IJSBANK

Find The Lowest Intrest Rates @ KAIJS BANKING

Intrest Rates Chart

 

Type of Loan

Current ROI

New ROI

Rebate

Iff. Int Rate

A

INDIVIDUAL LOAN (Scheme Finance)

1

SAVALI (Home Loan/Agri. Home Loan)

                        Up to Rs.25.00 Lacs

8.95%

9.50%

1.00%

8.50%

                        Above Rs.25.00 Lacs

9.25%

9.50%

-

9.50%

House Repair/Renovation

11.00%

11.50%

-

11.50%

2

PUSHPAK (Vehicle Loan)

                        2 Wheeler

12.00%

12.50%

-

12.50%

4 Wheeler Up to Rs.25.00 Lacs

       4 Wheeler (Insurance through our bank)

9.00%

9.50%

1.00%

8.50%

                        4 Wheeler (Insurance other )

9.50%

10.00%

1.00%

9.00%

4 Wheeler Above Rs.25.00 Lacs

                        4 Wheeler (Insurance through our bank)

9.00%

9.50%

-

9.50%

                        4 Wheeler (Insurance other )

9.50%

10.00%

-

10.00%

3

Commercial Vehicle Loan (CVL)

12.00%

12.50%

1.00%

11.50%

4

DYANSADHANA (Educational Loan)

10.00%

10.50%

-

10.50%

5

HOME APPLIANCE LOAN

13.00%

13.50%

-

13.50%

6

GOLD LOAN

9.00%

9.00%

-

9.00%

7

TOUR LOAN

13.00%

13.50%

-

13.50%

8

PERSONAL LOAN AGAINST PROPERTY (PLAP)

                        Up to Rs.25.00 Lacs

12.00%

12.50%

1.00%

11.50%

                        Above Rs.25.00 Lacs

13.00%

13.50%

-

13.50%

9

PERSONAL LOAN (Unsecured Loan)

16.00%

16.00%

-

16.00%

B

BUSINESS LOAN

 

Up to Rs.25.00 Lacs

1

Term Loan

10.00%

10.50%

1.00%

9.50%

2

Working Capital Loan

10.00%

10.50%

1.00%

9.50%

3

Business Loan Against Property (BLAP)

12.00%

12.50%

1.00%

11.50%

 

Above Rs.25.00 Lacs

1

Term Loan

12.00%

12.50%

-

12.50%

2

Working Capital Loan

12.00%

12.50%

-

12.50%

3

Business Loan Against Property (BLAP)

13.00%

13.50%

-

13.50%

4

Unsecured Loan for Professional

                        Professional Term Loan

12.00%

12.50%

-

12.50%

                        Professional Overdraft

12.00%

12.50%

-

12.50%

5

Temporary Overdraft (TOD)                        (CC/SOD)

Rate +2%

Rate +2%

-

Rate + 2%

6

Micro Finance : SHG, JLG

12.00%

12.50%

-

12.50%

C

Loan for Grain & Other Agri. Goods Merchant

1

Pledge Loan against Warehouse receipts

(Latur & M.Y.Sangli Branch)

11.00%

11.50%

-

11.50%

2

Pledge Loan against Cashew

(Ajara, Gadhingaj, Gargoti branch)

11.50%

12.00%

-

12.00%

3

Pledge Loan against Single Cold storage / Warehouse Receipt (Latur & M.Y.Sangli Branch)

12.00%

12.50%

-

12.50%

4

Secured Overdraft (SOD for commission agent)

12.00%

12.50%

-

12.50%

D

AGRICULTURAL LOAN

1

Crop Loan, Agri. Cash Credit

10.00%

10.50%

-

10.50%

2

Agri. Investment

10.00%

10.50%

-

10.50%

3

Agri. Allied

10.00%

10.50%

-

10.50%

E

OTHER LOANS

1

Other Secured Loan

11.00%

11.50%

-

11.50%

2

Loan against Fixed Deposit

Loan Up to Rs.300 Lac

FD Int Rate

+ 1.00%

+ 1.00%

-

+1.00%

Loan More Than Rs.300 Lac Tors.500 Lac

+ 0.75%

+ 0.75%

-

+ 0.75%

Loan Above Rs.500 Lac

+ 0.50%

+ 0.50%

-

+ 0.50%

If FDR is more than one then FDR of highest int. rate should be consider

3

Cheque, DD purchase

16.00%

16.00%

-

16.00%

 

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