Loans and Advances
|
Purpose for Buying Vehicles |
Purchase of New
Four/Two wheeler, Three wheeler, and Commercial vehicles |
|
Who can Eligible |
1. Salaried employees, Businessmen, professional self
employed, 2. And Commercial Vehicle for business purpose. |
|
Loan Amount |
75 % to 85 % of Basic
Price of vehicles |
|
Margin |
25 % to 15 % |
|
Used vehicle up to three
years- 50 % of Valuation |
|
|
Repayment Period |
Two Wheeler, Three
Wheeler – Maximum 36 months |
|
Processing fee |
NIL |
|
Guarantee |
Two/Three guarantor
Required |
|
Security |
Hypothecation of
Vehicles |
|
Agreement
/Stamp Duty Charges |
0.25% of Sanction Loan Limit or Minimum Rs.
200/- (applicable as per Govt. rules and regulations) |
|
Inspection
Charges |
Two Vehicle : Rs. 100/- One Time |
|
Share Linking |
2.5% of Sanction loan
amount |
|
For Nominal Member |
Nominal membership fees
– Rs.5/- |
|
Foreclosure charges on the outstanding loan amount |
Minimum 3 months
Interest |
|
Purpose |
Business and Social purpose etc. |
|
Who can Eligible |
The applicant must be true owner of the |
|
Loan Amount |
60% to 75% of Valuations and Maximum |
|
Margin |
40% to 25 of Gold Ornaments |
|
Repayment Period |
Within 12 months ( Bullet Payments |
|
Share linking |
Nil |
|
Security |
Gold Ornaments |
|
Guarantee |
No guarantor |
|
Agreement charges/Process Charges |
0.25% of Sanction Loan Limit Minimum Rs. |
|
Valuation Fee |
Up to Rs. 50,000/- : Rs. 200/- |
|
|
Above Rs. 50,000/- : Rs. 300/- |
|
Foreclosure charges on the outstanding loan amount |
Minimum 3 months interest |
|
Purpose |
Purchase of flat, Tenements, Bungalow
and construction of houses |
|
|
Who can Eligible |
Salaried employees, Businessmen,
professional self employed, |
|
|
Loan Amount |
60 % to 75% of marketable value or Estimate
of Construction – Maximum Rs. 30/- Lakhs |
|
|
Margin |
40% to 25% |
|
|
Repayment Period |
Maximum 180 months |
|
|
Guarantee |
Two/Three guarantor possessing property and
also Income tax-payer |
|
|
Security |
Mortgage of property |
|
|
Purpose |
Purchase of flat, Tenements, Bungalow
and construction of houses |
|
|
Who can Eligible |
Salaried employees, Businessmen,
professional self employed, |
|
|
Loan Amount |
60 % to 75% of marketable value or Estimate
of Construction – Maximum Rs. 30/- Lakhs |
|
|
Margin |
40% to 25% |
|
|
Repayment Period |
Maximum 180 months |
|
|
Guarantee |
Two/Three guarantor possessing property and
also Income tax-payer |
|
|
Security |
Mortgage of property |
|
|
Legal Opinion Charges(TC) |
Upto Rs.5.00lacs Rs.5.00 lacs to Rs.10.00 lacs Rs.10.00 lacs to Rs.25.00 lacs Rs.25.00 lacs to Rs.50.00 lacs Above Rs.50.00 lacs |
Rs. 1000/- Rs. 2000/- Rs. 3000/- Rs. 5000/- Rs. 7500/- |
|
