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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1 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 to 6: BR+0.75% OBC 7 to 10: BR+1.00% b) Above 180 days and upto 360 days OBC 1 to 3: BR+0.75% OBC 4 to 6: BR+1.00% OBC 7 to 10: BR+1.25% c) Above 360 days BR+6.75% d) For exporters under Gold Card Scheme (upto 360 days) OBC 1 to 3: BR+0.50% OBC 4 to 6: BR+0.75% OBC 7 to 10: BR+1.00% e) For exporters under Gold Card Scheme (over 360 days) BR+6.75% f) Proceeds adjusted by Rupee funds from borrower s own BR+6.75%+2% from date of advance resources 2. Post-Shipment Credit a) On demand bills for transit period (as specified by FEDAI) OBC 1 to 3: BR+0.50% OBC 4 to 6: BR+0.75% OBC 7 to 10: BR+1.00% 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 OBC 1 to 3: BR+0.75% OBC 4 to 6: BR+1.00% OBC 7 to 10: BR+1.25% (ii) Above 180 days and upto 365 days OBC 1 to 3: BR+1.25% OBC 4 to 6: BR+3.25% OBC 7 to 10: BR+3.75% (iii) Above 365 days BR+6.75%
2 Category of Export Credit (iv) Upto 365 days for exporters under the Gold Card Scheme (v) Beyond 365 days for exporters under the Gold Card Scheme (vi) If credit is adjusted out of Rupee funds from borrower s own resources (vii) Against incentives receivable from Government covered by ECGC guarantee /Against undrawn balances/against retention money (for supplies portion only payable within one year from the date of shipment (All upto 90 days) 3. Deferred Credit Deferred credit for the period beyond 180 days 3. Export Credit Not otherwise specified (ECNOS) Pre shipment Credit Post shipment credit If the credit is adjusted out of rupee funds received from ECGC towards settlement of claims under the transfer delay guarantee Where exports do not take place Rate of Interest on advances % age per annum OBC 1 to 3: BR+0.50% OBC 4 to 6: BR+0.75% OBC 7 to 10: BR +1.00% BR+6.75% BR+6.75%+2% from date of advance BR+1.25% BR+6.75% BR+6.75% BR+6.75% BR+6.75% BR+6.75%+2% from date of advance Page 2 of 17
3 Category of Export Credit Rate of Interest on advances % age per annum INTEREST RATES ON OVERDUE EXPORT BILLS A. Rate of Interest On overdue post shipment Rupee BR+4% from the original due date of Bill. Export Credit, if the same is adjusted a. Out of Rupee funds of the borrower s own resources, as per RBI vide DBOD.Dir.BC.No.85/ / dated April 18,2011 on Liquidation of Post Shipment Rupee Export Credit. (The rate of interest from the date of advance to the original due date shall remain unchanged.) b. Out of Other permissible proceeds, as per the RBI master circular DBOD No.DIR. (Exp).BC / dated July 1, 2010 on Rupee/ Foreign Currency Export Credit and Customer Services. c. Partly out of rupee funds as mentioned in point a above and partly out other permissible proceeds as mentioned in point b above. Page 3 of 17
4 2. RATE OF INTEREST UNDER VARIOUS SCHEMES Construction Contractors Scheme For Working Capital facilities and Term Loans to contractors. Internal Rating Grade 1 BR % 2 BR % 3 BR % 4 & 5 BR % 6 & Above BR % Applicable Rate of Interest Corporate Loan Scheme Pricing shall be approved by the respective Sanctioning Authority. Future Rental Scheme Future Rental Scheme Commercial Real Estate Category Limit Slab Upto `1.00 Crore BR % > `1.00 Crore to `10.00 Crore BR % > `10.00 Crore to `50.00 Crore BR % Above `50 Crore BR % Non-Commercial Real Estate Category: Upto `1.00 Crore BR % > `1.00 Cr to `10.00 Crore BR % > `10.00 Crore to `50.00 Crore BR % Above ` 50 Crore BR % Rate of Interest Page 4 of 17
