Advances
ANNEXURE
| Sl. No |
Category of Advance |
Rate of Interest p.a. with
monthly rest |
| |
|
Existing
w.e.f. 19.2.2007 |
Revised Rate
w.e.f. 09.04.2007 |
| i |
ii |
iii |
iv |
1. |
For Term Loan/Cash Credit (Non-schematic
and Non-priority) |
| |
a) Limit up to Rs.25000/- |
11.75% |
12.50% |
| |
b) Limit over Rs.25000/- and up to Rs.2.00 lacs. |
12.00% |
12.75% |
| |
c) Limit over Rs.2.00 lacs and upto Rs.25.00 lacs |
13.50% |
14.25% |
| |
d) Limit over Rs.25.00 lacs |
Interest Rate based on Credit Risk Rating of the a/c |
Interest Rate based on Credit Risk Rating of the a/c |
2. Interest rate applicable irrespective of limit
Advance against shares/ debentures (demat form)
| i) |
To individuals |
BPLR i.e 12.50% p.a |
BPLR i.e 13.25% |
| ii) |
To share brokers |
BPLR + 1% i.e. 13.50%p.a |
BPLR + 1% i.e.14.25% |
3. Advance by way of Bill Discounting (not
backed by LC)
| a) |
For limits up to Rs.25000/- |
BPLR - 0.75% i.e. 11.75%p.a |
BPLR - 0.75% i.e. 12.50% |
| b) |
For limits over Rs.25000/- and up to Rs.2.00
lacs |
BPLR - 0.50% i.e. 12.00%p.a |
BPLR - 0.50% i.e. 12.75% |
| c) |
For limits over Rs.2.00 lacs and up to Rs.25.00
lacs |
BPLR i.e. 12.50%p.a |
BPLR- i.e 13.25% |
| d) |
For limits over Rs.25.00 lacs |
As per credit risk rating |
As per credit risk rating |
4. Export Credit
| A) |
Pre-Shipment Credit |
Existing Rate |
Revised Rate * |
| |
|
(Maximum) |
(Minimum) |
(Maximum) |
(Minimum) |
| i) |
(a) Up to 180 days |
9.75% |
8.25% |
10.50% |
9.50% |
| |
(b) Beyond 180 days and up to 270 days |
12.50% |
12.50% |
13.25% |
13.25% |
| ii) |
Against incentive receivable from Government covered by ECGC
Guarantee (upto 90 days) |
9.50% |
9.50% |
10.25% |
10.25% |
| B) |
Post-Shipment Credit |
Existing Rate |
Revised Rate |
| |
|
(Maximum) |
(Minimum) |
(Maximum) |
(Minimum) |
| i) |
Demand Bills for transit period (as specified by FEDAI) |
9.75% |
8.25% |
10.50% |
9.50% |
| ii) |
Usance Bills (for total period comprising usance period as
specified by FEDAI and grace period wherever applicable) |
|
|
|
|
| |
(a) Up to 90 days* |
9.75% |
8.25% |
10.50% |
9.50% |
| |
(b) Beyond 90 days and up to six months from the date of
shipment @ |
10.75% |
8.75% |
11.50% |
9.50% |
| iii) |
Against incentive receivable from Government covered by ECGC
Guarantee (up to 90 days) |
9.50% |
9.50% |
10.25% |
10.25% |
| iv) |
Against undrawn balance |
9.50% |
9.50% |
10.25% |
10.25% |
| v) |
Against Retention Money (for supplies portion only) payable
within one year from the date of shipment) |
9.50% |
9.50% |
10.25% |
10.25% |
* In respect of export credit under Pre-shipment
credit (upto 180 days) and Post -shipment credit (upto 90 days) the aforesaid interest
rates will be charged on the following basis:
Volume of export Business routed through the
Bank (during immediate preceding financial year) |
Export Credit backed by Letter
of Credit |
Export Credit not backed by
Letter of Credit |
|
Existing |
Revised |
Existing |
Revised |
| a) Upto Rs.5 Crores |
9.25% |
10.00% |
9.75% |
10.75% |
| b) Above Rs.5 Crores |
8.25% |
9.00% |
8.75% |
9.75% |
@ In respect of Post shipment credit
(beyond 90 days to 6 months) above interest rates will be charged on the following
basis:
Volume of import Business routed through
the Bank (during immediate preceding financial year) |
Export Credit backed by Letter
of Credit |
Export Credit not backed by
Letter of Credit |
|
Existing |
Revised |
Existing |
Revised |
| a) Upto Rs.5 Crore |
10.25% |
11.00% |
10.75 % |
11.75% |
| b) Above Rs.5 Crores |
9.25% |
10.00% |
9.75% |
10.75% |
Letter of Credit as mentioned in both the
above cases of export business shall be irrevocable LC issued by a bank amongst top 1000
prime banks as circulated by our International Business Division, Head Office from time to
time.
