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RATES AT A QUICK GLANCE : DEPOSITS & LOANS DEPOSITS NATURE RATE OF INTEREST MINIMUM BALANCE

ACCOUNT

NORMAL

SENIOR SEMIRURAL URBAN CITIZEN URBAN

Savings Account - Domestic a. With Cheque book facility b. Without cheque book facility c. No frills Account 4.0 4.0 4.0 -

DOMESTIC TERM DEPOSITS

Maturity Period

Rates for Deposits up to less than Rs.1 Crore

Rates For Deposits 1 Crore to Rs.10 Crore Single Deposit

Existing Rates Revised Existing Rates Revised Rates w.e.f Rates w.e.f 01.05.12 7 -14 days 15 - 30 days 31 -45 days 46 - 90 days 7.00 7.00 7.00 7.00 5.00 5.00 5.00 7.00 7.00 7.00 7.00 7.00 01.05.12 5.00 5.00 5.00 7.00

91 - 179 days 180 - 270 days 271 - 364 days 1 year More than 1 yr to less than 2 years 2 yr to less than 3 years 3 yr to less than 5 years 5 years & above 555 days Cent Double

7.40 9.10 9.10 9.25 9.25 9.30 9.25 9.09 9.30 9.15

7.30 8.25 8.50 9.00 9.00 8.75 8.75 8.50 9.10 8.75

9.00 9.10 9.10 9.00 9.00 9.30 9.25 9.00 NA NA

8.00 8.50 8.50 9.00 8.75 9.00 9.00 8.75 NA NA

*For Rate of Interest on Single Deposits of above Rs 10 Cr branches are advised to contact Treasury department. B. Non Resident Accounts a. NRO (All Maturities) b.NRE, FCNR(B), RFC Deposits Rate of Interest (%) NRO rates are same as domestic deposit rates. Click Here to View Interest Rate W.E.F. June 2012

Loans B.P.L.R ( w.e.f 01.08.2011 ) Base Rate (BR) w.e.f. 01.05.2012 15.00% p.a 10.50%

Base Rate linked INTEREST RATES - RETAIL LENDING SCHEMES

RETAIL ADVANCES (Rate of Interest w.e.f. 01.05.2012)

S.No.

Scheme

Base Rate Spread % % (a) (b)

Effective Rate % (a+b)=(c)

Processing Charges *

Direct Housing Finance i) upto Rs.30 lakh a) upto 5 years tenure b) 5 to 10 years tenure c) 10 to 25 years tenure ii) above Rs.30 lakh & < Rs.75 lakh a) upto 5 years tenure b) 5 to 10 years tenure c) 10 to 25 years tenure 1. iii) Rs.75 lakh & above a) upto 5 years tenure b) 5 to 10 years tenure c) 10 to 25 years tenure 2. 10.50 10.50 10.50 + 0.50 + 0.50 + 0.50 11.00 11.00 11.00 10.50 10.50 10.50 + 0.25 + 0.25 + 0.25 10.75 10.75 10.75 0.50 % of loan amount, maximum Rs.20,000/10.50 10.50 10.50 +0 + 0 + 0 10.50 10.50 10.50

Cent Home Loan Plus - Rate of Interest as applicable to Bank's Existing Housing Loan Scheme in case of renovation. The rate of interest will be 1% more than the rate of existing housing loan in case of refurbishment , buying of furniture, Rs.500/- per

television, home theater etc. 3. Special Housing Loan Scheme Employees of Central / State Governments & PSUs of Central Government under Bank's Direct Housing Finance Scheme. i) upto Rs.30 lakh a) upto 5 years tenure b) 5 to 10 years tenure c) 10 to 25 years tenure 10.50 10.50 10.50 + 0.00 + 0.00 + 0.00 10.50 10.50 10.50

proposal

0.50 % of loan amount, maximum Rs.20,000/-

Processing Fee is waived in the cases where the employees are maintaining salary account with our Bank. Processing Fee is also waived in cases where the salary disbursement account is with other Banks as per the arrangement of Central Government Department, provided the borrower government employee gives standing instruction to the concerned Bank to transfer the entire salary credit to his savings account with our Bank.

4.

Loan to Pensioner

10.50 10.50

+ 4.00 + 2.00

14.50 12.50

Nil 0.15% of loan amt, min. Rs. 500/- and max. Rs.10,000/Same as above

5.

Cent Swabhimaan

6.

Cent Swabhimaan Plus

10.50

+ 1.50

12.00

S.No.

Scheme

Base Rate Spread % % (a) (b) + 4.00

Effective Rate % (a+b)=(c) 14.50

Processing Charges *

7.

Personal Loan to Corporate

10.50

Rs.500/- per

Employees 8. Personal Loan to Non Corporate Employees Loan to Teachers 10.50 + 5.00 15.50

proposal Rs.500/- per proposal Rs.500/- per proposal Rs.250/- per proposal

9.

