mark gold jewellery Concession of 0.25% over above mentioned rates Concession of 0.25% over above mentioned rates 9. Salary gain scheme: Mahabank Salary Gain scheme 1 year % 1 year % 10. Solar water heating systems: Domestic users 1 year % 1 year % Institutional users 1 year % 1 year % Industrial / commercial users 1 year % 1 year % 11. Mahabank Reverse Mortgage Loan Scheme: Page 8
9 Up to Rs lakh 1 year % 1 year % Above Rs lakh & up to Rs lakh 1 year % 1 year % ****** Page 9
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