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Personal, home, vehicle & other loans

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	Filter Loan type Home / property finance136Personal finance62Vehicle finance83Education finance60Gold finance26Term loan97Overdraft / credit line74 Matches any selected option	Filter Rate Below 7%377–9%699–12%75Above 12%10	Filter Benchmark EBLR39RLLR59MCLR100Repo rate linked32Fixed rate8Floating rate48 Matches any selected option		Filter Minimum income Up to ₹25,00018₹25,001–₹50,0003₹50,001–₹1 lakh1Above ₹1 lakh25	Filter Maximum amount Up to ₹5 lakh34₹5–₹25 lakh35₹25 lakh–₹1 crore18Above ₹1 crore23	Filter Tenure Up to 1 year1061–5 years1555–10 years131Above 10 years91	Filter Processing fee Nil / no fee126Percentage-based fee164Flat rupee fee199Fee has a maximum cap110GST / tax additional132Annual / recurring fee5 Matches any selected option	Filter Prepayment / foreclosure No penalty / charge145Not permitted1Percentage charge49Conditional rules19
Baroda Advance Against Securities (Kisan Vikas Patra / e KVP)Bank of Baroda	Secured loan against investments, deposits or receivables	Demand/term loan: higher of 1.00% over the rate or + + 1.50% overdraft: higher of 1.25% over the rate or + + 1.75% staff: 0.50% over the rate. The current rate sheet shows no effective percentage for these rows.	+ + 1	Value awaiting review	Value awaiting review	No ceiling minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.	overdraft is granted for 12 months and may be extended after satisfactory conduct and review. The /e- page does not publish a fixed tenure.	₹500 + .	For a fixed-rate advance against securities, 1% plus is charged on the amount outstanding at prepayment.
Baroda Advance Against Securities( Life Insurance Policies)Bank of Baroda	Secured loan against investments, deposits or receivables	Demand/term loan: + + 1.50%, effective 9.65% p.a. overdraft: + + 1.75%, effective 9.90% p.a.	+ + 1	Value awaiting review	Value awaiting review	No ceiling the states up to 80%–85% of the policy surrender value. Minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.	Loan up to 60 months overdraft 12 months subject to annual review.	₹500 + .	For a fixed-rate advance against securities, 1% plus is charged on the amount outstanding at prepayment.
Baroda Advance Against Securities (National Savings Certificate)Bank of Baroda	Secured loan against investments, deposits or receivables	Demand/term loan: higher of 1.00% over the rate or + + 1.50% overdraft: higher of 1.25% over the rate or + + 1.75% staff: 0.50% over the rate. The current rate sheet shows no effective percentage for these rows.	+ + 1	Value awaiting review	Resident individuals aged 21 years and above the advance is against with the issuing post office's lien noted and third-party advance is not permitted.	Public customers: no ceiling per individual staff: up to five times gross salary. Minimum ₹3,000 for term/demand and ₹20,000 for overdraft.	Value awaiting review	₹500 + .	For a fixed-rate advance against securities, 1% plus is charged on the amount outstanding at prepayment.
Baroda Advance against the securities (Relief Bonds /Government Bonds)Bank of Baroda	Secured loan against eligible Relief Bonds / Government Bonds	Demand/term loan: + + 1.50%, effective 9.65% p.a. overdraft: + + 1.75%, effective 9.90% p.a.	+ + 1	Value awaiting review	Value awaiting review	No ceiling the states up to 80%–85% of the face value for government savings bonds. Minimum ₹3,000 for loan and ₹20,000 for overdraft.	Loan up to 35 months overdraft is subject to the facility terms and review.	₹500 + .	For a fixed-rate advance against securities, 1% plus is charged on the amount outstanding at prepayment.
Baroda Ashray (Reverse Mortgage Loan)Bank of Baroda	Loan against property / mortgage	+ + 2.35% the official page's 0.00% widget is not treated as an effective rate.	+ + 2	Value awaiting review	Value awaiting review	Up to ₹1 crore including interest over the loan tenure, subject to the property's value.	15 years the tenure may be extended until the borrowers' survival subject to advance property value.	0.20% of the loan amount, with an upfront minimum of ₹8,500 and a maximum of ₹10,000 applicable is extra.	For a fixed-rate Baroda Ashray loan, 1% plus is charged on the amount outstanding at prepayment. The product page separately describes settlement when the last surviving borrower dies, sells the home or permanently moves out.
