Amount / Type of Loan |
Revised ROI % p.a. |
All types of Commercial Term Loans and fund based working capital limits |
8.45%* and above for Priority & 8.70%* and above for Non Priority(Depending on Credit Rating and size of exposure)
|
Special Rate of Interest for Pharmaceutical activity and Agriculture and allied agriculture activity |
Additional discount for borrowers having External High Rating |
For Other Advances |
Vehicle Loan for 2 wheeler w.e.f. 01/06/2020 for new loan (Up to 60 months)
(Floating ROI) |
10.50%* |
Vehicle Loan for 4 wheeler |
New Car Loan: ROI are effective from 01.05.2021.
Upto Rs. 20 Lacs |
Up to 3 years
More than 3 years to 5 years |
7.40%*
7.75%* |
Above Rs. 20 Lacs
Up to 3 years
More than 3 years to 5 years
|
7.40%*
8.00%* |
Loan against assignable and tax free bonds |
12.00%* |
Loan against NSC / LIC Overdraft |
10.00%* |
Loan against Gold ROI are effective from 01.01.2021 |
8.50%* |
Share / Mutual Fund / Overdraft |
10.50%* |
Consumer loans for domestic appliances |
13.00%* |
Cosmo – Credit |
10.00% * to 14.00%* |
Cosmos Professional comfort credit (OD) |
ROI for W. Capital & TLs:-
@ 8.25% (Subject to CIBIL above 750)
@8.50%-(CIBIL above 725 -750)
@8.75% (CIBIL above 700-725) |
Cosmos Professional comfort credit (TL) |
ROI for W. Capital & TLs:-
@ 8.25% (Subject to CIBIL above 750)
@8.50%-(CIBIL above 725 -750)
@8.75% (CIBIL above 700-725) |
SHG/JLG |
9.75%*/24% |
Education Loan |
For Female Students |
8.00%* |
For Male Students |
8.40%* |
SME / Cosmo Working Capital Loan Scheme |
11.00%* |
Property Mortgage New Scheme ROI are effective from 01.05.2021 |
If Priority sector advance-Interest Rate-@ 8.75% p.a.
If Non-Priority advance-Interest Rate-@ 9.00 % p.a.
Limit to sanction TL & OD 50%:50% Form.
For Property Mortgage Term Loan Limit of Rs 5cr |
Cheque / Bills Purchase |
18.00%* |
Builder / Promoter Finance |
13.00%* upto Rs. 25.00 crore (T&C apply)
14.00%* Above Rs. 25.00 crore (T&C apply) |
Wind Mill Finance |
Up to Rs. 20 Crs |
13.00%* |
Above Rs. 20 Crs |
12.00%* |
Vendor Finance (Hundi Discounting) |
9.50%* |
Minority Community |
11.00%* |
Housing loan rate of interest for new loan : ROI are effective from 01.05.2021 |
Upto
Rs 70.00 Lakhs |
Floating
ROI:-
Loan AmountROI (p.a.) CIBIL Score
70Lakh 6.70% Above 800
70Lakh 6.90% Above 750 to 800
70Lakh 7.00% Above 700-750
70Lakh 7.25% Below 700
(with Deviations allowed)
|
Cosmo Home Delight Scheme ( top-up ) Unsecured. |
Upto
Rs 20.00 Lakhs 8.00%* |
Cosmos Sukh Shanti Loan scheme |
10.00%* |
Lease Rental Discounting |
9.50%* to 12.50%* |
L. C. Discounting our customers / other customers |
8.75%* |
Cosmos Technosavy Loan Scheme (Laptop) |
11.00%* |
Cosmos Proficiency Add on loan |
11.00%* |
Cosmos Home Décor Loan scheme |
10.50%* |
Cosmo Solar scheme |
9.00%* |
Cosmos Small business loan scheme |
@8.00%
p.a. with “A” Rating
@ 8.25% with ‘B” Rating
@8.50% -“C” Rating/Green Filed/No Credit Rating, |
Cosmos SME Progress Loan |
Floating
Interest Rates:-
@8.00% p.a. with “A” Rating
@ 8.25% with ‘B” Rating
@8.50% For Green Filed/No credit rating. |
Commercial vehicle loan |
10.75%* |
Concession in ROI by 0.50% for Cosmo Krushi Market Finance, Cosmos Medical loan Scheme will continue as it is. *T&C Apply |
Differential Interest Rates applicable to different Categories of Of Exporters on availment of Rupee Export Credits
|
Categories of Export Credit |
Rates Applicable to |
Interest Rates % p.a. w.e.f. 12/01/2017 |
1] Pre shipment Credit |
A] Up to 270 days |
Exporters WITH Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C" |
9.00%* p.a.
9.20%* p.a.
9.45%* p.a. |
B] Up to 270 days |
Exporters WITHOUT Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C" |
9.20% * p.a.
9.45%* p.a.
9.70%* p.a. |
C] Beyond 270 days |
All the exporters irrespective of Credit Rating |
Not exceeding 2%* over & above BPLR i.e. 14.75%*p.a. |
2] Post Shipment Credit |
A] On Demand Bills (For transit period as per FEDAI guidelines) i.e. sight bills or CAD bills |
Exporters WITH Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C" |
9.00%* p.a.
9.20%* p.a.
9.45%* p.a. |
B] On Demand Bills (for transit period as per FEDAI guidelines) i.e. sight bills or CAD bills |
Exporters WITHOUT Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C" |
9.20%* p.a.
9.45%* p.a.
9.70%* p.a. |
C] Usance bills (for total period comprising of usance export bills transit period as specified by FEDAI) |
I] Up to 90 days |
Exporters WITH Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C" |
9.00%* p.a.
9.20%* p.a.
9.45%* p.a. |
II] Up to 90 days |
Exporters WITHOUT Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C" |
9.20%* p.a.
9.45%* p.a.
9.70%* p.a. |
III] Beyond 90 days up to 6 months from shipment date |
Exporters WITH Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C" |
9.00%* p.a.
9.20%* p.a.
9.45%* p.a. |
IV] Beyond 90 days up to 6 months from shipment date |
Exporters WITHOUT Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C" |
9.20%* p.a.
9.45%* p.a.
9.70%* p.a. |
Deferred credit for Period beyond 180 days |
All the exporters irrespective of Credit Rating |
Not exceeding 3.50%* over & above BPLR i.e. 16.25%* p.a. |
3] Export credit not otherwise specified |
I) Pre-shipment Credit |
All the exporters irrespective of Credit Rating |
BPLR + 4%* i.e. 16.75%* p.a. |
I) Post-shipment Credit |
All the exporters irrespective of Credit Rating |
BPLR + 4%* i.e. 16.75%* p.a. |
|