|
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. 10/06/2025 for new loan (Up to 60 months)
|
10.50%* |
|
Vehicle Loan for 4 wheeler
|
New Car Loan: ROI are effective from 10.06.2025.
|
Upto Rs. 30 Lakh
Upto 7 years |
8.35%*
|
Above Rs. 30 Lakh
Upto 7 years
|
8.85%*
|
| Loan against assignable and tax free bonds |
|
| Loan against NSC / LIC Overdraft |
9.50%* |
| 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:-
@ 9.00%* p.a (Subject to CIBIL above 750)
@9.25%* p.a -(CIBIL Score 725 -750)
@9.50%* p.a (CIBIL Score 700-725) |
| Cosmos Professional comfort credit (TL) |
ROI for W. Capital & TLs:-
@ 9.00%* p.a (Subject to CIBIL above 750)
@9.25%* p.a -(CIBIL Score 725 -750)
@9.50%* p.a (CIBIL Score 700-725) |
| Swayamsiddha Loan Scheme for women |
9.75% CIBIL Above 750
10.25% CIBIL Below 750
10.75% CIBIL Below 700 |
| SHG/JLG |
12.50%* p.a / 24.00%* p.a |
|
Education Loan (ROI w.e.f.10.06.2025)
|
| For Female Students |
8.50%* p.a CIBIL Above 750
8.75%* p.a CIBIL Below 750
|
| For Male Students |
8.90%* p.a CIBIL Above 750
9.00%* p.a CIBIL Below 750
|
| Education Loan Takeover (Male/ Female Student) |
8.90%* p.a CIBIL Above 700 |
| Property Mortgage New Scheme ROI are effective from 24.05.2024 |
Rate of Interest For Loans up to Rs.5.00 Crore -
Priority Sector: - @9.75% p.a.
Non-priority Sector:- 10.00% p.a
[Limit to sanction TL & OD 50%:50% Form]
Rate of Interest For loans above Rs.5.00 Crore -
ROI as per commercial Credit Rating
Rate of Interest For greenfield Project -
10.25% for first year, after first year, as per Commercial Credit rating.
|
| Take-Over Property Mortgage Loan |
Priority : 9.50%* CIBIL score above 750/ CMR 1 to 4
Non-Priority : 9.75%* CIBIL score above 750/ CMR 1 to 4
|
| 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 08.07.2025.
|
| Upto Rs 35.00 Lakh |
Floating ROI (p.a.):-
7.80% CIBIL Score Above 800
8.15 % CIBIL Score 750 to 800
8.50 % CIBIL Score 700 to 750
9.05% CIBIL Score Below 700 (with Deviation)
|
| Above Rs 35.00 Lakh to Rs 70.00 Lakh |
Floating ROI (p.a.):-
8.20 % CIBIL Score Above 800
8.55 % CIBIL Score 750 to 800
8.90 % CIBIL Score 700 to 750
9.30 % CIBIL Score Below 700 (with deviation only)
|
| Above Rs. 70.00 Lakh to Rs. 1.40 Crore |
Floating ROI (p.a.):-
8.70 % CIBIL Score Above 800
8.95 % CIBIL Score 750 to 800
9.20 % CIBIL Score 700 to 750 (No Credit History or -1 CIBIL)
9.60 % CIBIL Score Below 700 (with deviation allowed)
|
| Above Rs. 1.40 Crore to Rs. 3.00 Crore |
Floating ROI (p.a.):-
8.70 % CIBIL Score Above 800
8.95 % CIBIL Score 750 to 800
9.20 % CIBIL Score 700 to 750 (No Credit History or -1 CIBIL)
9.60 % CIBIL Score Below 700
|
Housing Loan Take Over w.e.f 08.07.2025
|
|
| upto Rs 35.00 Lakh |
8.10% CIBIL Above 800
8.50% CIBIL Below 800
|
| Above Rs. 35.00 Lakh to Rs. 3.00 Crore |
8.45% CIBIL Above 800
8.85% CIBIL Below 800
|
|
Cosmo Home Top-up.
|
Rate of Interest @9.00% |
| Centres with population of 50 lakh and above |
Loan Limit: ₹15 lakh
Maximum Cost of Dwelling Unit: ₹63 lakh |
| Centres with population between 10 lakh and 50 lakh |
Loan Limit: ₹12 lakh
Maximum Cost of Dwelling Unit: ₹57 lakh |
| Centres with population below 10 lakh |
Loan Limit: ₹10 lakh
Maximum Cost of Dwelling Unit: ₹44 lakh |
| Maximum loan including home loan and top up loan should be restricted to Rs.3.00 Crore per dwelling unit. |
|
Lease Rental Discounting Scheme
|
8.50%* onwards (*T&C apply) |
|
Pharma/ Medical Distributors
|
8.75%* p.a with “A” Rating
9.00%* p.a with “B” Rating
9.25%* p.a Green Field/ No Credit Rating
Above Rs.10.00 Crore to Below Rs.25.00 Crore
13.25%* + Credit Rating
From Rs.25.00 Crore and Above
13.00%* + Credit Rating |
L. C. Discounting
|
7.50 % to 7.75 %* |
| Cosmo Solar scheme |
9.00%* |
| COSMO SMALL BUSINESS LOAN SCHEME (FLOATING) (Up to Rs. 3.00 Crore) |
@9.25%* p.a. with “A” Rating
@ 9.50%* p.a with ‘B” Rating
@10.00%* p.a -“C” Rating |
| COSMO SMALL BUSINESS LOAN SCHEME (FLOATING) (Above Rs. 3.00 Crore Upto Rs. 5.00 Crore) |
@9.50%* p.a. with “A” Rating
@10.00%* p.a with ‘B” Rating
@10.50%* p.a -“C” 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%* (Floating) |
| Cosmo Udyog loan scheme |
@8.50%* p.a. with “A” Rating
@ 8.75%* p.a with ‘B” Rating
@9.25%* p.a "C' 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. |
|