C. Deferred
Credit
| Deferred Credit for the period beyond 180 days |
As per credit risk rating |
As per credit risk rating |
D. Export Credit not otherwise
specified
| i) |
Pre-Shipment Credit |
|
|
| |
a) Beyond 270 days |
3.50% above BPLR |
3.50% above BPLR |
| |
b) Others |
3.50% above BPLR |
3.50% above BPLR |
| ii) |
Post-Shipment Credit |
|
|
| |
(a) Beyond 6 months from the date of shipment |
3.50% above BPLR |
3.50% above BPLR |
| |
(b) Others |
3.50% above BPLR |
3.50% above BPLR |
| 5. |
DRI Advance |
4.00% |
4.00% |
| 6. |
Ad - hoc/
Temporary facilities |
2% over and above normal interest rate applicable for regular
limit/ loan or at any other rate as stipulated by sanctioning
authorities subject to a ceiling of BPLR + 3.50% |
2% over and above normal interest rate applicable for regular
limit/ loan or at any other rate stipulated by sanctioning
authorities subject to a ceiling of BPLR + 3.50% |
7. Advances to SMEs & SSIs
(a) The rate of interest for all
existing and fresh advances to be
made to the SMEs will be as under:
(i) The structure of rate of interest
| Slab |
Existing Rate |
Revised Rate |
| Limit upto Rs.25000/- |
10.25% |
10.25% |
| Limit over Rs. 25000/- and upto
Rs. 50000/- |
10.75% |
11.25% |
| Limit over Rs.50000/- and upto
Rs. 2 lac |
11.75% |
12.25% |
| Limit over Rs. 2 lac & upto Rs. 5
lac |
12.50% |
13.00% |
| Limit over Rs. 5 lac & upto
Rs. 15 lac |
13.00% |
13.50% |
| Limit over Rs. 15 lac & upto
Rs. 25 lac |
13.50% |
14.00% |
| Limit over Rs. 25 lac |
As per Credit Risk
rating |
As per Credit Risk
rating |
(ii) For limits over
Rs.25.00 lacs, the applicable rate is determined by their Risk
Rating within a
band 2% above and below the BPLR . The existing interest structure
vis-a vis the proposed rate
with effect from 01.01.2008 are shown in the following table:
| UBICR 0 |
11.50% |
| UBICR 1 |
12.50% |
| UBICR 2 |
13.75% |
| UBICR 3 |
14.75% |
| UBICR 4 |
15.25% |
| UBICR 5 |
15.25% |
(b) Units rated by accredited Credit
Rating Agencies under Performance & Credit Rating Scheme of NSIC for Small Industries
and enjoying credit limits above Rs.2 lacs will be given further relaxation in the rate of
interest as provided below:
| i |
Highest rating : |
Reduction of interest by
0.50% |
| ii |
2nd highest
rating : |
Reduction of interest by
0.25% |
The rates of interest for the specific SME sector units like Rice
Mill, Cold Storage, etc. will
continue to be fixed in terms of the above quoted Head Office
circular dated 09.04.2007.
(c) Any further relaxation in the rate of
interest will be approved by Head Office in terms of the existing delegation in this
regard.
