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Interest Rates for Term Deposit:
The Cosmos Co-operative Bank Ltd.
(Multistate Scheduled Bank)
RATES AT A QUICK GLANCE
W.E.F : 20 May, 2010
Deposit Accounts
 
NatureRate of InterestMinimum Balance
NormalSenior CitizenRuralSemi UrbanSenior Citizen
Account
1.Savings Bank A/c.

     
 A.Domestic      
  a.With cheque book facility3.50%3.50%1000/-1000/-1000/-
  b.Without cheque book facility3.50%3.50%500/-500/-500/-
  cNo Frills Account3.50%3.50%000
 B.Non Resident      
  a.NRO3.50%3.50%   
  b.NRE3.50%3.50%   
         
2.Term Deposits

     
 A.Domestic Rate of Interest
  Term Deposits (All Maturities)Upto & including For Deposits above Rs.15
   Rs.15 Lakhs Lakhs but less than Rs.1. Crore

    GeneralSr.Citizen(Only for Deposit kept for more than 12 Mths)

  15 Days to 45 Days 3.50%4.00%Except Senior Citizen

  46 Days to 90 Days 5.00%5.50%  Incentive
  91 Days to 181 Days 6.75%7.25%

Slab

 over & above
  182 Days to 12 Months 7.00%7.50%  Card Rate
  Above 12 Months to 15 Months 7.50%8.00%Rs.15 lakhs to less than Rs.50 lakhs 0.25%
  Above 15 Months to less than 2 years  7.50% 8.00%   
  2 Years to less than 3 Years 8.00%8.50%Rs.50 lacs and above 0.50%
  Above 3 Years to less than 5 Yrs. 7.25%7.75%   
  5 Years upto 10 Years 7.00%7.50%   
  60 Months' Tax Exemption Scheme 7.25%7.75%   
         
    Rate of Interest    
    1year to 2year to For 3 Yrs.   
    less thanless than   
    2 years3 years   
 B.Non-Resident Accounts
     
  a.NRO (All Maturities)As per domestic Term Deposit rates    
  b.NRE DEPOSITS2.92%2.72%3.08% As on 1.7.2010
    Rate of Interest as on 1.7.2010
    1year to 2year to 3year to 4year to For 5
    less thanless thanless thanless thanyears
    2 years3 years4 years5 years 
  c.FCNR (B)     
  i)USD2.17%1.97%2.33%2.71%3.05%
  ii)EUR2.29%2.35%2.58%2.83%3.07%
  iv)JPY1.67%1.47%1.51%1.55%1.62%
  iv)CADNANANANANA
  v)AUDNANANANANA
 
Interest Rates for Loans: Revised Rate of Interest applicable to various Loan Types W.E.F 15/8/2010
The Cosmos Co-operative Bank Ltd.
(Multistate Scheduled Bank)

RATES AT A QUICK GLANCE
W.E.F : 15 August 2010
Loans
Loans Rate of Interest Processing


Charges
1 Housing Loan Upto More than Above Above


Rs.10 Rs.10 Rs.20 Rs.30


lakhs lakhs lakhs lakhs



upto Upto




Rs.20 Rs.30




lakhs lakhs


Upto 5 years





More than 5 Yrs &





upto 10 Yrs.





More than 10 Yrs





Floating Category 9.00% 9.50% 10.00% 11.50% Rs.1500/- per

Upto 5 years



proposal

More than 5 Yrs &





upto 10 Yrs.





More than 10 Yrs




2 Personal Loan





(a) Consumer Durable Loan 12.00%


Min. Rs.50/- upto Rs.50,000/- (+)







further Rs.1/- Per Thousand

(b) Senior Citizen Loan Scheme N.A. N.A. N.A. N.A. N.A.

c) Personal Loan Scheme(Surety Loan) 12.00%


Min. Rs.50/- upto Rs.50,000/- (+)







Rs.50/- for each part of Rs.50000/-

(d) Cosmo Credit 12.00%


Min. Rs.50/- upto Rs.50,000/- (+)







furthre Re.1/- Per Thousand
3 Vehicle Loan





(a) Two Wheeler Loans 10.00%


Min. Rs.50/- upto Rs.50,000/- (+)







Rs.50/- for each part of Rs.50000/-









(b) Four Wheeler Loans : -






For 60 Months 11.00%


Rs.50/- for each part of Rs.50000/-


For 84 Months 11.50%


Min. Rs.50/- upto Rs.50,000/- (+)








4 Educational Loans














For Study's in india max Rs. 10 lakhs Male Student
10.50%


0.1% of loan amount

For Study's in india max Rs. 10 lakhs Female Student
10.00%


0.1% of loan amount

For Study's abroad max 20 lakhs Male Student
10.00%


0.1% of loan amount

For Study's abroad max 20 lakhs Female Student
9.50%


0.1% of loan amount
 
Interest Rates for NRE Deposit:
 

Applicable Rates for NRE Deposits with effect from 1.08.10 are as follows :

Period

Rate of Interest

1 year to less than 2 years

2.79%

2 years to less than 3 years

249%

3 years

2.82%

 
 

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