Floating Rate Schematic loans linked to REPO rate

Sl No: Category Interest rate

Home Loan Scheme (Income Program, Repairs & Repo Rate +3.65%
renovation and Reimbursement)
Home Loan Surrogate Repo Rate +4.65%
1 Home Loan Saver Repo Rate +4.90%
Housing Loan SMART (Income Program, Repairs Repo Rate +4.15%
& renovation and Reimbursement)
Housing Loan SMART (Surrogate Program) Repo Rate +4.90%
2 Loan to Business Correspondents Repo Rate +4.40%
Repo Rate +3.90% to Repo Rate
SIB Car Loan (for new car) +4.65% ( Based on Bureau score)
3
Repo Rate +7.10% to Repo
SIB Car Loan (for used cars) Rate+10.10% (Based on Bureau
score)
SIB Mobiloan Commercial /Agricultural (for new Repo Rate + 6.80% to Repo Rate +
vehicles) 7.80%
4
SIB Mobiloan Commercial /Agricultural (for used Repo Rate +7.30% to Repo Rate
vehicles) +8.30%
5 SIB Rental Repo Rate +6.40%
Vitjnan Pradhan Scheme Up to Rs. 7.50 Lacs (For Repo Rate +5.85%
Boy Students)
Vitjnan Pradhan Scheme Up to Rs. 7.50 Lacs (For Repo Rate +5.35%
Girl Students)
6
Vitjnan Pradhan Scheme above Rs. 7.50 Lacs (For Repo Rate +6.90%
Boy Students)
Vitjnan Pradhan Scheme above Rs. 7.50 Lacs (For Repo Rate +6.40%
Girl Students)
7 Vidyanidhi Repo Rate +9.10%

Repo Rate +3.55% to Repo Rate

8 SIB Excellence +3.90%

EDUSUM- Loans upto and including Rs. 4 Lakhs Repo Rate +9.70%
9
EDUSUM- Loans above Rs. 4 Lakhs Repo Rate +10.20%

SIB Global Education (above Rs. 10.00 Lakhs up Repo Rate +6.40%
to Rs. 75.00 Lakhs)
10
SIB Global Education (above Rs. 75.00 Lakhs up Repo Rate +5.90%
to Rs. 150.00 Lakhs)
 Repo Rate + 6.90%
11 Skill Loan Scheme

Repo Rate + 4.70% to Repo Rate +

12 SIB Pharma Plus 6.70% (Based on rating score
card/borrower rating)
13 SIB Decor Repo Rate + 6.90%

14 SIB Mini Rental Scheme Repo Rate +6.40%

Gold Power- OD (Other than Repledge)(Only Repo Rate +5.30%

Retail and MSE)
15 Gold Loan Term Loan EMI Repo Rate +4.80%

Gold Loan - OD Repo Rate +5.30%

17 SIB Loan For Purchasing Commercial Property Repo Rate +5.90%

SIB Business Loan (income program) Repo Rate +8.10% to Repo Rate
10.10%
18 Repo Rate +10.10% to Repo Rate
SIB Business Loan (non income program) +12.10%

Repo Rate + 4.40% to Repo Rate +

19 SME Composite Loan 6.40% (Based on rating
score/borrower rating)
Repo Rate + 4.90% to Repo Rate +
20 Trader's Overdraft 6.40% (Based on rating
score/borrower rating)
Repo Rate +6.60% to Repo Rate
SIB Personal Loan Scheme (Income program) +9.10% (Based on Bureau score)
21 Repo Rate +6.10% to Repo Rate
SIB Personal Loan Scheme (Non Income program) +8.60% (Based on Bureau score)

Repo Rate +6.90% to Repo Rate

22 Two Wheeler Loan +8.90% (Based on Bureau score)
Repo Rate +3.90% to Repo Rate
23 SIB Superbike +6.00% (Based on Bureau score)

Mortgage Loan (Individuals and Firms & Repo Rate + 5.15% to Repo Rate +
24 6.40% (Based on Bureau score/rating)
Companies)
Repo Rate + 4.40% to Repo Rate +
25 SIB GST Business Loan 6.40% (Based on Bureau
score/rating)
Repo Rate + 4.40% to Repo Rate +
26 MSME Star 6.40% (Based on Bureau
score/rating)
 Repo Rate + 4.60% to Repo Rate +
27 Vendor Finance 5.60% (Based on /rating)
Repo Rate + 4.60% to Repo Rate +
28 Dealer Finance 5.60% (Based on /rating)
Repo Rate + 3.60% to Repo Rate +
29 Corporate Bill Discounting 4.85% (Based on /rating)