Parameters

BOB's Offering
Bank of Baroda

SBI

Name of the Product

Key Features
Eligible amount
Salaried Persons

40 to 60 times of NMI subject

GMI > 50000 : 48 times of GMI to repaying capacity as % of
GMI 50000 & above but <1 lac: NMI, Up to 2 lac -40%, 2-5 lac
54 times of GMI, GMI 1 lac &
50%, > 5lac -55%
above :60 times of GMI
(Average of last 3 months GMI)

Margin

Others:
GAI < 2lacs :4 times of GAI
GAI 2lacs & above :6 times of
GAI (average of last 2 years)
Loans up to Rs 30 lacs -10%

Up to 75 lac - Min 20%

Loans > Rs 30 lacs, up to Rs

Max. LTV ratio - 80%
75 lacs: 20%, Loans > 75 lacs >75 lac - Min. 25%
25% LTV ratio - 75%

Rate of
Interest

9.65% EMI Rs.942 per lac

irrespective of tenure and
amount
MCLR rates 9.00%-9.45%
ROI based on CIBIL bureau
score.

For Women
9.30% EMI Rs. 919 per lac
For others 9.35% EMI 922/MCLR rates-- 9.10%

Repayment

Maximum-30 years
Moratorium-Max.36 months

Other
conditions

Age - Min. 21 yrs, Max.70 yrs

sub to availability of sufficient
regular & continuous income
for servicing the loan.
Age of house/flat
not to exceed 25 yrs, If for
plot, Construction may be
made within 3 yrs. Free
personal accident
insurance, Life cover is
also provided (Optional) one time premium amt.
may also be financed.
Processing charges**
Up to 50 lac -0.50% of loan
amount Min.`7500 Max.12500/Above 50 lac - 0.25% of loan
amount, Min. 7500/-(Upfront)
Max. 20000/Prepayment charges- Nil

Max. 25 yrs or maximum age

of borrower 70 yrs, whichever
is earlier
Age 18 years, Max. 70 years
(Loan be fully repaid by this)
subject to availability of
sufficient regular & continuous
income for servicing the loan.

Service & Service

charges

Processing charges
0.35% for every lacs+ST or
Rs. 10000/- whichever is less.
Min. 2000/-

Prepayment charges: Nil

** during campaign period

(8.8.16 to 10.10.16) - 100%
waiver of processing charges
& 0.25% concession in ROI.

Compiled by:

B RATE = 9.60% (01.7.16)

BPLR = 13.90% (05.10.15)

B. Rate = 9.30% (5.10.15)

BPLR = 14.60% (13.4.15)

BOI

max-500 lacs
salaried-4imes of NAI
self employed-4times of NAI
Individual-45% of monthly salary
Dr-6 times of GAI
CA-5 times of GAI
For repair/renovation - max. 50 lac

20%

PNB

For construction/purchase
of house/flat: 75% of cost
of construction/purchase.
For repair/renovation/addition/alterataion - 75% of

AXIS
Home Loans

Private Sector Banks

ICICI

Min.1 lac, Max.-50 lac

Amt depends on repaying capacity

Max. 80% of project

based on repayment capacity

wfich will be decided by
income, age, qualification,
No. of dependents, spouse
income, asset liability,
stability, continuity of
occupation, service history etc
up to 85% of cost of property

20% for Home loan,

20%

20%

estimated cost subject

to maximum 20 lac. For
purchase of land/plot - max
20 lac. For furnishing- max
2 lac
25%

HDFC

(Residents)

25% for Home improvement loan.

up to 75 lac-9.70% EMI 945/-perlac

> 75 lac 9.95% EMI 961/MCLR Rates 9.25%-9.60%

9.40%- EMI Rs. 867

MCLR rates - Not available

Max. 20 year

9.40% - 11.10%
EMI 926/- - 1030/MCL$R Rates- 9.10% - 9.65%

Max. 25 yrs or before the

borrower attains age of 65
yrs. For repair/renovation
Age - Max. 70 years
max. 10 yrs
Free personal accident insurance Life insurance cover is also
Life Insurance cover is also available available on payment of
on payment of premium that can
one time premium which
also be financed
can also be financed by
In sanctioned projects cost of
bank
Parking, swimming pool, club
membership, maintenance of
garden etc may also be included
in cost of flat.
Finance for 2nd house also

All Top up loans - 11.75%

should not exceed 25 yrs
reconstruction-10 yrs
pre allotment-1.5 yrs
Age: Min 24 yrs max.
60 yrs or superannuation
which ever is earlier for
salaried. In case of SE
& professionals max.

