PERSONAL SEGMENT ADVANCES INTEREST RATES SBH BASE RATE- 9.50% w.e.f. 06.05.

2011
Sl. No 1 Scheme Period Amount Existing Rates at Base Rate 9.00% Housing Loan (w.e.f.23.05.2011) a) Upto 5 years Upto 30 Lacs Above 30 lacs b) 5 to 15 years Upto 30 Lacs Above 30 lacs c) 15 to 20 years Upto 30 Lacs Above 30 lacs 1.b Fixed Rate Housing Loans (Maximum Rs. 10 Lacs) Maximum term 10 years) 1.c Other Housing Loans: i) ii) VAMBAY Credit cum Subsidy Scheme Fixed at 10.00% p.a Fixed at 10.00% p.a B.R + 4.00% = 13.00% p.a B.R + 4.00% = 13.50% p.a B.R + 1.25% = 10.25% p.a Revised Rates at Base Rate 9.50% B.R + 1.25% = 10.75% p.a

B.R + 1.75% = 10.75% p.a B.R + 1.25% = 10.25% p.a

B.R + 1.50% = 11.00% p.a B.R + 1.25% = 10.75% p.a

B.R + 2.00% = 11.00% p.a B.R + 1.50% = 10.50% p.a

B.R + 1.75% = 11.25% p.a B.R + 1.25% = 10.75% p.a

B.R + 2.25% = 11.25% p.a

B.R + 2.00% = 11.50% p.a

B.R + 4.50% = 13.50% p.a

B.R + 4.50% = 14.00% p.a

iii) SBH Gruhini iv) Rajiv Gruhakalpa v) JNNURM

B.R + 4.50% = 13.50% p.a

B.R + 4.50% = 14.00% p.a

Fixed at 9.00% p.a 0.50% concession on Normal Housing Loan Interest Rates 0.50% concession on Normal Housing

Fixed at 9.00% p.a 0.50% concession on Normal Housing Loan Interest Rates 0.50% concession on Normal Housing

vi)

Rajiv-Swagruha Scheme

vii) Varun Mithra Rain Water Harvesting Scheme 2 Car Loans (w.e.f.23.05.2011) less than 3 years 3 to 5 years 5 to 7 years Old Vehicle (w.e.f.23.05.2011) Less than 3 years 3 to 5 years Upto 5.00 Lacs

As per Housing Loan Interest Rates

As per Housing Loan Interest Rates

B.R + 3.25% = 12.25% p.a

B.R +2.50% = 12.00% p.a

B.R + 3.50% = 12.50% p.a

B.R + 2.75% = 12.25% p.a

B.R + 3.75% = 12.75% p.a B.R + 6.25% = 15.25% p.a

B.R + 3.00% = 12.50% p.a B.R + 5.50% = 15.00% p.a

B.R + 6.50% = 15.50% p.a

B.R + 5.75% = 15.25% p.a

Advantage Car Loan (w.e.f.23.05.2011)

less than 3 years 3 to 5 years 5 to 7 years Above 5.00 Lacs

B.R + 3.00% = 12.00% p.a

B.R + 2.25% = 11.75% p.a

B.R + 3.25% = 12.25% p.a

B.R + 2.50% = 12.00% p.a

B.R + 3.50% = 12.50% p.a

B.R + 2.75% = 12.25% p.a

Personal Loan against Mortgage of Immovable Property- Term Loan/Overdraft Gold Loan (w.e.f. 01.06.2011) Demand Loan

B.R + 4.50% = 13.50% p.a

B.R + 4.50% = 14.00% p.a

B.R + 6.00% = 15.00% p.a

B.R + 4.50% = 14.00% p.a

Overdraft

B.R + 6.50% = 15.50% p.a

B.R + 5.00% = 14.50% p.a

Education Loan

Upto 4.00 lacs Above 4.00 lacs

B.R + 3.50% = 12.50% p.a

B.R + 3.50% = 13.00% p.a

B.R + 4.75% = 13.75% p.a

B.R + 4.75% = 14.25% p.a

Education Loan Plus Scheme

As per Education Loan

As per Education Loan

Coaching Plus Scheme Concession of 50 basis points in rate of interest on Education Loans sanctioned to girl students and all students belong to SC/ST category from 11-02-2008

