above 3

above 3 years
Tenure Upto 3 yrs Upto 3 yrs years &
& upto 7 years
upto 7 years

Fixed Floating
w.e.f 21.12.2001 SBMTLR +1%,i.e. 13.00%
(SBMLTR 12% p.a.) p.a.

w.e.f 01.04.2002 SBMTLR +1%,i.e. 12.50%

(SBMLTR 11.50% p.a.) p.a.

w.e.f 01.07.2002 SBMTLR +0.85%,i.e. 12.35%

(SBMLTR 11.50% p.a.) p.a.

w.e.f 01.11.2002 At SBMTLR ,i.e. 11.25%

(SBMLTR 11.25% p.a.) 11.50% p.a.

0.75% below At SBMTLR,

w.e.f 05.05.2003 SBMTLR i.e. i.e. 11.00%
(SBMLTR 11% p.a.) 11.25% 10.25% p.a. p.a.

0.50% below 0.25% below 0.75% below At SBMTLR,

w.e.f 01.07.2003 SBMTLR i.e. SBMTLR i.e. SBMTLR i.e. i.e. 11.00%
(SBMLTR 11% p.a.) 10.50% p.a. 11.25% p.a. 10.25% p.a. p.a.

1.25% below 0.75% below 1.50% below 1.00% below

w.e.f 01.10.2003 SBMTLR i.e. SBMTLR i.e. SBMTLR i.e. SBMTLR i.e.
(SBMLTR 11% p.a.) 9.75% p.a. 10.25% p.a. 9.50% p.a. 10.00% p.a.

0.75% below 1.00% below 0.50% below

w.e.f 01.1.2004 SBAR i.e. 9.50% At SBAR i.e. SBAR i.e. SBAR i.e.
(SBMLTR 10.25% p.a.) p.a. 10.25% 9.25% p.a. 9.75% p.a.
 Upto 3 yrs (loans Upto 3 yrs (loans <Rs.7.5 >5 yrs upto 7 yrs for all
Tenure >3 to 5 yrs for all loans
Rs.7.5 lac & above) lac ) loans
2.75% below SBAR i.e. 2.25% below SBAR i.e. 8.00%p.a. 2.00% below SBAR i.e. 1.75% below SBAR i.e. 8.50%p.a.
7.50%p.a. (Metro & Urban) 8.25%p.a. (Metro & Urban) (Metro & Urban)
w.e.f 24.01.2005
(SBAR 10.25 %p.a.) 1.75% below SBAR i.e. 8.50%p.a. 1.50% below SBAR i.e. 1.25% below SBAR i.e. 9.00%p.a.
(Semi Urban & Rural) 8.75%p.a. (Semi Urban & Rural) (Semi Urban & Rural)

1.50% below SBAR i.e.

2.25% below SBAR i.e. 1.75% below SBAR i.e. 1.50% below SBAR i.e.
8.75%p.a. (Metro &
8.00%p.a. 8.50%p.a.(Metro & Urban) 8.75%p.a. (Metro & Urban)
w.e.f 8.02.2006 (SBAR Urban)
10.25 %p.a.)
1.50% below SBAR i.e. 1.25% below SBAR i.e. 1.00% below SBAR i.e.
8.75%p.a. (Semi 9.00%p.a. (Semi Urban & 9.25%p.a.
Urban & Rural) Rural) (Semi Urban & Rural)
1.00% below SBAR i.e.
1.75% below SBAR i.e. 1.25% below SBAR i.e. 0.75% below SBAR i.e.
9.25%p.a. (Metro &
8.50%p.a. 9.00%p.a.(Metro & Urban) 9.50%p.a. (Metro & Urban)
w.e.f 20.03.2006 Urban)
(SBAR 10.25 %p.a.)
1.00% below SBAR i.e. 0.75% below SBAR i.e. 0.50% below SBAR i.e.
9.25%p.a. (Semi Urban & 9.50%p.a. (Semi Urban & 9.75%p.a.
Rural) Rural) (Semi Urban & Rural)
1.50% below SBAR i.e. 1.25% below SBAR i.e. 1.00% below SBAR i.e. 0.75% below SBAR i.e.
w.e.f 1.05.2006 (SBAR 9.25%p.a. 9.50%p.a 9.75%p.a. 10.00%p.a.
10.75 %p.a.)