| |
|
Existing |
Revised |
| 8. |
Loans and Advances to Hire Purchase Leasing
Companies, NBFcs and Breweries/Distillaeries |
Interest rate based on credit risk
rating |
As per Term Loan Non schematic/ Non
priority Category vide Para 1 |
| |
|
Existing |
Revised |
| 9. |
Clean OD facility for employees of the Bank |
BPLR i.e 12.50% at monthly rest |
BPLR i.e 13.25% at monthly rest |
10. Sick / Weak units under
Rehabilitation
Non SSI Sick / Weak units:
| 1.a) Where packages are sanctioned
and already implemented. |
The existing rate as per package
may continue |
The existing rate as per package
may continue |
| b) Where packages are sanctioned
but yet to be implemented. |
-do- |
-do- |
| c) Where packages are finalized but
yet to be sanctioned |
-do- |
-do- |
| 2. a) Where packages are prepared
but yet to be finalized: |
|
|
| b) Where packages are yet to be
prepared: For 2.(a) & 2(b)The rates mentioned below
are based on RBI parameters and will be applicable: |
|
|
| i) Working Capital |
BPLR or as per credit risk rating
or at any other higher rate depending upon the scheme |
BPLR or as per credit risk rating
or at any other higher rate depending on the scheme |
| ii) Funded Interest Term Loan |
2% below BPLR or any other higher
rate depending upon the scheme |
2% below BPLR or any other higher
rate depending upon the scheme |
| iii) Working Capital Term Loan |
1% below BPLR or any other higher
rate depending upon the scheme |
1% below BPLR or any other higher
rate depending upon the scheme |
| iv) Existing Term Loan |
2% below the last
documented/contractual rate (minimum) or at any other higher rate depending upon the
scheme. |
2% below the last documented/
contractual rate (minimum) or at any other higher rate depending upon the scheme. |
| v) Fresh Rehabilitation Term Loan |
BPLR or as per guideline effective
for new Term Loan or at any other higher rate depending upon the scheme |
BPLR or as per guideline effective
for new Term Loan or at any other higher rate depending upon the scheme |
11. SSI Sick / Weak Units
| a) Working Capital |
1.5% below BPLR or 1.5% below the
rate fixed as per credit risk rating or at any other higher rate depending upon the scheme |
As existing |
| b) Funded Interest Term Loan |
NIL to 10% p.a. or at any other
rate depending upon the scheme. |
As existing |
| c) Working Capital Term Loan |
1.5% to 3% below BPLR in case of
advance over Rs.2.00 lac AND 1.5% to 3% below the rate applicable in case of
advance up to Rs.2.00 lacs. |
As existing |
| d) Existing Term Loan |
Not more than 3% below the last
contractual/ documented rate in case of tiny/decentralized sector AND not more than
2% below the last contractual/ documented rate in other cases |
As existing |
| e) Contingency Loan, Loans &
Advances for payment of VRS, Statutory dues etc. |
Rate applicable in Working Capital
in (a) above |
As existing |
| f) Fresh Rehabilitation Term Loan |
1.5% below BPLR or any other
higher rate depending upon the scheme in case of advance over Rs.2.00 lac.
AND 1.5% below the rate applicable according to size of limit in case of advance up to
Rs.2.00 lac. |
As existing |
12. Agriculture (Term Loan / Cash Credit / KCC/Self Help Group(SHG)/NGO/Micro Credit/ Financing of Rural Godown / Financing
Tractors/Power Tillers under United Krishi Sahayak Yoyana)
| Slab |
Existing |
Revised |
| Limit upto Rs.25000/- |
9.00% |
9.50% |
| Limit over Rs.25000/- and upto
Rs.50000/- |
9.00% |
9.50% |
| Limit over Rs.50000/- and upto Rs.1
lac |
9.50% |
10.25% |
| Limit over Rs.1 lac and upto Rs.2
lac |
10.00% |
10.75% |
| Limit over Rs.2 lac and upto Rs.5
lac |
11.00% |
11.75% |
| Limit over Rs.5 lac and upto Rs.10
lac |
12.25% |
13.00% |
| Limit over Rs.10 lac and upto Rs.15
lac |
12.25% |
13.00% |
| Limit over Rs.15 lac and upto Rs.25
lac |
12.25% |