Baroda Auto Loan for Pre-owned CarBank of Baroda	Pre-owned car loan for used passenger vehicles purchased through approved certified pre-owned car dealers of OEMs.	1-year + + 2.90% to 1-year + + 5.65% effective rate 11.90% to 14.65%.	+ applicable spread the retail-loan table identifies -linked pricing for these vehicle-loan rows.	Value awaiting review	Salaried employees and pensioners: ₹2.50 lakh and above. Businessmen, professionals, directors and agriculture/allied applicants: ₹3.00 lakh and above.	The lowest of 75% of latest market value, 75% of agreement/invoice value, or 100% of insured declared value ().	Maximum 60 months repayment period plus vehicle age from the original invoice date must not exceed 96 months.	0.50% of loan amount plus minimum ₹2,500 plus and maximum ₹10,000 plus .	Floating rate: nil. Fixed rate: nil part-payment up to cumulative ₹40,000 within the first 2 years and nil after 2 years 2% plus applies to the entire prepaid amount when the ₹40,000 threshold is exceeded in the first 2 years or when the account is closed within the first 2 years.
Baroda Car LoanBank of Baroda	Vehicle loan	Floating effective rate 7.60%–11.30% p.a. for a new car fixed effective rate 8.50%–11.20% p.a., subject to the applicant's credit profile and scheme conditions.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	₹2 crore individuals ₹5 crore non-individuals	Up to 84 months.	₹1,500 + up to ₹10 lakh ₹2,000 + above ₹10 lakh	Floating-rate individual borrowers: nil. Fixed-rate loans: nil part payment up to ₹40,000 within the first two years and nil after two years otherwise 2% + during the first two years.
Baroda Car Loan for NRI/PIOsBank of Baroda	/ car loan for new private-use cars	Floating rate for the new-car row: 7.60%–11.30% p.a. the applicable slab is based on the applicant/co-applicant score. The / page also states a 0.25% concession for existing Bank of Baroda home-loan borrowers with a good repayment record and no overdue.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	₹1 crore for all categories	84 months	Car Loan and Digital Car Loan: ₹1,500 + for a loan up to ₹10 lakh, or ₹2,000 + above ₹10 lakh. Direct Car Loan: ₹1,000 + Yoddha customers: nil State/Central/ employees: ₹500 + . The schedule is the unified processing-charge source linked by the car page and applies to the named car-loan variants.	Nil
Baroda CRE Home Loan for NRI/PIOs Max SavingsBank of Baroda	Commercial-real-estate exposure for a third dwelling unit onward or purchase of a plot when the individual already owns two or more houses	Normal / home-loan rate plus 0.25% for published spreads vary by salaried/non-salaried status and loan band, with and loan limit dependence	spreads vary by salaried/non-salaried status and loan band, with and loan limit dependence	Value awaiting review	₹5 lakh equivalent for the applicant/co-applicants whose income is considered	Maximum limit: ₹10 crore in Mumbai, ₹5 crore in other metros and ₹3 crore in urban areas, subject to income, repayment capacity and /margin norms.	Maximum loan period is 30 years, including a maximum moratorium of 36 months repayment applies after the moratorium.	Digital/non-digital/approved-project channels publish 100% processing-charge waiver subject to ₹8,500 + , ₹10,000 + or ₹3,500 + out-of-pocket recovery per property non- takeover login fee ₹1,500 refundable on first disbursement	Nil
Baroda Digital Education LoanBank of Baroda	Digital education loan for Indian students admitted to a full-time course at a listed premier institution in India eligible expenses include tuition, hostel, examination/laboratory/library fees, books/equipment, deposits, insurance and required study/project work.	Floating pricing by premier-institution category: Top 5 IIMs − 1.05% List − 1.00% List A − 0.70% List B + 0.60% List C + 0.80%. Simple interest accrues monthly during the moratorium.	(Bank of Baroda Repo Linked Lending Rate) plus or minus the institution-category spread shown on the page.	Value awaiting review	Value awaiting review	List ₹40 lakh List A ₹30 lakh List B ₹15 lakh List C ₹10 lakh subject to need-based finance and future repayment capacity	Course period plus one year	Nil unified processing charges	Nil pre-closure charges.