1.50% below SBAR i.e. 1.25% below SBAR i.e. 1.00% below SBAR i.e. 0.75% below SBAR i.e.
w.e.f 2.08.2006 (SBAR 9.50%p.a. 9.75%p.a 10.00%p.a. 10.25%p.a.
11.00 %p.a.)

w.e.f 27.12.2006 1.50% below SBAR i.e. 1.25% below SBAR i.e. 1.00% below SBAR i.e. 0.75% below SBAR i.e.
(SBAR 11.50 %p.a.) 10.00%p.a. 10.25%p.a 10.50%p.a. 10.75%p.a.
w.e.f 20.02.2007 0.75% below SBAR i.e. 0.25% below SBAR i.e.
(SBAR 12.25 %p.a.) 0.50% below SBAR i.e. 11.75%p.a
11.50%p.a. 12.00%p.a.

w.e.f 9.04.2007 (SBAR 0.75% below SBAR i.e. 0.25% below SBAR i.e.
12.75 %p.a.) 0.50% below SBAR i.e. 12.25%p.a
12.00%p.a. 12.50%p.a.

w.e.f 8.10.2007 (SBAR 1.75% below SBAR i.e. 1.25% below SBAR i.e.
12.75 %p.a.) 1.50% below SBAR i.e. 11.25%p.a
11.00%p.a. 11.50%p.a.
 Upto 3 yrs (loans Upto 3 yrs (loans <Rs.7.5 >5 yrs upto 7 yrs for all
Tenure >3 to 5 yrs for all loans
Rs.7.5 lac & above) lac ) loans

w.e.f 16.02.2008 0.75% below SBAR i.e. 0.25% below SBAR i.e.
(SBAR 12.50 %p.a.) 0.50% below SBAR i.e. 12.00%p.a
11.75%p.a. 12.25%p.a.

w.e.f 27.02.2008 0.75% below SBAR i.e. 0.25% below SBAR i.e.
(SBAR 12.25 %p.a.) 0.50% below SBAR i.e. 11.75%p.a
11.50%p.a. 12.00%p.a.
w.e.f 27.06.2008 0.75% below SBAR i.e. 0.25% below SBAR i.e.
(SBAR 12.75 %p.a.) 0.50% below SBAR i.e. 12.25%p.a
12.00%p.a. 12.50%p.a.
w.e.f 12.08.2008 1.25% below SBAR i.e. 0.75% below SBAR i.e.
(SBAR 13.75 %p.a.) 1.00% below SBAR i.e. 12.75%p.a
12.50%p.a. 13.00%p.a.

w.e.f 10.11.2008 1.25% below SBAR i.e. 0.75% below SBAR i.e.
(SBAR 13.00 %p.a.) 1.00% below SBAR i.e. 12.00%p.a
11.75%p.a. 12.25%p.a.

w.e.f 01.01.2009 0.75% below SBAR i.e. 0.25% below SBAR i.e.
(SBAR 12.25 %p.a.) 0.50% below SBAR i.e. 11.75%p.a
11.50%p.a. 12.00%p.a.

w.e.f 23.02.2009 10% fixed 10% fixed 10% fixed

w.e.f 29.06.2009 0.75% below SBAR i.e. 0.25% below SBAR i.e.
(SBAR 11.75 %p.a.) 0.50 below SBAR i.e. 11.25%p.a
11.00%p.a. 11.50%p.a.
Loans< Rs 7.5 lacs Loans Rs. 7.5 lacs & above
1st year: 8%(fixed) 4th & 5th year: 0.50% below
4th & 5th year: 0.50% below 1st year: 8%(fixed) SBAR i.e. 11.25%p.a
w.e.f 01.07.2009 SBAR i.e. 11.25%p.a 6th & 7th year: 0.25%
(SBAR 11.75% p.a.) 2nd &
6th & 7th year: 0.25% below 2nd & 3rd below SBAR i.e. 11.50%p.a.
3rd year: 10% p.a.
SBAR i.e. 11.50%p.a. year: 10% p.a. (fixed)
(fixed)
 loans <Rs5 lac loans >=Rs.5 lac

4th & 5th year: 0.50%

1st year: 8%(fixed)
w.e.f below SBAR i.e. 4th & 5th
08.10.2009 11.25%p.a year: 6th & 7th
(SBAR 6th & 7th year: 0.75% year: 0.50%
11.75% p.a.) 2nd & 3rd year:
0.25% below SBAR upto 3 years: 1.00% below below SBAR
10% p.a. (fixed) below SBAR i.e. SBAR i.e. i.e.
i.e. 11.50%p.a.
10.75%p.a 11.00%p.a 11.25%p.a.

