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Annexure-B w.e.f. 01.05.2024
| Sr. No. | Description | Particulars | ROI | ||
|---|---|---|---|---|---|
| 1 | Business Loans includes Flexi Term loan, secured CC Limit, CC - Project (other than Builders) Term Loan, Term Loan for Working capital, Term loan for Purchase Commercial Vehicle(including Auto Rickshaw, Plant & Machinery, irrigation equipment and Term loan for Project loan(Other than Builders), Mortgage loan for purchase of Industrial unit shop/Gala, (DNS MSME & Others) | Upto Rs.50.00 Lakhs | 10.10% | ||
| Above Rs.50.00 Lakhs | Base Rate is 8.85% p.a. and interest will be applicable as per Credit Rating exercise. (8.85% p.a. to 12.35% p.a.) | ||||
| Credit Rating based ROI :- | |||||
| Risk Profile | Grade Secured | Marks Secured | Applicable ROI | ||
| Low Risk | DNS-1 | 90 & Above | 8.85% | ||
| DNS-2 | 85 to 89 | 9.35% | |||
| DNS-3 | 80 to 84 | 9.85% | |||
| Medium Risk | DNS-4 | 75 to 79 | 10.35% | ||
| DNS-5 | 70 to 74 | 10.85% | |||
| DNS-6 | 65 to 69 | 11.35% | |||
| High Risk | DNS-7 | 60 to 64 | 11.85% | ||
| DNS-8 | Below 60 | 12.35% | |||
| 2 | Flexi Overdraft | Upto Rs.50.00 Lakhs - 11.10% & above 50.00 lakhs as per credit rating + 1% additional interest to be charged & If Real Asset Coverage Ratio is greater than or equal to 1.50:1; then Rate of Interest will be 0.50% more than applicable | |||
| 3 | Mudra Loan Cash Credit limit Maximum Rs. 1.00 Lakhs & Maximum Term loan Rs. 10.00 Lakhs including CC | 11.30% | |||
| 4 | Clean Cash credit | 13.30%, if group insurance obtain then 12.80%% | |||
| 6 | Loan Scheme for Professional
| Clean Cash Credit or Term Loan | 11.50% | ||
| Both CIBIL Score 700 & above commercial CIBIL Score up to CMR-5 | 9.75% | ||||
| Both CIBIL Score below 700 & Commercial CIBIL Score above CMR-5 | 10.25% | ||||
| 7 | Scheme for Medical Practitioners Allopathy, Homeopathy, Ayurveda, Dentistry, Ophthalmologist, Veterinary, Physiotherapy, Pharmacy, Radiology, Pathology. | Clean Cash Credit or Term Loan | 11.50% | ||
| Both CIBIL Score 700 & above commercial CIBIL Score up to CMR-5 | 9.75% | ||||
| Both CIBIL Score below 700 & Commercial CIBIL Score above CMR-5 | 10.25% | ||||
| 8 | Lease Rent Discounting (LRD) | Negotiated rates | |||
| 9 | GST Insta Cash Credit Scheme | 9.85% | |||
| 10 | Vendor Financing Scheme | 10.10% | |||
| 11 | Pledge Limit against Sugar Stock/Jaggery Powder/Jaggery | Negotiable - In the line of existing ROI for pledge with other banks | |||
| 12 | Pledge Limit against Stock of Molasses/Ethanol/Rectified Spirit (RS)/Extra Neutral Alchohol (ENA) | Negotiable - In the line of existing ROI for pledge with other banks | |||
| 13 | Pledge Loan - Pledge against Agriculture Commodities to Individual Farmers | 10% p.a. Exclusive of Collateral Manager charges/ Warehouse Charges | |||
| 14 | CGTMSE Guarantee Cover Scheme | 1% above the applicable MSME Scheme & Guarantee Fee is to be paid by the Bank. | |||
| 15 | CGTMSE Guarantee Cover Scheme | Margin 25% & above with CIBIL score above 700 | 8.85% | ||
| Margin 25% above with CIBIL score below 700 | 9.10% | ||||
| Margin deviation below 25% to 10% with CIBIL Score below 700 CIBIL score above 700 | 9.60%, 9.35% | ||||
| 16 | Loan Scheme for employee of M/s. D K Pharma Chem Pvt. Ltd. | 0.50% concession in applicable ROI as per our scheme | |||
*FOR SHORT REVIEW 1% ADDITIONAL INTEREST OVER & ABOVE APPLICABLE ROI TO BE CHARGED
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