Baroda Digital Personal LoanBank of Baroda	Digital personal loan for any purpose other than speculation paperless application and direct disbursement to the account.	1-year + +3.80% to 1-year + +9.15%, based on and internal score. The page displays effective rate as 0.00%.	Floating pricing uses + Strategic Premium + 3.50%–8.85% fixed pricing uses 1-year + Strategic Premium + 3.80%–9.15%. The applicable spread is based on the applicant's score and internal score. Bank of Baroda publishes 7.90% effective 6 December 2025 and 1-year 8.75% effective 12 August 2026 on its retail-rate page.	Value awaiting review	Value awaiting review	Existing-to-bank customers: ₹10 lakh. New-to-bank customers: ₹5 lakh. New-to-credit customers: ₹5 lakh.	Repayment period 12–60 months.	2% of loan amount plus applicable minimum ₹1,000 plus and maximum ₹10,000 plus . Stamp duty is as per the applicable state stamp act.	2% p.a. on overdue instalments, interest and service charges for the actual days of default also 2% p.a. on outstanding credit facilities for non-submission of sanctioned documents, security-perfection breaches or other material sanction non-compliance.
Baroda Education Loan for EDP being offered by Premier Institutions in IndiaBank of Baroda	Education loan	Floating spreads from −1.05% for the top 10 IIMs/IITs to +0.50% for list C institutions fixed spreads vary by category and amount.	spreads from −1	Value awaiting review	Value awaiting review	Up to ₹20 lakh.	Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans maximum 10–15 years after the moratorium.	Nil for all cases ₹7,500 per mortgaged property for advocate and valuer charges.	For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover where there is more than one account, the charge is calculated separately for each account.
Baroda Education Loan to Students of Premier InstitutionsBank of Baroda	Education loan	Floating spread ranges from −1.05% for the top 10 IIMs/IITs to +0.50% for category C institutions the sanctioned rate depends on institution category and security.	spread ranges from −1	Value awaiting review	Value awaiting review	Without collateral: ₹40 lakh for List , ₹30 lakh for List A, ₹15 lakh for List B and ₹10 lakh for List C with collateral, up to ₹80 lakh.	Up to 120 instalments after the moratorium for loans up to ₹7.5 lakh up to 180 instalments for higher amounts.	Nil for study in India. For study abroad, 1% of loan amount capped at ₹10,000 and refundable on first disbursement ₹8,500 per mortgaged property for advocate/valuer charges.	For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover where there is more than one account, the charge is calculated separately for each account.
Baroda Education Loans for EDP being offered by Premier Institutions AbroadBank of Baroda	Education loan	Floating: + 2.00% up to ₹7.50 lakh and + 2.35% above ₹7.50 lakh. Fixed: Base Rate + 2.00% up to ₹7.50 lakh (effective 11.45% p.a.) and + 4.35% above ₹7.50 lakh (effective 12.25% p.a.).	+ 2	Value awaiting review	Value awaiting review	Maximum ₹80 lakh for the -abroad product.	Repayable in maximum 10–15 years after the moratorium for loans up to ₹7.50 lakh the cap is moratorium plus 120 instalments, and above ₹7.50 lakh it is moratorium plus 180 instalments. For the -abroad variant, the moratorium is the course period plus three months.	1% of loan amount capped at ₹10,000, recovered upfront and refundable on first disbursement ₹7,500 per mortgaged property for advocate/valuer charges.	Borrower's own source: nil. Takeover by another lender: 0.50% of the outstanding amount at takeover for more than one account, calculated separately for each account.
Baroda Flexi Loan over Home securityBank of Baroda	Additional top-up loan facility over an existing home loan available as a flexi/top-up facility.	Applicable rate on the linked home loan at top-up availment based on , plus Strategic Premium 0.25% and 0.60%.	, plus Strategic Premium 0	Value awaiting review	Value awaiting review	Minimum ₹1 lakh and maximum ₹10 crore.	Up to the age-based eligible period, irrespective of linked home-loan tenure. begins one month after first disbursement.	0.35%, minimum ₹5,000 and maximum ₹12,500 charges exclude .	Top-up repayment can continue to its sanctioned tenure after linked home-loan closure, but no fresh or enhanced top-up is sanctioned afterward. Existing erstwhile AAA top-up must close within 4 years after linked-loan pre-closure.
