Interest Rates of Home Loans wef 01/01/2009 TO 09/05/2019

SBAR upto 5 years 5 yrs to 15 yrs

01-01-2009 - 28/6/2009 upto Rs 30 12.25% 9.75% 10.00% 11.25%
PBBU/HL/IR/ 42 Lacs
DT.29th December Rs 30 lac to 10.25% 10.50% 12.25%
2008 75 lacs
Above 75 lacs 10.25% 10.50% 12.25%
Cir.No.
PBBU/HL/AX/46
DT.31.01.2009 SBI
Happy-Home Loan
Offer & SBI Lifestyle
Loan w.e.f 2nd
February 2009 to 30th
April, 2009

Cir.No.
PBBU/HL/PM/02
DT.27.04.2009 -
Extension upto 30th
September 2009
6/29/2009 upto Rs 30 11.75% 9.25% 9.50% 10.75%
Lacs
Rs 30 lac to 9.75% 10.00% 11.75%
75 lacs
Above 75 lacs 9.75% 10.00% 11.75%

02-02-2009 - 6/30/2009 SBI Happy 8% fixed for one year upto 30th April Fixed reset period 5 years
PBBU/HL/AX/46 DT. Home Loan 2010 & extened upto 30th sep 2009
31.01.2009 SBI Offer
Happy Home Loan
Offer
01-07-2009 - 9/30/2009 SBI Easy Int. Rate First year 8% p.a. & Fixed Int 4th year onwards 2% below SBAR
PBBU/HL/AX/04 DT. Home Loan - Rate for next two years 9% p.a.
23.06.2009 - Easy Upto Rs.30
Home Loan Lacs
Fixed rate loan 1% below SBAR

01-07-2009 - Cir.No. 9/30/2009 SBI Int. Rate First year 8% p.a. & Fixed Int 4th year onwards 1.5% below SBAR
PBBU/HL/PM/05 - Advantage Rate for next two years 9.5% p.a.
Date:23rd June, Home Loan -
2009 - Advantage Above Rs.30 Fixed rate loan 0.5% below SBAR
Home Loan Lacs
30.6.2009 Cir.No. PBBU/HL/PM/06 dt.23.06.2009 Spl HL Closed on 30th June 2009
29-6-2009 Cir. No. 8/7/2009 upto Rs 30 lac 11.75% 9.25% 9.50% 10.75%
PBBU/HL/IR/08 dt
30th June 2009 Rs 30 to 75 9.75% 10.00% 11.75%
lac
Above Rs 75 9.75% 10.00% 11.75%
lac
Cir:PBBU/HL/PM/20 DT.26.11.2009 - CRE HOME LOAN INT. RATE = NORMAL RATE + 0.25% - ONLY TERM LOAN
08-08-2009 - SBI My 31/3/2010 SBAR For first year Next 2 years 4 th year onwards (if opted for
Home Campaign ( 8th Floating)
August 2009 to 7th SBI Easy upto 50 11.75% 8.00% 8.50% 2.75% below SBAR
November 2009) -Cir. lacs
No. PBBU/HL/PM/11
SBI Advantage 11.75% 8.00% 9.00% 1.75% below SBAR
dt 05.08.2009 extnded
above 50 lacs
by Cir. No.