Valuation Charges |
Upto Rs.10.00 lacs Rs.10.00 lacs to Rs.25.00 lacs Rs.25.00 lacs to Rs.50.00 lacs Above Rs.50.00 lacs |
Rs. 1000/- Rs. 2000/- Rs. 3000/- Rs. 5000/- |
|
Share Linking |
2.5% of loan amount |
|
|
Agreement Charges/Stamp Duty |
0.35% of Sanction Limit
& Registration & others fees applicable as per Govt. rules. |
|
|
Foreclosure Charges on the
Outstanding Loan Amount |
Minimum 6 months
interest |
|
|
Purpose |
Business and Social purpose etc. |
|
Who can Eligible |
Fixed Deposits Holders or NSC/KVP Holsters |
|
Loan Amount |
85% of Bank own Fixed Deposit, MIP Deposit
and 60 to 75% of KVP / NSC Certificate. |
|
Margin |
15% of Bank own Fixed Deposit ,MIP
Deposit and 40% 25 % of KVP / NSC Certificate |
|
Repayment Period |
Till maturity Date of Fixed
Deposit, MIP Deposits or KVP / NSC certificate |
|
Share linking |
Nil |
|
Security |
Pledge of particular Security of
FDR/MIP/NSC/KVP |
|
Agreement Charges |
Mini. Rs. 100/- or 0.25% of Loan Amount per
agreement in case of KVP / NSC Certificate |
|
Purpose |
Purchase of new machineries /equipments |
|
Who
can Eligible |
Businessmen , Small Industrialist,
Professionals etc. |
|
Loan
Amount |
75% to 85 % of quotation of Machineries |
|
Margin |
25% to 15% of quotation of Machineries |
|
Repayment
Period |
Maximum 60 months |
|
Share
linking |
2.5% of the loan amount sanctioned |
|
Guarantee |
Two/Three guarantor Required |
|
Security |
Hypothecation of Machineries |
|
Processing
fee |
NIL |
|
Agreement
/Stamp Duty Charges |
0.25% of Sanction Loan Limit or Minimum Rs.
200/- (applicable as per Govt. rules and regulations) |
|
For
Nominal Member |
Nominal membership fees – Rs.5/- |
|
Purpose |
Purchase
of new T.V., Freez, A/C., Washing Machine, Laptop, Computer etc.Home
Appliance |
|
Who
can Eligible |
Salaried
employees, Businessmen, professional self employed, |
|
Loan
Amount |
75% of
Quotation Price of Goods |
|
Margin |
25 of
Quotation Price |
|
Repayment
Period |
Maximum
30 months |
|
Share
linking |
2.5
% of the loan amount sanctioned. |
|
Guarantee |
Two/Three
guarantor Required |
|
Security |
Hypothicatioin
of particular Goods. |
|
Processing
fee |
NIL |
|
Agreement
/Stamp Duty Charges |
0.25%
of Sanction Loan Limit or Minimum Rs. 200/- (applicable as per Govt. rules
and regulations) |
|
For
Nominal Member |
Nominal
membership fees – Rs.5/- |
|
Purpose |
Working Capital of Business |
|
Who can Eligible |
Businessman , Traders , Manufacturers
|
|
Loan Amount |
50% to 70 % of Stock or 20 % of
Annual Sales Turnover |
|
Margin |
50% to 30 Stock |
|
Repayment Period |
Renew of the limit every year. |
|
Guarantee |
Two/Three guarantor Required |
|
Security |
Hypothecation of Goods and collateral
