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Revision in Rate of interest on loans w.e.f. 01/04/2018

Rate of Interest on Loans



NOTICE ON REVISION OF RATE OF INTEREST ON ALL LOANS WEF 01/09/2018


1.  Individual Housing Loan (201)

SALARIED & PROFESSIONALS

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

8.95

9.20

9.50

10.00

2

Above Rs. 30 lac to Rs. 75 lac.

9.00

9.30

9.65

10.25

3

Above Rs. 75 lac

9.50

9.85

10.25

10.95

SE & NP

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. . 30 lac & below

9.45

9.70

10.00

10.50

2

Above Rs. 30 lac to Rs. 75 lac.

9.60

9.90

10.25

10.85

3

Above Rs. 75 lac

10.25

10.60

11.00

11.70

 

2.    Composite Housing Loan (226):

a)   Composite Housing Loan on sites situated in layouts developed by Govt.  Dev. Agencies including second sale:

SALARIED & PROFESSIONALS

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

9.20

9.45

9.75

10.25

2

Above Rs. 30 lac to Rs. 75 lac.

9.25

9.55

9.90

10.50

3

Above Rs. 75 lac

9.75

10.10

10.50

11.20

SE & NP

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

9.70

9.95

10.25

10.75

2

Above Rs. 30 lac to Rs. 75 lac.

9.85

10.15

10.50

11.10

3

Above Rs. 75 lac

10.50

10.85

11.25

11.95

 

b)   Composite Housing Loan on sites situated in approved private layouts including second sale:

SALARIED & PROFESSIONALS

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

9.95

10.20

10.50

11.00

2

Above Rs. 30 lac to Rs. 75 lac.

10.00

10.30

10.65

11.25

3

Above Rs. 75 lac

10.50

10.85

11.25

11.95

SE & NP

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

10.45

10.70

11.00

11.50

2

Above Rs. 30 lac to Rs. 75 lac.

10.60

10.90

11.25

11.85

3

Above Rs. 75 lac

11.25

11.60

12.00

12.70

 

3. IHL - Super * (231)

SALARIED & PROFESSIONALS

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

9.70

9.95

10.25

10.75

2

Above Rs. 30 lac to Rs. 75 lac.

9.75

10.05

10.40

11.00

3

Above Rs. 75 lac

10.25

10.60

11.00

11.70

SE & NP

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

10.20

10.45

10.75

11.25

2

Above Rs. 30 lac to Rs. 75 lac.

10.35

10.65

11.00

11.60

3

Above Rs. 75 lac

11.00

11.35

11.75

12.45

 *ROI fixed for 3 years

 

4.  Commercial Housing loans (225)

3rd and 4th unit

SALARIED & PROFESSIONALS

Purchase / construction of house

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

9.45

9.70

10.00

10.50

Above Rs. 30 lac

9.50

9.80

10.15

10.75

Above Rs. 75 lac

10.00

10.35

10.75

11.45

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. .30 lac & below

9.95

10.20

10.50

11.00

Above Rs. .30 lac

10.10

10.40

10.75

11.35

Above Rs. .75 lac

10.75

11.10

11.50

12.20

 

 

 

 

 

3rd and 4th unit

SALARIED & PROFESSIONALS

 Commercial Housing Loan (Composite housing loan on sites situated in layouts developed by Govt. Dev. Agencies including second sale)

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

9.70

9.95

10.25

10.75

Above Rs. 30 lac

9.75

10.05

10.40

11.00

Above Rs. 75 lac

10.25

10.60

11.00

11.70

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. .30 lac & below

10.20

10.45

10.75

11.25

Above Rs. .30 lac

10.35

10.65

11.00

11.60

Above Rs. .75 lac

11.00

11.35

11.75

12.45

3rd and 4th unit

SALARIED & PROFESSIONALS

Commercial Housing Loan (Composite housing loan on site situated in approved private layouts including second sale )

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

10.45

10.70

11.00

11.50

Above Rs. 30 lac

10.50

10.80

11.15

11.75

Above Rs. 75 lac

11.00

11.35

11.75

12.45

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. .30 lac & below

10.95

11.20

11.50

12.00

Above Rs. .30 lac

11.10

11.40

11.75

12.35

Above Rs. .75 lac

11.75

12.10

12.50

13.20

3rd and 4th unit

SALARIED & PROFESSIONALS

 Purchase / constrcution of house (IHL Super)                    *ROI fixed for 3 years

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

10.20

10.45

10.75

11.25

Above Rs. 30 lac

10.25

10.55

10.90

11.50

Above Rs. 75 lac

10.75

11.10

11.50

12.20

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. .30 lac & below

10.70

10.95

11.25

11.75

Above Rs. .30 lac

10.85

11.15

11.50

12.10

Above Rs. .75 lac

11.50

11.85

12.25

12.95

 

5th unit onwards

SALARIED & PROFESSIONALS

Purchase/ constrcution of house

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

10.45

10.70

11.00

11.50

Above Rs. 30 lac

10.50

10.80

11.15

11.75

Above Rs. 75 lac

11.00

11.35

11.75

12.45

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

10.95

11.20

11.50

12.00

Above Rs. 30 lac

11.10

11.40

11.75

12.35

Above Rs. 75 lac

11.75

12.10

12.50

13.20

5th unit onwards

SALARIED & PROFESSIONALS

 Commercial Housing Loan (Composite housing loan on sites situated in layouts developed by Govt. Dev. Agencies including second sale)