01-04-2010 - 4/30/2010 SBAR For first year Next 2 years 4 th year onwards (if opted for
Cir:PBBU/HL/PM/27 Floating)
dated 28.03.2010
SBI Easy upto 50 11.75% 8.00% 9.00% 1.75% below SBAR, i.e. 10.00%
lacs
SBI Advantage 8.00% 9.00% 1.75% below SBAR, i.e. 10.00%
above 50 lacs
01-05-2010 - Cir. No. 30/6/2010 SBAR For first year Next 2 years 4 th year onwards (if opted for
PBBU/HL/PM/2 Floating)
dt.29th April 2010 - SBI Easy upto 50 11.75% 8.00% 9.00% 2.50% below SBAR
EASY, ADVANTAGE lacs
HL
SBI Advantage 8.00% 9.00% 2% below SBAR
above 50 lacs
01-07-2010 Cir. No. 9/30/2010 BASE RATE For first year Next 2 years 4 th year onwards (if opted for
PBBU/HL/PM/10 Floating)
dt.30th June 2010 - SBI Easy upto 50 7.50% 8% 9% 1.75% above BR
EASY, ADVANTAGE lacs
HL
SBI Advantage 7.50% 8% 9% 2.25% above BR
above 50 lacs
01-10-2010 - Maxgain 10/20/2010 BASE RATE For first year Next 2 years 4 th year onwards (if opted for
raised to Rs.1 Crore Floating)
Cir. No. SBI Easy upto 50 7.50% 8% 9% 1.75% above BR
PBBU/HL/PM/22 lacs
dt.27th September
2010 SBI Advantage 7.50% 8% 9% 2.25% above BR
above 50 lacs
21-10-2010 - Cir. No. 1/2/2011 7.60%
PBBU/HL/PM/26 dt. SBI Easy upto 50 7.60% 8% 9% 1.75% above BR
26th October 2010 - lacs
Easy, Advantage
SBI Advantage 7.60% 8% 9% 2.25% above BR
above 50 lacs
03-01-2011 - Cir.No. 13-02-2011 -SBI 8.00% 8.50% 9.25% 1.50% above Base Rate
PBBU/HL/PM/40 Dt. Easy upto 30
01st January, 2011 - lacs
Easy, Advantage, SBI Advantage 8.00% 8.50% 9.25% 1.75% above BR
Premium HL above 30 lacs
upto 75 lacs
SBI Premium 8.00% 1.75% above BR 1.75% above BR 1.75% above BR
above 75 Lacs
Vanilla Home Loan Upto Rs. 30.00 1.50% above Base Rate 9.50% p.a.
on floating interest lacs
rate (New Loans):
Above Rs. 30.00 1.75% above Base Rate 9.75% p.a.
lacs and upto Rs.
75.00 lacs
Above Rs. 75.00 1.75% above Base Rate 9.75% p.a.
lacs
14-02-2011 - Cir. No. 31-03-2011 - SBI 8.25% 8.75% 9.50% 1.50% above Base Rate
PBBU/HL/IR/48 dt. Easy upto 30
12th February 2011 - lacs
Easy, Advantage, SBI Advantage 8.75% 9.50% 1.75% above Base Rate
Premium HL above 30 lacs
upto 75 lacs
SBI Premium 1.75% above Base Rate 1.75% above Base Rate 1.75% above Base Rate
above 75 Lacs
01-04-2011 - Cir. No. 30-04-2011 - SBI 8.25% 8.75% 9.50% 1.50% above Base Rate
PBBU/HL/PM/55 dt. Easy upto 30
31st March 2011 - lacs
Easy, Advantage, SBI Advantage 8.25% 8.75% 9.50% 1.75% above Base Rate
Premium, Premium above 30 lacs
Plus HL upto 75 lacs
SBI Premium 8.25% 1.75% above Base Rate 1.75% above Base Rate 1.75% above Base Rate
above 75 Lacs to
5 crores
SBI Premium 8.25% 2.00% above Base rate 2.00% above Base rate 2.00% above Base rate
plus above 5
Crores
End of Teaser Rate regime. No fixed Interest Rates Home Loan Sanctions.