4th & 5th

w.e.f
17.12.2009
4th & 5th 6th & 7th year: 6th & 7th
(SBAR year: 0.50 year: 0.25% 0.50% year: 0.25%
11.75% p.a.) 2nd & 3rd below below SBAR 2nd & 3rd below below SBAR
1st year: year: 10% SBAR i.e. i.e. 1st year: year: 10% SBAR i.e. i.e.
8%(fixed) p.a. (fixed) 11.25%p.a 11.50%p.a. 8%(fixed) p.a. (fixed) 11.25%p.a 11.50%p.a.

w.e.f 1.5.2010 4th & 5th 4th & 5th

(SBAR year: 6th & 7th year: 6th & 7th
11.75% p.a.) 0.50% year: 0.25% 0.75% year: 0.50%
2nd & 3rd below below SBAR 2nd & 3rd below below SBAR
1st year: year: 10% SBAR i.e. i.e. 1st year: year: 10% SBAR i.e. i.e.
8%(fixed) p.a. (fixed) 11.25%p.a. 11.50%p.a. 8%(fixed) p.a. (fixed) 11.00%p.a 11.25%p.a.

4th & 5th 4th & 5th

w.e.f 1.7.2010 year: year:
(Base Rate
7.50 %p.a.)
3.75% 6th & 7th 3.50% 4th & 5th
above year: 4.00% above year: 3.75%
1st year: 2nd & 3rd Base Rate above Base 2nd & 3rd Base Rate above Base
8% p.a. year: 10% i.e. Rate i.e. 1st year: year: 10% i.e. Rate i.e.
(fixed) p.a. (fixed) 11.25%p.a. 11.50%p.a. 8%(fixed) p.a. (fixed) 11.00%p.a. 11.25%p.a.

w.e.f 4th & 5th 4th & 5th

1.10.2010 year: year:
(Base Rate 3.75% 6th & 7th 3.50% 4th & 5th
7.50 %p.a.) 2nd & 3rd above year: 4.00% 2nd & 3rd above year: 3.75%
1st year: year: Base Rate above Base year: Base Rate above Base
8% p.a. 9.75% p.a. i.e. Rate i.e. 1st year: 9.75% p.a. i.e. Rate i.e.
(fixed) (fixed) 11.25%p.a. 11.50%p.a. 8%(fixed) (fixed) 11.00%p.a. 11.25%p.a.

w.e.f 4th & 5th 4th & 5th

21.10.2010 year: year:
(Base Rate 3.75% 6th & 7th 3.50% 4th & 5th
7.60 %p.a.) 2nd & 3rd above year: 4.00% 2nd & 3rd above year: 3.75%
1st year: year: Base Rate above Base year: Base Rate above Base
8% p.a. 9.75% p.a. i.e. Rate i.e. 1st year: 9.75% p.a. i.e. Rate i.e.
(fixed) (fixed) 11.35%p.a. 11.60%p.a. 8%(fixed) (fixed) 11.10%p.a. 11.35%p.a.
 loans <Rs5 lac loans >=Rs.5 lac

Card
Rate:
Card Rate: Base Rate Card Rate:
w.e.f 3.1.2011 Card Rate: Base Rate + 275 bps Base Rate
(Base Rate Base Rate + 300 bps Card Rate: i.e. + 275 bps Card Rate:
8.00 %p.a.) + 300 bps i.e. 11.00 Base Rate 10.75% i.e. 10.75% Base Rate Card Rate:
i.e. 11.00 p.a. 2nd + 300 bps Card Rate: p.a. 1st p.a. 2nd & + 275 bps Base Rate +
p.a. 1st & 3rd year: i.e. 11.00 Base Rate + year: 3rd year: i.e. 10.75% 275 bps i.e.
year: Discount p.a. 4th & 300 bps i.e. Discount Discount p.a. 4th & 10.75% p.a.
Discount of 100bps 5th year: 11.00 p.a. of 175 of 75 bps 5th year: 4th & 5th
of 200bps on Card At Card 6th & 7th bps on on Card At Card year: At Card
on Card rate rate year: At Card Card rate rate rate rate
rate i.e. 10% i.e. 11% rate i.e. 9% i.e. 10% i.e. 10.75% i.e. 10.75%
i.e. 9% p.a. p.a. p.a. i.e. 11% p.a. p.a. p.a. p.a. p.a.

