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Roi Onretaillendingschemes
Roi Onretaillendingschemes
-1 & 1 to 5)
* The above benefit will be applicable, if the house is singly/jointly owned by female
borrower.
1
2. SMART SAVE:
<=80
From 600
EBLR + 0.95% = 10.20%
to 649 >80&<=90
<=80
<=80
750 &
EBLR + 0.05% = 9.30%
Above >80&<=90
<=80
From 600
EBLR + 1.10% = 10.35%
to 649 >80&<=90
<=80
Below 600 EBLR + 1.65% = 10.90%
>80&<=90
* The above benefit will be applicable, if the house is singly/jointly owned by female
borrower.
2
3. COMMERCIAL REAL ESTATE –
a) Residential Housing (CRE-RH) 3rd House:
-1 & 1 to 5)
Irrespective of the loan amt 750 and above EBLR – 0.15% = 9.10%
-1 & 1 to 5)
* The above benefit will be applicable, if the house is singly/jointly owned by female
borrower.
3
4. UNION MILES:
Reference Premium Effective ROI
Type of vehicle CIC score
Rate (D) (E) (D+E=F)
8.80%
800 & Above EBLR -0.45%
9.00%
From 750 - 799 EBLR -0.25%
9.45%
From 731 - 749 EBLR 0.20%
New 4-Wheeler
From 700-730 9.75%
EBLR 0.50%
& -1 & 1 to 5
10.25%
From 650-699 EBLR 1.00%
10.45%
below 650 EBLR 1.20%
12.35%
700 & above EBLR 3.10%
New 2-Wheeler
12.45%
below 700 EBLR 3.20%
12.85%
700 & above EBLR 3.60%
Old 4 - Wheeler (Not older
than 3 years) 12.95%
below 700 EBLR 3.70%
** The above rate of interest shall also be applicable in case of SRLGE Schemes
4.1 UNION GREEN MILES:
Reference Premium Effective ROI
Type of vehicle CIC score
Rate (D) (E) (D+E=F)
800 & Above EBLR -0.55% 8.70%
4
6. UNION EDUCATION PREMIER ABROAD:
8. Union Education Scheme: Tier I Premier Management & Technical Institutes for
Indian Institutes of Technology (IITs):
Special Scheme for students of Tier-I Premier Management & Technical institutes
Category ‘A’ Institutes EBLR -0.70% 8.55%
Category ‘B’ Institutes EBLR 0.00% 9.25%
Special scheme for students of Tier-II Management & Technical Institutes
For Male Student EBLR 1.75% 11.00%
For Female/SC/ST/Minority Students EBLR 1.25% 10.50%
5
11. UNION EDUCATION – SKILL DEVELOPMENT:
Quantum of loan
Rate of Interest (Fixed Rate)
Rs.1.00 Lakhs to Rs.100 Lakhs 11.30%
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15. UNION PERSONAL:
Reference Premium Effective ROI
Schemes CIC score
Rate (D) (E) (D+E=F)
700 & above EBLR 4.10% 13.35%
Union Personal - Under Tie-up
below 700 EBLR 4.20% 13.45%
700 & above EBLR 5.10% 14.35%
Union Personal – Under Non Tie-up
below 700 EBLR 5.20% 14.45%
Union Personal- For Non-Salaried 700 & above EBLR 6.10% 15.35%
Individuals below 700 EBLR 6.20% 15.45%
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21. SPECIAL RETAIL LENDING SCHEME FOR GOVERNEMNT EMPLOYEE, SRLGE:
HOME LOAN:
-1 & 1 to 5)
* The above benefit will be applicable, if the house is singly/jointly owned by female
borrower.
8
750 & Above EBLR 2.10% 11.35%
Where employer
undertaking is From 700 to 749 EBLR 2.20% 11.45%
available From 650 to 699 EBLR 2.40% 11.65%
Less than 650 EBLR 2.70% 11.95%
750 & Above EBLR 3.60% 12.85%
Where employer From 700 to 749 EBLR 3.70% 12.95%
undertaking is not From 650 to 699 EBLR 3.90% 13.15%
available
4.20%
Less than 650 EBLR 13.45%
UNION PERSONAL
Where salary account 2.70%
750 & Above EBLR 11.95%
is with our bank and
employer From 700 to 749 EBLR 2.80% 12.05%
undertaking is not
available but 3.00%
From 650 to 699 EBLR 12.25%
guarantee of another
co-employee is
obtained.
One Co-employee
will be eligible to Less than 650 EBLR 12.55%
offer maximum 1 3.30%
guarantee.