Processing*: Up to 75 lac - Nil

0.25% of loan amt. Min. 1000/- Max.
20000/-

Processing-Nil. Up front fee

- 0.50% of loan amt., Max.
` 20000 (for loans up to3 Cr
> 3 crore- 90% of loan amount.
Documentation
charges - 1350 +ST & EC
Pre-payment charges -in
case repaid from own
sources - Nil, in other cases
2% of principle amount

B RATE = 9.70% (05.10.15)

BPLR = 14.75%(01.05.12)

B RATE =9.60%.(01.10.15)
BPLR = 14.00% (01.05.12)

Processing: 1% of loan amt.

Min.10000/-+ST.
Pre-clossure: Nil
Charges of late payment
of EMI -500/- + taxes
per cheque bounce and
a penal interest@ 24%
p.a.i.e 2% per month on
overdue instalments.
charges for changing
option (Fixed/Floating)
Min. 5000/- or 1% of
outstanding which ever
is higher.
BASE RATE =9.50%(5.10.15)
BPLR = 17.70% (8.4.15)

Up to 5 crore
9.40% (for women) EMI 926/- per
lac, 9.45% for others EMI 929/MCLR Rates- 8.95% -9.35%
Above 5 crore
9.65 (for women) EMI 942
9.70 (for others) EMI 945
Up to 20 years or up to
age of 65% whichever is
earlier
min age-25 yrs, coborrower-18yrs
max-65 yrs or age of retirement
must be employed or
self employed

9.40% for women & 9.45% for others

EMI 926 & 929 resp.
MCLR Rates: 8.95% - 935%

max-20 yrs or age of 65

whichever is earlier
Not avilable

0.50% of loan amount upto 1 crore

Processing charges: 0.5% of loan

amount.+ST Max 10000+ST(14.50%)
No Pre-payment charges for partial
or full repayment irrespective of source
No penalty otherwise 2% of OutCharges forchanging option- 1.75% standing amt.
of principle outsting. Chq.
swap charges - 500/-Chq
bounce charges - 200/Amortisation schedule 100/- per schedule.
Late payment charges- 2%
Pre-payment charges:Nil

B RATE =9.35% (5.10.15)

BPLR = 18.75.% (23.08.13)

BASE RATE = 09.35%(1.9.15)

BPLR = 9.25%(07.09.15)

Bank of Baroda

SBI

Public Sector Banks

BOI

PNB

Name of the Product

Key Features
ELIGIBLE AMOUNT

MARGIN

Salaried:
GMI < 50000/- 24 times of GMI
GMI > 50000/- < 1.50 lacs - 30 times
of GMI, GMI 1.50 lacs & above -36
times of GMI (Average of last 3 m)
Others:
4 times of GAI (average of 2 years)
Based on segment of car & Income
level - 5% to 25% On Road price
i.e Cost of vehicle +Registration +
Insurance excluding cost of
accessories.

Car Loan - -4 times

of Net Annual Income
Max. 5 lacs (Eazy Car
loan scheme) & >5 lac
(Advntage car loan sc.)

New vehicle - 15%

on Road price

24 times of GMI (Salaried)

or 2times of GAI (Average
of 3years) subject to max.
Individual - 25 lac(for Indian
make vehicle), 75 lac (for
imported vehicle) Compa
nies - 100 lacs NRI - 25 lacs
Individual & New vehicle
15% on Cost price
(exclusive of Reg.& Ins.)

AXIS
Auto Loans

Private Sector Banks

ICICI

25times of Net Monthly Inc. or

25 lac whichever is lower
for Business concerns
(Corportate/Noncorporate)
No upper ceiling

Minimum- 1 lac
30 times of average net
Salary (For salaried P)
3 times of AQB in last
2 quarters

New Car - Min. 90% of

exshowroom price

New vehicle - 15%

Old vehicle - 30%
of cost of vehicle excluding
Tax,Registration & Insurance

10% on Cost price

price (Exclusive of
Reg. & Ins.)

