Auto Loan, Home Loan, Xpress Credit, Pension Loan and Education Loan Interest Rates updated as on 05/06/2018

– RBO4 Pathanamthitta
1 Year MCLR 8.25 2 Year MCLR 8.35
AUTO LOAN
Loan Products Women Others
SBI Car, NRI, Combo, Assured, SME Retail 1.20 9.45 1.25 9.50
Certified Pre-Owned Car 4.65 12.90 4.65 12.90
Loyalty – SBI Car, NRI, Combo 1.10 9.35 1.15 9.40 Monsoon Campaign
Loyalty – Certified Pre-Owned Car 2.40 10.65 2.45 10.70 0.2% discount in int. rate
Super Bike 3.65 11.90 3.65 11.90 for
SBI Two Wheeler 9.25 17.50 9.25 17.50 Car loan > 20 lakhs
CIC >= 750 CIC from 650 to 749
SBI Car Loan Lite 2 year MCLR
3.00 11.35 4.00 12.35
SBI Car Loan, Combo Loan, NRI Car Loan, Loyalty Car Loan and Assured Car Loan Scheme, SME Car Loan
CIC ~ NA
Corporate Salary Package Accounts
0.75 9.00
Businessman, Professionals/Self Employed, Agriculturist, Pensioners CIC >= 750 CIC from 700 to 749 CIC from 600 to 699
and other salary accounts 0.75 9.00 0.95 9.20 1.25 9.50

Processing Fees – Auto Loans Upto 6 lakh Rs. 1000/- + GST Above 6 lakh Rs. 1500/- + GST
CGSP, SGSP, PSP & RSP Upto 6 lakh Rs. 500/- + GST Above 6 lakh Rs. 750/- + GST
DSP, PMSP, ICGSP Upto 6 lakh Nil Above 6 lakh Nil

HOME LOAN
Term Loan upto 30 lakhs and Maxgain loan above 20 lakhs and upto 30 lakhs
For SBI Privilage & Shaurya interest rate same as women if check-off Women, Privilage & Shaurya Others
facility is available LTV<=80 LTV > 80 LTV<=80 LTV > 80
Home Loan – Term Loan including CRE HL(Salaried Borrowers) 0.20 8.45 0.30 8.55 0.25 8.50 0.35 8.60
Home Loan – Term Loan including CRE HL(Non-Salaried Borrowers) 0.35 8.60 0.45 8.70 0.40 8.65 0.50 8.75
Maxgain including CRE HL (Salaried Borrowers) 0.25 8.50 0.35 8.60 0.30 8.55 0.40 8.65
Maxgain including CRE HL (Non-Salaried Borrowers) 0.45 8.70 0.55 8.80 0.50 8.75 0.60 8.85

Term Loan and Maxgain loan above 30 lakhs and upto 75 lakhs
For SBI Privilage & Shaurya interest rate same as women if check-off Women, Privilage & Shaurya Others
facility is available RG – 1,2,3 RG – 4,5,6 RG – 1,2,3 RG – 4,5,6
Home Loan – Term Loan including CRE HL(Salaried Borrowers) 0.35 8.60 0.45 8.70 0.40 8.65 0.50 8.75
Home Loan – Term Loan including CRE HL(Non-Salaried Borrowers) 0.50 8.75 0.60 8.85 0.55 8.80 0.65 8.90
Maxgain including CRE HL (Salaried Borrowers) 0.45 8.70 0.55 8.80 0.50 8.75 0.60 8.85
Maxgain including CRE HL (Non-Salaried Borrowers) 0.65 8.90 0.75 9.00 0.70 8.95 0.80 9.05

Term Loan above 75 lakhs and Maxgain Loan above 75 lakhs and upto 3 crores
For SBI Privelage & Shaurya interest rate same as women if check- Women, Privilage & Shaurya Others
off facility is available RG – 1,2,3 RG – 4,5,6 RG – 1,2,3 RG – 4,5,6
Home Loan – Term Loan including CRE HL(Salaried Borrowers) 0.45 8.70 0.55 8.80 0.50 8.75 0.60 8.85
Home Loan – Term Loan including CRE HL(Non-Salaried Borrowers) 0.60 8.85 0.70 8.95 0.65 8.90 0.80 9.05
Maxgain including CRE HL (Salaried Borrowers) 0.60 8.85 0.70 8.95 0.65 8.90 0.75 9.00
Maxgain including CRE HL (Non-Salaried Borrowers) 0.80 9.05 0.90 9.15 0.85 9.10 0.95 9.20

