Interest Rates on Personal Segment Loan Products – Fixed

Product Name	Interest Rate Range
Home Loan
IB Home Loan Elite	8.85% to 8.90%
IB Home Loan General	9.30% to 9.50%
IB Home Loan (CRE) Elite	9.35% to 9.40%
IB Home Loan (CRE)	9.80% to 10.00%

Home Loan to Corporate Entity
Home Loan to Corporate Entity	8.85% to 10.35%

Plot Loan
Plot Loan Elite	9.85% to 9.90%
Plot Loan General	10.30% to 10.50%

IB Home Improve
IB Home Improve Elite	9.30% to 9.35%
IB Home Improve General	9.75% to 9.95%

IB Home Enrich
IB Home Enrich	9.45% to 10.00%

Home Loan Plus
IB Home Loan Plus Elite	9.30% to 9.55%
IB Home Loan Plus General	9.75% to 10.05%

Ind Mortgage Loan
Ind Mortgage (Term Loan)	10.15% to 11.65%
Ind Mortgage (Overdraft)	11.15% to 12.65%

Loan against Rent Receivables
IB Rent Encash	10.05% to 11.55%
IB Rental	9.75% to 11.25%
IB Rental (CRE)	10.25% to 11.75%
If the lessee(s) is(are) our Bank / PSB / Pvt. sector Bank / Reputed Financial Institution / Government Organization / PSU / Company & Firm (Externally rated “A” / equivalent and above), concession of 0.50% is application on effective ROI

Education Loan
Education Loan	8.80*% to 11.45%
*Education Loan Premier Elite Category Institutions

Vehicle Loan
IB Vehicle Loan Fixed ROI	8.85% to 9.75%



IB Vehicle Loan for Purchase of User Car $	10.85% to 12.95%
Vehicle Loan for Purchase of 2 Wheeler	10.20% to 11.70%
Loan for Purchase of “Van / Minibus / Bus / Ambulance” to Institutions / Firms / PSU / Company / Hospitals	10.05% to 10.70%
$ For vehicles purchased from certified pre owned cars like Authorized Dealer of Maruti True Value, Mahindra First Choice, Hyundai Promise, Toyota U Trust (supported by Quotation) discount of 0.25% is given on the applicable rates.

Pre-approved Personal Loan
Pre-approved Personal Loan to Pensioners, Salaried & Regular Income customers	12.45%
PAPL to Self-employed Customers	13.05% to 15.05%
Pre-approved Personal Loan to Home Loan customers	11.05%

Clean Loan
Non-Priority Term Loan for GMRA Premium	10.05% to 10.20%
IB Saral	10.65%
IB Professional	10.30%-10.55%
IB Insta Cash	10.30%

Salary Loan & IBCLS Plus
Clean Loan to Salaried Class – Term Loan	10.95% to 11.45%
Clean Loan to Salaried Class – Overdraft	11.95% to 12.45%

Pension Loan
Pension Loan	11.20% to 11.45%
Jewel Loan
Jewel Loan (Non-Priority)	8.80% to 9.80%
OD against Gold Jewels	9.95% to 10.45%

Other Retail Loans
Loan / Overdraft against NSC/KVP/LIC Policy/RBI Relief Bonds	10.05%