13.00% |
| Above Rs.25 lacs |
As per credit
rating subject to a maximum of 14.25% |
As per credit
rating subject to a maximum of 15.00% |
In case of Short Term Production Credit
(Crop Loan) upto Rs. 3.00 lacs, the applicable rate of interest is 7.00%p.a. payable as
per norms on due dates or half yearly basis. Branches will prepare quarterly statement of
on actual disbursement / drawal of crop loan and calculate interest subvention @2%p.a. and
submit to RO for consolidation as per extant HO circular NO RCPPOD/PS/2/OM-0185/06-07
dated 28.06.2006
13. Other Prices (SRTO, P&SEP, Retail Trade and
Small Business)
| Slab |
Existing |
Revised |
| Limit upto Rs.25000/- |
10.00% |
10.75% |
| Limit over Rs.25000/- and upto
Rs.50000/- |
10.50% |
11.25% |
| Limit over Rs.50000/- and upto Rs.1
lac |
11.50% |
12.25% |
| Limit over Rs.1 lac and upto Rs.2
lac |
11.50% |
12.25% |
| Limit over Rs.2 lac and upto Rs.5
lac |
12.25% |
13.00% |
| Limit over Rs.5 lac and upto Rs.15
lac |
12.75% |
13.50% |
| Limit over Rs.15 lac and upto Rs.25
lac |
13.25% |
14.00% |
| Limit over Rs.25 lacs |
As per
Credit Risk rating subject to a maximum of 16.00%) |
As per
Credit Risk rating subject to a maximum of 16.75%) |
14. Special rates of interest for
Bank’s own scheme under Priority Sector
| |
|
Existing |
Revised |
| Rice Mill |
With credit
rating UBICR 3 and better |
BPLR-2.25%
i.e.10.25%p.a. |
BPLR-2.25% i.e.11.00%p.a. |
| With credit
rating inferior to UBICR 3 |
BPLR-1.25%i.e.11.25%p.a. |
BPLR-1.25%i.e.12.00%p.a. |
| Cold Storage
(i) To Mill Owners
(ii) Direct lending to farmers |
With credit
rating UBICR 3 and better |
8.50%p.a (Fixed) at monthly rest |
9.25%p.a. (Fixed)at monthly rest |
| With credit
rating inferior to UBICR 3 |
9.00%p.a (Fixed) at monthly rest |
9.75%p.a. (Fixed)at monthly rest |
| Credit rating
not applicable |
8.25%p.a (Fixed) at half yearly rest |
9.00%p.a. (Fixed)at monthly rest |
The above rates are applicable irrespective
of limit and covers Term Loan and Working Capital
15. Schemes for financing weaker section of the society
| Name of the scheme |
Existing rate of interest |
Revised rate of interest |
| United Awas Yojana for SC / ST
community |
9.50% p.a. irrespective of limit |
10.00% p.a. irrespective of limit |
| United Shiksha yojana for SC/ST
community |
Limit upto Rs.4.00 lac–
11.00%p.a. Limit over Rs.4.00 lac – 11.50% p.a. |
Limit upto Rs.4.00 lac- 11.75%p.a.
Limit over Rs.4.00 lac - 12.25% pa |
| United New Life Yojana for SC / ST
community |
Individual borrower – 11.50%
p.a. |
Individual borrower – 12.25%
p.a. |
| United LPG connection for SC / ST
community |
Uniform rate of 8.50 %p.a. |
Uniform rate of 8.50 %p.a. |
| United Land Purchase Scheme for SC
/ ST farmers |
Limit upto Rs 50000 - 8.50%p.a. Limit overRs. 50000
Upto Rs. 1.00 lac - 9.00%p.a.
Limit over Rs. 1.00 lac
Upto Rs. 2.00 lacs - 9.50%p.a. |
Limit upto Rs 50000 - 8.50%p.a.
Limit over Rs 50000
Upto Rs1.00 lac - 9.75%p.a.
Limit over Rs1.00 lac
Upto Rs2.00 lacs - 10.25%p.a. |
16. United Housing Loan Scheme:
A: Fixed
| Repayment Period |
Existing |
Revised |
|
Upto Rs. 20 lac |
Above Rs 20 lac |
Upto Rs. 15 lac |
Above Rs 15 to Rs. 20 lac |
Above Rs. 20 lac |
| For loans up to 5 years |
10.50% p.a. |
11.50% p.a. |
10.50% p.a. |
11.50% p.a. |
12.25% p.a. |
| Above 5 years & up to 10 years |
11.00% p.a. |
12.00% p.a. |
11.00% p.a. |
12.00% p.a. |
12.75% p.a. |
| Above 10 years |
NO FIXED RATE |
| |
Interest Rate is subject to reset at the end of every three years. |
Interest Rate is subject to reset at the end of every two years. |
B: Floating
| Repayment
Period |
Existing |
Revised |
| Upto Rs. 20 lac |
Above Rs.20 lac |
Upto Rs. 15 lac |
Above Rs. 15 to 20 lac |
Above Rs. 20 lac |
| For loans up to 5 years |
BPLR – 2.75%
i.e. 9.75% p.a at present |
BPLR – 1.75% i.e. 10.75% p.a.
