| Gold Loan |
| Upto Rs. 2 Lakh |
8.50% |
| Above Rs. 2 Lakh but upto Rs.25 Lakh |
9.00% |
| Above Rs.5.00 Lakh but upto Rs.100.00 Lakh |
10.00% |
| N.S.C., L.I.C. Policy |
9.00% |
| Loan for Household Items (Consumer Durable Loans) (Max upto Rs 1 Lakh) |
13.50% |
| Home Loan (For House Purchase & Construction) (New Scheme) |
For Cities/Centres with population below 10 Lakh - Loan upto Rs.35.00 Lakh
(having maxmium cost of dwelling unit Rs.44 Lakh)
For Women
For Others
|
8.00%
8.50%
|
For Cities/Centres with population of 10 lakh and above but below 50 lakh - Loan upto Rs.45 Lakh
(having maxmium cost of dwelling unit Rs.57 Lakh
For Women
For Others
|
8.00%
8.50%
|
For Cities/Centres with population of 50 lakh and above - Loan upto Rs.50.00 Lakh
(having maxmium cost of dwelling unit Rs.63 Lakh)
For Women
For Others
|
8.00%
8.50%
|
For Other than above -
Upto Rs.100 Lakh (No limit for cost of dwelling unit) (For womens & others)
above Rs.100 Lakh & upto Rs.200 Lakh (No limit for cost of dwelling unit) (For womens & others)
|
8.75%
8.75%
|
| Home Loan (For Repairing) |
For Cities/Centres with population below 10 Lakh - Loan upto Rs.10.00 Lakh
(having maxmium cost of dwelling unit Rs.44 Lakh)
For Women
For Others
|
8.50%
9.00% |
For Cities/Centres with population of 10 lakh and above but below 50 lakh - Loan upto Rs.12 Lakh
(having maxmium cost of dwelling unit Rs.57 Lakh)
For Women
For Others
|
8.50%
9.00% |
For Cities/Centres with population of 50 lakh and above - Loan upto Rs.15.00 Lakh
(having maxmium cost of dwelling unit Rs.63 Lakh)
For Women
For Others
|
8.50%
9.00% |
| Home Loans (For Repairing) upto existing limit (Non-Priority Sector) |
9.50% |
| Office / Gala Purchase for Personal Business (Loan upto Rs. 30 Lakh) |
10.50% |
| Sakal Vahan Vehicle Scheme |
Tenure : For Two Wheeler : Upto Rs.5 Lakh (Period 60 Months)
For Four Wheeler : Upto Rs.500 Lakh (Period 84 Months)
|
8.00%
8.50% |
| Vehicle Loan (Commercial) |
| (For Own business usage, Max 7 years) |
9.50% |
Vehicle Loan (Commercial)
(For commercial usage, Max 7 years) |
| Three / Four Wheeler |
11.00% |
| Six Wheeler |
11.50% |
| Above Six Wheels Commercial Vehicle |
12.00% |
| Pledge or Warehouse Receipt (Tenure : 12 Months*) |
10.00% |
| Personal Loan, Clean Cash Credit (who's Salary credited in our bank) upto Rs. 5.00 Lakh |
12.50% |
| Personal Loan, Clean Cash Credit (for others) upto Rs. 5.00 Lakh |
14.50% |
| Commercial Real Estate |
12.00% |
| Cash Credit - Against Stock and Debtors |
| Upto Rs. 30.00 Lakhs |
11.00% |
| Above Rs. 30.00 Lakhs to Rs. 50.00 Lakhs |
12.00% |
| Above Rs. 50.00 Lakhs |
13.50% |
| Cash Credit - Against Property / Machinery |
| Upto Rs. 30.00 Lakhs |
11.00%
|
| Above Rs. 30.00 Lakhs to Rs. 50 Lakhs |
12.00%
|
| Above Rs. 50.00 Lakhs |
13.50%
|
| Other Terms Loans (Based on Sanctioned Limit, Except Home Loans) |
| Upto Rs. 30.00 Lakhs |
11.00%
|
| Rs. 30.00 Lakhs to Rs. 50.00 Lakhs |
12.00%
|
| Above Rs. 50.00 Lakhs |
13.00% |
| Cheque and Hundi Discounting / D.D. Discounting |
15.75% |
| Festival Cash Credit |
15.75% |
Food Industries (Manufacturing / Production)
|
10.00% |
| Packaging Industries |
10.50% |
Urban Rent Discounting Loan Scheme
(Tenure : As per Agreement* or Maximum 20 Years Whichever less)
|
12.00% |
| Urban Vidyajyoti Educational Loan Scheme |
| 1) Upto Rs.25 Lakh (Priority Sector Lending) |
9.00% |
| 2) Above Rs.25 Lakh to upto Maximum Individual Exposure of Bank |
9.50% |
| Medical Business |
| New Machinery Purchasing |
10.50% |
| Other Medical Business |
10.50% |
| Pigmy Deposit Loan |
11.00% |
| Karad Urban Krishi Sanjeevani Loan Scheme (for Agriculture and Allied Activities) |
| Upto 5 Acre |
10.50%
|
| Above 5 Acre |
11.00% |
Karad Urban Krishi Sanjeevani Cash Credit Scheme (for Agriculture and Allied Activities)
(for existing Karad Urban Krishi Sanjeevani Loan borrowers)
|
| Upto 5 Acre upto Rs.5 Lakh |
10.50%
|
| Above 5 Acre upto Rs.5 Lakh |
11.00% |
| Karad Urban Udyogvardhini Loan Scheme (for MSMEs) |
| Micro Enterprises |
| Upto Rs.30 Lakhs |
9.00%
|
| Above Rs 30 Lakhs to Rs 50 Lakhs |
9.25%
|
| Above Rs 50 Lakhs to Rs 500 Lakhs |
10.00%
|
| Small and Medium Enterprises |
| Upto Rs.30 Lakhs |
9.50%
|
| Above Rs.30 Lakhs to Rs.50 Lakhs |
10.00% |
| Above Rs.50 Lakhs to Rs.500 Lakhs |
11.00% |
| MSME Loans to Womens |
9.00% |
| Karad Urban Akshay Urja Loan Scheme (for Renewable Energy) |
| Personal Use - Upto Rs.5 Lakhs |
9.00%
|
| Commercial Use - Upto Rs.200 Lakhs |
9.50% |
| Affected by Natural Disaster (For Members) |
9.50% |
| Laptop Loan |
9.50% |
| Karad Urban Sukshma Anna Prakriya Udyog Yojana (affiliated with PMFME) |
9.25%
|
| Vina Tarani Karja Yojana for Ladies |
9.00% |
| Saksham Patdharak Yojana |
| Tarani Karje (Secured) |
8.50%
|
| Vina Tarani Karje (for individuals) (Unsecured) |
9.50% |
| Karad Urban Stree Vendor Scheme |
12.00% |
| Karad Urban Rojgar Nirmiti Karj Yojana |
| Term Loan |
9.00%
|
| Cash Credit |
11.00% |
| Karad Urban Arthik Vikas Karj Yojana |
12.00% |
| Karad Urban Mahila Kendrit Paryatan Udyog (AAI) Karj Yojana |
12.00% |
| Karad Urban Mahila Bachat Gat Karj Yojana |
| 1. Self Help Group |
12.00%
|
| 2. Joint Liability Group |
12.00% |
| Karad Urban Parashuram Arthik Vikas Karj Yojana |
12.00% |