01-05-2011 - Cir. No. 11-05-2011 8.50% 1.00% above Base Rate 9.50% p.a. 11% - Fixed for old HL upto Rs.30
PBBU/HL/PM/3 dt. -Upto Rs. 30.00 Lacs
20th April 2011 lacs
Above Rs. 30.00 8.50% 1.25% above Base Rate 9.75% p.a. 11.75% fixed rate for old HL loans
lacs and upto Rs. above Rs.30 Lacs
75.00 lacs
Above Rs. 75.00 8.50% 1.75% above Base Rate 10.25% p.a.
lacs
12-05-2011 - Cir. No. 10-07-2011 - 9.25% 1.00% above Base Rate 10.25% p.a. 11.75% - Fixed for old HL upto Rs.30
RE/HL/IR/10 dt.12th Upto Rs. 30.00 Lacs
May 2011 lacs
Above Rs. 30.00 9.25% 1.25% above Base Rate 10.50% p.a. 12.50% fixed rate for old HL loans
lacs and upto Rs. above Rs.30 Lacs
75.00 lacs
Above Rs. 75.00 9.25% 1.75% above Base Rate 11.00% p.a.
lacs
11-07-2011 - Cir. No. 12-08-2011 - 9.50% 1.00% above Base Rate 10.50% p.a. 12.00% - Fixed for old HL upto Rs.30
RE/HL/IR/27 dt. 11th Upto Rs. 30.00 Lacs
July 2011 lacs
Above Rs. 30.00 9.50% 1.25% above Base Rate 10.75% p.a. 12.75% fixed rate for old HL loans
lacs and upto Rs. above Rs.30 Lacs
75.00 lacs
Above Rs. 75.00 9.50% 1.75% above Base Rate 11.25% p.a.
lacs
13-08-2011 - Cir. No. Upto Rs. 30.00 10.00% 0.75% above Base Rate 10.75% p.a. 12.50% - Fixed for old HL upto Rs.30
RE/HL/IR/30 dt. 12th lacs Lacs
August 2011 Above Rs. 30.00 10.00% 1.00% above Base Rate 11.00% p.a. 13.25% fixed rate for old HL loans
lacs and upto Rs. above Rs.30 Lacs
75.00 lacs
Above Rs. 75.00 10.00% 1.25% above Base Rate 11.25% p.a.
lacs
21-04-2012 - Cir. No. Upto Rs. 30.00 10.00% 0.75% above Base Rate 10.75% p.a. 12.50% - Fixed for old HL upto Rs.30
RE/HL/PM/5 dt. 21st lacs Lacs
April 2012 Above Rs. 30.00 10.00% 1.00% above Base Rate 11.00% p.a. 13.25% fixed rate for old HL loans
lacs and upto Rs. above Rs.30 Lacs
75.00 lacs
Above Rs. 75.00 10.00% 1.25% above Base Rate 11.25% p.a.
lacs

RE/HL/IR/21 dated Upto Rs 30 lacs 10.00% 0.25 % above Base Rate No fixed Rate option
6th August 2012
10.25%
Above rs 30 lacs 10.00% 0.40% abobe Base rate

10.40%

RE/HL/IR/26 dated Upto Rs 30 lacs 9.75% 0.25 % above Base Rate No fixed Rate option
20th September 2012
10.00%
Above rs 30 lacs 9.75% 0.40% abobe Base rate

10.15%
RE/HL/IR/47 dated Upto Rs 30 lacs 9.70% 0.25 % above Base Rate No fixed Rate option
31/01/2013.(w.e.f.
04/02/2013) 9.95%
Above rs 30 lacs 9.70% 0.40% abobe Base rate

10.10%
RE/HL/IR/22 dated Upto Rs 30 lacs 9.80% 0.30 % above Base Rate No fixed Rate option
24th September, 2013
(w.e.f 1st October, 10.10%
2013)
Above rs 30 lacs 9.80% 0.50% abobe Base rate

10.30%
RE/HL/IR/25 Date: 6th Upto Rs 30 lacs 10.00% 0.30 % above Base Rate No fixed Rate option
November, 2013
(w.e.f. 7th November, 10.30%
2013)
Above rs 30 lacs 10.00% 0.50% abobe Base rate

10.50%
RE/HL/IR/29 Date: Upto Rs 75 lacs 10.00% No fixed Rate option
19th December, 2013 For Women : 0.10 % above Base Rate; For Women :10.10% ; For Others :
(w.e.f. 20th Dec, For Others 0.15% above Base Rate 10.15%
2013)
Above rs 75 lacs 10.00%
For Women : 0.25 % above Base Rate; For Women :10.25% ; For Others :
For Others 0.30% above Base Rate 10.30%

Women 10.00% 10 bps above BR 10.10%

RE/HL/IR/17 dated No fixed Rate option
25/08/2014
Others 10.00% 15 bps above BR 10.15%