As per Education Loan

As per Education Loan

SBH SARAL SCHEME

Credit Score60& above Credit Score50-60

B.R + 6.00% = 15.00 % p.a

B.R + 6.00% = 15.50 % p.a

B.R + 7.00% = 16.00% p.a

B.R + 7.00% = 16.50% p.a

7 SBH Fast Credit

With Check off Without Check off

B.R + 5.00% = 14.00% p.a

B.R + 5.00% = 14.50% p.a

B.R + 5.75% = 14.75% p.a

B.R + 5.75% = 15.25% p.a

Personal Loans to Pensioners

B.R + 5.00% = 14.00% p.a

B.R + 5.00% = 14.50% p.a

Personal Loans to Family pensioners

B.R + 5.00% = 14.00% p.a

B.R + 5.00% = 14.50% p.a

10

DL to affluent pensioners

B.R + 5.00% = 14.00% p.a B.R + 6.00% = 15.00% p.a

B.R + 5.00% = 14.50% p.a B.R + 6.00% = 15.50% p.a

11

Kanya Vivah Suvidha Scheme Udyog Bandhu Scheme SBH Tax Suvidha Scheme Adhyapak Suvidha Scheme SBH Rakshak Scheme Vanitha Gold Scheme

12

B.R + 4.50% = 13.50% p.a

B.R + 4.50% = 14.00% p.a

13

B.R + 6.50% = 15.50% p.a

B.R + 6.50% = 16.00% p.a

14

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

15

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

16

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

17

SBH Paryatan Scheme SBH Sanchar Plus Scheme SBH Rail Plus Scheme SBH Journalist Plus Scheme Credit to Credit Card holders (SBH C3 Scheme) SBH Software Professional Scheme

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

18

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

19

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

20

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

21

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

22

B.R + 5.50% = 14.50% p.a

B.R + 5.50% = 15.00% p.a

23

i)Mahila Shakthi a. Working women

B.R + 5.25% = 14.25% p.a B.R + 5.25% = 14.75% p.a

b. House wives ii)career planner a. Working women b. House wives

24

B.R + 4.00% = 13.00% p.a

B.R + 4.00% = 13.50% p.a

B.R + 3.00% = 12.00% p.a B.R + 2.25% = 11.25% p.a B.R + 7.25% = 16.25% p.a

B.R + 3.00% = 12.50% p.a B.R + 2.25% = 11.75% p.a B.R + 7.25% = 16.75% p.a

SCOOM Loan Scheme (for 2 wheelers) Loans against Public Sector Bonds Overdrafts in Public Sector Bonds Computer Loan Scheme Loans to individuals for installation of

25

B.R + 4.50% = 13.50% p.a

B.R + 4.50% = 14.00% p.a

26

B.R + 8.50% = 17.50% p.a

B.R + 8.50% = 18.00% p.a

27

B.R + 6.00% = 15.00% p.a

B.R + 6.00% = 15.50% p.a

28

B.R + 5.00% = 14.00% p.a

B.R + 5.00% = 14.50% p.a

Solar Water devices

29 30

Clean Overdrafts Loans to individual against Shares and Debentures/ Bonds/ Units/ Mutual Funds Advances against surrender value of Life Insurance Policy Loans to employees to purchase shares of their own companies under employee quota Loan against Gold Bonds
RBI Relief Bonds Adv. against Govt sec, NSC, IVP's etc Loans to landlords for const of accomodation for bank use a) Upto and inclusive of Rs. 2.00 Lacs