Home Topup Loan less than 5 lakh without extension of Mortage on House Property
Loan Type Salaried Borrowers Non Slaried Borrower
Insta Home Topup Loan 1.00 9.25 1.00 9.25
Home Topup Loan other than Insta Home Topup 1.00 9.25 1.50 9.75
Home Topup Term Loan with extension of Mortgage on House Property
Salaried Borrowers Businessmen & Professionals
Loan Amount
RG – 1,2,3 RG – 4,5,6 RG – 1,2,3 RG – 4,5,6
5 lakhs to 20 lakhs 0.45 8.70 0.55 8.80 0.60 8.85 0.70 8.95
20lakhs to 1 crore 0.65 8.90 0.75 9.00 0.80 9.05 0.90 9.15
1 crore to 2 crore 0.85 9.10 0.95 9.20 1.00 9.25 1.10 9.35
2 crore to 5 crore 1.30 9.55 1.40 9.65 1.45 9.70 1.55 9.80
Above 5 crores 1.50 9.75 1.60 9.85 1.65 9.90 1.75 10.00
Home Topup Overdraft with extension of Mortgage on House property
Salaried Borrowers Businessmen & Professionals
Loan Amount
RG – 1,2,3 RG – 4,5,6 RG – 1,2,3 RG – 4,5,6
20lakhs to 1 crore 1.35 9.60 1.45 9.70 1.50 9.75 1.60 9.85
1 crore to 2 crore 1.60 9.85 1.70 9.95 1.75 10.00 1.85 10.10
Above 2 crore 1.70 9.95 1.80 10.05 1.85 10.10 1.90 10.15

SBI Realty Loan

Salaried Borrowers Businessmen & Professionals
Loan Amount
Women – HerGhar Others Women – HerGhar Others
Upto 75 lakhs 0.70 8.95 0.75 9.00 0.90 9.15 0.95 9.20
Above 75 lakhs 0.75 9.00 0.80 9.05 0.95 9.20 1.00 9.25

Personal Loan Against Property

Salaried Borrowers (where more than 50% of Non Salaried Borrow. (more than 50% of NMI
Loan Amount
NMI is coming from salary income) is from Business/Profession/rental income)
Upto 1 crore 1.85 10.10 2.50 10.75
Above 1 crore & upto 2 crore 2.35 10.60 3.00 11.25
Above 2 crore & upto 7.5 crore 2.80 11.05 3.30 11.55

Processing Fees General Public CGSP, SGSP, PSP & RSP DSP, PMSP & ICGSP
HOME LOAN 0.35 % (2000 -10000) 0.175 % (min. 1000/-) Nil
Home Loan, Home Top-Up, NRI Home Loan, SBI Realty 0.35 % of Loan amount min. Rs.2000/- & max. Rs.10000/-
Personal Loan Against Property 1.00 % (max. 50000)
SBI Privilege, SBI Shaurya Home Loan, Take over of Home Loan & Home Loan Top Up Nil

RBO4 Pathanamthitta Ajith C T: 8330010228 Sarin K Mohan: 8330011520

 Auto Loan, Home Loan, Xpress Credit, Pension Loan and Education Loan Interest Rates updated as on 05/06/2018 – RBO4 Pathanamthitta

XPRESS CREDIT AND OTHER PERSONAL LOANS

Xpress Credit Loan – Term Loan and Overdraft 2 year MCLR
CIBIL
ECR Rating RSM Term Loan Faciliy Overdraft Facility Concessions
Score
>= 750 >=84 3.40 11.75 3.90 12.25
ECR A- and above 700 – 749 78 – 83 3.90 12.25 4.40 12.75
650 – 699 73 -77 4.40 12.75 4.90 13.25
Central Govt., State Govt., Police and Railway Salary Package 550 – 649 62-72 4.90 13.25 5.40 13.75 If Loan
<= 550 <=62 5.90 14.25 6.40 14.75 If amount
>= 750 >=84 4.40 12.75 4.90 13.25 Check-off greater
is provided than
700 – 749 78 – 83 4.90 13.25 5.40 13.75 0.50 % 10 lakh
ECR BBB+ and below 650 – 699 73 -77 5.40 13.75 5.90 14.25 Concesion 0.50 %
550 – 649 62-72 4.90 13.25 6.40 14.75 Concesion
<= 550 <=62 6.40 14.75 6.90 15.25
>= 750 >=84 4.40 12.75 4.90 13.25
Unrated Borrowers
700 – 749 78 – 83 5.40 13.75 5.90 14.25

