Interest Rates on Personal Segment Loan Products: Floating
Interest Rates on Personal Segment Loan Products: Floating
| Product Name | Interest Rate Range |
| Home Loan | |
| IB Home Loan | 8.15% to 9.55% |
| IB Home Loan (NRI) | 8.15% to 9.55% |
| IB Home Loan – Takeover | 9.15% to 9.55% |
| IB Home Loan (CRE) | 8.65% to 10.05% |
| Home Loan to Corporate Entity | |
| Home Loan to Corporate Entity | 8.60% to 10.10% |
| Plot Loan | |
| Plot Loan | 9.15% to 10.55% |
| Plot Loan (NRI) | 9.15% to 10.55% |
| IB Home Improve | |
| IB Home Improve | 8.65% to 10.05% |
| IB Home Enrich | |
| IB Home Enrich | 9.15% to 9.70% |
| Home Loan Plus | |
| IB Home Loan Plus | 8.65% to 9.75% |
| Ind Mortgage Loan | |
| Ind Mortgage (Term Loan) | Loan Amount upto Rs.7.50 Cr: 9.85% to 11.35%
Loan Amount Above Rs. 7.50 Cr:10.35% to 11.85% |
| Ind Mortgage (Overdraft) | 9.85% to 11.85% |
| Reverse Mortgage Loan | |
| Reverse Mortgage Loan | 9.40% |
| Loan against Rent Receivables | |
| IB Rent Encash | 9.75% to 11.25% |
| IB Rental | 9.45% to 11.45% |
| IB Rental (CRE) | 9.95% to 11.95% |
| 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 | 8.60% to 11.40% |
| Education Loan Premier Elite Category Institutions | 8.20% |
| Vehicle Loan | |
| IB Vehicle Loan | 8.55% to 9.75% |
| IB Vehicle Loan (Eco Vahan ) | 8.50% to 9.70% |
| IB Vehicle Loan for Purchase of User Car $ | 10.55% to 12.65% |
| Vehicle Loan for Purchase of 2 Wheeler | 9.90% to 11.40% |
| Loan for Purchase of “Van / Minibus / Bus / Ambulance” to Institutions / Firms / PSU / Company / Hospitals | 9.75% to 10.40% |
| $ 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 | 12.15% |
| PAPL to Self-employed Customers | 12.75% to 14.75% |
| Pre-approved Personal Loan to Home Loan customers | 10.75% |
| Clean Loan | |
| Non-Priority Term Loan for GMRA Premium | 9.75% to 9.90% |
| IB Saral | 10.35% |
| IB Professional | 10.00%-10.25% |
| IB Insta Cash | 10.00% |
| Salary Loan & IBCLS Plus | |
| Clean Loan to Salaried Class – Term Loan | 10.65% to 11.15% |
| Clean Loan to Salaried Class – Overdraft | 11.65% to 12.15% |
| Pension Loan | |
| Pension Loan | 10.90% to 11.15% |
| Jewel Loan | |
| Jewel Loan (Non-Priority) | 8.75% to 9.50% |
| OD against Gold Jewels | 9.65% to 10.15% |
| Other Retail Loans | |
| Sovereign Gold Bond | 9.05% to 9.90% |
| Loan / Overdraft against NSC/KVP/LIC Policy/RBI Relief Bonds | 9.75% |
| Term Loan/Overdraft against own deposits | 1% over deposit rates |
| Loan against Third party INR deposit | 10.80% |
| Loan to depositor against own FCNRB Deposit | 10.30% |
| Loan against third party FCNRB Deposit | 10.80% |
( Last modified on Feb 10, 2025 at 06:02:22 PM )
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