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Credit - (Loans etc.)
Concession: Collateral of 50% of loan value will entail 0.25% concession in interest rate from card rate. Collateral must be in the form of liquid or other tangible security.
3.   United Demand Loan Scheme (Floating Rate):
For Loan against LIP(SV)/NSC/KVP
a) Term Loan
BR+1.75% i.e. 11.40 % (Floating Rate)
BR+1.75% i.e. 11.40 % (Floating Rate)
For Loan against Bank's Own Term Deposit
Loan to the Depositor
1 % above the rate of interest on Deposit
b) Loan against third party Deposit
2.50% above the rate of interest on deposit subject to minimum of Base Rate.
You have a wide range of choice of deposits through as many as 10 different schemes offered by UBI. You may select them according to your best suited mode of meeting.