B.R + 8.50% = 17.50% p.a B.R + 4.50% = 13.50% p.a

B.R + 8.50% = 18.00% p.a B.R + 4.50% = 14.00% p.a

31

B.R + 3.50% = 12.50% p.a

B.R + 3.50% = 13.00% p.a

32

B.R + 1.25% = 10.25% p.a

B.R + 1.25% = 10.75% p.a

33

B.R + 4.50% = 13.50% p.a

B.R + 4.50% = 14.00% p.a

34 35

B.R + 3.50% = 12.50% p.a B.R + 3.25% = 12.25% p.a

B.R + 3.50% = 13.00% p.a B.R + 3.25% = 12.75% p.a

36

B.R + 3.50% = 12.50% p.a

B.R + 3.50% = 13.00% p.a

B.R + 4.50% = 13.50% p.a b) Above Rs. 2.00 lacs

B.R + 4.50% = 14.00% p.a

37

Loans to trainees for pilot training programme and air hostess courses (a) land and building (b) Govt sec, NSC (c) Banks TDRs/STDRs B.R + 5.25% = 14.25% p.a B.R + 5.25% = 14.75% p.a

B.R + 4.25% = 13.25% p.a 1.00 % Above the rate of interest on TDR Concession of 0.25 % on all loans other than Housing Loans

B.R + 4.25% = 13.75% p.a 1.00 % Above the rate of interest on TDR Concession of 0.25 % on all loans other than Housing Loans

38

SBH Siri Sampada Scheme

39

Reverse Mortgage Loans B.R + 3.00% = 12.00% p.a Public B.R + 2.00% = 11.00% p.a SBH Pensioners B.R + 2.00% = 11.50% p.a B.R + 3.00% = 12.50% p.a

40

Loan for Earnest money deposit for allotment of Pot/House/Flat INDIRAMMA URBAN HOUSING SCHEME NON SHG Upto 2.00 Lacs Above 2.00 Lacs

B.R + 3.50% = 12.50% p.a

B.R + 3.50% = 13.00% p.a

41

Fixed at 9.00% p.a B.R + 2.75% = 11.75% p.a

Fixed at 9.00% p.a B.R + 2.75% = 12.25% p.a

42

TL Nano Car Upto 5 years Above 5 years B.R + 2.75% = 11.75% p.a B.R + 3.00% = 12.00% p.a B.R + 2.75% = 12.25% p.a B.R + 3.00% = 12.50% p.a

43

Advances against Bank TDR ( for Domestic) a) Advance to : i) The customer(s) either singly or jointly ii) One of the partners of a partnership firm iii) The proprietor of a proprietary concern and the advance is made to such concern iv) A ward whose guardian is competent to borrow on behalf of a ward and where the advance is made to the guardian of the ward in such capacity II Advances against Bank TDRs (Domestic) b) To borrowers other than those included in a) (I to iv) Advances to third parties against Bank's own TDRs, SPL TDRs, in the name of others (irrespective of the limit) Adv. against balances in the Janata Dep. A/c a) For Public b) For staff (as laid down in the scheme approved by RBI)

1. 50 % above the interest rate allowed on the deposit

1. 50 % above the interest rate allowed on the deposit

44

i) 1.50% above the rate allowed on deposit or ii) The rate of Interest applicable to the activity financed viz. SSI/SBF/ AGR etc.( whichever is higher of the above) iii) However if the loan is granted in PER segment, rate of interest to be charged will be the same rate as applicable for clean overdrafts.

i) 1.50% above the rate allowed on deposit or ii) The rate of Interest applicable to the activity financed viz. SSI/SBF/ AGR etc.( whichever is higher of the above) iii) However if the loan is granted in PER segment, rate of interest to be charged will be the same rate as applicable for clean overdrafts.

45

B.R + 4.00% = 13.00% p.a B.R + 2.00% = 11.00% p.a

B.R + 4.00% = 13.50% p.a B.R + 2.00% = 11.50% p.a