Baroda GyanBank of Baroda	Education loan for recognised graduation, post-graduation, professional and other approved courses in India finance is disbursed in stages to the institution or approved vendors.	Floating +2.00% up to ₹7.50 lakh and +1.90% above ₹7.50 lakh defence-child concession +1.10%. Fixed rates are Base Rate +2.00% up to ₹7.50 lakh and +3.90% above it.	+2	Value awaiting review	Value awaiting review	₹1.25 crore for medical and aviation courses ₹25 lakh for other courses.	Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans maximum 10–15 years after the moratorium.	Nil up to ₹7.50 lakh above ₹7.50 lakh, 1% of loan amount capped at ₹10,000 + applicable ₹8,500 per mortgaged property for advocate/valuer charges.	Fixed-rate loan: nil when prepaid from the borrower's own source 0.50% of outstanding when taken over by another lender.
Baroda Home Improvement Loan for NRI/PIOsBank of Baroda	Home loan	/ Home Improvement Loan and / Home Loan Max Savings: floating rate linked to the bank's one-year , ranging from one-year to one-year +1.00%, reset annually and set with reference to applicant/co-applicant . The current one-year is 8.75% effective 12 August 2026, giving a published reference range of 8.75%–9.75% p.a.	and reset annually -linked range is from one-year to one-year +1%	Value awaiting review	are not eligible. Applicants considered for income must have at least two years of overseas work/business and minimum gross annual income equivalent to ₹5 lakh. Maximum tenure is 30 years, with up to 36 months moratorium.	Mumbai ₹10 crore other metros ₹5 crore urban ₹3 crore semi-urban/rural ₹1 crore, subject to income, repayment capacity and /margin.	Maximum 30 years including maximum 36-month moratorium under-construction properties receive 18 months up to the seventh floor plus 6 months per floor thereafter, capped at 36 months.	Processing, documentation, verification/vetting, pre-sanction CPV, one-time post-inspection, legal, valuation, bureau, CERSAI and -verification charges are included current charges are linked from the official service-charge page.	Nil pre-closure charges.
Baroda Home Loan for NRIBank of Baroda	home loan for purchase/construction, residential plot, plot plus construction, takeover, extension/additional construction and reimbursement of own-source construction expenses	Floating daily-reducing balance at monthly rests, linked to one-year and reset annually -linked rate ranges from minimum one-year to maximum one-year +1%, subject to revision	and reset annually -linked rate ranges from minimum one-year to maximum one-year +1%, subject to revision	Value awaiting review	₹5 lakh equivalent for the applicant/co-applicants whose income is considered	Mumbai ₹10 crore other metros ₹5 crore urban areas ₹3 crore, subject to income, repayment capacity and /margin norms	30 years including maximum 36-month moratorium	Baroda Home Loan and Home Improvement Loan: up to ₹50 lakh, 0.50% of loan amount with minimum ₹8,500 and maximum ₹15,000 above ₹50 lakh, 0.25% with minimum ₹8,500 and maximum ₹25,000. Charges are unified and exclude takeover is a flat ₹8,500 upfront. This schedule applies to the / home and home-improvement variants.	Nil
Baroda Home Loan Max Savings for NRI/PIOsBank of Baroda	/ home loan with linked savings-account interest offset	/ Home Improvement Loan and / Home Loan Max Savings: floating rate linked to the bank's one-year , ranging from one-year to one-year +1.00%, reset annually and set with reference to applicant/co-applicant . The current one-year is 8.75% effective 12 August 2026, giving a published reference range of 8.75%–9.75% p.a.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	₹5 lakh equivalent for the applicant/co-applicants whose income is considered	Mumbai ₹10 crore other metros ₹5 crore urban areas ₹3 crore semi-urban/rural ₹1 crore, subject to income, repayment and /margin norms	30 years including maximum 36-month moratorium	Baroda Home Loan and Home Improvement Loan: up to ₹50 lakh, 0.50% of loan amount with minimum ₹8,500 and maximum ₹15,000 above ₹50 lakh, 0.25% with minimum ₹8,500 and maximum ₹25,000. Charges are unified and exclude takeover is a flat ₹8,500 upfront. This schedule applies to the / home and home-improvement variants.	Nil
Baroda Home Loan Takeover SchemeBank of Baroda	Home loan	The takeover page links to the current retail-loan rate table. For Baroda Home Loan to non-staff members, the linked table publishes a floating spread of −0.70% to +1.05% with the table's of 7.90% effective 6 December 2025, that is 7.20%–8.95% p.a. Product risk pricing and borrower terms determine the applicable rate.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	Mumbai ₹20 crore other metros ₹5 crore Hyderabad, New Delhi and Bengaluru ₹7.50 crore urban ₹3 crore semi-urban/rural ₹1 crore Chandigarh/Panchkula/Mohali ₹5 crore.	Maximum 30 years including maximum 36-month moratorium.	Takeover flat ₹8,500. Standard home-loan slabs: up to ₹50 lakh, 50% with minimum ₹8,500 and maximum ₹15,000 above ₹50 lakh, 25% with minimum ₹8,500 and maximum ₹25,000. Top-up: 0.35%, minimum ₹5,000 and maximum ₹12,500. Charges exclude .	The product page states no prepayment penalty and no pre-closure charges borrowers may prepay in part or full from own sources.
