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)
|
10.50%* |
Vehicle Loan for 4 wheeler
|
New Car Loan: ROI are effective from 08.05.2023. Upto Rs. 20 Lakh
|
Up to 3 years More than 3 years to 5 years |
7.65%*
8.00%*
|
Above Rs. 20 Lakh
Up to 3 years More than 3 years to 5 years
|
8.25%*
8.50%*
|
Loan against assignable and tax free bonds |
12.00%* |
Loan against NSC / LIC Overdraft |
9.00%* |
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 |
13.00% * to 13.50%* |
Cosmos Professional comfort credit (OD) |
ROI for W. Capital & TLs:- @ 8.50% (Subject to CIBIL above 750) @8.75%-(CIBIL above 725 -750) @9.00% (CIBIL above 700-725) |
Cosmos Professional comfort credit (TL) |
ROI for W. Capital & TLs:- @ 8.50% (Subject to CIBIL above 750) @8.75%-(CIBIL above 725 -750) @9.00% (CIBIL above 700-725) |
Swayamsiddha Loan Scheme for women |
9.75% CIBIL Above 750 10.25% CIBIL Below 750 |
SHG/JLG |
11.50%*/24% |
Education Loan
|
For Female Students |
8.00% CIBIL Above 750 8.25% CIBIL Below 750
|
For Male Students |
8.40% CIBIL Above 750 8.50% CIBIL Below 750
|
Property Mortgage New Scheme ROI are effective from 08.05.2023 |
If Priority sector advance-Interest Rate-@ 9.50% p.a. If Non-Priority advance-Interest Rate-@ 9.75% 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%* Existing ROI less 1% or 8.25% whichever is higher
|
Minority Community |
11.00%* |
Housing loan rate of interest for new loan ROI are effective from 01.02.2024. Housing loan Takeover rate of interest for new loan ROI are effective from 01.09.2023
|
Upto Rs 35.00 Lakh |
Floating
ROI:-
ROI (p.a.) CIBIL Score
7.70% Above 800
8.05% Above 750 to 800 8.40% Above 700-750
8.95% Below 700
(with Deviations allowed)
|
Above Rs 35.00 Lakh to Rs 70.00 Lakh |
Floating
ROI:-
ROI (p.a.) CIBIL Score
8.10% Above 800
8.45% Above 750 to 800
8.80% Above 700-750
9.20% Below 700
(with Deviations allowed)
|
Above Rs 70.00 Lakh to Rs 140.00 Lakh |
Floating
ROI:-
ROI (p.a.) CIBIL Score
8.60% Above 800
8.85% Above 750 to 800
9.10% Above 700-750
9.60% Below 700
(with Deviations allowed)
|
Housing Loan Take Over
|
|
upto Rs 35.00 Lakh |
8.00% CIBIL Above 800 8.40% CIBIL Below 800
|
Above Rs35.00 Lakh to Rs 140.00 Lakh |
8.35% CIBIL Above 800
8.75% CIBIL Below 800
|
Cosmo Home Top-up.
|
Upto Rs 10.00 Lakh 9.00%* |
Lease Rental Discounting
|
8.50%* to 10.00%* |
Pharma/ Medical Distributors Loan
Upto Rs 10.00 Cr
|
8.25% with “A” Rating 8.50% with “B” Rating 8.75% Green Field/ No Credit Rating |
L. C. Discounting
|
8.75%* |
Cosmo Solar scheme |
9.00%* |
Cosmos Small business loan scheme |
@8.75% p.a. with “A” Rating @ 9.00% with ‘B” Rating
@9.25% -“C” Rating/Green Field/No Credit Rating, |
Cosmos SME Progress Loan |
Floating Interest Rates:-
@8.25% p.a. with “A” Rating
@ 8.50% with ‘B” Rating
@8.75% "C' Rating/Green Field/No Credit Rating, |
Commercial vehicle loan |
10.75%* |
Cosmo Udyog loan scheme |
@8.00% p.a. with “A” Rating
@ 8.25% with ‘B” Rating
@8.75% "C' Rating/Green Field/No Credit Rating, |
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. |
|