|
|
S.No.
|
Scheme
|
Base Rate %
(a)
|
Spread %
(b)
|
Effective Rate %
(a+b)=(c)
|
Processing Charges
|
|
|
1.
|
Cent Home Loan Scheme
|
|
|
|
0.50 % of loan amount, maximum Rs.20,000/-
|
|
|
i) upto Rs.30 lakh
|
10.25
|
+ 0
|
10.25
|
|
|
ii) above Rs.30 lakh & < Rs.75 lakh
|
10.25
|
+ 0
|
10.25
|
|
|
iii) Rs.75 lakh & above
|
10.25
|
+ 0.25
|
10.50
|
|
|
2.
|
Cent Home Loan Plus - Rate of Interest as applicable to Bank's Existing Housing Loan Scheme in case of renovation.
The rate of interest will be 1% more than the rate of existing housing loan in case of refurbishment , buying of furniture, television, home theater etc.
|
|
Rs.500/- per proposal
|
|
|
3.
|
Special Housing Loan Scheme Employees of Central / State Governments & PSUs of Central Government Cent Home Loan Scheme.
|
|
0.50 % of loan amount, maximum Rs.20,000/-
|
|
|
i) upto Rs.75 lakh
|
10.25
|
+ 0
|
10.25
|
|
|
|
ii) Rs.75 lakh & above
|
10.25
|
+ 0.25
|
10.50
|
|
|
|
|
Processing Fee is waived in the cases where the employees are maintaining salary account with our Bank.
Processing Fee is also waived in cases where the salary disbursement account is with other Banks as per the arrangement of Central Government Department, provided the borrower government employee gives standing instruction to the concerned Bank to transfer the entire salary credit to his savings account with our Bank.
|
|
|
4.
|
Cent Home -CRGFTLIH
(For Low Income Group with Guarantee Cover)
|
10.25
|
0.10
|
10.35
|
No Processing Charges
|
|
|
5.
|
Loan to Pensioner
|
10.25
|
+ 2.00
|
12.25
|
No Processing Charges
|
|
|
6.
|
Cent Swabhimaan
|
10.25
|
+ 2.00
|
12.25
|
0.15% of loan amt, min. Rs. 500/- and max. Rs.10,000/-
|
|
|
7.
|
Cent Swabhimaan Plus
|
10.25
|
+ 1.50
|
11.75
|
0.15% of loan amt, min. Rs. 500/- and max. Rs.10,000/-
|
|
|
8.
|
Personal Loan to Corporate Employees
|
10.25
|
+ 3.50
|
13.75
|
Rs.500/- per proposal
|
|
|
9.
|
Personal Loan to Non Corporate Employees
|
10.25
|
+ 4.50
|
14.75
|
Rs.500/- per proposal
|
|
|
10.
|
Loan to Teachers
|
10.25
|
+ 2.75
|
13.00
|
Rs.500/- per proposal
|
|
|
11.
|
Loan to LIC Agents
|
10.25
|
+ 4.00
|
14.25
|
Rs.250/- per proposal
|
|
|
|
|
|
|
|
|
|
|
12.
|
Cent Vehicle
|
|
|
|
|
|
|
a) Two Wheeler (New only)
|
10.25
|
+ 1.00
|
11.25
|
Rs.500/- per proposal for 2 wheeler
Rs.2000/- per proposal for 4 wheeler
|
|
|
b) Four Wheeler - New vehicles
|
10.25
|
+ 0.50
|
10.75
|
|
|
c) Four Wheeler (Second hand/old)
|
10.25
|
+ 1.50
|
11.75
|
|
|
Cent Vehicle- TATA Vehicle:
|
10.25
|
+ 0.50
|
10.75
|
Rs.2000/- per proposal for 4 wheeler
|
|
|
|
|
|
|
|
|
|
|
13.
|
Cent Vidyarthi - Studies In India / Abroad
|
10.25
|
+ 2.00
|
12.25
|
No Processing Charges
|
|
|
Female / SC/ST/ IIT/IIM Students
|
10.25
|
+ 1.50
|
11.75
|
|
|
14.
|
Special Edn Loan Scheme for IIM Students
|
10.25
|
+0.50
|
10.75
|
No Processing Charges
|
|
|
Students without joint borrower
|
10.25
|
+0.50
|
10.75
|
|
|
Students with joint borrower
|
10.25
|
+0
|
10.25
|
|
|
Female, SC,ST, Minority Community Students
|
10.25
|
+0
|
10.25
|
|
|
15.
|
Executive MBA
|
|
|
|
No Processing Charges
|
|
|
Students of IIMs (Male)
|
10.25
|
0.50
|
10.75
|
|
|
Students of IIMs(Female/SC/ST/MC)
|
10.25
|
0
|
10.25
|
|
|
Students of Other Institutions
|
10.25
|
1.25
|
11.50
|
|
|
16.
|
Cent Trade
|
10.25
|
+ 3.00
|
13.25
|
|
|
|
Up to Rs.25,000 Rs.100/- per proposal
>Rs.25,000 up to Rs.2 lakh Rs.300/- per proposal.
