Loan Schemes

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1) श्री. शिवाजीभाई ढमढेरे धनसमृद्धी ठेव योजना. 2) मोबाइल बँकिंग सुविधा ग्राहकांसाठी उपलब्ध आहे. 3) UPI सुविधा ग्राहकांसाठी उपलब्ध आहे. 4) As per Section 194 N of Income Tax Act 1961, Deduction of 2% TDS on Cash Withdrawal exceeding INR 20 Lakh's to 1 Crore in a year from the bank account. 5) The increase in insurance coverage from the present level of Rs.1 Lakh to Rs.5 Lakh per depositor by DICGC (Deposit Insurance and Credit Guarantee Corporation).

Loan Schemes

New Loan Interest Rate

Housing Loan (Purchase / Construction )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
1	Rs 1 to 14000000	25	Yes	9.50	240	Cibil Score above 751	9.50
1. Husband and Wife to be taken as Co Borrower. 2. Loan amount will be fixed on agreement value and for house construction amount will be on construction cost. * Note:- One gurantor applied for Housing loan up to 25 lakh.						Cibil Score below 750	11.50

House Repairs

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
2	Rs 1 to 1000000	25	Yes	12.00	60	Cibil Score above 751	12.00
Note:- In house repair house should be in the name of borrower ( house repair in name of family member will not be allowed ) *Note - Minium two guarantor are required.						Cibil Score below 750	14.00

House Repairs

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
2	Rs 1 to 1000000	25	Yes	12.00	60	Cibil Score above 751	12.00
Note:- In house repair house should be in the name of borrower ( house repair in name of family member will not be allowed ) *Note - Minium two guarantor are required.						Cibil Score below 750	14.00

House Repairs and interior decoration

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
3	Rs 1000001 to 2500000	25	No	13.50	84	Cibil Score above 751	13.50
*Note - Minium two guarantor are required.						Cibil Score below 750	14.50

Vehical Loan ( Two Wheeler including Electric Vehical )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
4	Rs 1 to 200000	25 % on Road	No	9.50	36	Cibil Score above 751	9.50
Electric bike Loan of branded company only for Ola ,Bajaj Chetak, TVS iQube, Ather450X etc * Note:- One gurantor applied for two wheeler loan.						Cibil Score below 750	11.50

Vehical Loan ( Two Wheeler including Electric Vehical )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
4	Rs 1 to 200000	25 % on Road	No	9.50	36	Cibil Score above 751	9.50
Electric bike Loan of branded company only for Ola ,Bajaj Chetak, TVS iQube, Ather450X etc * Note:- One gurantor applied for two wheeler loan.						Cibil Score below 750	11.50

Four Wheeler Private ( Four Wheeler including Electric Vehical )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
5	Rs 1 to 5000000	25% on Road	No	9.50	60/84	Cibil Score above 751	9.50
Collateral security is required for loan above 30 lakh. * Note:- One gurantor applied for private four wheeler loan up to 10 lakh.						Cibil Score below 750	11.50

All Commerical Vehical

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
6	Rs 1 to above	30% on Road	Yes	12.00	60	Cibil Score above 751	12.00
Collateral security is required for loan above 50 lakh *Note - Minium two guarantor are required.						Cibil Score below 750	14.00

All Commerical Vehical

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
6	Rs 1 to above	30% on Road	Yes	12.00	60	Cibil Score above 751	12.00
Collateral security is required for loan above 50 lakh *Note - Minium two guarantor are required.						Cibil Score below 750	14.00

Education Loan (Both)

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
7	Rs 1 to 2000000	25	Yes	10.00	60	Cibil Score above 751	10.00
*Note - Minium two guarantor are required.						Cibil Score below 750	12.00

Agriculture loan for allied activties

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
8	Rs 1 to 10000000	30	Yes	11.00	60	Cibil Score above 751	11.00
*Note - Minium two guarantor are required.						Cibil Score below 750	13.00

Agriculture loan for allied activties

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
8	Rs 1 to 10000000	30	Yes	11.00	60	Cibil Score above 751	11.00
*Note - Minium two guarantor are required.						Cibil Score below 750	13.00

MSME Loan ( Micro, Small, Medium Enterprises )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
9	Rs 1 to 45000000	30	Yes	11.00	60/84/120	Cibil Score above 751	11.00
*Note - Minium two guarantor are required.						Cibil Score below 750	13.00

Renewable Energy

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
10	Rs 1 to 1000000	25	Yes	10.00	60/84/120	Cibil Score above 751	10.00
* Note:- One gurantor applied for Renewable Energy.						Cibil Score below 750	12.00

