ROI for Retail & MSME Advances

 

Retail Credit

1 YEAR MCLR AT 8.65% P.A. W.E.F. 10.01.2017

Sl. No.

Type of Loans & Advances

Revised Rate of interest in percentage (%) p.a.

1

V - CASH

 

a) General

1 YEAR MCLR+4.85%=13.50%

b) Pensioners

1 YEAR MCLR+3.85%=12.50%

2

Vijaya Home Loan

1 YEAR MCLR+0.25%=8.90%

3

V-Elite Home Loan

1 YEAR MCLR+0.25%=8.90%

4

Vijaya Home Loan Plus

1 YEAR MCLR+3.05=11.70%

5

Vijay Kisan Home Loan

1 YEAR MCLR+0.25%=8.90%

6

Vijaya Top-Up Loan

 

a) Secured

1 YEAR MCLR+3.05%=11.70%

 

b) Unsecured

1 YEAR MCLR+4.05%=12.70%

7

V - Wheels

 

a)   V-Wheels-4 wheelers

1 YEAR MCLR+0.80%=9.45%

 

b)   V-Wheels-2 wheelers

1 YEAR MCLR+3.00%= 11.65%

8

V- Combo

(Vehicle loan for Home Loan customers)

1 YEAR MCLR+0.65=9.30%

9

V-Vehicle

1 YEAR MCLR+2.35=11.00%

10

V-Cab

1 YEAR MCLR+2.35=11.00%

11

Small Road Transport Operators (SRTO)

 

a)   Upto and inclusive of Rs.25.00 Lakh

1 YEAR MCLR+2.35%=11.00%

 

b)   Above Rs.25.00 Lakh

1 YEAR MCLR+2.60%=11.25%


12.

Education Loan

12a.

IBA Model Education Loan Scheme for Higher Education*


a)    Amount upto & Inclusive of Rs.4.00 Lakhs

1 YEAR MCLR + 2.00% = 10.65%

 

b)    Above Rs.4.00 Lakhs upto & inclusive of Rs.7.50 Lakhs

1 YEAR MCLR + 2.00% = 10.65%

 

c)    Above Rs.7.50 lakhs

1 YEAR MCLR + 1.85%  = 10.50%

 

d)    Students admitted to Top Rated Institutions

1 YEAR MCLR + 0.80% =  9.45%

12.b

IBA Model Education Loan Scheme vocational Education & Training Courses (HOC 12158). (scheme discontinued)

1 YEAR MCLR+ 2.60% =  11.25%

12.c

Education loan to student admitted under Management Quota (Non-IBA)

1 YEAR MCLR + 3.35% = 12.00%

12.d

IBA Model Education Loan scheme for Skill Development.

1 YEAR MCLR + 1.50% = 10.15%

12.e

Education Loan to Indian School of Business student)

Merged with 12.a(d)

12.f

Education Loan to the students of Premier Central Institutions

Merged with 12.a(d)

 

*i). Concession of 0.50% in ROI for girl students for above mentioned schemes

 ii). Int. concession of 0.50%  for V-Gen Uth account holders for the last 5 years

 iii). For Education loans availed by our staff/wards of staff/retired staff, Interest concession is eligible to the extent of maximum of 1.50% for girl students and 1% for boy students (including additional 0.50% for girl student and 0.50% for V-GenUth account holder) over and above the card rate as applicable to general public.

 iv). However the ultimate rate of interest should not be below 1 YEAR MCLR in any case.

13

Jewel Loan

 

a)     Non Agriculture purpose

1 YEAR MCLR+2.60%=11.25%

 

b)    Agriculture purpose

 

 

i) For short term crop loans up to Rs.3 lacs where interest subvention is available.

      7%

 

For Agriculture & Allied Activities other than under interest subvention scheme

 

ii)  Upto & inclusive of Rs.2 lacs

1 YEAR MCLR +1.10%=9.75%

 

iii)  Above Rs.2 lacs & inclusive of  Rs.5 lacs

1 YEAR MCLR +1.45%=10.10%

 

c) Above Rs.5 lacs

1 YEAR MCLR + 2.60%=11.25%

  d) Jewel Loan (Non-Agriculture) to home loan borrowers

1 YEAR MCLR + 2.35% =11.00%

14

Vijaya Mangala

1 YEAR MCLR + 3.30% = 11.95%

15

V-Mortgage Loan

1 YEAR MCLR + 3.25% = 11.90%

16

V-Reverse Mortgage (with reset clause once in every 5 years)

10.80% (fixed)

17

V-Doctor

1 YEAR MCLR+2.35% = 11.00%

18

V-Entrepreneur

1 YEAR MCLR+2.60% = 11.25%

19

V-Restaurant

1 YEAR MCLR+2.85% = 11.50%

20

V-Dhanya – Rice Mill

 

Upto & inclusive of Rs. 100.00 lakh

1 YEAR MCLR+2.85%=11.50%

 

Above Rs.100.00 lakh

1 YEAR MCLR+3.35%=12.00%

21

V-Dhanya – Dal Mill

 

Upto & inclusive of  Rs. 100.00 lakh

1 YEAR MCLR+2.85%=11.50%

 

Above Rs.100.00 lakh

1 YEAR MCLR+3.85%=12.50%

22

V-Dhanya – Flour Mill

 

Upto & inclusive of Rs. 100.00 lakh

1 YEAR MCLR+2.85%=11.50%

 

Above Rs.100.00 lakh

1 YEAR MCLR+3.85%=12.50%

23

V-Swadesh      

 

a)    Upto & inclusive of Rs.5 Cr

1 YEAR MCLR+2.80%=11.45%

 

b)    Above Rs.5 Cr

1 YEAR MCLR+3.05%=11.70%

24

MSE Vijay (scheme discontinued)