Women 9.85% 10 bps above BR 9.95%

RE/HL/IR/4 dated
No fixed Rate option
9/04/2015
Others 9.85% 15 bps above BR 10.00%

Women 9.85% at BR 9.85%

RE/HL/IR/5 dated No fixed Rate option
13/04/2015
Others 9.85% 5 bps above BR 9.90%

END OF SBAR (NEW RATES AS PER MCLR)

 Circular No. Category MCLR Spread over MCLR Effective Rate Fixed Rate Options

NBG/RE,H & HD Women 9.20% MCLR + 20 bps 9.40%

-HL/1/2016-17 No fixed Rate option
w.e.f. 01.04.2016 Others 9.20% MCLR + 25 bps 9.45%

NBG/RE,H & HD
-HL/11/2016-17 Women 9.15% MCLR + 20 bps 9.35%
w.e.f. No fixed Rate option
01/05/2016 Others 9.15% MCLR + 25 bps 9.40%

NBG/RE,H& HD- Women 9.10% MCLR + 20 bps 9.30%

HL/20/2016-17
w.e.f. 01/08/2016 No fixed Rate option
Others 9.10% MCLR + 25 bps 9.35%

NBG/RE,H & HD 9.05% 9.25%

Women MCLR + 20 bps
-HL/29/2016-17
w.e.f. 01.10.2016 No fixed Rate option
Others 9.05% MCLR + 25 bps 9.30%

NBG/RE,H & HD Women 8.90% MCLR + 35 bps 9.25%

-HL/50/2016-17
w.e.f. No fixed Rate option
01.11.2016 Others 8.90% MCLR + 40 bps 9.30%

NBG/RE,H & HD
-HL/50/2016-17 For Loan up to Rs. 75 lacs
w.e.f. 01.01.2017
Women 8.00% MCLR + 60 bps 8.60%
For Loan upto Rs. 30 lacs , Fixed for
Others 8.00% MCLR + 65 bps 8.65% first two years - 8.50% (women) ,
8.55% (Others)
For Loan above Rs. 75 Lacs

Women 8.00% MCLR + 65 bps 8.65%

Others 8.00% MCLR + 70 bps 8.70%

NBG/RE,H & HD For Loan upto Rs. 30 lacs , Fixed for

-HL/8/2017-18 first two years - Salaried :8.35%
w.e.f. 09.05.2017 Floating : Salaried : For Loan up to Rs. 30 lacs (women) , 8.40% (Others). Non
-Salaried :8.50% (women) , 8.55%
(Others)
Women 8.00% MCLR + 35 bps 8.35%
Others 8.00% MCLR + 40 bps 8.40%

Floating : Non Salaried : For Loan up to Rs. 30 lacs

Women 8.00% MCLR + 50 bps 8.50%

Others 8.00% MCLR + 55 bps 8.55%

Salaried : For Loan up to Rs. 75 lacs

Women 8.00% MCLR + 50 bps 8.50%
(RG-1,2,3)
Women 8.00% 8.60%
MCLR + 60 bps
(RG-4,5,6)
Others 8.00% MCLR + 55 bps 8.55%
(RG-1,2,3)
Others 8.00% 8.65%
MCLR + 65 bps
(RG-4,5,6)
Salaried : For Loan up above Rs. 75 lacs
Women 8.00% MCLR + 65 bps 8.65%
(RG-1,2,3)
Women 8.00% MCLR + 75 bps 8.75%
(RG-4,5,6)
Others 8.00% 8.70%
MCLR + 70 bps
(RG-1,2,3)
Others 8.00% MCLR + 80 bps 8.80%
(RG-4,5,6)