5 3. INTEREST RATES ON ADVANCE TO MICRO AND SMALL ENTERPRISES (MFG & SERVICES) NOT CATEGORIZED UNDER PRIORITY SECTOR %AGE PER ANNUM Size of the limit Internal Rating Grade Rate of Interest Up to ` N.A BR+1.75% Above `50000 but up to `2.00 Lacs Above `2.00 Lacs but up to `25.00 Lacs Above `25.00 Lacs and up to `1.00 Crore N.A N.A BR+2.00% BR+2.25% 1 BR+2.50% 2 BR+2.75% 3 BR+3.00% 4 BR+3.25% 5 BR+3.50% 6 & Below BR+3.75% Above `1.00 Crore 1 BR+2.75% 2 BR+3.00% 3 BR+3.50% 4 BR+4.00% 5 BR+4.50% 6 & Below BR+5.50% Page 5 of 17
6 4. INTEREST RATES ON ADVANCE TO MEDIUM ENTERPRISES (MFG & SERVICES) NOT CATEGORIZED UNDER PRIORITY SECTOR %AGE PER ANNUM Size of the limit Internal Rating Grade Rate Of Interest Up to `25.00 Lacs 1 BR % Above `25.00 Lacs and up to `1.00 Crore 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % 1 BR % 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % Above `1.00 Crore 1 BR % 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % Page 6 of 17
7 5. INTEREST RATES ON ADVANCE TO MICRO AND SMALL ENTERPRISES (MFG & SERVICES) CATEGORIZED UNDER PRIORITY SECTOR %AGE PER ANNUM Size of the limit Internal Rating Grade Rate of Interest Up to ` N.A BR+1.75% Above `50000 but up to `2.00 Lacs Above Rs 2.00 Lacs but up to `25.00 Lacs Above `25.00 lac and up to `1.00 Crore N.A N.A BR+2.00% BR+2.25% 1 BR+2.25% 2 BR+2.50% 3 BR+3.00% 4 BR+3.00% 5 BR+3.00% 6 & Below BR+3.00% Above `1.00 Crore 1 BR+2.25% 2 BR+2.50% 3 BR+3.00% 4 BR+3.50% 5 BR+3.50% 6 & Below BR+3.50% Page 7 of 17
8 6. INTEREST RATES ON ADVANCE TO MEDIUM ENTERPRISES (MFG & SERVICES) CATEGORIZED UNDER PRIORIY SECTOR %AGE PER ANNUM Size of the limit Internal Rating Grade Rate of Interest Up to `25.00 Lacs 1 BR % Above `25.00 Lacs and up to `1.00 Crore 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % 1 BR % 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % Above `1.00 Crore 1 BR % 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % Page 8 of 17
9 7. INTEREST RATES ON ADVANCE TO MICRO AND SMALL ENTERPRISES (MSE) UNDER CREDIT GUARANTEE SCHEME OF CGTMSE %AGE PER ANNUM Size of the limit Internal Rating Grade Rate of Interest Up to ` For all grades BR Above `50000 but up to `2.00 Lacs Above `2.00 Lacs but up to `25.00 Lacs Above `25.00 Lacs and up to `1.00 Crore For all grades BR For all grades BR % 1 BR % 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % Page 9 of 17
10 8. ADVANCE AGAINST DOMESTIC TERM DEPOSITS, NRE DEPOSITS, FCNR (B) DEPOSITS AND RESIDENT FOREIGN CURRENCY DEPOSITS Advance against Self Deposits Domestic / NRE Deposit provided that the deposit/s stands/stand either in the name(s) of the borrower himself/borrowers themselves, or in the names of the borrower jointly with another person Advance against Third Party Deposits Domestic / NRE Deposit where the deposits do/does not stands/stand either in the name(s) of the borrower himself/borrowers themselves, or in the names of the borrower jointly with another person. If the term deposit against which an advance was granted is withdrawn before completion of the prescribed minimum maturity period Rate of Interest on advances % age per annum 1.00% over the applicable rates of interest on deposits. 