 

a)     Upto & inclusive of Rs.10.00 Lakh

1 YEAR MCLR+1.80%=10.45%

 

b)      Above Rs.10.00 Lakh   

1 YEAR MCLR+2.30%=10.95%

25

V-Cashew

 

a)    Covered by CGTMSE

1 YEAR MCLR+1.10%=9.75%

 

b)    Not covered by CGTMSE

1 YEAR MCLR+2.10%=10.75%

26

VSOD

1 YEAR MCLR+3.80%=12.45%

27

V-Swashakthi

As applicable for Micro manufacturing/Service Enterprises (MSEs)

28

V- Solar

 

a)    For lighting

1 YEAR MCLR + 5.30 = 13.95%

 

b)    For heating

1 YEAR MCLR + 3.65% = 12.30%

29

V-Professional (Scheme discontinued)

a) Rural / Semi-urban

1 YEAR MCLR+5.30%=13.95%

b) Others

1 YEAR MCLR+6.30%=14.95%

30

V-Equip

a)    Where Salary is credited with us

1 YEAR MCLR+3.10%=11.75%

b)    for others

1 YEAR MCLR+4.10%=12.75%

31

V- Mudra Card

1 YEAR MCLR+1.15%=9.80%

32

V- Mudra Weavers’ card

 

a)    Upto and inclusive of Rs.50000/-

1 YEAR MCLR+1.35%=10.00%

 

b)    Above Rs.50000 and upto & inclusive of Rs.2.00 Lakhs

1 YEAR MCLR+1.85%=10.50%

 

c)    Above Rs.2.00 Lakhs and upto &  inclusive of Rs.5.00 Lakhs

1 YEAR MCLR+2.60%=11.25%

34

PMJDY Overdraft

1 YEAR MCLR+2.80%=11.45%

35

V-Rent

 

a)    Upto 5 years

1 YEAR MCLR+3.00%=11.65%

 

b)    Above 5 years

1 YEAR MCLR+3.50%=12.15%
    36

Home Loan for 3rd Dwelling Unit

1 YEAR MCLR+0.25% +1.00% =9.90%

 37

V-Auditor

1 YEAR MCLR+2.35% = 11.00%

 

 

Micro, Small and Medium Enterprises (MSME)

1 YEAR MCLR AT 8.65% P.A. W.E.F. 10.01.2017

(A)      Micro Manufacturing Enterprises:

i)     Loans upto & inclusive of Rs.50,000/-

1 YEAR MCLR+1.35%=10.00%

ii)    Above Rs.50,000 upto & inclusive of  Rs.2.00 lakh

1 YEAR MCLR+1.85%=10.50%

iii)   Above Rs.2.00 lakh upto & inclusive of Rs.25.00 lakh

1 YEAR MCLR+2.60%=11.25%

iv)   Above Rs.25.00 lakh upto & inclusive of  Rs.50.00 lakh

1 YEAR MCLR+2.85%=11.50%

v)    Above Rs.50.00 lakh

1 YEAR MCLR+3.60%=12.25%

(B)      Micro Service Enterprises:

i)     Loans upto & inclusive of  Rs.50,000/-

1 YEAR MCLR+1.85%=10.50%

ii)    Above Rs.50,000 upto & inclusive of    Rs.2.00 lakh

1 YEAR MCLR+2.35%=11.00%

iii)   Above Rs.2.00 lakh upto & inclusive of  Rs.25.00 lakh

1 YEAR MCLR+2.85%=11.50%

iv)   Above Rs.25.00 lakh

1 YEAR MCLR+3.60%=12.25%

(C)      Small Manufacturing Enterprises: 

i)     Loans upto & inclusive of  Rs.50,000/-

1 YEAR MCLR+2.10%=10.75%

ii)    Above Rs.50,000 upto & inclusive of    Rs.2 lakhs

1 YEAR MCLR+2.60%=11.25%

iii)   Above Rs.2.00 lakhs upto & inclusive of  Rs.25.00 lakhs

1 YEAR MCLR+3.35%=12.00%

iv)   Above Rs.25.00 lakhs upto & inclusive of  Rs.50.00 lakhs

1 YEAR MCLR +3.60%=12.25%

v)    Above Rs.50.00 lakhs upto & inclusive of  Rs.1.00 crore

1 YEAR MCLR+3.85%=12.50%

vi)   Above Rs.1.00 crore

1 YEAR MCLR+4.35%=13.00%

(D)      Small Service Enterprises:

i)     Loans upto & inclusive of  Rs.50,000/-

1 YEAR MCLR+2.60%=11.25%

ii)    Above Rs.50,000 upto & inclusive of    Rs.2.00 lakhs

1 YEAR MCLR+3.10%=11.75%

iii)   Above Rs.2.00 lakhs upto & inclusive of  Rs.25.00 lakhs

1 YEAR MCLR+3.85%=12.50%

iv)   Above Rs.25.00 lakhs upto & inclusive of  Rs.50.00 lakhs

1 YEAR MCLR+4.35%=13.00%

v)    Above Rs.50.00 lakhs

1 YEAR MCLR+4.60%=13.25%

(E)Medium Manufacturing and Service Enterprises

i)     Loans upto & inclusive of  Rs.1.00 crore

1 YEAR MCLR+4.35%=13.00%

ii)    Above Rs.1.00 crore and upto  & inclusive of  Rs.5.00 crore

1 YEAR MCLR+4.60%=13.25%

iii)   Above Rs.5.00 crore

1 YEAR MCLR+4.85%=13.50%

 

 

 

 

 

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