Renewable Energy

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
10	Rs 1 to 1000000	25	Yes	10.00	60/84/120	Cibil Score above 751	10.00
* Note:- One gurantor applied for Renewable Energy.						Cibil Score below 750	12.00

Professional and self employed (Doctor, Advocate, chartered accountant )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
11	Rs 1 to 5000000	25	Yes	11.00	60/84/120	Cibil Score above 751	11.00
*Note - Minium two guarantor are required.						Cibil Score below 750	13.00

Commerical Loan ( Shop Purchase, Commerical Building Purchase, Land and building purchase, Plant purchase,Rent Discounting )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
12	Rs 1 to 45000000	30	No	13.00	240	Cibil Score above 751	13.00
*Note - Minium two guarantor are required.						Cibil Score below 750	14.00

Commerical Loan ( Shop Purchase, Commerical Building Purchase, Land and building purchase, Plant purchase,Rent Discounting )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
12	Rs 1 to 45000000	30	No	13.00	240	Cibil Score above 751	13.00
*Note - Minium two guarantor are required.						Cibil Score below 750	14.00

Builder Loan ( Term Loan, Cash Credit )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
13	Rs 1 to 45000000	30	No	14.50	36	Cibil Score above 751	NA
*Note - Minium two guarantor are required.						Cibil Score below 750	NA

Mortgage Loan / Loan against Property ( LAP )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
14	Rs 1 to 20000000	30	No	14.50	60/84/120	Cibil Score above 751	NA
*Note - Minium two guarantor are required.						Cibil Score below 750	NA

Mortgage Loan / Loan against Property ( LAP )

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
14	Rs 1 to 20000000	30	No	14.50	60/84/120	Cibil Score above 751	NA
*Note - Minium two guarantor are required.						Cibil Score below 750	NA

Other consumer Loan

Sr No	Loan Amount	Margin %	Priority	R.O.I	Tenure	ROI as per Cibil Score
15	Rs 1 to 100000	30	No	13.00	36	Cibil Score above 751	NA
*Note - Minium two guarantor are required.						Cibil Score below 750	NA

Loan on Government Security ( National Saving Certificate, KVP, LIC etc

Sr No	Type of loan	Unsecured/Secured	maximum Amt (Inlakh)	R.O.I	Max period in months	Security Margin
16	Loan on Government Security (National Saving Certificate, KVP, LIC etc)	Secured	70 % of face value or surrender value of NSC, KVP, LIC etc	11.00%	End date of Security	30%

Loan on Government Security ( National Saving Certificate, KVP, LIC etc

Sr No	Type of loan	Unsecured/Secured	maximum Amt (Inlakh)	R.O.I	Max period in months	Security Margin
16	Loan on Government Security (National Saving Certificate, KVP, LIC etc)	Secured	70 % of face value or surrender value of NSC, KVP, LIC etc	11.00%	End date of Security	30%

Loan against Deposit

Sr No	Type of loan	Unsecured/Secured	maximum Amt (Inlakh)	R.O.I	Max period in months	Security Margin
17	Loan against Deposit	Secured	90 % of face value	1 % excess of deposit interest rate	Deposit maturity date	10%

Loan against Daily Collection

Sr No	Type of loan	Unsecured/Secured	maximum Amt (Inlakh)	R.O.I	Max period in months	Security Margin
18	Loan against Daily Colletion	Secured	80% of face value	11.00%	Daily collection maturirty date	20%

Loan against Daily Collection

Sr No	Type of loan	Unsecured/Secured	maximum Amt (Inlakh)	R.O.I	Max period in months	Security Margin
18	Loan against Daily Colletion	Secured	80% of face value	11.00%	Daily collection maturirty date	20%

19. Gold Loan Scheme

Sr No	Details	A	B	C
1	Loan Amount Scheme	Century Gold Loan upto RS 1,00,000.00	Century Gold Loan From Rs. 1,00,001.00 to Rs. 2,00,000.00	Century Gold Loan From Rs. 2,00,001.00 to Rs. 20,00,000.00
2	Loan Type	Bullet Payment	Bullet Payment	Gold EMI
3	Tenure	12 Months	12 Months	60 Months
4	Member Type	Nominal/Member	Member	Member
5	Interest Rate	9.25%	9.25%	11.00%
6	Priority	Yes	Yes	Yes
7	Weaker	Yes	Yes/No	Yes
8	Per 1 Gram rate	4,000.00	4,000.00	4,000.00
9	Loan to Net Value	70%	70%	70%
10	Eligibility for loan approval	Whichever is Low in Sr. No. 8 and 9

Note

For Non Individual customer whose CMR score is between 1 to 3 will applied ROI of above 750 and CMR between 4 to 10 will be applied ROI of below 750.

* Terms and conditions apply, For More information contact to nearest branch.