S.No. |
Parameters |
Rate |
1 |
Up to Rs.50000 .00 |
9.75% (Fixed) |
2 |
Above Rs.50000.00 & up to Rs.2.00 Lacs |
PLR-2%
|
3 |
Above Rs.2.00 Lacs & up to Rs.5.00 Lacs |
PLR-0.5% |
3.1
|
Above Rs.5.00 Lacs
|
PLR+0.50% ( for exposure above Rs.10 lacs will be as per risk rating of the borrowers) |
4 |
Above Rs.10.00 Lacs |
As per risk rating of borrowers |
|
Cold Storage, Warehouse & Rural Godown |
|
5 |
(Up to Rs.25.00 Lacs) |
PLR-1%
|
6 |
Financing to SHGs-Up to Rs.50000.00 per member & upto Rs.5.00 lacs per Group (Maximum) |
9% (Fixed) |
7 |
Loans to MFIs |
Up to Rs.50.00 Lacs |
Above Rs.50.00 Lacs |
A |
AB-1 OR HIGHEST RATING BY EXTERNAL AGENCY |
PLR-2% |
PLR-2% |
B |
AB-2 OR HIGH RATING BY EXTERNAL AGENCY |
PLR-1.50% |
PLR-1.00% |
C |
AB-3 OR ABOVE AVERAGE RATING BY -DO- |
PLR-0.50% |
PLR |
D |
AB-4 OR AVERAGE RATING BY -DO- |
PLR+0.50% |
PLR+0.50% |
E |
AB-5 |
PLR+1.00% |
PLR+1.50% |
F |
AB-6 |
PLR+1.50% |
PLR+2.00% |
G |
AB-7 |
PLR+3.50% |
PLR+3.50% |
Scheme |
Rate of Interest |
AllBank Property |
PLR+1.50% |
All Bank Rent |
PLR+1.00% |
Scheme for O/D in S. B. Accounts |
PLR+0.50% |
| All Bank Trade |
Upto Rs. 10.00 Lac
Above Rs. 10.00 Lac as per Risk Grading
AB-1 & AB-2
AB-3
AB-4 |
PLR
PLR-0.50%
PLR
PLR+1% |
All Bank Mobike |
PLR-1.00% |
All bank Abhushan |
PLR |
| Car Loan |
In case of Salary tie-up & Full Collateral security, Doctors/Medical Practitioners -
In case of Others |
PLR-1.50%
PLR-1.00%
|
In case repayment is contracted for 24 months or earlier the ROI shall be 0.50% lower. |
| Saral Loans |
PLR+1.00% |
• 0.50% rebate in interest rate is allowed if liquid collateral security (FDR / NSC / LIP / KVP) or Equitable Mortgage of Land / Building for the amount equal to the loan amount is offered.
• Additional 0.50% interest rebate may be allowed as under: -
(a) Small organisations, where number of permanent employees is upto 50: - All employees should draw salary through their respective salary accounts (i.e. accounts of individual employees) maintained with our branches.
(b) Big organisations where number of permanent employees is more than 50: - In such cases at least 50 employees should draw salary through their respective salary accounts (i.e. accounts of individual employees) maintained with our branches. |
| Personal Loan to Doctors |
PLR+1.00% |
| Education Loan |
For IIT/ IIM/ ISB (loan upto 10.00 Lacs)
For Other
Loan upto 4.00 Lacs
For loan above Rs.4.00 Lac |
PLR-1.75%
PLR-0.75%
PLR-1.00% |
@ Girl students rebate of 1.00%
@ Rebate of 1.00% if interest is serviced during moratorium |
| Housing Loan for Furnishing |
PLR-1% |
Gyan Dipika |
PLR |
Personal Loan to Pensioners |
PLR+1.00% |
| Loan against NSC/ KVP |
T/L |
PLR-1.5% |
O/D |
PLR |
| Gold loan |
Loan for Agricultural purpose |
Rate prescribed by the bank for agriculture loan. At present as under -
1. Up to Rs.50000 .00 - 9.75% (Fixed)
2 Above Rs.50000.00 & up to Rs.2.00 Lac - PLR-2%
3 Above Rs.2.00 Lacs & up to Rs.5.00 Lac - PLR-0.5% |
Loan for other purposes |
PLR |
| Short term loan to application money |
If interest is serviced on monthly |
PLR-1.00% |
If interest for 6 months is paid upfront & as margin Interest equivalent of 3 months is paid |
PLR-1.50% |
Reverse mortgage |
11.00% (Fixed) (Subject to reset clause of three years) |
Housing Loan |
| Floating Category Up to Rs.20 Lac |
Up to 5 years |
PLR-3.75% |
More than 5 Yrs & up to 10 Yrs |
PLR-3.25% |
More than 10 Yrs & up to 15 Yrs |
PLR-3.00% |
More than 15 Yrs to 25 Yrs |
PLR-2.75% |
| Floating Category above Rs. 20.00 Lacs but below 50.00 Lacs |
Up to 5 years |
PLR-3.00% |
More than 5 Yrs & up to 10 Yrs |
PLR-2.50% |
More than 10 Yrs & up to 15 Yrs |
PLR-2.25% |
More than 15 Yrs to 25 Yrs |
PLR-2.00% |
| Floating Category For loans Rs 50.00 Lacs and above |
Up to 5 years |
PLR-2.50% |
More than 5 Yrs & up to 10 Yrs |
PLR-2.00% |
More than 10 Yrs & up to 15 Yrs |
PLR-1.75% |
More than 15 Yrs to 25 Yrs |
PLR-1.50% |
| Fixed Category |
Up to Rs.20 Lac |
Above Rs. 20.00 lacs but below 50.00 Lacs |
Rs 50.00 Lacs and above |
Up to 5 years |
11.00% |
11.50% |
12.00% |
More than 5 Yrs & up to 10 Yrs |
11.50% |
12.00% |
12.50% |
More than 10 Yrs & up to 15 Yrs |
11.75% |
12.25% |
12.75% |
More than 15 Yrs to 25 Yrs |
12.25% |
12.25% |
12.75% |
ALLBANK COMMERCIAL VEHICLE FINANCE |
Term Loans –
Upto Rs 2.00 Lacs : PLR
Above Rs 2.00 Lac to Rs 5.00 Lac : PLR +1 %
Above Rs 5.00 Lac to Rs 200.00 Lac : PLR +2%
Working capital : PLR |
AllBank IPO/ FPO Finance Scheme |
PLR-0.50% |
