Globing

RETAIL ADVANCES ANNEXURE IV

(Rate of Interest w.e.f. 05.02.2011)

S.NO SCHEME

Rate OF INTEREST % Base Rate %

(a) Spread %

(b) Effective Rate %

(a+b)=(c) Processing Charges

1

Direct Housing Finance

0.50 % of loan amount, maximum Rs.20,000/-

i) upto Rs.30 lacs

a) upto 5 years tenure 9.50 +0.50 10.00

b) 5 to 10 years tenure 9.50 + 0.75 10.25

c) 10 to 25 years tenure 9.50 + 1.00 10.50

ii) above Rs.30 lacs

a) upto 5 years tenure 9.50 + 1.25 10.75

b) 5 to 10 years tenure 9.50 + 1.50 11.00

c) 10 to 25 years tenure 9.50 + 1.75 11.25

Cent Home Loan Plus - 1% ABOVE THE APPLICABLE HOUSING LOAN RATE Rs.500/- per proposal

2 Cent Buy 9.50 + 3.75 13.25 Rs.200/- per proposal

3 Loan to Pensioner 9.50 + 4.00 13.50 Nil

4 Cent Swabhimaan 9.50 + 2.00 11.50 0.15% of loan amt, min. Rs. 500/- and max. Rs.10,000/-

Cent Swabhimaan Plus 9.50 + 1.50 11.00 Same as above

5 Personal Loan to Corporate Employees 9.50 + 4.00 13.50 Rs.500/- per proposal

6 Personal Loan to Non Corporate Employees 9.50 + 5.00 14.50 Rs.500/- per proposal

7 Loan to Teachers 9.50 + 2.75 12.25 Rs.500/- per proposal

8 Loan to LIC Agents 9.5 + 4.00 13.50 Rs.250/- per proposal

9 Cent Vehicle

a) New vehicles repayable within 36 months 9.50 + 2.00 11.50 Rs.500/- per proposal for 2 wheeler

b) New vehicles repayable beyond 36 months 9.50 + 3.00 12.50 Rs.2000/- per proposal for 4 wheeler

c) Second hand vehicles 9.50 + 4.00 13.50

Cent Vehicle- TATA Vehicle:

Upto 36 months 9.50 + 1.50 11.00

Rs.2000/- per proposal for 4 wheeler

> 36 months to 60 months 9.50 + 2.00 11.50

> 60 months 9.50 + 3.00 12.50

10 Cent Vidyarthi - Studies In India / Abroad

Nil

i) Male 9.50 + 2.00 11.50

ii) Female/ SC/ST Candidates /

IIT/IIM 9.50 + 1.50 11.00

11 Executive MBA 9.50 + 4.00 13.50 Rs.10,000/- lump sum

12 Special Loan Scheme for IIM students

Nil

Male Students 9.50 +2.25 11.75

Female, SC,ST, Minority Community Students 9.50 +1.75 11.25

13 Cent Trade 9.50 + 3.00 12.50 Upto Rs. 25,000/- : NIL

More than Rs.25,000/- up to Rs. 2 lakh: Rs. 250/- per proposal.

- More than Rs. 2 lakh upto Rs. 50 lakh: 0.5% of loan amt

14 Cent Vyapari 9.50 + 3.00 12.50 Rs. 1000/- per proposal

15 Cent Rental

1% of the loan amount subject to min. of Rs.5,000/- and max. of Rs.2.00 lakh.

i) Loan upto 3 years 9.50 + 5.00 14.50

ii) Loan above 3 years 9.50 + 6.00 15.50

16 Cent Computer 9.50 + 5.00 14.50 Rs.100/- per proposal

17 Cent Liquid 9.50 + 4.00 13.50 1% of loan amt, min. Rs. 500/-

18 Cent School 9.50 + 3.00 12.50 Nil

19 Cent Jewel 9.50 + 2.00 11.50 Rs.500/- per proposal

20 Cent Vivah 9.50 + 2.00 11.50 Nil

21 Cent Safar 9.50 + 4.00 13.50 Rs.1000/- per proposal

22 Cent Suvidha 9.50 + 4.00 13.50 Nil

23

Cent Doctor

0.5% of loan amount Maximum Rs.10,000/-

i) For equipments/working capital 9.50 + 2.25 11.75

ii) For construction of clinic 9.50 + 2.50 12.00

24 Cent Mortgage TL: 0.50 % of loan amt., maximum Rs.20,000/-Overdraft : 0.50 % of loan amt., maximum Rs.10,000/-

Irrespective of Tenor and Facility

9.50 + 4.50 14.00

25 Cent Personal - Gold Loan

0.5% of the loan amount plus applicable Appraiser Fee.

Overdraft 9.50 +3.00 12.50

Demand Loan 9.50 +4.00 13.50

26 Cent Comp-Exam

Rs.200/-

i) Male 9.50 +4.00 13.50

ii) Female, SC, ST, Minorities 9.50 +3.50 13.00

27 Cent Mortgage-Educational Institute 9.50 +4.50 14.00 TL: 0.50 % of loan amt., max. Rs.20,000/-Overdraft : 0.50 % of loan amt., max. Rs.10,000/-, Renewal max. Rs.2000/-

RETAIL ADVANCES ANNEXURE IV

(Rate of Interest w.e.f. 05.02.2011)

S.NO SCHEME