at present |
BPLR – 2.75%
i.e. 10.50% p.a |
BPLR – 2.25%
i.e. 11.00% p.a. |
BPLR – 2.00%
i.e. 11.25% p.a. |
| Above 5 years & up to 15 years |
BPLR – 2.25%
i.e. 10.25% p.a at present |
BPLR – 1.25% i.e. 11.25% p.a.
at present |
BPLR – 2.25%
i.e. 11.00% p.a |
BPLR – 1.75%
i.e. 11.50% p.a. |
BPLR – 1.25%
i.e. 12.00% p.a. |
| Above 15 Yrs to 20 years |
BPLR – 1.75%
i.e. 10.75% p.a at present |
BPLR – 0.75% i.e. 11.75% p.a.
at present |
BPLR – 1.75%
(i.e. 11.50% p.a. at present) |
BPLR – 1.25%
i.e. 12.00% p.a. |
BPLR – 0.75%
i.e. 12.50% p.a. |
Concessions:
- No concession is available for loans up to 5 years.
- If loan is taken along with Insurance Cover under the Scheme
(SBI Life / TATA AIG), a reduction of 0.25% p.a. in rate of interest may be
allowed.
- A reduction of 0.25% p.a. in the interest rate shall be
allowed if 50% of the loan is additionally secured by way of Bank’s own Term Deposit.
- For USP accounts a reduction of 0.25% p.a. shall be allowed.
Please refer Table C below.
Additional concession for UBI employees0.25%
in interest rate across the board both in fixed and floating options is allowed.
Please refer Table C below.
C. However, rates of interest as stated above are subject
to floor rate (i.e. interest rate should not be less than this rate under any
circumstance) as stipulated below:
| |
FIXED |
FLOATING |
| |
Upto Rs. 15
lac |
Above Rs 15 to
Rs. 20 lac |
Above Rs. 20
lac |
Upto Rs. 15
lac |
Above Rs 15 to
Rs. 20 lac |
Above Rs. 20
lac |
| Other than Staff |
10.50% |
11.50% |
12.25% |
10.50% |
11.00% |
11.25% |
| Staff |
10.25% |
11.25% |
12.00% |
10.25% |
10.75% |
11.00% |
17. United Consumer Loan Scheme:
(Fixed Rate)
| |
Existing |
Revised |
| a) Individual |
13.50%
p.a. |
14.25%
p.a. |
| b) Individual with 50%
collateralization |
13.00% p.a. |
13.75% p.a. |
18. United Car Loan Scheme: (Fixed Rate)
| |
Existing |
Revised |
| Repayment
Period |
New
Car |
Second
Hand (Used) car |
New
Car |
Second
Hand (Used) car |
| a) Upto 3 Yrs. |
11.00%
p. a. |
11.50%
p. a. |
12.00%
p. a. |
13.00%
p. a. |
| b) Above 3 Yrs. |
11.50% p. a. |
12.00% p. a. |
12.50% p. a. |
13.50% p. a. |
19. United Demand Loan Scheme:
(Fixed Rate)
United Demand
Loan |
Existing |
Revised |
(i) For Loan
against LIP(SV)/NSC/KVP/Relief Bond etc. where bank provides loan up to 100% or more of
the face value/SV
ii) For Loans/Overdraft facility against
Bank’s own Term Deposit where margin requirement is as per HO Circular No
CPPMI/ADV/41/OM-574/2003 dated 04.03.2003
iii) For Loans /Overdraft facility against Third party
deposits with our Bank |
11.00% p.a.
(Fixed)
1.50% above the rate of interest on deposit.
(no ceiling)
2.50% above the rate of interest on deposit
(no ceiling) |
11.75% p.a.
(Fixed)
1.50% above the rate of interest on deposit.
(no ceiling)
2.50% above the rate of interest on deposit (no ceiling) |
20. United Personal Loan Scheme: (Fixed
Rate)
Existing |
Revised |
14.00
% p.a. |
14.75
% p.a. |
Concession:
A reduction of 0.50% p.a. (existing 0.25%) in rate of interest shall be allowed if
50% of the loan is additionally secured by way of bank’s own Term Deposit, LIP (
surrender value ), NSC, KVP, Relief Bond, etc. duly verified and accepted by the Bank.