Non Salaried : For Loan up to Rs. 75 lacs

Women 8.00% 8.60%
MCLR + 60 bps
(RG-1,2,3)
Women 8.00% MCLR + 70 bps 8.70%
(RG-4,5,6)
Others 8.00% MCLR + 65 bps 8.65%
(RG-1,2,3)
Others 8.00% 8.75%
MCLR + 75 bps
(RG-4,5,6)
Non Salaried : For Loan up above Rs. 75 lacs
Women 8.00% MCLR + 75 bps 8.75%
(RG-1,2,3)
Women 8.00% 8.85%
MCLR + 85 bps
(RG-4,5,6)
Others 8.00% MCLR + 80 bps 8.80%
(RG-1,2,3)
Others 8.00% MCLR + 90 bps 8.90%
(RG-4,5,6)
 NBG/RE,H & HD Floating : Salaried : For Loan up to Rs. 30 lacs For Loan upto Rs. 30 lacs , Fixed for
-HL/26/2017-18 Women 8.00% MCLR + 35 bps 8.35% first two years - Salaried :8.35%
(women) , 8.40% (Others). Non
w.e.f.15.06.2017 Others 8.00% MCLR + 40 bps 8.40% -Salaried :8.50% (women) , 8.55%
Floating : Non Salaried : For Loan up to Rs. 30 lacs (Others)
Women 8.00% MCLR + 50 bps 8.50%
Others 8.00% MCLR + 55 bps 8.55%

Salaried : For Loan up to Rs. 75 lacs

Women 8.00% MCLR + 50 bps 8.50%
(RG-1,2,3)
Women 8.00% MCLR + 60 bps 8.60%
(RG-4,5,6)
Others 8.00% 8.55%
MCLR + 55 bps
(RG-1,2,3)
Others 8.00% MCLR + 65 bps 8.65%
(RG-4,5,6)
Salaried : For Loan up above Rs. 75 lacs
Women 8.00% 8.55%
MCLR + 55 bps
(RG-1,2,3)
Women 8.00% MCLR + 65 bps 8.65%
(RG-4,5,6)
Others 8.00% MCLR + 60 bps 8.60%
(RG-1,2,3)
Others 8.00% 8.70%
MCLR + 70 bps
(RG-4,5,6)

Non Salaried : For Loan up to Rs. 75 lacs

Women 8.00% MCLR + 60 bps 8.60%
(RG-1,2,3)
Women 8.00% 8.70%
MCLR + 70 bps
(RG-4,5,6)
Others 8.00% MCLR + 65 bps 8.65%
(RG-1,2,3)
Others 8.00% MCLR + 75 bps 8.75%
(RG-4,5,6)
Non Salaried : For Loan up above Rs. 75 lacs
Women 8.00% 8.65%
MCLR + 65 bps
(RG-1,2,3)
Women 8.00% MCLR + 75 bps 8.75%
(RG-4,5,6)
Others 8.00% 8.70%
MCLR + 70 bps
(RG-1,2,3)
Others 8.00% MCLR + 80 bps 8.80%
(RG-4,5,6)

NBG/RE,H & HD
-HL/26/2017-18 For Loan upto Rs. 30 lacs , Fixed for
w.e.f. 07.09.2017 first two years - Salaried :8.35%
Floating : Salaried : For Loan up to Rs. 30 lacs
(women) , 8.40% (Others). Non
-Salaried :8.45% (women) , 8.50%
(Others)
Women 8.00% MCLR + 35 bps 8.35%
Others 8.00% MCLR + 40 bps 8.40%
Floating : Non Salaried : For Loan up to Rs. 30 lacs
Women 8.00% MCLR + 45 bps 8.45%
Others 8.00% MCLR + 50 bps 8.50%

Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.00% 8.35%
MCLR + 35 bps
(RG-1,2,3)
Women 8.00% MCLR + 40 bps 8.40%
(RG-4,5,6)
Others 8.00% 8.40%
MCLR + 40 bps
(RG-1,2,3)
Others 8.00% 8.45%
MCLR + 45 bps
(RG-4,5,6)
Salaried : For Loan up above Rs. 75 lacs
Women 8.00% MCLR + 45 bps 8.45%
(RG-1,2,3)
Women 8.00% 8.50%
MCLR + 50 bps
(RG-4,5,6)
Others 8.00% MCLR + 50 bps 8.50%
(RG-1,2,3)
Others 8.00% MCLR + 55 bps 8.55%
(RG-4,5,6)