security in Form of mortgage of immovable property |
|
Agreement charges/Stamp Duty |
0.25% or 0.35% of Sanction Limit &
Registration and other fees applicable as per Govt. rules. |
|
Inspection Charges/Visit Fee |
Rs. 250/- Quarterly |
|
Share Linking |
2.5% of Loan Amount |
|
Stock Statement Late submission
Charges |
Rs. 100/- per month |
Purpose | Business and Social purpose etc. |
Who can Eligible | The applicant must be true owner of the gold ornaments to be pledged with the Bank |
Loan Amount | 60% to 75% of Valuations and Maximum Limit of Rs. 200000/- |
Margin | 40% to 25 of Gold Ornaments |
Repayment Period | Within 12 months ( Bullet Payments mode ) |
Share linking | Nil |
Security | Gold Ornaments |
Guarantee | No guarantor |
Agreement charges/Process Charges | 0.25% of Sanction Loan Limit Minimum Rs. 200/- |
Valuation Fee | Up to Rs. 50,000/- : Rs. 200/- |
Above Rs. 50,000/- : Rs. 300/- | |
Foreclosure charges on the outstanding loan | Minimum 3 months interest |
Loan Interest Rate As on :- 01/06/2022
| ધિરાણ નો પ્રકાર વ્યાજ દર | ધિરાણ નો પ્રકાર વ્યાજ દર | |||||
| કેશ-ક્રેડિટ (જાત-જામીન) CC | ૧૫ % | હાઇપોથિકેશન / મકાન સામે ઓવરડ્રાફ્ટ HY–OP | ||||
| મશીનરી સામે ૬૦ હપ્તા સુધી ML | ૧૧ % | રૂ.૧૦ લાખ સુધી HY / OP | ૧૧ % | |||
| સોના ના દાગીના સામે GO | ૧૦ % | રૂ.૧૦,૦૦,૦૦૧ થી ૩૦ લાખ HY / OP | ૧૦.૫૦ % | |||
| ગર્વ.સિક્યુરિટી NSC/KVP સામે up to ૭૫% NS | ૧૦ % | રૂ.૩૦,૦૦,૦૦૧ થી ૫૦ લાખ HY / OP | ૧૦ % | |||
| આપણી બેન્ક ની FD સામે up to ૯૦% FO | FD% + ૧% | રૂ.૫૦,૦૦,૦૦૧ થી ઉપર HY / OP | ૯.૫૦ % | |||
| સિટી ટ્રેડ લોન CT . | ઘરવાપરાસ લોન HL/HF . | |||||
| àવાર્ષિક ટર્નઓવર ના ૨૦% / મિલકત વેલ્યુ ના ૭૦% જે ઓછું હોય તે મુજબ લિમિટ àલિમિટ મુજબ વાર્ષિક જે વ્યાજ થાય તેના મિનિમમ ૬૦ % વ્યાજ લાગુ પડસે | ઘરવપરાસ રેગ્યુલર HL | ૧૨ % | ||||
| રૂ.૨૫,૦૦,૦૦૦ થી ૫૦ લાખ CT | ૯.૩ % | ઘરવપરાસ-ફિક્સ રેટ ૫૦૦૦૦ સુધી HF | ૧૧% | |||
| રૂ.૫૦,૦૦,૦૦૧ થી ૭૫ લાખ CT | ૮.૯ % | ઘરવપરાસ-ફિક્સ રેટ ૫૦૦૦૦ થી ઉપર HF | ૧૦% | |||
| રૂ.૭૫,૦૦,૦૦૧ થી ઉપર CT | ૮.૫ % | |||||
| મકાન મોર્ગેજ લોન PL . FP . | નવા મકાન સામે લોન (બાંધકામ/ખરીદવા/રિનોવેશન ) | |||||
| રૂ.૧૦ લાખ સુધી | ૧૪% | ૧૧% | રેગ્યુલર વ્યાજ દર BL | ૧૦ % | ||
| રૂ.૧૦ લાખ થી ૩૦ લાખ સુધી | ૧૩% | ૧૦% | ફિક્સ વ્યાજ દર BF | ૮.૫ % | ||
| રૂ.૩૦ લાખ થી ઉપર | ૧૧% | ૯% | નિયમિત હપ્તા (શરતો ને આધીન) ભરનાર ખાતેદાર ને વ્યાજ માં રાહત | ૦.૫ % | ||
| વ્હીકલ ધિરાણ રેગ્યુલર VL . | વ્હીકલ ધિરાણ ફિક્સ વ્યાજ દર VF . | |||||
| ટુ વ્હીલર ૩૬ હપ્તેથી VL | ૧૨ % | ટુ વ્હીલર ૩૬ હપ્તેથી VF | ૧૦.૫૦ % | |||
| ફોર વ્હીલર મહત્તમ ૬૦ હપ્તા સુધી VL | ૯ % | ફોર વ્હીલર ૮ લાખ સુધી VF | ૮.૫ % | |||
| ત્રણ વર્ષ જૂના ફોર વ્હીલર ૩૬ હપ્તા VL | ૧૨ % | ફોર વ્હીલર ૮ લાખ થી ઉપર VF | ૮.૦ % | |||
| કોમર્શિયલ વ્હીકલ મહત્તમ ૬૦ હપ્તા VL | ૧૦ % | નિયમિત હપ્તા (શરતો ને આધીન) ભરનાર ખાતેદાર ને વ્યાજ માં રાહત | ૦.૫ % | |||