Baroda Home Loan to Corporates / Non IndividualsBank of Baroda	Home loan	8.90%–10.40% p.a., based on borrower rating ( plus the applicable strategic-premium spread).	plus a borrower-rating-based strategic premium spread the published effective range is 8.90%–10.40% p.a.	Value awaiting review	Value awaiting review	The corporate states that the maximum is as per the Baroda Home Loan schedule it publishes no separate corporate ceiling. The general Home Loan linked from the page states up to ₹10 crore per individual unit, subject to area and repayment capacity.	Fresh corporate loans: 15 years including the moratorium. Takeover loans: maximum period is the same as with the existing lender.	1% of sanctioned limit, minimum ₹8,500 and maximum ₹1,50,000.	2% of the amount prepaid when partially or fully prepaid within 3 years nil after 3 years.
Baroda Home Suvidha Personal LoanBank of Baroda	Linked personal-loan facility for eligible Baroda Home Loan borrowers to finance specified home-purchase costs.	Applicable Home Loan , including risk premium where applicable and based on the current , plus Strategic Premium plus 0.50% the page does not publish a single effective rate.	Current Bank of Baroda and the linked home-loan pricing rules.	Value awaiting review	Value awaiting review	The states that the maximum home loan can be ₹10 crore per unit depending on the area and that financing can reach 90% of property cost for newly constructed houses/flats under the housing-loan scheme this is context for the linked home loan, not a stated Home Suvidha limit.	Fresh or takeover linked cases follow the maximum term of the sanctioned/proposed Home Loan existing linked cases follow the residual Home Loan period. The facility is co-terminus with the linked Home Loan.	The page’s table, effective 1 April 2025, lists for Baroda Home Loan (all variants): loan up to ₹50 lakh — 50%, minimum ₹8,500 and maximum ₹15,000 above ₹50 lakh — 25%, minimum ₹8,500 and maximum ₹25,000 takeover — flat ₹8,500. The source displays 50%/25% and should be confirmed with the current card-rate schedule because the formatting appears inconsistent with the stated rupee caps.	Value awaiting review
Baroda Loan against Future Rent Receivable (Retail Segment)Bank of Baroda	Secured loan against investments, deposits or receivables	Floating: 10.15% p.a. up to 10 years and 10.40% p.a. above 10 years fixed: 12.15% and 12.40% respectively.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	The service-charge schedule identifies the retail Future Rent Receivables facility as covering loans up to ₹100 crore the product page does not publish a separate universal sanction cap. ↑	Longer repayment period up to 15 years.	One-time processing charge of 1% of the loan amount, subject to a minimum of ₹1,000.	For fixed-rate loans, own-source prepayment is nil for individuals and 1% for non-individuals. Takeover by another lender is 0.50% of outstanding for individuals and 1.50% for non-individuals.