Non Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.00% 8.50%
MCLR + 50 bps
(RG-1,2,3)
Women 8.00% MCLR + 55 bps 8.55%
(RG-4,5,6)
Others 8.00% 8.55%
MCLR + 55 bps
(RG-1,2,3)
Others 8.00% MCLR + 60 bps 8.60%
(RG-4,5,6)
Non Salaried : For Loan up above Rs. 75 lacs
Women 8.00% 8.55%
MCLR + 55 bps
(RG-1,2,3)
Women 8.00% 8.60%
MCLR + 60 bps
(RG-4,5,6)
Others 8.00% MCLR + 60 bps 8.60%
(RG-1,2,3)
Others 8.00% 8.65%
MCLR + 65 bps
(RG-4,5,6)
 NBG/RE,H & HD
-HL/38/2017-18 For Loan upto Rs. 30 lacs , Fixed for
w.e.f. 01.11.2017 first two years - Salaried :8.30%
Floating : Salaried : For Loan up to Rs. 30 lacs
(women) , 8.35% (Others). Non
-Salaried :8.40% (women) , 8.45%
(Others)
Women 7.95% MCLR + 35 bps 8.30%
Others 7.95% MCLR + 40 bps 8.35%
Floating : Non Salaried : For Loan up to Rs. 30 lacs
Women 7.95% MCLR + 45 bps 8.40%
Others 7.95% MCLR + 50 bps 8.45%

Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 7.95% MCLR + 35 bps 8.30%
(RG-1,2,3)
Women 7.95% 8.35%
MCLR + 40 bps
(RG-4,5,6)
Others 7.95% MCLR + 40 bps 8.35%
(RG-1,2,3)
Others 7.95% MCLR + 45 bps 8.40%
(RG-4,5,6)
Salaried : For Loan up above Rs. 75 lacs
Women 7.95% 8.40%
MCLR + 45 bps
(RG-1,2,3)
Women 7.95% MCLR + 50 bps 8.45%
(RG-4,5,6)
Others 7.95% 8.45%
MCLR + 50 bps
(RG-1,2,3)
Others 7.95% 8.50%
MCLR + 55 bps
(RG-4,5,6)

Non Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 7.95% MCLR + 50 bps 8.45%
(RG-1,2,3)
Women 7.95% 8.50%
MCLR + 55 bps
(RG-4,5,6)
Others 7.95% MCLR + 55 bps 8.50%
(RG-1,2,3)
Others 7.95% 8.55%
MCLR + 60 bps
(RG-4,5,6)
Non Salaried : For Loan up above Rs. 75 lacs
Women 7.95% MCLR + 55 bps 8.50%
(RG-1,2,3)
Women 7.95% MCLR + 60 bps 8.55%
(RG-4,5,6)
Others 7.95% 8.55%
MCLR + 60 bps
(RG-1,2,3)
Others 7.95% MCLR + 65 bps 8.60%
(RG-4,5,6)

NBG/RE,H & HD
-HL/60/2017-18 For Loan upto Rs. 30 lacs , Fixed for
w.e.f. 0.1.03.2018 first two years - Salaried :8.50%
Floating : Salaried : For Loan up to Rs. 30 lacs
(women) , 8.55% (Others). Non
-Salaried :8.600% (women) , 8.65%
(Others)
Women 8.15% MCLR + 35 bps 8.50%
Others 8.15% MCLR + 40 bps 8.55%
Floating : Non Salaried : For Loan up to Rs. 30 lacs
Women 8.15% MCLR + 45 bps 8.60%
Others 8.15% MCLR + 50 bps 8.65%

Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.15% 8.50%
MCLR + 35 bps
(RG-1,2,3)
Women 8.15% MCLR + 40 bps 8.55%
(RG-4,5,6)
Others 8.15% 8.55%
MCLR + 40 bps
(RG-1,2,3)
Others 8.15% MCLR + 45 bps 8.60%
(RG-4,5,6)
Salaried : For Loan up above Rs. 75 lacs
Women 8.15% MCLR + 45 bps 8.60%
(RG-1,2,3)
Women 8.15% 8.65%
MCLR + 50 bps
(RG-4,5,6)
Others 8.15% MCLR + 50 bps 8.65%
(RG-1,2,3)
Others 8.15% 8.70%
MCLR + 55 bps
(RG-4,5,6)