10% on cost price

(Exclusing Registration &
insurance)

New Car - 9.60% - 9.95%

EMI - Rs.2105 - 2122
Used Car - 16.50% - 18%

For New Car - 9.40%

to 11.50%
EMI - Rs 2095 - Rs.2458
0.5% rebate on
Category "B" Cars
Used Car- 15.5%

New Car loan 9.35% - 14.74%

EMI- Rs.2093 - Rs. 2365

2nd hand vehicle - 30%

RATE OF INTEREST

9.65% irrespective of tenor of loan

Concession of 25 bps to
existing Home loan borrowers
with good record of repayment
0.50% rebaite in ROI if liquid
security (FDR/NSC) of 50% or
more is offered. Provided effective
ROI is not below the BR i.e. 9.65%
ROI based on CIBIL Bureau score.

For New Car - 9.65% (for

Women) 9.70%(Others)
For Used Car -13.15%

New vehicle - 10.15%

EMI - Rs.2132
Used car - 11.20%
(up to 3 yrs.)

Used car 15.50.%

TW - 1 year MCLR+Strategic Pr+4%

REPAYMENT

Maximum - 84 EMI

Other:
Age- Applicant: Min 21 years Max.
Retirement age (Salaried)
and 65 years (Others)
Co-applicant - 18 years

PROCESSING &
SERVICE
CHARGES

OTHER

Processing charges**
0.50% Min.2500, maximum 10000/Prepayment charges-Nil
Application can be made
on line.
** during campaign period
(8.8.16 to 10.10.16) - 100%
waiver of processing charges
& 0.25% concession in ROI.
Base Rate=9.60% (1.7.2016)
BPLR = 13.90% (5.10.2015)

Salaried - 84 months
SE & Prof. - 60months
Age of 2nd hand vehicle
not more than 5 years
Old vehicle-Repament 84 months from date of
original purchase of vehi.
Age - 21 - 65 years
NAI - 1 lac & above
Pre-payment charges 2% on loan amt.prepaid

5 - 7 yrs (Indian/Imported veh.)

2nd hand - Max. 3 years
Age of 2nd hand vehicle
not to exceed 3 years
Rural area borrowers - processing charges -50% that of
applicable to individuals
Age -not to exceed 65 yrs
Addition charges for deviat
ion - one time 25% of applicable processing charges
Min.500/- Max. 3000/-

New vehicle - 84 EMI

Old vehicle - 60 EMI
Pre-payment charges-NIL

1-5years

1-5yrs

Minimum income -1-2 lac

p.a. as per salary slip/
latest ITR, as per category
of car. Employment 2 yrs
(salaried)/3yrs(Business)
Age -Min.-21yrs, Maxi. on
loan matuity (salaried)-58/
65 yrs. (Self employed)

unexpired period of loan

Age -Min.-25, Maxi. on
loan matuity (salaried)-58/
65 yrs. (Self employed)
Minimum employment
>2 yrs or business stability

Processing charges
500/- + ST

Processing charges
For Individuals-Rs 500 per app
For corporates-1% of loan amt
Min.500/- Max. 10000/For Rural-75% of Individual

Documentation charges
1% of loan amount, Max.
6000/-

Processing charges
3500/- - 5500/-for new
2500/- - 5000/- for old
Prepayment charges 5-10% on principal amount
prepaid.

Free accident insurance

Prepayment charges -Nil

Processing charges 2500-5000, for new car

2% of loan amt or 6000
whichever is less.-used
Documation charges-350/Pre-payment-5 % of outstanding amount. Or
interest outstnding for
unexpired period of loan
whichever is less.
B RATE= 9.35%(5.10.15)
BPLR =18.50%(23.04.12)

B RATE =9.30%(5.10.15)
B RATE = 09.70% (5.10.15)
B RATE = 9.60%(1.10.15)
BRATE =09.50%(8.4.15)
Compiled by
BPLR = 14.60%(13.4.15)
BPLR = 14.75%(1.5..12)
BPLR = 14.00%(01.05.12)
BPLR = 17.70%(8.4.15)
Dr. S.M.Mathur, CM, RO, Bha Disclaimer: Please note that the interest rates & other details are based on market research through website of service providers. Users however, advised to to recheck the same with individual Bank.

