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Rate of Interest

External Benchmark Linked Lending Rate (EBLR) for Retail Product

  CIBIL Credit Vision Score Repo Rate
(3 Month Review)
in %
Spread in % Revised EBLR
(in %)
PSB APNA GHAR 768-900 4.00 2.90 6.90
753-767 4.00 3.00 7.00
732-752 4.00 3.20 7.20
690-731 4.00 3.45 7.45
641-689* 4.00 3.60 7.60
PSB APNA GHAR Top-up 768-900 4.00 4.10 8.10
753-767 4.00 4.20 8.20
732-752 4.00 4.40 8.40
690-731 4.00 4.65 8.65
PSB APNA VAHAN Four Wheeler Vehicle 768-900 4.00 3.10 7.10
753-767 4.00 3.20 7.20
732-752 4.00 3.40 7.40
690-731 4.00 3.65 7.65
641-689* 4.00 3.90 7.90
Two Wheeler Vehicle 767-900 4.00 7.85 11.85
753-767 4.00 8.00 12.00
732-752 4.00 8.20 12.20
690-731 4.00 8.45 12.45
641-689* 4.00 8.60 12.60
Old Four Wheeler Vehicle 768-900 4.00 5.85 9.85
753-767 4.00 6.00 10.00
732-752 4.00 6.20 10.20
690-731 4.00 6.50 10.50
 

PSB APNA VAHAN for other than individual
Table A

Commercial CIBIL RANK / External Rating EBLR
  Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
1 or AAA 4.00 3.10 7.10
2 or AA 4.00 3.20 7.20
3-4 or A 4.00 3.40 7.40
5-6 or BBB and BB 4.00 3.65 7.65
*7-8 or BBB and BB (*Terms & Conditions Apply) 4.00 3.90 7.90
 
    CIBIL Credit Vision Score Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
PSB Sukhmoney (Reverse Mortgage Loan Scheme) Up to Rs.20 lakh 768-900 4.00 4.90 8.90
753-767 4.00 5.00 9.00
732-752 4.00 5.20 9.20
690-731 4.00 5.45 9.45
Above Rs.20 lakh 768-900 4.00 5.35 9.35
753-767 4.00 5.50 9.50
732-752 4.00 5.70 9.70
690-731 4.00 5.95 9.95
PSB Personal Loan Salaried Class - Salary disbursed through our branches (Including SB OD Accounts) 4.00 7.10 11.10
For Pensioners 4.00 7.10 11.10
IBA Model Education Loan scheme Loan up to Rs.4 Lakh 4.00 5.10 9.10
Loan Above Rs.4 Lakh & up to Rs.7.50 Lakh 4.00 5.10 9.10
Above Rs.7.50 Lakh 4.00 4.60 8.60
PSB Excellence-Education Loan Loan up to Rs 20 lakh 4.00 4.30 8.30
IBA Skill Loan Loan up to Rs 1.50 lakh 4.00 6.10 10.10
PSB Mortgage Term Loan facilities (for Personal Use) 768-900 4.00 5.35 9.35
753-767 4.00 5.50 9.50
732-752 4.00 5.70 9.70
690-731 4.00 5.95 9.95
PSB Kisan Home Loan Up to Rs. 20.00 lakh Same ROI as applicable to PSB Apana Ghar Scheme      
     
     
     
PSB Gold Loan Loan/Limits upto Rs 10.00 lakh 4.00 3.00 7.00
Loan/Limits above Rs.10.00 lakh 4.00 3.50 7.50
 

External Benchmark Linked Lending Rates (EBLR) for Micro Small and Medium Enterprises.
Table ‘B’
Funded Exposure Up to Rs. 10 lakh

Description Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
Up to 5 Lakh 4.00 3.00 7.00
Above 5 Lakh to 10 lakh 4.00 3.85 7.85
 

Funded Exposure above Rs.10 lakh

Internal Rating Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
1 4.00 5.10 9.10
2 4.00 5.40 9.40
3 4.00 5.95 9.95
4 4.00 6.45 10.45
5 4.00 6.95 10.95
6 4.00 7.30 11.30
7 4.00 8.10 12.10
 
Table ‘C’

ROI for Ancillary Activities (Agriculture) Loan Products

Rate of Interest(%PA) for Loan up to Rs 10.00 Lakh
Limit Repo Spread (in %) Effective ROI (%)
Upto Rs 10 Lakh 4.00 3.00 7.00%
 