Non Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.15% MCLR + 50 bps 8.65%
(RG-1,2,3)
Women 8.15% MCLR + 55 bps 8.70%
(RG-4,5,6)
Others 8.15% 8.70%
MCLR + 55 bps
(RG-1,2,3)
Others 8.15% MCLR + 60 bps 8.75%
(RG-4,5,6)
Non Salaried : For Loan up above Rs. 75 lacs
Women 8.15% 8.70%
MCLR + 55 bps
(RG-1,2,3)
 Women 8.15% 8.75%
MCLR + 60 bps
(RG-4,5,6)
Others 8.15% MCLR + 60 bps 8.75%
(RG-1,2,3)
Others 8.15% 8.80%
MCLR + 65 bps
(RG-4,5,6)

NBG/RE,H & HD Floating : Salaried : For Loan up to Rs. 30 lacs

-HL/66/2017-18 Women
w.e.f. 01.04.2018 8.15% MCLR + 20 bps 8.35%
(LTV<=80)

Women (LTV>80 8.15% MCLR + 30 bps 8.45%

& <=90)

Others (LTV 8.15% MCLR + 25 bps 8.40%

<=80)
Others (LTV>80 8.15% MCLR + 35 bps 8.50%
& <=90

Floating : Non Salaried : For Loan up to Rs. 30 lacs

Women 8.15% 8.50%
MCLR + 35 bps
(LTV<=80)

Women (LTV>80 8.15% 8.60%

MCLR + 45 bps
& <=90)

Others (LTV 8.15% 8.55%

MCLR + 40 bps
<=80)
Others (LTV>80 8.15% MCLR + 50 bps 8.65%
& <=90

Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.15% 8.50%
MCLR + 35 bps
(RG-1,2,3)
Women 8.15% 8.60%
MCLR + 45 bps
(RG-4,5,6)
Others 8.15% MCLR + 40 bps 8.55%
(RG-1,2,3)
Others 8.15% 8.65%
MCLR + 50 bps
(RG-4,5,6)
Salaried : For Loan up above Rs. 75 lacs
Women 8.15% MCLR + 45 bps 8.60%
(RG-1,2,3)
Women 8.15% MCLR + 55 bps 8.70%
(RG-4,5,6)
Others 8.15% 8.65%
MCLR + 50 bps
(RG-1,2,3)
Others 8.15% MCLR + 60 bps 8.75%
(RG-4,5,6)

Non Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.15% 8.65%
MCLR + 50 bps
(RG-1,2,3)
Women 8.15% MCLR + 60 bps 8.75%
(RG-4,5,6)
Others 8.15% MCLR + 55 bps 8.70%
(RG-1,2,3)
Others 8.15% 8.80%
MCLR + 65 bps
(RG-4,5,6)
Non Salaried : For Loan up above Rs. 75 lacs
Women 8.15% MCLR + 60 bps 8.75%
(RG-1,2,3)
Women 8.15% 8.85%
MCLR + 70bps
(RG-4,5,6)
Others 8.15% MCLR + 65 bps 8.80%
(RG-1,2,3)
Others 8.15% MCLR + 80 bps 8.90%
(RG-4,5,6)

NBG/RE,H & HD Floating : Salaried : For Loan up to Rs. 30 lacs

-HL/56/2018-19 Women
w.e.f. 11.02.2019 8.55% MCLR + 15 bps 8.70%
(LTV<=80)

Women (LTV>80 8.55% 8.80%

MCLR + 25 bps
& <=90)

Others (LTV 8.55% 8.75%

MCLR + 20 bps
<=80)
Others (LTV>80 8.55% MCLR + 30 bps 8.85%
& <=90

Floating : Non Salaried : For Loan up to Rs. 30 lacs

Women 8.55% 8.85%
MCLR + 30 bps
(LTV<=80)

Women (LTV>80 8.55% 8.95%

MCLR + 40 bps
& <=90)