10.50

+ 2.75

13.25

10.

Loan to LIC Agents

10.50

+ 4.00

14.50

Cent Vehicle a) New vehicles repayable within 36 10.50 months 11. b) New vehicles repayable beyond 10.50 36 months c) Second hand vehicles Cent Vehicle- TATA Vehicle: Upto 36 months > 36 months to 60 months > 60 months Cent Vidyarthi - Studies In India / Abroad 12. 10.50 10.50 10.50 10.50 + 1.00 + 2.00 + 3.00 + 2.00 10.50 12.50 13.50 12.50 Rs.2000/- per proposal for 4 wheeler 10.50 + 1.00 11.50 Rs.500/- per proposal for 2 wheeler Rs.2000/- per proposal for 4 wheeler

+ 2.00

12.50

+ 3.00

13.50

Female / SC/ST / IIT/IIM Students 10.50

+ 1.50

12.00

Nil 13. Executive MBA 10.50 + 1.25 11.75 Rs.10,000/- lump sum

Special Edn Loan Scheme for IIM Students

10.50

+0.50

11.00

14.

Female, SC,ST, Minority Community 10.50 Students

+0.00

10.50

Nil 10.50 + 3.00 13.50 Rs.100/- per proposal Rs.300/- per proposal. 0.50 % of limit amt,

Up to Rs.25,000 >Rs.25,000 up to Rs.2 lakh 15. Cent Trade >Rs.2 lakh upto Rs.500 lakh maximum

Rs.50,000/-for TL & Rs.20,000/for OD at the time of sanction. Renewal charges 0.10 % of limit, max.Rs.5000/-.

Cent Rental i) Loan upto 3 years 16. ii) Loan above 3 years 10.50 10.50 + 3.50 + 4.50 14.00 15.00 1% of the loan amount subject to min. of Rs.5,000/and max. of Rs.2.00 lakh. Rs.100/- per proposal 1% of loan amt, min. Rs. 500/Nil Nil

17.

Cent Computer

10.50

+ 5.00

15.50

18.

Cent Liquid

10.50

+ 4.00

14.50

19. 20.

Cent School Cent Suvidha

10.50 10.50

+ 3.00 + 4.00

13.50 14.50

S.No.

Scheme

Base Rate Spread % % (a) (b)

Effective Rate % (a+b)=(c)

Processing Charges *

Cent Doctor i) For equipments/working capital 21. ii) For construction of clinic Cent Dentist(New Dentists) Upto Rs.10 lakh i) For equipments/working capital 22. ii) For construction of clinic Cent Dentist(Other Dentists) i) For equipments/working capital ii) For construction of clinic 10.50 10.50 + 1.75 + 2.00 12.25 12.50 0.5% of loan amount Maximum Rs.5,000/TL: 0.50 % of loan amt., maximum Rs.20,000/Overdraft : 0.50 % of loan amt., maximum Rs.10,000/- on sanction & maximum Rs.2000/- per 10.50 10.50 + 0.50 + 0.50 11.00 11.00 0.5% of loan amount Maximum Rs.2,000/10.50 10.50 + 2.25 + 2.50 12.75 13.00 0.5% of loan amount Maximum Rs.10,000/-

Cent Mortgage Irrespective of Tenor and Facility 23. 10.50 + 3.50 14.00

renewal. 0.50% of loan maximum Rs.20,000/- for TL and Rs.10,000/for OD on sanction. OD renewal charges 0.50% of loan maximum Rs.2,000/-. Cent Personal Gold Loan 25. Overdraft Demand Loan 10.50 10.50 +3.00 +2.00 13.50 12.50 0.5% of the loan amount plus applicable Appraiser Fee.

24.

Cent Mortgage-Educational Institute

10.50

+3.50

14.00

Cent Comp-Exam 26. i) Male ii) Female/SC/ST/Minorities Cent Ratna 27. (Concession of 0.50% to the borrower maintaining and operating Salary Account with the Bank's Branch.) Cent Sahyog- Upto Rs.10 lakh 28. >Rs.10 lakh upto Rs.100 lakh 10.50 +4.00 14.50 Rs.1000/- per proposal (inclusive of CCPC charges) 10.50 10.50 +4.00 +3.50 14.50 14.00 Rs.200/- per proposal

10.50 10.50

+0.50 +1.00

11.00 11.50 Rs.100/- per proposal Rs.1000/- per proposal. 0.50 % of limit amt,

Up to Rs.50,000 >Rs.50,000 up to Rs.5 lakh >Rs.5 lakh upto Rs.100 lakh maximum

Rs.25,000/--

Renewal charges 0.10 % of limit, max.Rs.15000/-

* Note:Processing charges are exclusive of handling charges of Rs.300/- to Rs.1000/- for different schemes charged by CCPCs (Centralised Credit Processing Centres) wherever applicable.