Internal Rating Repo Rate In % Spread (in %) Revised EBLR In %
1 4.00 4.50 8.50
2 4.00 4.60 8.60
3 4.00 4.70 8.70
4 4.00 4.80 8.80
5 4.00 4.90 8.90
6 4.00 5.05 9.05
7 4.00 5.20 9.20
 
                Table ‘D’

ROI for Rupee Export Credit

Internal Rating Repo Rate In % Spread (in %) Revised EBLR In %
1 4.00 3.95 7.95
2 4.00 4.05 8.05
3 4.00 4.15 8.15
4 4.00 4.30 8.30
5 4.00 4.35 8.35
6 4.00 4.60 8.60
7 4.00 5.40 9.40
 
PRIORITY SECTOR (MSME) SCHEMES Product information Repo Rate
(in %)
Spread
(in %)
EBLR
(in %)
PSB Scheme on Financing Food & Agro Processing Units Above 100 crore 4.00 As per Table 'B'
PSB Scheme on Financing Rice Shellers Above 100 crore 4.00 As per Table 'B'
PSB Agri-Produce Pledge Loan (against warehouse receipt) Scheme   4.00 4.10 8.10
PSB KRISHAK MITRA i) Upto and Inclusive of Rs.100 lakh 4.00 3.95 7.95
ii) Above Rs.100 lakh 4.00 4.50 8.50
Vyapar Loan Working Capital Term Loan facilities repayable upto 5 years 4.00 5.65 09.65
Term Loan facilities repayable upto 10 years 4.00 5.90 09.90
Overdraft facilities 4.00 5.40  9.40
PSB Liquid plus Scheme Term Loan facilities repayable upto 5 years 4.00 5.25  9.25
Term Loan facilities repayable above 5 years 4.00 5.45  9.45
Overdraft facilities 4.00 5.00  9.00
Commercial Vehicle Loan Loan up to Rs. 25 lakh 4.00 5.35  9.35
Loan above Rs. 25 lakh 4.00 5.85  9.85
PSB Doctor Special Loan Scheme        
Above Rs.10 lakh & Upto Rs.2 Crore 4.00 5.75  9.75
Above Rs.2 crore & Upto Rs.5 Crore 4.00 6.00  10.00
PSB Contractor Plus Term Loan Facilities Repayable upto 10 years 4.00 5.75  9.75
Overdraft facilities 4.00 5.05  9.05
PSB Flexi Term Loan 4.00 5.05  9.05
PSB Guaranteed Emergency Credit Line (PSB GECL) for Business Enterprises Scheme code - ECLTLGL Upto 5 lac 4.00 3.00  7.00
Above 5 lac 4.00 3.50  7.50
PSB-PM Svanidhi Scheme 4.00 5.50  9.50
PSB-CGSSD 4.00 4.50  8.50
PSB Mortgage Term Loan facilities (For MSME) As per Table 'B'
Overdraft facilities (For MSME) As per Table 'B'
Scheme for financing Micro-Finance Institutions (MFIs)   As per Table 'B'
PSB Scheme for Financing Agri- Seed Processing Units Above 100 crore As per Table 'B'
PSB Scheme for financing of E-Rikshaws (ECO-RIDE Scheme)   As per Table 'B'
STAND UP INDIA   As per Table 'B'
DAY NRLM   As per Table 'B'
DAY NULM   As per Table 'B'
PMEGP (Other than Agri)   As per Table 'B'
PSB Scheme for financing Solar heating System   As per Table 'B'
MNRE’s Scheme for Establishment of Akshya Urja Shops   As per Table 'B'
Non-Schematic MSME   As per Table 'B'
Please click here for rate of interest - MCLR, Base Rates & BPLR
 
 