Xpress Elite Scheme 2 year MCLR

Other than Salary Package Accounts including
Credit Information Bureau Score SBI Salary Package Accounts
Non SBI Accounts
800 and above 2.40 10.75 2.65 11.00
700 – 799 2.90 11.25 3.15 11.50
600 – 699 / No Score 3.90 12.25 4.15 12.50
Less than 600 No Loan

Xpress Credit to DSP/PMSP/ICGSP 2 year MCLR

Credit Information Bureau Score (RSM) >= 650 (73) < 650 (73) Concessions Offered
Term Loan facility 3.40 11.75 3.90 12.25 If Check-Off is If Loan amount > 10
Overdraft facility 3.90 12.25 4.40 12.75 provided 0.50 % lakh 0.50 %

Xpress Credit to IT Employees Scheme 2 year MCLR

Credit Information Bureau Score Rate of Interest
750 and above 4.80 13.15
550 – 749 5.80 14.15
Less than 550 / No Score 6.80 15.15

Xpress Credit to Non Permanent Employees 2 year MCLR

Check-off
Employer Type
Category – I Category – II
Central & State Govt., Quasi Govt. Central PSU, State PSU, Defence, Educational inst of national repute 4.30 12.65 6.40 14.75
Co-operatives / Institutions not covered under regular Xpress Credit Loan Schemes & Unrated Corporates 5.05 13.40 6.65 15

Other Unsecured Personal Loans 2 year MCLR

SBI Pension Loan 3.35 11.70
Jai Jawan Pension Loan 3.35 11.70
Pension Loan to Coal Mines Provident Fund Pensioners 3.35 11.70
Clean Overdraft 8.45 16.80
OD for e-Commerce Purchase 5.50 13.85

Processing Fees Normal CGSP, SGSP, PSP & RSP DSP, PMSP & ICGSP
Xpress Credit Loan 1.00% 0.50% Nil
Pension Loan 0.51% 0.51% Nil

EDUCATION LOAN
SBI Student Loan 1 year MCLR
Loan Limit Girl Students Other Students
Upto 7.5 lakhs 1.50 9.75 2.00 10.25
Upto 7.5 lakhs, Interest serviced promptly in moratorium 0.50 8.75 1.00 9.25
Above 7.5 lakhs 2.25 10.50 2.75 11.00
Above 7.5 lakhs, Interest serviced promptly in moratorium 1.25 9.50 1.75 10.00

SBI Scholar Loan Scheme 1 year MCLR

Category Interest Rate
List AA with co-borrower 0.20 8.45
List AA with out co-borrower 0.30 8.55
List A - All AIMS & IITS 0.35 8.60
List A - Other Institutes 0.50 8.75
List B - All NITs 0.50 8.75
List B - Other Institutes 1.00 9.25
List B - Other Institutes, Collateral > Loan Amount 0.75 9.00
List B - Other Institutes, Work Experience > 2 years 0.75 9.00
List B - Other Institutes, Collateral > Loan & Work Exp > 2 years 0.50 8.75
List C - All NITs 0.50 8.75
List C - Other Institutes 2.00 10.25
List C - Other Institutes, Interest serviced promptly in moratorium 1.00 9.25

SBI Global EdVantage Loan 1 year MCLR

Loan Limit 20 Lakhs to 1.5 Crore Girl Students Other Students
No Life insurance Policy or Rinn Raksha in favour of Bank 2.00 10.25 2.50 10.75
Life insurance Policy or Rinn Raksha in favour of Bank 1.50 9.75 2.00 10.25
SBI Education Loan Take Over 1 year MCLR Girl Students Other Students
Loan Limit 10 Lakhs to 1.5 Crore 1.00 9.25 1.50 9.75
SBI Skill Loan 1 year MCLR Regular Interest Rate Interest Serviced promptly in moratorium
Loan Limit 10 Lakhs to 1.5 Crore 1.50 9.75 0.50 8.75
RBO4 Pathanamthitta Ajith C T: 8330010228 Sarin K Mohan: 8330011520