| Sl.No. |
Type of Loan
|
Interest Rate
|
|
01.
|
(a)Personal Surity Loan (DSP)
i) upto Rs.1,00,000/- & 72 Instalments
ii) Rs 1,00,001/- to 4,00,000/- and 120 Instalments
|
11.50%
11.50%
|
|
(b)Personal Surity Loan (Other than DSP)
{upto Rs.50,000/- & 36 Instalments
|
13.00%
|
| (c)Festival Loan(10 Installments) |
11.50%
|
|
02.(I)
|
House Building Loan (Floating) :
(a) Upto 120 Instalments |
7.50%
|
| (b) Above 120 to 240 Instalments |
7.60%
|
| (c) For commercial purpose |
11.00%
|
|
02.(II).
|
House Building Loan (Fixed) :
Fixed Interest rate
|
12.50%
|
|
03.
|
(a) Consumption Loan (DSP) |
11.50%(Floating)
|
(b) Consumption Loan (Other than DSP)
{Maximum Rs.2,00,000/- & 96 Instalments} |
13.00%(Floating)
|
|
04.
|
(a) Car / Two Wheeler Loan
{Maximum Instalment 108 for Old/NewTwo Wheeler/Old Four Wheeler) |
11.00% (Floating)
12.00% (Fixed)
|
|
(b) In case of use of the Vehicle Commercially
|
11.00% (Floating)
|
|
05.(a)
|
Education Loan
(a) For Rs. 1,50,000/-(DSP Members)
(Maximum Instalment 96)
|
11.50% (Floating)
|
|
05.(b)
|
Education Loan : (With Gestation Period for Repayment)
(Max. Rs. 15 Lakh in India 20 Lakh outside India)
(a) Upto Rs.5,00,000/- |
9.75% (Floating)
|
(b) Above Rs.5,00,000/-
{Maximum Instalment 96}
Repayment – From 1st month to the end of the course and 06 months thereafter Rs.100/- towards principal loan + Interest due on Loan amount.
|
9.75% (Floating)
|
|
06.
|
Advance against NSC/KVP/LIC –
(a) Upto Rs.1,00,000/-
(b) Above Rs.1,00,000/- |
|
|
07.
|
Cash Credit / Over Draft
|
|
|
08.
|
B.S.K.P. Loan
|
|
|
09.
|
BSL/Term/Mortgage Loan
(Maximum 84 Months)
|
|
|
10.
|
(a) ADDA – T/L |
|
| (b) DMC – T/L |
|
|
11.
|
Travelling Incidental Expenses Loan
|
|
|
12.
|
S.H.G.L.
|
|
|
13.
|
B.B.P.L.
|
|
|
14.
|
M.F.L.
|
|
|
15.
|
Service Under 5 years of DSP Members (with Salary) :
(a) Personal Loan Rs. 1,00,000/- |
|
| (b) Education Loan Rs. 75,000/- |
|
| (c) Consumption Loan Rs. 1,00,000/- |
|
| (d) Festival Loan Rs.15,000/- |
|
| (e) Travlling Incidental Expenses Loan Upto 50,000/- |
|
|
|
(i) Employees, who have completed one year of service, eligible for HBL |
|
| (ii) Employees who have completed two years of service but not yet completed three years of services eligible for Car Loan with 50% Collateral Security |
| (iii)Employees, who have completed three years of service will be eligible for Car Loan without collateral security. |
| (iv)Employees, who have joined DSP are entitled to get two wheeler Loan |
|
16
|
LOAN FOR LAND PURCHASE :
Upto Rs.7,00,000/- for all categories members.
|
|
|
17
|
|
|