Service Charges on Priority Sector

SEGMENT PROCESSING FEES + GST (additional) RENEWAL/REVIEWAL CHARGES + GST (additional) DOCUMENTATION FEES + GST (additional)
KCC Upto Rs.3 Lakh NIL No Fee for Renewal Loans upto Rs.2Lakh NIL
Above Rs.3 Lakh i) 0.50% of limit (for portion above Rs.3 Lakh) with minimum of Rs. 500/- at the time of sanction only.
ii) Processing Fee will be applicable in case of enhancement above Rs.3 Lakh, on enhanced portion only.
iii) No processing Charge to be levied at the time of renewal
Loans >Rs.2 Lakh & upto Rs.25 Lakh @Rs.100 per lac subject to maximum Rs.2000/-
Loans >Rs.25 Lakh  & upto Rs.50 Lakhs Rs. 2000 + @Rs. 150 per lac on loan/ limit in excess of Rs. 25 Lacs subject to maximum of Rs.5000/-
>Rs.50 Lakh & above Rs. 5000 + @Rs. 200 per lac on loan/ limit in excess of Rs. 50 Lacs subject to maximum of Rs.10000/-
TERM LOAN
AGRI
Upto Rs.25,000/- NIL No Fee for Reviewal. Levied @ same as on KCC.
Above Rs.25000/- and upto Rs.2 Lakh Rs.400/-
Above Rs.2 Lakh @1.00% (New Borrower)
@0.75% (5 yr. old Borrower)
@0.50% (20 yr. old Borrower)
No Fee for reviewal.
RICE SHELLER Rs.100/- per lac.for W.C and for term loans upfront fee Rs.50/- per lac (Subject to a max. of Rs.25,000/-). ZM  permitted to waive processing fee by 50% of the applicable  fee  in cases of fresh taken over from other banks and high value accounts having  internal credit rating 1 & 2 only. W.C. Rs.100/- per lac max. of Rs.25000/- Upto Rs. 2 Lacs NIL
Above Rs. 2 Lacs & upto Rs.25 Lakh Rs.2500/-
Above Rs. 25 Lacs & upto Rs.100 Lakh Rs.5000/-
Above Rs. 100 Lacs Rs.10000/-
Term Loan For term loans fee upfront Rs.50/- per lac (Subject to a max. of Rs.25,000/-). ZM  permitted to waive processing fee by 50% of the applicable  fee  in cases of fresh taken over from other banks and high value accounts having  internal credit rating 1 & 2 only.
(Fee for Reviewal of Term Loans O/s of Rs. 10 Lacs and above to be charged @0.05% without any cap on every reviewal)
For Supplying Copy of Documents
Upto Rs.25000/- NIL
Above Rs. 25000/- & upto Rs.100 Lakh Rs.500/-
Above Rs. 100 Lacs     Rs.1000/-plus actual Charges    
MSME Upto Rs.5 Lakh
(WC/ Term Loan)
  NIL Upto Rs. 25000/- NIL Upto Rs. 2 Lacs NIL
Above Rs.25000/- & upto Rs.2 Lakh Rs.400/- Above Rs. 2 Lacs & upto Rs.25 Lakh Rs.2500/-
Above Rs.5 Lakh Above Rs.2 Lakh Above Rs. 25 Lacs & upto Rs.100 Lakh Rs.5000/-
WC Limit Other than Real Estate Sector Real Estate WC Limit   Other than Real Estate Sector Real Estate Above Rs. 100 Lacs Rs.10000/-
(a) (i) Working Capital above Rs. 5 Lakh to Rs.50 lakh 0.50% of limit with minimum of Rs. 500/- with no cap at the time of sanction/ renewal every year. Rs. 500/- per lakh or part thereof with no cap (a) (i) Working Capital above Rs. 2 Lakh to Rs.50 lakh 0.50% of limit with minimum of Rs. 500/- with no cap at the time of sanction/ renewal every year. Rs. 500/- per lakh or part thereof with no cap For Supplying Copy of Documents
Upto Rs.25000/- NIL
1% with no cap and 50% of applicable charges on renewal every year.     (a) (ii) Working Capital above Rs.50 lakh 1% with no cap and 50% of applicable charges on renewal every year.
(a) (ii) Working Capital above Rs.50 lakh
(b) Term Loans above Rs.5 Lakhs @1.00% (New Borrower)
@0.75% (5 yr. old Borrower)
@0.50% (20 yr. old Borrower)
(b) Term Loans above Rs.2 Lakhs  @1.00% (New Borrower)
@0.75% (5 yr. old Borrower)
@0.50% (20 yr. old Borrower)
(Fee for Reviewal of Term Loans O/s of Rs. 10 Lacs and above to be charged @0.05% without any cap on every reviewal.)
Above Rs. 25000/- & upto Rs.100 Lakh Rs.500/-
Above Rs. 100 Lacs Rs.1000/-plus actual Charges
 
 

 

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