Interest Rates on Personal Segment Loan Products
Interest Rates on Personal Segment Loan Products
| Product Name | Interest Rate Range |
| Home Loan | |
| IB Home Loan to Elite Customers (Rs.15 lakhs & above) | 8.40% to 8.80% |
| IB Home Loan to Elite Customers (Rs.15 lakhs & above) – Takeover | 8.40% to 8.70% |
| IB Home Loan (CRE) to Elite Customers (Rs.15 lakhs & above) | 8.90% to 9.30% |
| IB Home Loan to General Customers | 9.20% to 9.40% |
| IB Home Loan CRE to General Customers | 9.70% to 9.90% |
| Home Loan Premium | |
| IB Home Loan Premium | 9.00% to 9.20% |
| Home Loan to Corporate Entity | |
| Home Loan to Corporate Entity | 8.70% to 10.20% |
| Home Advantage | |
| IB Home Advantage to Elite Customers (Rs.15 lakhs & above) – Term Loan | 8.45% to 8.80% |
| IB Home Advantage to Elite Customers (Rs.15 lakhs & above) – Overdraft | 9.45% to 9.80% |
| IB Home Advantage to General Customers – Term Loan | 9.20% to 9.40% |
| IB Home Advantage to General Customers – Overdraft | 10.20% to 10.40% |
| Plot Loan | |
| Plot Loan to Elite Customers (Rs.15 lakhs & above) | 9.40% to 9.80% |
| Plot Loan to General Customers | 10.20% to 10.40% |
| IB Home Improve | |
| IB Home Improve to Elite Customers (Rs.15 lakhs & above) | 8.90% to 9.30% |
| IB Home Improve to General Customers | 9.70% to 9.90% |
| IB Home Enrich | |
| IB Home Enrich | 9.40% to 9.95% |
| Home Loan Plus | |
| IB Home Loan Plus to Elite Customers (Rs.15 lakhs & above) | 9.00% to 9.70% |
| IB Home Loan Plus to General Customers | 9.70% to 10.15% |
| Ind Mortgage Loan | |
| Ind Mortgage (Term Loan) | 10.10% to 11.75% |
| Ind Mortgage (Overdraft) | 11.10% to 12.75% |
| Reverse Mortgage Loan | |
| Reverse Mortgage Loan | 9.40% |
| Loan against Rent Receivables | |
| IB Rent Encash | 10.00% to 11.50% |
| IB Rental | 9.70% to 11.35% |
| IB Rental (CRE) | 10.20% to 11.85% |
| 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 abvoe), concession of 0.50% is application on effective ROI | |
| Education Loan | |
| Education Loan | 8.20*% to 11.40% |
| *Education Loan Premier Elite Category Institutions | |
| Vehicle Loan | |
| IB Vehicle Loan to Elite Customers (Rs.5 lakhs & above) Fixed ROI | 8.65% to 9.00% |
| IB Vehicle Loan to Elite Customers (Rs.5 lakhs & above) Floating ROI | 8.80% to 9.15% |
| IB Vehicle Loan Eco Vahan (Electric Car) to Elite Customers (Rs.5 lakhs & above) Both Fixed & Floating ROI | 8.60% to 9.10% |
| IB Vehicle Loan to General Customers | 9.30% to 9.50% |
| IB Vehicle Loan Eco Vahan (Electric Car) to General Customers | 9.25% to 9.45% |
| IB Vehicle Loan for Purchase of User Car $ | 10.80% to 12.90% |
| Vehicle Loan for Purchase of 2 Wheeler | 10.15% to 11.65% |
| Loan for Purchase of “Van / Minibus / Bus / Ambulance” to Institutions / Firms / PSU / Company / Hospitals | 10.00% to 10.65% |
| $ 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 | 12.40% |
| PAPL to Self-employed Customers | 13.00% to 15.00% |
| Pre-approved Personal Loan to Home Loan customers | 11.00% |
| Clean Loan | |
| Non-Priority Term Loan for GMRA Premium | 10.00% to10.15% |
| IB Saral | 10.60% |
| IB Professional | 10.25%-10.50% |
| IB Insta Cash | 10.25% |
| Salary Loan & IBCLS Plus | |
| Clean Loan to Salaried Class – Term Loan | 10.90% to 11.40% |
| Clean Loan to Salaried Class – Overdraft | 11.90% to 12.40% |
| Pension Loan | |
| Pension Loan | 11.15% to 11.40% |
| Jewel Loan | |
| Jewel Loan (Non-Priority) | 8.65% to 9.00% |
| OD against Gold Jewels | 9.90% to 10.40% |
| Other Retail Loans | |
| Sovereign Gold Bond | 9.05% to 9.90% |
| Loan / Overdraft against NSC/KVP/LIC Policy/RBI Relief Bonds | 10.00% |
| 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 Nov 27, 2023 at 03:11:09 PM )
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