| Sr No. | Loan Product | Benchmark | Spread (bps) | Effective Rate (% p.a.) | Max Tenure |
|---|---|---|---|---|---|
| 1 | Home Loan ā Regular | RLLR | 250 | 8.75 ā 9.50 | 30 yrs |
| 2 | Home Loan ā Affordable | RLLR | 200 | 8.25 ā 8.75 | 30 yrs |
| 3 | Home Loan ā Top-Up | RLLR | 300 | 9.25 ā 10.00 | 15 yrs |
| 4 | Car Loan ā New Vehicle | MCLR (1Y) | 200 | 9.05 ā 9.80 | 7 yrs |
| 5 | Car Loan ā Used Vehicle | MCLR (1Y) | 350 | 10.35 ā 11.50 | 5 yrs |
| 6 | Personal Loan ā Salaried | MCLR (1Y) | 500 | 11.85 ā 14.00 | 5 yrs |
| 7 | Personal Loan ā Self-Employed | MCLR (1Y) | 600 | 12.85 ā 15.50 | 5 yrs |
| 8 | Education Loan | MCLR (1Y) | 150 | 8.70 ā 9.25 | 15 yrs |
| 9 | Gold Loan | MCLR (3M) | 200 | 9.15 ā 10.00 | 2 yrs |
| Sr No. | Loan Product | Benchmark | Effective Rate (% p.a.) | Max Tenure |
|---|---|---|---|---|
| 1 | MSME Term Loan | MCLR (1Y) | 10.50 ā 12.50 | 10 yrs |
| 2 | MSME Working Capital | MCLR (3M) | 10.25 ā 12.00 | 1 yr (renewable) |
| 3 | Pradhan Mantri Mudra Yojana | Fixed | 9.50 ā 11.00 | 5 yrs |
| 4 | Kisan Credit Card | MCLR (1Y) | 7.00 | Annual (renewable) |
| 5 | Agricultural Term Loan | MCLR (1Y) | 8.50 ā 9.50 | 7 yrs |
| Sr No. | Reset Frequency | MCLR (% p.a.) | Effective From |
|---|---|---|---|
| 1 | Overnight | 8.45 | 01 June 2026 |
| 2 | 1 Month | 8.55 | 01 June 2026 |
| 3 | 3 Months | 8.65 | 01 June 2026 |
| 4 | 6 Months | 8.75 | 01 June 2026 |
| 5 | 1 Year | 8.85 | 01 June 2026 |
| 6 | 3 Years | 8.95 | 01 June 2026 |