Credit Schemes S. N. Particulars 1. 2. Banks Base Rate (BR) w.e.f. 01.05.2012 Bank's Benchmark Prime Lending Rate (BPLR) w.e.f. 01.05.2012 Rate 10.50% 14.75%

MSME Finance Micro, Small & Medium Enterprises (MSME) Advances (Secured): S.N. Parameters Micro Enterprises Small Enterprises Medium Enterprises BR+0.50% BR+1.00%

Loan up to Rs.50000/-

BR

Above Rs.50000/- to BR+1.00% Rs.2.00 lacs. Above Rs.2.00 lakh to Rs.10.00 lacs. BR+1.50%

BR+1.50%

BR+2.00%

BR+2.00%

BR+2.50%

Rs.10.00 lacs & AB-1 :BR+1.50% above AB-2 :BR+1.50% (Linked to Rating of AB-3 : BR+2.50% AB-4 : BR+3.50% the account) AB-5 : BR+5.00% AB-6 : BR+6.00% AB-7 : BR+7.00%

AB-1:BR+2.00% AB-2:BR+2.50% AB-3:BR+3.00% AB-4:BR+3.50% AB-5:BR+5.50% AB-6:BR+6.50% AB-7: BR+7.50%

AB-1: BR+2.50% AB-2: BR+3.00% AB-3: BR+3.50% AB-4: BR+3.50% AB-5: BR+5.50% AB-6: BR+6.50% AB-7: BR+7.50%

Agriculture Advances Agriculture Advances (Secured): S.N. Parameters 1 2 3 4 Up to Rs.50000 .00 Above Rs.50000.00 & up to Rs.2.00 Lac Above Rs.2.00 Lacs & up to Rs.5.00 Lac Above Rs.5.00 Lacs & up to Rs. 10.00lacs Rate BR+0.75% BR+2.00% BR+3.50% BR+4.50%

5 6 6.1 6.2 7.

Above Rs.10.00 Lacs Cold Storage, Warehouse & Rural Go down Up to Rs.25.00 Lac Above Rs.25.00 lacs Financing to SHGs - upto Rs.50000.00 per member & upto Rs.5.00 lacs per Group (Maximum) Loans to MFIs (Micro Finance Institutions)

As per risk rating of borrowers

BR+3.00% As per risk rating of borrowers BR

Up to Rs.50.00 Lacs BR+2.00% BR+2.50% BR+3.50%

Above Rs.50.00 Lacs BR+2.00% BR+3.00% BR+4.00%

8.1 8.2 8.3

AB-1 or highest rating by external agency AB-2 or high rating by external agency AB-3 or above average rating by external agency AB-4 or average rating by external agency AB-5 AB-6 AB-7

8.4 8.5 8.6 8.7

BR+4.50% BR+5.00% BR+5.50% BR+7.50%

BR+4.50% BR+5.50% BR+6.00% BR+7.50%

Agriculture Advances(Secured): (Based on the rating of accounts) S.N. Rating Grade Agriculture(Having Exposure above 10.00 Lacs) BR+4.00% BR+4.50% Poultry(Having Exposure above 25.00 Lacs) BR+3.00% BR+4.00% Cold Storage, Warehouses & Rural Godown(Having Exposure above 25.00 Lacs) BR+4.00% BR+4.50%

1 2

AB-1 AB-2

3 4 5 6 7

AB-3 AB-4 AB-5 AB-6 AB-7

BR+5.00% BR+5.50% BR+6.00% BR+6.50% BR+7.00%

BR+4.50% BR+5.00% BR+5.50% BR+6.00% BR+7.00%

BR+5.00% BR+5.50% BR+6.00% BR+6.50% BR+7.00%

Rate of Interest under Retail Credit Products Sl. Scheme No. 1 2 3 AllBank Property AllBank Rent Scheme for O/D in S. B. Accounts: All Bank Trade: 1. For credit limits upto Rs.20.00 Lac for Retail Trade: 2. For credit limits classified under Micro & Small Enterprises Micro enterprises Loan upto Rs.50000/Loan above Rs.50000/- to Rs.2.00 Lac Loan above Rs.2.00 Lac to Rs.10.00 Lac Rs.10.00 Lac & above (Linked BR BR+1.00% Small Enterprises BR+0.50% BR+1.50% Rate of Interest

BR+5.50% BR+5.00% BR+4.50%

BR+1.50%

BR+2.00%

AB-1 : BR+1.50%

AB-1 : BR+2.00%

to Rating of the account)