2.00% over the applicable rates of interest on deposit with a floor of BR BR %+2.00% RUPEE LOAN AGAINST FCNR DEPOSITS/ RESIDENT FOREIGN CURRENCY DEPOSIT (RFC) (IN INDIA) Loan for self Term Loan Period Interest rate Upto 2 years BR % 2 year and above but less than 3 year BR % 3 years and above BR % Rate of Interest on advances % age per annum Loan for Third Party Term Loan Upto 2 years BR % 2 year and above but less than 3 year BR % 3 years and above BR % Page 10 of 17
11 Demand Loans Interest Rate for Demand Loans for self/third party shall be as above according to the residual maturity of deposit as the repayment period is not specified by the customer. FOREIGN CURRENCY LOAN AGAINST FCNR DEPOSITS (IN INDIA) Foreign Currency Loan to self against FCNR deposit Foreign Currency Loan to third party against FCNR deposit 2.00% over the applicable rate of interest on deposits 3.00% over the applicable rate of interest on deposits FOREIGN CURRENCY LOAN AGAINST NRE DEPOSITS (IN INDIA) 1. Foreign currency loans against NRE deposits shall be priced keeping in view the swapped cost of foreign currency funds, as applicable. 2. Minimum 2% spread in interest rate over swapped cost in case of deposit holder and Minimum 3% spread in interest rate over swapped cost shall be charged in case of third party. Page 11 of 17
12 9. INTEREST RATES ON PAPER SECURITIES, RELIEF BONDS OF RBI & OTHER ADVANCES Advance up to `10 Lacs against LIC policies, NSCS, KVP, other postal securities, govt. & other paper securities not covered under Retail Scheme. Advance above `10.00 Lacs Against LIC policies, NSCS, KVP, other postal securities, govt. & other paper securities not covered under Retail Scheme. BR % (%AGE PER ANNUM) BR % irrespective of size of Limit Advance up to `10 Lacs against Relief Bonds issued by RBI BR % Advance above `10 Lacs against Relief Bonds issued by RBI BR % irrespective of size of Limit Advances against Shares/Debentures/ Bonds Advances / Withdrawals against Uncleared Effects BR % Clean Overdraft/Clean Demand Loan BR % BR % irrespective of size of Limit Loans/Advances/Cash Credit/Overdraft against commodities subject to Selective Credit Control Any other category not covered above. BR % irrespective of size of Limit BR % irrespective of size of Limit Page 12 of 17
13 10. INTEREST RATES ON ADVANCES TO NBFCs SPREAD OVER BASE RATE BASED ON THE COMBINATION OF INTERNAL AND EXTERNAL RATING GRADE OF THE BORROWER Internal Credit Risk Rating External Credit Risk Rating AAA AA A BBB BB B C D Unrated Large Corp. Unrated Mid Corp. OBC % 0.75% 1.25% 2.25% 3.00% 3.50% 4.00% 5.00% 2.00% 2.50% OBC % 1.50% 2.00% 2.75% 3.25% 3.75% 4.00% 5.00% 2.50% 3.00% OBC % 2.00% 2.75% 3.25% 3.75% 4.00% 4.25% 5.00% 3.00% 3.50% OBC % 2.25% 3.00% 3.75% 4.00% 4.25% 4.50% 5.00% 3.50% 4.00% OBC % 2.75% 3.25% 4.00% 4.25% 4.50% 4.75% 5.00% 3.75% 4.25% OBC % 3.25% 3.50% 4.25% 4.50% 4.50% 4.75% 5.00% 3.75% 4.50% OBC % 3.75% 3.75% 4.25% 4.50% 4.75% 4.75% 5.00% 4.00% 4.75% OBC % 4.00% 4.00% 4.50% 4.75% 4.75% 4.75% 5.00% 4.50% 4.75% OBC % 4.50% 4.50% 4.50% 4.75% 4.75% 4.75% 5.00% 4.75% 4.75% OBC % 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 11. INTEREST RATES ON BILL DISCOUNTED / PURCHASED UNDER LETTER OF CREDIT TYPE OF LETTER OF CREDIT TENOR OF BILL (%AGE PER ANNUM) Rate of interest on Upto 90 Days Negotiating/Discounting of Bills BR % under Inland Letter of Credit (DA) Above 90 Days and upto 180 Days BR % Rate of interest on Bills Purchased under Inland Letter of Credit (DP) DP BR % Page 13 of 17
