Features :
Loan amounts are disbursed as per the following structure-
For purchasing a new plot of land- Rs. 50 lakhs (max)
For loan amount up to INR 35 lakhs
Pricing Grid applicable for Home Loans | |||||
Floating Scheme | Normal Home Loans | “Roshni” Home Loans (any loan amount ) | |||
Credit Score (any loan amount) | HL Salaried/SEP | HL SENP | Salaried | Self Employed | Loan-Against Property |
NTC Cibil <= 170 | 10.05% | 10.45% | 10.50% to 14.25% | 11.50% to 14.50% | 11.50% to 15% |
NTC Cibil > 170 | 9.95% | 10.35% | |||
up to 650 | 10.15% | 10.65% | |||
> 650 to < = 700 | 10.15% | 10.65% | |||
> 700 to < = 725 | 9.75% | 10.45% | |||
> 725 to < = 750 | 9.40% | 10.10% | |||
>=750 to < = 775 | 9.15% | 9.70% | |||
>=775 to 799 | 9.05% | 9.55% | |||
>=800 to 825 | 8.80% | 8.90% | |||
>= 825 | 8.25% | 8.55% |
For loan amounts greater than INR 35 lakhs
Pricing Grid applicable for Home Loans | |||||
Floating Scheme | Normal Home Loans | “Roshni” Home Loans ( any loan amount ) | |||
Credit Score (any loan amount) | HL Salaried/SEP | HL SENP | Salaried | Self Employed | Loan-Against Propety |
NTC Cibil <= 170 | 10.25% | 10.65% | 10.50% to 14.25% | 11.50% to 14.50% | 11.50% to 15% |
NTC Cibil > 170 | 10.15% | 10.55% | |||
up to 650 | 10.35% | 10.85% | |||
> 650 to < 700 | 10.35% | 10.85% | |||
> 700 to < 725 | 9.95% | 10.65% | |||
> 725 to < 750 | 9.55% | 10.15% | |||
>=750 to <775 | 9.25% | 10.05% | |||
>=775 to 799 | 9.15% | 9.70% | |||
>=800 to 825 | 8.85% | 8.95% | |||
>= 800 | 8.25% | 8.55% |
Pricing Grid applicable for Non-Home Loans | |||||
Credit Score (any loan amount) | Loan against commercial property | Loan against residential property (LAP) | Lease Rental Discounting (LRD) | Loan against Plot/ Loan against Special Property (Residential/ Commercial) | Loan for purchase of non-residential property (NRP) |
NTC Cibil <= 170 | 11.80% | 11.80% | 11.80% | 11.80% | 11.80% |
NTC Cibil > 170 | 11.55% | 11.55% | 11.55% | 11.55% | 11.55% |
upto 650 | 11.90% | 11.90% | 11.90% | 11.90% | 11.90% |
> 650 to < 700 | 11.90% | 11.90% | 11.90% | 11.90% | 11.90% |
> 700 to < 725 | 11.65% | 11.65% | 11.65% | 11.65% | 11.65% |
> 725 to < 750 | 11.15% | 11.15% | 11.15% | 11.15% | 11.15% |
>750 to <775 | 10.85% | 10.85% | 10.85% | 10.85% | 10.85% |
>775 to 799 | 10.35% | 10.35% | 10.35% | 10.35% | 10.35% |
>800 to 825 | 9.85% | 9.85% | 9.85% | 9.85% | 9.85% |
>= 825 | 9.00% | 9.00% | 9.00% | 9.00% | 9.00% |