Card
Rate:
w.e.f Card Rate: Card Rate: Base Rate Card Rate:
14.02.2011 Base Rate Base Rate + 275 bps Base Rate
(Base Rate + 300 bps + 300 bps Card Rate: i.e. + 275 bps Card Rate:
8.25 %p.a.) i.e. 11.25 i.e. 11.25 Base Rate Card Rate: 11.00% i.e. 11.00% Base Rate Card Rate:
p.a. 1st p.a. 2nd + 300 bps Base Rate + p.a. 1st p.a. 2nd + 275 bps Base Rate +
year: & 3rd year: i.e. 11.25 300 bps i.e. year: & 3rd year: i.e. 11.00% 275 bps i.e.
Discount Discount p.a. 4th 11.25 p.a. Discount Discount p.a. 4th 11.00% p.a.
of 200bps of 100bps & 5th year: 6th & 7th of 175 of 75 bps & 5th year: 4th & 5th
on Card on Card At Card year: At Card bps on on Card At Card year: At Card
rate rate rate rate Card rate rate rate rate
i.e. 9.25% i.e. 10.25% i.e. 11.25% i.e. 11.25% i.e. 9.25% i.e. 10.25% i.e. 11.00% i.e. 11.00%
p.a. p.a. p.a. p.a. p.a. p.a. p.a. p.a.

Card
Card Rate: Rate: Card Rate:
w.e.f Card Rate: Base Rate Base Rate Base Rate
25.04.2011 Base Rate + 300 bps + 275 bps + 275 bps
(Base Rate + 300 bps i.e. 11.50 Card Rate: i.e. i.e. 11.25% Card Rate:
8.50 %p.a.) i.e. 11.50 p.a. Base Rate Card Rate: 11.25% p.a. Base Rate Card Rate:
p.a. 2nd & 3rd + 300 bps Base Rate + p.a. 1st 2nd & 3rd + 275 bps Base Rate +
1st year: year: i.e. 11.50 300 bps i.e. year: year: i.e. 11.25% 275 bps i.e.
Discount Discount p.a. 11.50 p.a. Discount Discount p.a. 11.25% p.a.
of 200bps of 100bps 4th & 5th 6th & 7th of 175 of 75 bps 4th & 5th 4th & 5th
on Card on Card year: At year: At Card bps on on Card year: At year: At Card
rate rate Card rate rate Card rate rate Card rate rate
i.e. 9.50% i.e. 10.50% i.e. 11.50% i.e. 11.50% i.e. 9.50% i.e. 10.50% i.e. 11.25% i.e. 11.25%
p.a. p.a. p.a. p.a. p.a. p.a. p.a. p.a.
w.e.f
1.05.2011
(Base Rate
Irrespective of Loan tenure and loan amount: 2.25% above Base Rate, i.e. 10.75% p.a.
8.50 %p.a.)

w.e.f
12.05.2011
(Base Rate
Irrespective of Loan tenure and loan amount: 2.25% above Base Rate, i.e. 11.50% p.a.
9.25 %p.a.)
 loans <Rs5 lac loans >=Rs.5 lac
w.e.f
11.07.2011
(Base Rate
Irrespective of Loan tenure and loan amount: 2.25% above Base Rate, i.e. 11.75% p.a.
9.50 %p.a.)

w.e.f
13.08.2011
(Base Rate
Irrespective of Loan tenure and loan amount: 2.25% above Base Rate, i.e. 12.25% p.a.
10.00 %p.a.)

w.e.f
01.09.2011
(Base Rate
Irrespective of Loan tenure and loan amount: 1.25% above Base Rate, i.e. 11.25% p.a.
10.00 %p.a.)

w.e.f 16.01.12
(Base Rate Irrespective of Loan tenure and loan amount: 2.00% above Base Rate, i.e. 12.00% p.a.
10.00 %p.a.)

w.e.f 23.04.12
(Base Rate Irrespective of Loan tenure and loan amount: 1.25% above Base Rate, i.e. 11.25% p.a.
10.00 %p.a.)

w.e.f 07.08.12
(Base Rate Irrespective of Loan tenure and loan amount: 0.75% above Base Rate, i.e. 10.75% p.a.
10.00 %p.a.)

w.e.f 20.09.12
(Base Rate Irrespective of Loan tenure and loan amount: 0.75% above Base Rate, i.e. 10.50% p.a.
9.75 %p.a.)

w.e.f 04.02.13
(Base Rate Irrespective of Loan tenure and loan amount: 0.75% above Base Rate, i.e. 10.45% p.a.
9.70 %p.a.)

w.e.f 19.09.13
(Base Rate Irrespective of Loan tenure and loan amount: 0.75% above Base Rate, i.e. 10.55% p.a.
9.80 %p.a.)

