Home Loan Interest Rates

HOME LOANS: FLOATING INTEREST CARD RATES W.E.F.11.02.2019

(A)- HOME LOANS (TERM LOAN) including CRE HL:I. TERM LOANS UPTO RS 30 LACS(1-yr MCLR: 8.55%)

Revised Interest Rate

 

Salaried Borrowers (%) :

Non-Salaried Borrowers (%) :

Women

LTV ≤ 80
1 Year MCLR+ 15 bps, ER:8.70
1 Year MCLR+ 30 bps, ER:8.85
LTV > 80
and ≤ 90
1 Year MCLR+ 25 bps, ER:8.80
1 Year MCLR+ 40 bps, ER:8.95

Other

LTV ≤ 80
1 Year MCLR+ 20 bps, ER:8.75
1 Year MCLR+ 35 bps, ER:8.90
LTV > 80
and ≤ 90
1 Year MCLR+ 30 bps, ER:8.85
1 Year MCLR+ 45 bps, ER:9.00

II. TERM LOANS ABOVE RS 30 LACS AND UPTO RS 75 LACS: (1-yr MCLR: 8.55%)

Revised Interest Rate

 

Salaried Borrowers (%) :

Non-Salaried Borrowers (%) :

Women

RG-1, 2 ,3
1 Year MCLR+ 35 bps, ER:8.90
1 Year MCLR+ 50 bps, ER:9.05
RG-4, 5, 6
1 Year MCLR+ 45 bps, ER:9.00
1 Year MCLR+ 60 bps, ER:9.15

Other

RG-1, 2, 3
1 Year MCLR+ 40 bps, ER:8.95
1 Year MCLR+ 55 bps, ER:9.10
RG-4, 5, 6
1 Year MCLR+ 50 bps, ER:9.05
1 Year MCLR+ 65 bps, ER:9.20

III. TERM LOANS ABOVE RS 75.00 LACS – FLOATING RATE: (1-yr MCLR: 8.55%)

Revised Interest Rate

 

Salaried Borrowers (%) :

Non-Salaried Borrowers (%) :

Women

RG-1, 2 ,3
1 Year MCLR+ 45 bps, ER:9.00
1 Year MCLR+ 60 bps, ER:9.15
RG-4, 5, 6
1 Year MCLR+ 55 bps, ER:9.10
1 Year MCLR+ 70 bps, ER:9.25

Other

RG-1, 2, 3
1 Year MCLR+ 50 bps, ER:9.05
1 Year MCLR+ 65 bps, ER:9.20
RG-4, 5, 6
1 Year MCLR+ 60 bps, ER:9.15
1 Year MCLR+ 80 bps, ER:9.35

(B)- MAXGAIN – FLOATING INTEREST CARD RATE (Including CRE HL):

I. Loans Above Rs 20.00 Lacs & Up to Rs 30.00 Lacs (1-yr MCLR: 8.55%)

Revised Interest Rate

 

Salaried Borrowers (%) :

Non-Salaried Borrowers (%) :

Women

LTV ≤ 80
1 Year MCLR+ 20 bps, ER:8.75
1 Year MCLR+ 40 bps, ER:8.95
LTV > 80
and ≤ 90
1 Year MCLR+ 30 bps, ER:8.85
1 Year MCLR+ 50 bps, ER:9.05

Other

LTV ≤ 80
1 Year MCLR+ 25 bps, ER:8.80
1 Year MCLR+ 45 bps, ER:9.00
LTV > 80
and ≤ 90
1 Year MCLR+ 35 bps, ER:8.90
1 Year MCLR+ 55 bps, ER:9.10

II. MAXGAIN-LOANS ABOVE RS 30 LACS & Up to RS 75 LACS (1-yr MCLR: 8.55%)

Revised Interest Rate

 

Salaried Borrowers (%) :

Non-Salaried Borrowers (%) :

Women

RG-1, 2 ,3
1 Year MCLR+ 45 bps, ER:9.00
1 Year MCLR+ 65 bps, ER:9.20
RG-4, 5, 6
1 Year MCLR+ 55 bps, ER:9.10
1 Year MCLR+ 75 bps, ER:9.30

Other

RG-1, 2, 3
1 Year MCLR+ 50 bps, ER:9.05
1 Year MCLR+ 70 bps, ER:9.25
RG-4, 5, 6
1 Year MCLR+ 60 bps, ER:9.15
1 Year MCLR+ 80 bps, ER: 9.35

III. MAXGAIN-LOANS ABOVE RS 75 LACS & UPTO RS 3 CRS- FLOATING RATE (1-yr MCLR: 8.55%)

Revised Interest Rate

 

Salaried Borrowers (%) :

Non-Salaried Borrowers (%) :

Women

RG-1, 2 ,3
1-year MCLR +60 bps, ER:9.15
1 Year MCLR+ 80 bps, ER:9.35
RG-4, 5, 6
1 Year MCLR+ 70 bps, ER: 9.25
1 Year MCLR+ 90 bps, ER:9.45

Other

RG-1, 2, 3
1 Year MCLR+ 65 bps, ER: 9.20
1 Year MCLR+ 85 bps, ER:9.40
RG-4, 5, 6
1 Year MCLR+ 75 bps, ER: 9.30
1 Year MCLR+95 bps, ER:9.50C)- HOME TOP UP LOANS: CARD RATES:

IV. MAXGAIN-LOANS ABOVE RS 3 CRS- FLOATING RATE: will be available to existing Home Loan customers only for switch over of their Home Loan accounts from Base Rate/SBAR/Higher interest rate linked to MCLR to the current Floating Interest card rate linked 1-year MCLR.

Revised Interest Rate

 

Salaried Borrowers (%) :

Non-Salaried Borrowers (%) :

Women

RG-1, 2 ,3
1 Year MCLR+ 95 bps, ER:9.50
1 Year MCLR+ 115 bps, ER:9.70
RG-4, 5, 6
1 Year MCLR+ 105 bps, ER: 9.60
1 Year MCLR+ 125 bps, ER:9.80

Other

RG-1, 2, 3
1 Year MCLR+ 100 bps, ER: 9.55
1 Year MCLR+ 120 bps, ER:9.75
RG-4, 5, 6
1 Year MCLR+ 110 bps, ER: 9.65
1 Year MCLR+130 bps, ER:9.85

C)- HOME TOP UP LOANS: CARD RATES:

I. INSTA HOME TOP UP LOAN (1-yr MCLR: 8.55%)

  Revised Interest Rate

Insta Home Top Up Loan (Rs.1 lac to Rs.5 lacs)

100 bps above 1-year MCLR, ER: 9.55%, irrespective of Risk Grades, gender, and occupation.