Syndicate Bank HO:Manipal CO:Bangalore
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1 Syndicate Bank HO:Manipal CO:Bangalore RATE OF INTEREST ON ADVANCES Prime Lending Rate () w.e.f %* (*subject to change from time to time, valid for loans and advances sanctioned upto 0/0/00) Applicable for loans and advances sanctioned upto 0 th June 00. A. STANDARD TABLE SHOWING FLOATING INTEREST RATES (MONTHLY COMPOUNDING) ON ADVANCES (OTHER THAN EXPORT CREDIT AND AGRICULTURE) LINKED TO. B. MAXIMUM RATE OF INTEREST PAYABLE ON DEFAULTED LOANS (PENAL RATE) IS % p.a OVER AND ABOVE THE APPLICABLE RATE. Agriculture (i) Combined harvester, two, three, four wheeler, Tractor loans Upto Rs.0000/- minus.0% Above Rs.0000/- and upto Rs..0 lakhs minus.00% Above Rs..0 lakhs minus.00% Note: For loans released before..00, interest rate as per (iii) shall be charged (ii) Advances to Farmers Service Co-operative Societies : Upto Rs.0000/- minus 4.00% Above Rs.0000/- upto Rs. lakhs minus.0% Above Rs. lakhs minus.0% (iii) All other agriculture advances: Upto Rs.0000/- minus.0% Above Rs.0000/- upto Rs. lakhs minus.00% Above Rs. lacs Spread to be added to Credit Rating of 7 & 4 BELOW a. Term loans b. Short TL / Working Capital Updated.0. Page of
2 Micro / Small Enterprises: (Working Capital/Short term advances/term loans) Size of Credit limit Micro Enterprises Small Enterprises (Mfg.Sector) Service (Mfg.Sector) Service Upto Rs.0000/ Above Rs.0000/- up to Rs..00 lakhs Above Rs..00 lakhs: A) MICRO ENTERPRISES Spread to be added to Credit Rating of S YND 4 7& Above Rs. lacs B) SMALL ENTERPRISES Credit Rating of Spread to be added to 4 SYN D 7 & Above Rs. lacs Medium Enterprises: (Working Capital/Short term advances/term loans) Upto Rs. Lakhs 0.0 Spread to be added to Credit Rating of 7 & 4 Above Rs. lacs Finance granted to intermediary agencies for on lending to ultimate beneficiaries and agencies providing input support : Housing Intermediaries Credit Rating of the Spread to be added to 4 7 & Working Capital/Short term advance/term loans Other Intermediaries Spread to be added to Credit Rating of SYN 7 & the Working Capital/Short term advances/term loans D Page of
3 . Advances against third party deposits. Inland Bills upto 80 days of less than Rs lacs backed by LCs of Scheduled Banks 7. LC paid/ BG paid/ DPG installment paid (inclusive of overdue interest of.00%) 8. For delayed period of remittance received in respect of bills under IDBI/SIDBI Bill Re discounting Scheme (including overdue interest of.00%)) +.00% +.00% 9. Housing Loan Scheme under Floating Interest option (SyndNivas, Farm House Loans & Golden Jubilee Rural Housing Finance) For Loan Amount upto Rs. 0 lakhs a. Repayment period upto years minus 4.00% b. Repayment period above years and upto 0 years minus.0% c.repayment period above 0 years and upto 0 years minus.% d. Repayment period above 0 years and upto years minus.00% For Loan Amount above Rs. 0 lakhs and upto Rs.0 lakhs a. Repayment period upto years minus.% b. Repayment period above years and upto 0 years minus.7% c.repayment period above 0 years and upto 0 years minus.0% d. Repayment period above 0 years and upto years minus.% For Loan Amount above Rs. 0 lakhs a. Repayment period upto years minus.7% b. Repayment period above years and upto 0 years minus.% c.repayment period above 0 years and upto 0 years minus.00% d. Repayment period above 0 years and upto years minus.7% 0. SyndNivas Fixed -.0% upto years -.00% above to 0 years. SyndNivas Plus -. SyndVidya (Education Loans) Upto Rs lacs minus.0% Above Rs lacs minus.00% * Girl students and students belonging to SC/ST category are eligible for concession of 0.0% on the above rates * Girl students under SC/ST category are eligible for a further concession of 0.% on the above rates (Total Concession of 0.7%). SyndVidyarthi - Page of
4 4. SyndSwarna A) Jewel Loans/OD i) Upto Rs.0,000/- - minus.00% ii) Rs.0,000/- to Rs. lacs - For Agriculture/SSI - For Others iii) Above Rs. lakhs (applicable for ) For Agriculture/SSI For Others minus.00% +.00% B) Jewel Loans/OD (Others) +.00%. SyndSwarna Express %. Personal Banking Scheme Loans (a) For salaried class (clean) (i) if salary is credited at the Branch Loans / Overdraft +0.% (i) other salaried class Loans / Overdraft +.% (b) For non-salaried class - Secured +.% - Unsecured +.% (c) Loans against NSC, KVP, IVP,SV of LIC policy, RBI Relief bonds Loans Overdrafts (d) For purchase of Vehicles Two and Four Wheelers Loans (e) For purchase of consumer durables Loans (if Salary is credited at the Branch) (f) For Agriculturists (g) Loans to Pigmy Agents Loans (for other salaried class) Loans ( for non-salaried class) + 0.% +.% +.% Secured +.00% Unsecured +.00% Demand Loan +.% Two Vehicle wheeler Loan Four wheeler 7. Synd Mahila - 8. SyndMortgage Against Residential property % Against Commercial property % 9. SyndSenior - Page 4 of
5 0. SyndPigmy - (floating). SyndVyapar Improved scheme -. Synd Rent (irrespective of size of advance) +.00%. All other Non-Priority Sector personal loans/advances % 4. All Others not covered under to above (Like Large Industry, Whole sale/retail Trade/ SyndVyapar, NBFC, Other Real Estate ) (Working Capital/Short term advances/term loans) Up to Rs..00 lacs Credit Rating of the Spread to be added to 4 7 & Above Rs. lakhs NBFC NDSI / CRE Spread to be added to Credit Rating of the 4 7 & Above Rs. lakhs Note: The above rates of interest are subject to change from time to time. Page of
SYNDICATE BANK HO: MANIPAL CO: BANGALORE. Revision in service charges on Loans and Advances (Service Tax to be collected in all cases)
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7.00 6.60 6.60 6.60 6.60 6.60
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