w.e.f 20.09.13
(Base Rate Irrespective of Loan tenure and loan amount: 0.95% above Base Rate, i.e. 10.75% p.a.
9.80 %p.a.)

w.e.f 07.10.13
(Base Rate Irrespective of Loan tenure and loan amount: 0.75% above Base Rate, i.e. 10.55% p.a.
9.80 %p.a.)

w.e.f 07.11.13
(Base Rate Irrespective of Loan tenure and loan amount: 0.75% above Base Rate, i.e. 10.75% p.a.
10.00 %p.a.)

w.e.f 01.02.14
(Base Rate Irrespective of Loan tenure and loan amount: 0.95% above Base Rate, i.e. 10.95% p.a.
10.00 %p.a.)

w.e.f 01.08.14 Irrespective of Loan tenure and loan amount: 0.40% above Base Rate, i.e. 10.40% p.a.( for Women)
(Base Rate
10.00 %p.a.)
and 0.45% above Base Rate, i.e. 10.45% p.a.( for Men)

w.e.f 10.04.15 Irrespective of Loan tenure and loan amount: 0.40% above Base Rate, i.e. 10.25% p.a.( for Women)
(Base Rate
9.85 %p.a.)
and 0.45% above Base Rate, i.e. 10.30% p.a.( for Men)
 loans <Rs5 lac loans >=Rs.5 lac

w.e.f 08.06.15 Irrespective of Loan tenure and loan amount: 0.55% above Base Rate, i.e. 10.25% p.a.( for Women)
(Base Rate
9.70 %p.a.)
and 0.60% above Base Rate, i.e. 10.30% p.a.( for Men)

w.e.f 15.08.15 Irrespective of Loan tenure and loan amount: 0.30% above Base Rate, i.e. 10.00% p.a.( for Women)
(Base Rate
9.70 %p.a.)
and 0.35% above Base Rate, i.e. 10.05% p.a.( for Men)

w.e.f 05.10.15 Irrespective of Loan tenure and loan amount: 0.50% above Base Rate, i.e. 9.80% p.a.( for Women)
(Base Rate
9.30 %p.a.)
and 0.55% above Base Rate, i.e. 9.85% p.a.( for Men)

w.e.f 01.05.16 Irrespective of Loan tenure and loan amount: 0.55% above MCLR, i.e. 9.70% p.a.( for Women) and
(MCLR 9.15%
p.a.)
0.60% above MCLR, i.e. 9.75% p.a.( for Men)

w.e.f 01.08.16 Irrespective of Loan tenure and loan amount: 0.55% above MCLR, i.e. 9.65% p.a.( for Women) and
(MCLR 9.10%
p.a.)
0.60% above MCLR, i.e. 9.70% p.a.( for Men)

w.e.f 01.10.16 Irrespective of Loan tenure and loan amount: 0.55% above MCLR, i.e. 9.60% p.a.( for Women) and
(MCLR 9.05%
p.a.)
0.60% above MCLR, i.e. 9.65% p.a.( for Men)

w.e.f 01.11.16 Irrespective of Loan tenure and loan amount: 0.70% above MCLR, i.e. 9.60% p.a.( for Women) and
(MCLR 8.90%
p.a.)
0.75% above MCLR, i.e. 9.65% p.a.( for Men)

w.e.f 01.01.17 Irrespective of Loan tenure and loan amount: 1.20% above MCLR, i.e. 9.20% p.a.( for Women) and
(MCLR 8.00%
p.a.)
1.25% above MCLR, i.e. 9.25% p.a.( for Men)

w.e.f 01.11.17 Irrespective of Loan tenure and loan amount: 1.20% above MCLR, i.e. 9.15% p.a.( for Women) and
(MCLR 7.95%
p.a.)
1.25% above MCLR, i.e. 9.20% p.a.( for Men)

w.e.f 01.03.18 Irrespective of Loan tenure and loan amount: 1.20% above MCLR, i.e. 9.35% p.a.( for Women) and
(MCLR 8.15%
p.a.)
1.25% above MCLR, i.e. 9.40% p.a.( for Men)

w.e.f 01.04.18 Irrespective of Loan tenure and loan amount: 1.20% above MCLR, i.e. 9.35% p.a.( for Women) and
(MCLR 8.15%
p.a.)
1.25% above MCLR, i.e. 9.40% p.a.( for Men)

w.e.f 01.06.18 Irrespective of Loan tenure and loan amount: 1.40% above MCLR, i.e. 9.65% p.a.( for Women) and
(MCLR 8.25%
p.a.)
1.45% above MCLR, i.e. 9.70% p.a.( for Men)