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

10.70

10.95

11.25

11.75

Above Rs. 30 lac

10.75

11.05

11.40

12.00

Above Rs. 75 lac

11.25

11.60

12.00

12.70

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. .30 lac & below

11.20

11.45

11.75

12.25

Above Rs. .30 lac

11.35

11.65

12.00

12.60

Above Rs. .75 lac

12.00

12.35

12.75

13.45

5th unit onwards

SALARIED & PROFESSIONALS

Commercial Housing Loan (Composite housing loan on site situated in approved private layouts including second sale)

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

11.45

11.70

12.00

12.50

Above Rs. 30 lac

11.50

11.80

12.15

12.75

Above Rs. 75 lac

12.00

12.35

12.75

13.45

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. .30 lac & below

11.95

12.20

12.50

13.00

Above Rs. .30 lac

12.10

12.40

12.75

13.35

Above Rs. .75 lac

12.75

13.10

13.50

14.20

 

 

5th unit onwards

SALARIED & PROFESSIONALS

 Purchase / constrcution of house (IHL Super)                     *ROI fixed for 3 years

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. 30 lac & below

11.20

11.45

11.75

12.25

Above Rs. 30 lac

11.25

11.55

11.90

12.50

Above Rs. 75 lac

11.75

12.10

12.50

13.20

 

 

 

 

 

SE & NP

Loan amount / risk rating

REVISED (w.e.f. 01/09/18)

S1

S2+

S2

S3

Rs. .30 lac & below

11.70

11.95

12.25

12.75

Above Rs. .30 lac

11.85

12.15

12.50

13.10

Above Rs. .75 lac

12.50

12.85

13.25

13.95

 

5.    IHL - Cash Salary (Max Loan upto Rs. 10 Lakh)

SALARIED ONLY

ROI (w.e.f. 01/09/18)

Purpose / risk rating

S1

S2+

S2

S3

1. Constructionof house on own land /                                                          Purchase of flat

9.95

10.20

10.50

11.00

2. Composite (purchase of Site & Construction thereon)

2.1. Site in layouts developed by Govt.  Dev. Agencies including second sale:

10.20

10.45

10.75

11.25

2.2. Site in approved private layouts including second sale:

10.95

11.20

11.50

12.00

 

6.     SITE LOANS

6. 1.  Site loans (203): Loans for sites in layouts developed by Govt. Dev. Agencies including Second sale

SALARIED & PROFESSIONALS

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

9.70

9.95

10.25

10.75

2

Above Rs. 30 lac to Rs. 75 lac.

9.75

10.05

10.40

11.00

3

Above Rs. 75 lac

10.25

10.60

11.00

11.70

SE & NP

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

10.20

10.45

10.75

11.25

2

Above Rs. 30 lac to Rs. 75 lac.

10.35

10.65

11.00

11.60

3

Above Rs. 75 lac

11.00

11.35

11.75

12.45

 

 

 

6.2.   Site loans (204): Loans for sites in approved private layouts/site purchase from private parties :

SALARIED & PROFESSIONALS

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

11.45

11.70

12.00

12.50

2

Above Rs. 30 lac to Rs. 75 lac.

11.50

11.80

12.15

12.75

3

Above Rs. 75 lac

12.00

12.35

12.75

13.45

SE & NP

REVISED (w.e.f. 01/09/18)

Sl. No.

Loan amount / risk rating

S1

S2+

S2

S3

1

Rs. 30 lac & below

11.95

12.20

12.50

13.00

2

Above Rs. 30 lac to Rs. 75 lac.

12.10

12.40

12.75

13.35

3

Above Rs. 75 lac

12.75

13.10

13.50

14.20

 

7.   Other Non-housing loans

SALARIED & PROFESSIONALS

REVISED (w.e.f. 01/09/18)

Sl. No.

Product / risk rating

S1

S2+

S2

 S3

1

Mortgage loans (205)/ Flexi LAP (222)

11.25

11.50

11.75

12.25

2

Loan against commercial properties (209)

11.50

11.75

12.00

12.50

3

Personal loans (220)

11.00

11.25

11.50

12.00

SE & NP

REVISED (w.e.f. 01/09/18)

Sl. No.

Product / risk rating

S1

S2+

S2

 S3

1

Mortgage loans (205)/ Flexi LAP (222)

11.75

12.00

12.25

12.75

2

Loan against commercial properties (209)

12.00

12.25

12.50

13.00

3

Personal loans (220)

11.50

11.75

12.00

12.50

 

 

8.   Other loans

Product No.

Loan Product

REVISED (01/09/18)

206

Builder loan

13.50

Builder loan for affordable Houses

12.50

207

Line of Credit (LOC)

11.75

208

Loans against Rent Receivables (LRR)

Registered lease deed with MNC’s/Govt. agencies/PSU/Banks

10.75

Registered lease deed with other organizations /firms of repute

11.75

227

Special Urban Housing Refinance Scheme (SUHRS)-Direct

No change

228

Special Urban Housing Refinance Scheme (SUHRS)-Indirect

No change

235

CFHL Top Up loan

Applicable IHL/CHL/Comp Loan plus 0.25% - Floating

236

CFHL Nishchint-Loan for pensioners

10.00

 

Note:    For women beneficiaries for loans up to ₹25.00 lac in metro/urban centres, Naval/ Airforce/ Defence personnel (both in service and retired) and physically challenged persons 0.05% concession in applicable rate of interest (ROI) for one year will be given.

    For all the above loans:

  • a. Interest will be charged on daily diminishing balance with interest at monthly rest.
  • b. For details of other charges applicable to all loans, please refer MITC and FPC (Most Important Terms and Conditions and Fair Practice Code) appearing in the company web site in the home page and announcements.
  • c. For further details, contact nearest Branch.
  • d. All the existing borrowers who wish to avail the benefit, if any in ROI, may contact the Branch.


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