AB-2 : BR+1.50% AB-3 : BR+2.50% AB-4 : BR+3.50% AB-5 : BR+5.00%

AB-2 : BR+2.50% AB-3 : BR+3.00% AB-4 : BR+3.50% AB-5 : BR+5.50%

3. For borrowers other than mentioned above: 1. Up to and inclusive Rs.10.00 Lacs - BR+4.00% 2. Above Rs.10.00Lacs (Linked to Rating of the account): AB-1 AB-2 AB-3 AB-4 AB-5 5. 6. All Bank Mobike: Car Loan: (i) In case of Salary tie- BR+0.50% up & Full Collateral security, Doctors/Medical Practitioners (ii) In case of Others 7. Saral Loans:

BR+3.50% BR+3.50% BR+4.00% BR+5.00% BR+6.50% BR+3.00%

BR+0.50% BR+5.00%

0.50% rebate in interest rate is allowed if liquid collateral security (FDR / NSC / LIP / KVP) or Equitable Mortgage of Land / Building for the amount equal to the loan amount is offered. Additional 0.50% interest rebate may be allowed as under: (a) Small organisations, where number of permanent employees is upto 50: -

All employees should draw salary through their respective salary accounts (i.e. accounts of individual employees) maintained with our branches. (b) Big organisations where number of permanent employees is more than 50: - In such cases at least 50 employees should draw salary through their respective salary accounts (i.e. accounts of individual employees) maintained with our branches. 8. Personal Loan to Doctors: Education Loan: (i) For IIT/ IIM/ ISB BR+2.25% (loan upto 10.00 Lacs) (ii) For Others (a) Loan upto 4.00 BR+3.00% Lacs BR+3.00% (b) Loan above Rs.4.00 Lacs @ For girl students, rebate @1% will be allowed under each slab. Rebate of 1.00% on the interest charged in the moratorium period will be provided if the interest is serviced during the study period when repayment holiday is specified for interest / repayment under the scheme. 10. Housing Loan for Furnishing: 11. Gyan Dipika 12. Pensioners Personal Loan Loan against NSC/ KVP BR+3.00% BR+5.00%

9.

BR+4.00% BR+3.00% (No processing Fee will be charged for this scheme) BR+4.00%

13.

14. Gold loan: Loan for Agricultural purpose Rate prescribed by the bank for agriculture loan. At present as under 1. Up to Rs.50000.00 BR

2 Above Rs.50000.00 & up to Rs.2.00 Lac BR+1.00% 3 Above Rs.2.00 Lacs & up to Rs.5.00 Lac BR+2.00% Loan for other purposes 1. Up to Rs.3.00 Lac BR+2.25% 2 Above Rs.3.00 Lac BR+4.00%

15. Short term loan for application money: If interest is serviced monthly BR+3.00%

If interest for 6 BR+2.50% months is paid upfront & as margin Interest equivalent of 3 months is paid 16. Reverse mortgage: BR+2.00%

17. Housing Loan/Housing Loan to NRI/PIO Floating Category Up to Rs.20 Lac Up to 5 years More than 5 Yrs & up to 10 Yrs BR+0.25%

BR+0.75%

More than 10 Yrs & up BR+1.00% to 15 Yrs More than 15 Yrs to 25 Yrs

BR+1.25%

Floating Category above Rs. 20.00 Lacs but below 50.00 Lacs Up to 5 years More than 5 Yrs & up to 10 Yrs BR+1.00%

BR+1.50%

More than 10 Yrs & up BR+1.75% to 15 Yrs More than 15 Yrs to 25 Yrs

BR+2.00%

Floating Category for loans Rs. 50.00 Lacs and above Up to 5 years More than 5 Yrs & up to 10 Yrs BR+1.50%

BR+2.00%

More than 10 Yrs & up BR+2.25% to 15 Yrs More than 15 Yrs to 25 Yrs 19

BR+2.50%

Loan amount Micro Enterprises Loans up to Rs. 50000/Above Rs. 50000/- to Rs. 2.00 Lacs ALLBANK COMMERCIAL VEHICLE FINANCE Above Rs. 2.00 to Rs. 10.00 Lacs Rs. 10.00 Lacs & above (Linked to Rating of the account)

Small Enterprises

BR

BR+0.50%

BR+1.00%

BR+1.50%

BR+1.50%

BR+2.00%

NA (As the maximum project cost for classification under this sector is Rs. 10.00 Lacs)

AB-1: BR+2.00% AB-2: BR+2.50% AB-3: BR+3.00% AB-4: BR+3.50% AB-5: BR+5.50% AB-6: BR+6.50% AB-7: BR+7.50%

20

AllBank IPO/ FPO Finance Scheme

BR+3.50%

21 ALLBANK AASHIANA (New Home Loan Scheme)

Up to Rs. 25 Lac BR

Above Rs. 25 Lac Above Rs. 75 Lac and and up to Rs. 75 Lac up to Rs. 200 Lac BR + 0.25% BR+0.50%

For further details please contact our nearest Branch.

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