Others (LTV 8.55% 8.90%

MCLR + 35 bps
<=80)
Others (LTV>80 8.55% 9.00%
MCLR + 45 bps
& <=90

Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.55% MCLR + 35 bps 8.90%
(RG-1,2,3)
Women 8.55% 9.00%
MCLR + 45 bps
(RG-4,5,6)
Others 8.55% MCLR + 40 bps 8.95%
(RG-1,2,3)
 Others 8.55% 9.05%
MCLR + 50 bps
(RG-4,5,6)
Salaried : For Loan up above Rs. 75 lacs
Women 8.55% MCLR + 45 bps 9.00%
(RG-1,2,3)
Women 8.55% 9.10%
MCLR + 55 bps
(RG-4,5,6)
Others 8.55% MCLR + 50 bps 9.05%
(RG-1,2,3)
Others 8.55% MCLR + 60 bps 9.15%
(RG-4,5,6)

Non Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.55% 9.05%
MCLR + 50 bps
(RG-1,2,3)
Women 8.55% MCLR + 60 bps 9.15%
(RG-4,5,6)
Others 8.55% 9.10%
MCLR + 55 bps
(RG-1,2,3)
Others 8.55% MCLR + 65 bps 9.20%
(RG-4,5,6)
Non Salaried : For Loan up above Rs. 75 lacs
Women 8.55% MCLR + 60 bps 9.15%
(RG-1,2,3)
Women 8.55% 9.25%
MCLR + 70bps
(RG-4,5,6)
Others 8.55% MCLR + 65 bps 9.20%
(RG-1,2,3)
Others 8.55% 9.35%
MCLR + 80 bps
(RG-4,5,6)

NBG/RE,H & HD Floating : Salaried : For Loan up to Rs. 30 lacs

-HL/3/2019-20 Women
w.e.f. 10.04.2019 (LTV<=80) 8.50% MCLR + 10 bps 8.60%

Women (LTV>80 8.50% MCLR + 20 bps 8.70%

& <=90)

Others (LTV 8.50% MCLR + 15 bps 8.65%

<=80)
Others (LTV>80 8.50% MCLR + 25 bps 8.75%
& <=90

Floating : Non Salaried : For Loan up to Rs. 30 lacs

Women 8.50% 8.75%
MCLR + 25 bps
(LTV<=80)

Women (LTV>80 8.50% 8.85%

MCLR + 35 bps
& <=90)

Others (LTV 8.50% 8.80%

MCLR + 30bps
<=80)
Others (LTV>80 8.50% MCLR + 40 bps 8.90%
& <=90

Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.50% 8.85%
MCLR + 35 bps
(RG-1,2,3)
Women 8.50% 8.95%
MCLR + 45 bps
(RG-4,5,6)
Others 8.50% MCLR + 40 bps 8.90%
(RG-1,2,3)
Others 8.50% 9.00%
MCLR + 50 bps
(RG-4,5,6)
Salaried : For Loan up above Rs. 75 lacs
Women 8.50% MCLR + 45 bps 8.95%
(RG-1,2,3)
Women 8.50% MCLR + 55 bps 9.05%
(RG-4,5,6)
Others 8.50% 9.00%
MCLR + 50 bps
(RG-1,2,3)
Others 8.50% MCLR + 60 bps 9.10%
(RG-4,5,6)

Non Salaried : For Loan Rs. 30 lacs to Rs. 75 lacs

Women 8.50% 9.00%
MCLR + 50 bps
(RG-1,2,3)
Women 8.50% MCLR + 60 bps 9.10%
(RG-4,5,6)
Others 8.50% MCLR + 55 bps 9.05%
(RG-1,2,3)
Others 8.50% 9.15%
MCLR + 65 bps
(RG-4,5,6)
Non Salaried : For Loan up above Rs. 75 lacs
Women 8.50% MCLR + 60 bps 9.10%
(RG-1,2,3)
Women 8.50% 9.20%
MCLR + 70bps
(RG-4,5,6)
Others 8.50% MCLR + 65 bps 9.15%
(RG-1,2,3)
Others 8.50% MCLR + 80 bps 9.30%
(RG-4,5,6)