>Rs.2 lakh upto Rs.500 lakh 0.50 % of limit amt, maximum
Rs.50,000/-for TL & Rs.20,000/-
for OD at the time of sanction.
Renewal charges 0.10 % of limit, max.Rs.5000/-.
|
|
|
17.
|
Cent Rental (w.e.f. 15.02.2013)
|
|
|
|
1% of the loan amount subject to min. of Rs.5,000/- and max. of Rs.2.00 lakh.
|
|
|
i) Loan upto 3 years
|
10.25
|
+ 3.00
|
13.25
|
|
|
ii) Loan above 3 years
|
10.25
|
+ 3.50
|
13.75
|
|
|
18.
|
Cent Computer
|
10.25
|
+ 5.00
|
15.25
|
Rs.100/- per proposal
|
|
|
19.
|
Cent Liquid
|
10.25
|
+ 4.00
|
14.25
|
1% of loan amt, min. Rs. 500/-
|
|
|
20.
|
Cent School
|
10.25
|
+ 3.00
|
13.25
|
No Processing Charges
|
|
|
21.
|
Cent Suvidha
|
10.25
|
+ 4.00
|
14.25
|
No Processing Charges
|
|
22.
|
Cent Doctor
|
|
|
|
0.5% of loan amount Maximum Rs.10,000/-
|
|
i) For equipments/working capital
|
10.25
|
+ 2.25
|
12.50
|
|
|
|
|
|
|
ii) For construction of clinic
|
10.25
|
+ 2.50
|
12.75
|
|
S.No.
|
Scheme
|
Base Rate %
(a)
|
Spread %
(b)
|
Effective Rate %
(a+b)=(c)
|
Processing Charges
|
|
23.
|
Cent Dentist(New Dentists)
Upto Rs.10 lakh
|
|
|
|
0.5% of loan amount Maximum Rs.2,000/-
|
|
i) For equipments/working capital
|
10.25
|
+ 0.50
|
10.75
|
|
ii) For construction of clinic
|
10.25
|
+ 0.50
|
10.75
|
|
Cent Dentist(Other Dentists)
|
|
|
|
0.5% of loan amount Maximum Rs.5,000/-
|
|
i) For equipments/working capital
|
10.25
|
+ 1.75
|
12.00
|
|
ii) For construction of clinic
|
10.25
|
+ 2.00
|
12.25
|
|
24.
|
Cent Mortgage
|
10.25
|
+ 3.50
|
13.75
|
TL: 0.50 % of loan amt., maximum Rs.20,000/-Overdraft : 0.50 % of loan amt., maximum Rs.10,000/- on sanction & maximum Rs.2000/- per renewal.
|
|
25.
|
Cent Mortgage-Educational Institute
|
10.25
|
+3.50
|
13.75
|
0.50% of loan maximum Rs.20,000/- for TL and Rs.10,000/- for OD on sanction.
OD renewal charges 0.50% of loan maximum Rs.2,000/-.
|
|
26.
|
Cent Personal Gold Loan
|
|
|
|
0.5% of the loan amount plus applicable Appraiser Fee.
|
|
Overdraft
|
10.25
|
+2.00
|
12.25
|
|
Demand Loan
|
10.25
|
+1.00
|
11.25
|
|
27.
|
Cent Comp-Exam
|
|
|
|
Rs.200/- per proposal
|
|
i) Male
|
10.25
|
+4.00
|
14.25
|
|
ii) Female/SC/ST/Minorities
|
10.25
|
+3.50
|
13.75
|
|
28.
|
Cent Ratna
(Concession of 0.50% to the borrower maintaining and operating Salary Account with the Bank's Branch.)
|
10.25
|
+3.50
|
13.75
|
Rs.1000/- per proposal
|
|
29.
|
Cent Sahyog- Upto Rs.10 lakh
|
10.25
|
+0.50
|
10.75
|
|
|
>Rs.10 lakh upto Rs.100 lakh
|
10.25
|
+1.00
|
11.25
|
|
|
Up to Rs.50,000 Rs.100/- per proposal
>Rs.50,000 up to Rs.5 lakh Rs.1000/- per proposal.
>Rs.5 lakh upto Rs.100 lakh 0.50 % of limit amt, maximum
Rs.25,000/--
Renewal charges 0.10 % of limit, max.Rs.15000/-
|