TYPE | INTEREST RATE |
---|---|
Prime Lending Rate (PLR) | 12.00% p.a. |
Housing Loans |
8.00% p.a. - upto Rs 35 Lakhs for Women 8.10% p.a. - upto Rs 35 Lakhs for others 8.60% p.a. - above Rs 35 Lakhs |
Personal Vehicle Loan* |
7.75% p.a. - New Vehicle 10.00% p.a. - Second Hand Vehicle |
Super Bike Loan |
10.50% p.a. - upto Rs. 1.00 Lakh 10.00% p.a. - above Rs. 1.00 Lakh 9.50% p.a. - Citizencredit Salary Account Holders 9.50% p.a. - Corporate Salary Account (CSA) holders |
Loans against Gold* / LIC / NSC / Govt Securities |
Gold - 7.75% LIC - 9.00% NSC - 11.50% Govt Securities - 11.50% |
Loan/ Overdraft Against Property (LAP & OAP) |
Rs. 5 Lakh to below Rs. 10 lakh - 12.00% p.a Rs. 10 Lakh and above upto Rs 10 Crore - 11.00% p.a |
Reverse Mortgage Loan (Aashraya) | 10.00% p.a. |
Lease Rental Discounting | 12.00% p.a. |
Overdraft against Shares and Units of Mutual Fund | 13.00% p.a. |
Loan Against Bank Deposits |
Senior Citizens - 1% above the deposit rate Non Senior Citizens - 2% above the deposit rate Third Party Deposits - 2% above the deposit rate or PLR whichever is higher |
Doctor Care |
9.50% p.a. - Upto 84 months 11.50% p.a. - bove 84 Upto 120 months |
Discounting of Bills under Letter of Credit |
10.00% p.a. - For sight LC & Usance LC upto 90 days 10.50% p.a. - For Usance LC above 90 days to 180 days, subject to approval of Managing Director |
Education Loan* |
11.00% p.a. - Unsecured Loan 9.00% p.a. - Secured Loan |
Travel Loan |
13.00% p.a. - Unsecured Loan 12.00% p.a. - Secured Loan |
Scheme for Commercial Transport Operators | 10.25% p.a. |
SME / Corporate loans above Rs 1 crore (based on internal rating) | 11.50% p.a. to 12.00 % p.a. |
Construction / Real Estate Loans | 14% p.a. to 16% p.a. |
Penal Interest on overdue advances | 2% above interest rate applicable to the advance |
Savings - Domestic (Regulated) | 3.00% p.a. (on daily balances product) |
Savings - NRO / NRE (Regulated) | 3.00% p.a. (on daily balances product) |
RAP30 | 4.00% p.a. |
RAP90 | 4.50% p.a. |
FD365 | 7.10% p.a. |
FD500 | 7.25% p.a. |
FD725 | 7.25% p.a. |
FD1000 | 7.50% p.a. |
PERIOD | INTEREST RATE |
---|---|
7 days to 29 days | 3.00% p.a. |
30 days to 90 days | 4.00% p.a. |
91 days to 180 days | 5.25% p.a. |
181 days to 270 days | 5.50% p.a. |
271 days to 364 days | 6.00% p.a. |
1 year to less than 2 years | 7.00% p.a. |
2 years to less than 3 years | 7.25% p.a. |
Above 3 years upto 5 years | 7.00% p.a. |
Additional 0.25% for Senior Citizens (for domestic deposit all tenor) |
PERIOD | INTEREST RATE |
---|---|
1 year to less than 2 years | 7.00% p.a. |
2 years to less than 3 years | 7.25% p.a. |
3 years upto 5 years | 7.00% p.a. |
PERIOD | INTEREST RATE |
---|---|
7 days to 29 days | 3.00% p.a. |
30 days to 90 days | 4.00% p.a. |
91 days to 180 days | 5.25% p.a. |
181 days to 270 days | 5.50% p.a. |
271 days to 1 year | 6.00% p.a. |
1 Year Only | 7.00% p.a. |
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ccbl@citizencreditbank.com