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10 YEARS INT Rates
10 YEARS INT Rates
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.
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.
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)