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Loan Interest Rate

Interest Rates On Different Types Of Loans w.e.f. 01.04.2015:

Sr. No.       Name of  Scheme                                 Maximum loan limit           Amount                         Interest        Rate         w.e.f.      01/04/2015
 1.

(A) Businesses/ firms debt 

(Tenders  loan)

(B) Loan limits for Petrol 

Pump  Businessmen

20.00 Lakh

 

1- Upto Rs 50,000.00

2- Upto Rs 2.00 Lakh

3- More than Rs 2.00

 Lakh

 12.50%

 13.00%

 13.50%

 2.

For small commercial vehicle

loan  facility

 5.00 Lakh

1- Upto Rs 3.00 Lakh

2- More than Rs 3.00    Lakh

11.50%

  12.50%

 3.  For Personal Car Loan  5.00 Lakh  

1- Upto Rs 3.00 Lakh

2- From Rs 3.00 Lakh to Rs 5.00 Lakh

 10.00%

 11.00%

 4.

 Loan dispensation under the

 Agricultural mechanization

 

1- Upto Rs 2 Lakh

2- More than Rs 2 Lakh

10.50%

11.50%

 5.

 Pandit Deen Dayal Upadhyaya

 cooperative self employment

 scheme

 2.00 Lakh

1- Upto Rs 50,000.00

2- From Rs 50,000.00

 to Rs 2 Lakh

12.00%

12.50%

 6.

Self-employed, under credit

card debt

 0.25 Lakh    10.50%
 7.  Individual Personal Loans  5.00 Lakh    13.00%
 8.

Committee Co-loan debt limit

for salaried

 8.00 Lakh(per member)    12.00%
 9.

Loan for Home construction /

 repair /  change / additions etc.

 10.00 Lakh

1- Upto 5 Years

2- From 5 Years to

 10 Years

 3- From 10 Years to  20 Years

 9.25%

10.00%

 

10.75%

 10.

 Loan  against Real

Estate  property (house / flat)

 30.00 Lakh   12.00%
 11.

Loan by mortaging National  

Saving  Certificates / Kisan

 Vikas Patra on  the  

purchase  price of N.S.C

Less than 6 months 50%

More than 6 months 55%

More than 1 Year 60%

 1.5 years 70%

 2 years or more 75%

  11.00%
 12. Gyandeep Education Plan 

Based on the ability

of parents redemption

  11.00%
 13.

Loan Policy against mortgage 

of LIC Policies

 75% of the value of  

 surrender of the

 policy, 3 years  away

  10.00%
 14. Loan for Cyber Cafe  1.80 Lakh    11.00%
 15. Loan for P.C.O, Photocopy Machine  and Fax Machine  0.70 Lakh      11.00%
 16.  Loan for Flour mill, Mini Rice mill,  Dalmil, Telgani  2.40 Lakh    11.00%

 

Note:- 

        1. Processing charge(Loan) - Rs. 275.00 Per Loan.

        2. Project Apreisal Fees -  Rs. 25000.00 to 2 Lacs            - Rs. 165.00 Per Loan

                                               Rs. Above 2 Lacs                    - Rs. 500.00 Per Loan

       3. Inspection charges -      Rs. 25000.00 to 2 Lacs            - Rs. 165.00 Per Inspection

                                               Rs. Above 2 Lacs                    - Rs. 275.00 Per Inspection

For more details,please contact the Zila Sahkari Bank Ltd. Mirzapur nearest Branch.