21. United Personal Loan for Pensioners: (Fixed Rate)
Existing |
Revised |
12.00% p.a. |
12.75% p.a. |
Concession: A reduction of
0.50% p.a. (existing - 0.25% p.a.) in rate of interest shall be allowed if 50% of the loan
is additionally secured.
22. United Cash Rental Scheme: (Floating Rate)
Existing |
Revised |
Irrespective of
Repayment Period - BPLR + 0.75% i.e. 13.25% p.a
For landlords of UBI – BPLR - 0.25%
(floating) i.e. 12.25% p.a. |
Irrespective of
Repayment Period - BPLR + 0.75% i.e. 14.00% p.a at present
For landlords of UBI –
BPLR - 0.25%
(floating) i.e. 13.00% p.a. at present |
23. United Mortgage Loan: (Floating Rate)
Type
of Loan |
Existing
|
Revised |
a)
Term Loan |
BPLR
+ 1.25% i.e. 13.75% p.a. |
BPLR
+ 1.25% i.e. 14.50% p.a at present |
b)
Overdraft |
BPLR
+ 1.75% i.e. 14.25% p.a. |
BPLR
+ 1.75% i.e. 15.00% p.a at present |
24. United Trade Credit Scheme (Floating Rate)
Existing
|
Revised |
BPLR
+ 0.75 i.e. 13.25% p. a. |
BPLR
+ 0.75 i.e. 14.00% p. a. at present |
Concession:
A Concession of 0.50% shall be allowed for
every 25% (of the limit) liquid security in the form of Bank’s own term
deposit/NSC/KVP/LIP(SV)/RBI Bonds etc.
On satisfactory conduct of the account
one-time incentive by way of reduction in rate of interest to the extent of 0.25% p.a.
shall be allowed at the beginning of 3rd year of operation.
25. United Educational Scheme: (Floating Rate)
Quantum of Loan |
Existing
|
Revised |
| a) Upto 4.00 lac |
BPLR -
0.75% i.e. 11.75% p.a. |
BPLR -
0.75% i.e. 12.50% p.a. at present |
| b) Above Rs. 4.00 lac |
BPLR - 0.25% i.e.
12.25% p.a. |
BPLR – 0.25%
i.e.13.00% p.a. at present |
Concession: A concession of
1% p.a. in rate of interest shall be allowed if the interest is serviced in the moratorium
period.
26. United Festival Loan Scheme: (Floating Rate)
Existing
|
Revised |
BPLR
+ 0.50% i.e. 13.00% p.a. |
BPLR
+ 0.50% i.e. 13.75% p.a. at present |
27. United Tour and Travel Scheme: (Floating Rate)
Existing
|
Proposed
|
BPLR + 0.75% i.e.
13.25% p.a. |
BPLR + 0.75% i.e.
14.00% p.a. |
28. United Nari Sanman Yojana: (Floating Rate)
Existing
|
Revised |
BPLR + 0.75% i.e.
13.25% p.a |
BPLR + 0.75% i.e.
14.00% p. a at present |
Concession: A Concession of
0.25% for a group of borrowers (minimum 10) from single organisation shall be allowed
provided the employer undertakes to deduct EMI from salary and remit the same to the
financing branch or the accounts are maintained under USP Scheme.
29. United Salary Payment Scheme: (Floating Rate)
Existing |
Revised |
BPLR
+ 0.25 i.e. 12.75% p.a. |
BPLR+0.25%
i.e. 13.50% p.a. at present |
30. United Smart Loan Scheme: (Floating Rate)
Existing
|
Revised |
BPLR + 0.50% i.e.
13.00% p.a. |
BPLR+0.50%
i.e. 13.75% p.a. at present |
31. United Sikshak Sanman Yojna
Existing |
Revised |
Personal Loan |
0.25%
less than Card Rate of these loans under Retail Credit Schemes |
No change |
Housing Loan |
Consumer Loan |
Car Loan |
Festival Loan |
32. United Housing Loan Scheme for
Pensioners
Existing |
Revised |
| The rate of interest is
as per United Housing Loan Scheme Max. repayment period 10 yrs |
No
change |
|