Up dated up to 31.8.16

Disclaimer: Please note that the interest rates & other details are based on market research through website of service providers. Users however, advised to to recheck the same with individual Bank.

vate Sector Banks

HDFC

New Car -75-100%depending

on the size
old-80%of value of the car
No Maximum.

15% of cost, excluding Tax,

Registration./Insurance

Retail - New car 9.35% - 13.70%

EMI- Rs.2093 - Rs. 2314
Used car - 12.50% - 14.25% -

New car - 12-84 months

old-max 48 months
Pre-pyment chargs-3% of
principat amount pre-paid
Age -Min.-21, Maxi. on
loan matuity (salaried)-58/
65 yrs. (Self employed)
Minimum employment
2 yrs or business stability
at least 3 years
Minimum AI - 1 lac(salaried)/
Net profit 60000 for standard
car/1 lac for mid sized car.
Processing charges:
upto2.50 lac Rs.3220/- >2.50 lac
Rs. 4390 - 5870

Car loan amt varies based on car

model. Up to 100%financing for
pre-approved customers.
B RATE =9.35% (1.9.15)
RPLR = 9..25%(7.09.15)

same with individual Bank.

Parameters

BOB's Offering

Bank of Baroda
Name of the Product
Key Features
Eligible amountFor studies in India -

