11 12 13 14 15 16 17 18 19 20 21 22 9 10 11 12 13 14 15 16 17 18 19

Use this calculator to check your loan affordability. For example, a `5 lakh loan at 12% for 10 years will translate into an EMI of `1,435 x 5 = `7,175 All data sourced from Economic Times Intelligence Group (etigdatabase@timesgroup.com)
Top five FDs
Tenure: 1 year
Interest rate (%)
compounded qtrly
What `10,000
will grow to
Lakshmi Vilas Bank 9.50 10,984.38
Ratnakar Bank 9.50 10,984.38
City Union Bank 9.25 10,957.58
Indusind Bank 9.25 10,957.58
Karur Vysya Bank 9.25 10,957.58
Tenure: 2 years
Ratnakar Bank 9.60 12,089.26
City Union Bank 9.25 12,006.86
DCB Bank 9.25 12,006.86
ING Vysya Bank 9.25 12,006.86
Karur Vysya Bank 9.25 12,006.86
Tenure: 3 years
Ratnakar Bank 9.50 13,253.39
DCB Bank 9.25 13,156.62
Karur Vysya Bank 9.25 13,156.62
Lakshmi Vilas Bank 9.25 13,156.62
Bank of Maharashtra 9.10 13,098.87
Tenure: 5 years
Ratnakar Bank 9.50 15,991.10
Karur Vysya Bank 9.25 15,796.98
Lakshmi Vilas Bank 9.25 15,796.98
IDBI Bank 9.10 15,681.58
Bank of Baroda 9.05 15,643.29
Up to `75 lakh
Interest
rate (%)
State Bank of India 10.10
Bank of India 10.20
Canara Bank 10.20
Allahabad Bank 10.25
Axis Bank 10.25
Above `75 lakh
Allahabad Bank 10.25
Bank of Baroda 10.25
IDBI Bank 10.25
State Bank of India 10.25
Union Bank Of India 10.25
Interest
rate (%)
State Bank of India 10.10
Bank of India 10.20
Canara Bank 10.20
Allahabad Bank 10.25
Axis Bank 10.25
Allahabad Bank 10.25
Bank of Baroda 10.25
IDBI Bank 10.25
State Bank of India 10.25
Union Bank Of India 10.25
Top five senior citizen deposits
Tenure: 1 year
Interest rate (%)
compounded qtrly
What `10,000
will grow to
Lakshmi Vilas Bank 10.00 11,038.13
Ratnakar Bank 10.00 11,038.13
Axis Bank 9.75 11,011.23
City Union Bank 9.75 11,011.23
Development Credit Bank 9.75 11,011.23
Tenure: 2 years
Ratnakar Bank 10.10 12,207.82
Axis Bank 9.80 12,136.56
City Union Bank 9.75 12,124.72
ING Vysya Bank 9.75 12,124.72
Karur Vysya Bank 9.75 12,124.72
Tenure: 3 years
Ratnakar Bank 10.00 13,448.89
Axis Bank 9.80 13,370.37
Karur Vysya Bank 9.75 13,350.81
Lakshmi Vilas Bank 9.75 13,350.81
Oriental Bank of Commerce 9.70 13,331.27
Tenure: 5 years
Ratnakar Bank 10.00 16,386.16
Karur Vysya Bank 9.75 16,187.49
Lakshmi Vilas Bank 9.75 16,187.49
Oriental Bank of Commerce 9.70 16,148.03
IDBI Bank 9.60 16,069.38
Top five tax-saving FDs
Tenure: 5 years and above
Interest
rate (%)
What `10,000
will grow to
Lakshmi Vilas Bank 9.50 15,991.10
Ratnakar Bank 9.50 15,991.10
Andhra Bank 9.10 15,681.58
Bank of Baroda 9.05 15,643.29
Bank of India 9.05 15,643.29
LOANS & DEPOSITS
ET Wealth collaborates with ETIG to provide a comprehensive ready reckoner of loans and fixed-income
instruments. Dont miss the information on investments for senior citizens and a simplified EMI calculator.
Cheapest home loans
Your EMI for a loan of `1 lakh
These are average rates for the entire tenure.
As on 3 July 2014
Home loan base rate (%)
BANK
10 YEARS 20 YEARS
10.00
10.20 10.20
10.25 10.25 10.25 10.25 10.25 10.25 10.25 10.25 10.25 10.25 10.25 10.25 10.25
State
Bank of
India
Bank of
India
Canara
Bank
Allahabad
Bank
Andhra
Bank
Axis
Bank
Bank of
Baroda
Central
Bank of
India
Corpora-
tion Bank
Dena
Bank
IDBI
Bank
Punjab
National
Bank
State
Bank of
Mysore
Syndicate
Bank
Union
Bank Of
India
United
Bank of
India
Base rates are reference rates for all floating-rate home loans.
5 YEARS 10 YEARS 15 YEARS 20 YEARS 25 YEARS TENURE
Cheapest education loans
Minimum loan: `50,000; Maximum loan: `2 lakh
Margin money: 15%
Bank of
India
Bank of
Maharash-
tra
Central
Bank Of
India
IDBI
Bank
Punjab
National
Bank
10.25 -
12.25%
Cheapest auto loans
Bank of Baroda
IDBI Bank
Central Bank Of India
Bank of India
Canara Bank
10.50
10.60
10.65
10.70
10.65
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5

L
A
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INTEREST RATE (%)
Cheapest personal loans
Dena Suvidha
Bank of India
IDBI Bank
ICICI Bank
Central Bank Of India
13-14
13.20-15.20
13.25-14.25
13.49-18
13.75-14.75
L
O
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2

L
A
K
H

INTEREST RATE (%)
10.25 -
13.75%
11.25-
14.25%
10.20-
13.20%
11.65-
12.90%
2,028 1,213 956 836 772
2,125 1,322 1,075 965 909
2,224 1,435 1,200 1,101 1,053
2,379 1,613 1,400 1,317 1,281
@ 10%
@ 12%
@ 15%
@ 8%
9 10 11 12 13 14 15 16 17 18 19
Cheapest
gold
loans
Central Bank Of India
Tamilnad Mercantile Bank
Syndicate Bank
Dena Gold
Vijaya Bank
11.25 - 12.25
11.25 -15
12
12.05
12- 13.55
INTEREST RATE (%)
Interest (%)
Minimum
Invt. (`)
Maximum
Investment (`)
Features
Tax
Benefits
Monthly Income Scheme 8.40 1500
Single 4.5 Lakh 5-year tenure; monthly returns; NIL
Joint 9 lakh 5-year tenure; monthly returns; NIL
Recurring Deposits 8.30 10 No limit 5-year tenure NIL
Savings Account 4.00 50 No limit `10,000 interest tax free NIL
5 Yr NSC - VIII Issue 8.50 100 No limit No TDS 80C
10 Yr NSC - IX Issue 8.80 100 No Limit TDS applicable 80C
Time Deposit 8.20 - 8.40 200 No limit Available in 1; 2; 3; 5 years 80C
Senior Citizen Saving Scheme 9.20 payable quarterly 1000 15 lakh 5-year tenure; minimum age 60 80C
Public Provident Fund 8.70 500 1 lakh pa 15-year term; tax-free returns 80C
Employee's Provident Fund 8.50* - - Till retirement 80C
Postal deposits
26
Smart Stats The Economic Times Wealth, July 7-13, 2014