14 12. TRADING & SERVICE SECTOR COVERED UNDER PRIORITY SECTOR Advances to Traders & Service enterprises covered under priority sector as per RBI guidelines & guidelines issued by RDPSD, Head Office from time to time and other advances covered under specific scheme approved by the Bank. %AGE PER ANNUM AS APPLICABLE TO MICRO & SMALL ENTERPRISES. However, traders with limit above 20 lacs are to be treated as conventional. 13. TRADING AND SERVICE SECTOR NOT COVERED UNDER PRIORITY SECTOR Rate of Interest on advances % age per annum Trading / Service Sector (Not covered under the Priority Sector or any other specific scheme) Internal Rating Grade 1 BR % 2 BR % 3 BR % 4 & 5 BR % 6 & Above BR % Applicable Rate of Interest Page 14 of 17
15 14. LIGHT AND HEAVY COMMERCIAL VEHICLE %AGE PER ANNUM Size of the limit Internal Rating Grade Rate of Interest Up to ` N.A BR +1.50% Above `50000 but up to `2.00 Lacs Above `2.00 Lacs but up to `25.00 Lacs Above `25.00 Lacs and up to `1.00 Crore N.A BR +1.75% N.A BR % 1 BR % 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % Above `1.00 Crore 1 BR % 2 BR % 3 BR % 4 BR % 5 BR % 6 & Below BR % Page 15 of 17
16 15. RATE OF INTEREST ON TRANSPORT SECTOR ADVANCES AND SCHEMES FOR TRANSPORT (PRIORITY SECTOR) Scheme for financing Retro fitment of CNG Kits in Diesel Buses, Taxis, Three Wheelers Loan amount upto `2.00 Lacs BR % Loan amount above `2.00 Lacs BR % Scheme for granting second term loan for purchase of Tyres, Repairs of Body, Chassis and Engine for Buses, Taxis, Three-Wheelers. Irrespective of size of limit BR % %AGE PER ANNUM Scheme for financing Autos / Taxis Loan amount upto `0.50 Lacs BR % Loan amount above `50000 & upto `2.00 Lacs BR % Loan amount above `2.00 Lacs BR % Scheme for purchasing new Truck, Bus, Pick-up van and other transport vehicles (Priority and non-priority) Loan amount upto `5.00 Lacs BR % Loan amount above `5.00 Lacs BR % Page 16 of 17
17 16. INTEREST RATES ON ADVANCES TO OTHER CONVENTIONAL LOANS NOT SPECIFIED ELSEWHERE SPREAD OVER BASE RATE BASED ON THE COMBINATION OF INTERNAL AND EXTERNAL RATING GRADE OF THE BORROWER Internal Credit Risk Rating External Credit Risk Rating AAA AA A BBB BB B C D Unrated Large Corp. Unrated Mid Corp. OBC % 0.75% 1.25% 2.25% 3.00% 3.50% 4.00% 5.00% 2.00% 2.50% OBC % 1.75% 2.50% 2.75% 3.25% 3.75% 4.00% 5.00% 2.50% 3.00% OBC % 2.00% 2.75% 3.25% 3.75% 4.00% 4.25% 5.00% 3.00% 3.50% OBC % 2.25% 3.00% 3.75% 4.00% 4.25% 4.50% 5.00% 3.50% 4.00% OBC % 2.75% 3.25% 4.00% 4.25% 4.50% 4.75% 5.00% 3.75% 4.25% OBC % 3.25% 3.50% 4.25% 4.50% 4.50% 4.75% 5.00% 3.75% 4.50% OBC % 3.75% 3.75% 4.25% 4.50% 4.75% 4.75% 5.00% 4.00% 4.75% OBC % 4.00% 4.00% 4.50% 4.75% 4.75% 4.75% 5.00% 4.50% 4.75% OBC % 4.50% 4.50% 4.50% 4.75% 4.75% 4.75% 5.00% 4.75% 4.75% OBC % 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% 5.00% Page 17 of 17
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