What our Competitors Offer

SBI

Public Sector Banks

BOI

PNB

AXIS
Education Loans

Private Sector Banks

ICICI

HDFC

For studies in India For studies in India For studies in India For studies in India Need based finance. Sub. To For studies in India Max. `10 lacs,
Max. `10 lacs,
Max. 10 lac, for studies
Max. 10 lac, for studies
Max. 10 lac, for studies
For studies in India Max. 10 lac, for studies
For Studies abroad (Scholar) For Studies abroad
abroad - Max. 20 lac
abroad - Max. 20 lac
abroad - Max. 20 lac
Max. 10 lac, for studies
abroad - Max. 20 lac
Max. `60 lac for List A&B
Max. ` 30 lac
Minimum amount of
abroad - Max. 20 lac
Co-borrower is required.
institutes, 40 lac for other Inst
loan would be 50000/Margin
For loans up to `4 lac -Nil
For loans up to 4 lac -Nil
For loans up to 4 lac -Nil For loans up to 4 lac -Nil
For loans up to 4 lac -Nil
Up to 4 lac: Nil, > 4 lacs
for studies in India -5%
> `4 lacs : for studies in
>`4 lacs : for studies in
> 4 lacs : for studies in
> 4 lacs : for studies in
> 4 lacs : for studies in
Sudies in indial 5%
for studies Abroad - 15%
india - 5%, Scholer loan: for india - 5%, for studies
india - 5%, for studies
india - 5%, for studies
india - 5%, for studies
Studies abroad 15%
Special - Cradila scheme
insti.in list A&B -Nil,Other10% abroad - 15% **
abroad - 15%
abroad - 15%
abroad - 15%
Rate of
Loans up to ` 7.50 lac & for Loans upto `4 lac -11.30%
Upto 7.5 lac- 3% above
Up to 4 lac -12.75%
Up to 4 lac MCLR (9.45%)+ Base Rate+applicable margin Competitive. Min. 10.50%
Interest
> `4lac & up to `7.50 Lac other Institutes.B R +2.50%
BR i.e. 12.95%
> 4 lac - 7.50 lac = 13.75%
Mark up (7.05%) = 16.5%
as decided by Bank.
Cadila Scheme- CBLR+Spread
For list A&B institutes- BR+1% 11.30%, > `7.5 lac - 11.00%** >7.5 lac - 2.5% above
> 7.50 lac = 13.25%
>4 lac-upto 7.5 lac - MCLR
0.5%concession for
i.e. 12.35% + spread at preset
concessions 0.5% to girl stu. BR i.e.12.45% **
+ 8.05% = 17.50%, > 7.5 lac girl student
>7.50 lacBR+1.75%,i.e11.40%
0.5% concess for girl student. 1% for regular intt servicing.
MCLR+6.05% = 15.50%**
Penal interest @2%
Repayment
5 - 7 years
1 - 15 years
5-7 years
5 - 7 years
Max. -7 years
5 - 7 years
84 months
Repayment will commence
Repayment will commence
Repayment will commence Repayment will commence
moratorium 18 months
Repayment will commence
one year after completion
one year after completion
one year after completion one year after completion
Course period + 6 months
one year after completion
of course or 6 months after
of course or 6 months after
of course or 6 months after of course or 6 months after
of course or 6 months after
getting job whichever is
getting job whichever is
getting job whichever is
getting job whichever is
getting job whichever is
earlier.
earlier.
earlier.
earlier.
earlier.
Other
all expenses covered incall expenses covered incAll expenses covered inc Reimbursement of related
Parent/Guardian of
All expenses covered inc
No prepayment charges up to
conditions
luding purchase of compuluding purchase of compuluding purchase of compu- expenses alrady incurred
student would be treated
luding purchase of compu6 months, after that - up to
ter if considered necessary
ter if considered necessary
ter if considered necessary by way of loan taken from
as co-applicant
ter if considered necessary
4% of principal amount O/S
for completion of course &
for completion of course &
for completion of course . own source, if claimed with
Assignment of LIC
for completion of course .
Charges for late late payment
Travel Expenses/passage
cost of Two wheeler up
No security up to 4 lac
in 3 months of such paypolicy in favour of bank
Security: Up to Rs. 4 lac - Co- at the rate of 24% on amount
to ` 50000/-, Travel
money for studies abroad
> 4 lac - 7.5 lac - 3rd party ment and before consideNo penalty for early
obligation of parents. > 4 lacs outstanding on the date of
No security - up to 4 lac
Expenses/Passage money
guarantee, > 7.5 lac ration of loan by bank.
clouser
up to 7.5 lacs - obligation of
default.
Life cover (Optional)
for studies abroad
colletral security.
Second time education loan
Processing - Nil
parents + third party guarantee Cheque sweeeping charges
on payment of one
No security - up to 4 lac
** 0.50% concession to
can be sanctioned to same
Application may be made
> 7.5 lacs - obligation of pare 500/- per event
time premium and amount
** SBI Scholar scheme
girl student up to limit
student for completion of
online
nts+collatral security of 100% Rescheduling charges of premium may also be
Special ROI for students
50000 & 1% if limit is
next higher course.
up to Rs. 1000
**0.5% concession to girl . value of loan, Assignment of
financed by bank
securing admission in IITs
> 50000/-.1% concesson Penal @2% for above 4 lac for
stuent on above ROI.
future income of student.
Cheque bounce charges Spl. EL for students of
NITs AIIMS & other reputed
if interest serviced regular. overdue amount for overdue
Rs. 450 per bouncing
APFT Institute.
institutions (List AA, A,B, C)
For Professional courses period. 1% concession for
Application may be made
Spl. EL for students secured SBI Skill loan scheme &
intt. Concess. 0.5% to 1% regular servicing of interest.
online
admission to Premier Institutes Vocational/trg. 13.20% p.a.
Service & Service c No processing & documenRepayment will commence
No Processing fee for
No upfront fee for study in
500/-+tax - per cheq.
Processing charges: Nil
Processing fee - 2 % of
tation charges however @
front charges. For studies
studies in India, for
India, For studies abroad
bounce., Penal intt.
loan amount.
1% upfront fee recovered
abroad deposit of Rs5000/Abroad -up to 4 lac - 500/- 0.5% with max. Rs5000/.@ 24% p.a i.e.2%
which shall be refunded if
which will be adjusted in
4-7.5 lac - 1000/(refundable on availment of
pm on overdue
loan is disbursed.(Max10000) margin.
7.5 - 20 lac - 2000/loan.) Documentation charinstalments
Other
EL for vocational short term
Rural area-charges NIL
ges: Up to 4 lac -Rs 300/courses also availale now.
> 4 lac - 500/- +ST & EC
B RATE = 9.60%(1.7.16)
B RATE =9.30%(5.10.15)
B RATE=09.70%(5.10.15) B RATE =9.60%(1.10.15)
B RATE=09.50%(05.10.15) B RATE = 9.35%(5.10.15)
B RATE =9.35%(1.9.15)
Compiled by
BPLR = 13.90%(05.10.15)
BPLR = 14.60%(13.4.15)
BPLR = 14.75%( " )
BPLR = 14.00%(1.05.11`)
BPLR = 17.70%(8.4.15)
BPLR =18.50%(23.4.12)
RPLR =9.25%(7.09.15)
Dr.S.M.Mathur, CM, R.O. Bharatpur
Disclaimer: Please note that the interest rates & other details are based on market research through website of service providers. Users however, advised to recheck the same with
Up dated up to 31.8.16
individual Bank.

Loan against Property

(Mortgage Loan)

Bank

Up to 30 lacs

Rate of Interest
30 - 75 lacs

Up dated up to 31.8.2016

75 lac & above

Processing Fee

Bank of Baroda

12.90%

12.90%

12.90%

1%+ ST

SBI

10.75%

10.75%

10.75%-11.75%

2%+ ST

BOI

11.70%

11.70%

11 . 70%

1% of loan amt
Max. 50000/-

HDFC

11.30% - 12.80%

11.30% - 12.80%

11.30% - 12.80%

1% + ST

ICICI

NA

N.A.

1% + ST

AXIS

11.60%- 13.35%

11.60%- 13.35%

11.60%- 13.35%

1% + ST

IDBI

11.50%

11.50%

11.50%

10000+ ST

N.

A.

Up dated by Dr. S.M.Mathur, CM, RO, Bharatpur

Personal Loan
Rate of Interest

Updated up to 31.8.2016

Salaried
Banks

Category A

EMI per lac (4 yrs)

Catgory B

SBI - SBI Saral

12.6%-13.10%

Rs.2663- Rs.2688

13.6% - 14.10%

BOB

14.75%

Rs. 2,770

14.75%

BOI

15.00%

Rs. 2,783

15.00%

Rs. 2,783

15.00%

Canara Bank

14.95%

Rs. 2,781

14.95%

Rs. 2,781

14.95%

Indian Bank

13.70% - 14.20%

Rs 2718 - Rs 2743

13.70% - 14.20%

Rs 2718 - Rs 2743

14.20%

AXIS

15%-16%

Rs 2783 - Rs 2834

17%

Rs 2886

19% - 20%

Andhra Bank

15.75%- 16.75%

Rs.2871 - Rs 2873

16.75% - 18.75%

Rs.2873 - Rs 2977

ICICI

HDFC

EMI per Lac

Others
EMI per Lac
(4 years)
Rs. 2713 - Rs.2738
14.60%-15.10%
Rs. 2,763
Processing 1.01% of loan amt.
Rs. 2,770
Processing Rs. 250 - 1000/Rs. 2,783
Processing 2%
Rs. 2,781
Processing 0.25%
Rs 2743
Rs 2990 - Rs 3043
Processing 2%

Rs. 250 - Rs 1000

As per Salaray Slabs As per Salaray Slabs As per Salaray Slabs As per Salaray Slabs As per Salaray Slabs As per Salaray Slabs
11.49% - 17%
Rs 2608 - Rs 2886
11.49% - 17.50%
Rs.2668 - Rs 2911
11.49% - 17.50%
Rs.2668 - Rs 2911
Processing 1.50% - 2.25%%
As per Salaray Slabs As per Salaray Slabs As per Salaray Slabs As per Salaray Slabs As per Salaray Slabs As per Salaray Slabs
11.49% - 17.85%
Rs.2608 - Rs 2930
11.49% - 17.85%
Rs.2608 - Rs 2930
19.50
Rs. 3,016
Spl. Rates fo Loan amt b/w 10lac-20lac
Spl. Rates fo Loan amt b/w 10lac-20lac
Processing 2%
11.49%-12.99%
Rs 2608 - Rs 2682
11.99%-13.75%
Rs 2633 - Rs 2720

Up dated by Dr. S.M.Mathur, CM,RO,Bharatpur