Baroda Loan to PensionersBank of Baroda	Personal loan for pensioners	Digital: + + 2.75% (effective 10.90%) non-digital: + + 3.25% (11.40%) retired /family pensioners: + + 0.60% (8.75%).	+ + 2	Value awaiting review	Value awaiting review	Regular pensioner: ₹8 lakh up to age 70 and ₹5 lakh above age 70. Family pensioner: ₹3 lakh up to age 70 and ₹1.50 lakh above age 70.	60 months for regular/family pensioners up to age 70 36 months for those above age 70.	Nil for pensioners/family pensioners ₹1,000 plus for other pensioners.	Value awaiting review
Baroda Max Savings Home LoanBank of Baroda	Home loan linked to a Bank of Baroda savings account end-of-day balance offsets the interest-bearing outstanding.	Floating spread: up to ₹75 lakh −0.70% to +1.05% above ₹75 lakh −0.45% to +1.30%, for salaried and non-salaried applicants.	Up to ₹75 lakh: −0.70% to +1.05% for salaried and non-salaried applicants.	Value awaiting review	For // applicants whose income is considered, minimum gross annual income equivalent to ₹5 lakh resident applicants are assessed under the published repayment-capacity percentages.	Mumbai ₹20 crore Hyderabad, New Delhi and Bengaluru ₹7.5 crore other metros and Chandigarh tri-city ₹5 crore urban ₹3 crore semi-urban and rural ₹1 crore.	Up to 30 years initially, including a maximum moratorium of 36 months.	Home loan up to ₹50 lakh: 50%, minimum ₹8,500 and maximum ₹15,000. Above ₹50 lakh: 25%, minimum ₹8,500 and maximum ₹25,000. Takeover: flat ₹8,500. Charges exclude .	For a fixed-rate Home Loan: nil when prepaid from the borrower's own source 0.50% of the outstanding amount at takeover by another lender. If more than one account is involved (such as home loan and top-up), charges are calculated separately for each account. The product page separately publishes 'Pre-Closure Charges: Nil' for the Max Savings Home Loan.
Baroda Medi EliteBank of Baroda	Collateral-free education loan for Indian students pursuing full-time medical courses in India who meet the published NEET-rank criteria.	7.20% for PMVLS/ Premier category institutions, 7.40% for category A and 7.90% for other institutions pricing is linked to spreads.	spreads	Value awaiting review	Indian national with NEET rank up to 65,000 for UG or 30,000 for PG, admitted to a full-time medical course co-obligation of parent/guardian and assignment of future income are mandatory.	₹2 lakh minimum and ₹40 lakh maximum margin is nil up to ₹4 lakh, 5% above ₹4 lakh up to ₹7.5 lakh, and nil above ₹7.5 lakh under the published table.	Up to 15 years after the course-period-plus-one-year moratorium up to 120 instalments for loans up to ₹7.5 lakh and up to 180 instalments above ₹7.5 lakh.	Nil processing fee PMVLP charges ₹200 are listed separately.	For a fixed-rate Education Loan: nil when prepaid from the borrower's own source 0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant the product pages do not state a separate floating-rate prepayment charge.
Baroda Mortgage LoanBank of Baroda	Loan against property / mortgage	For tenor up to 120 months and facility up to ₹7.5 crore: + +0.75% to + +3.35% effective 8.90% to 11.50%.	+ +0	Value awaiting review	Resident individual applicants whose income is considered for eligibility should have been employed or engaged in business or profession for at least three years a service break of up to three months may be allowed.	Metro ₹25 crore, urban ₹10 crore, semi-urban ₹5 crore and rural ₹25 lakh.	Term loan up to 180 months overdraft is for 12 months subject to annual review.	Term loan: 1%, minimum ₹8,500 upfront per property and maximum ₹1,50,000. Overdraft up to ₹3 crore: 0.35%, minimum ₹8,500 and maximum ₹75,000 above ₹3 crore: 0.25%, minimum ₹8,500 and no maximum. Charges exclude .	2% within 12 months after initial sanction nil after 12 months. For term loans, charges use the higher of scheduled amortisation balance or outstanding balance.
Baroda Overdraft for E-commerce Business (Amazon/Flipkart)Bank of Baroda	Business overdraft for Amazon and Flipkart e-commerce sellers	+ 2.35% strategic premium.	, with a 2.35% strategic premium.	Value awaiting review	Flipkart identifies eligible sellers from their track record limits are assessed from platform turnover and sales.	Clean overdraft facility from ₹5,00,000 to ₹25,00,000, with the limit assessed from Amazon/Flipkart turnover.	12-month overdraft with a running limit, subject to review after 12 months platform payments are routed to the loan account and monthly interest must be serviced.	₹1,000 per visit plus actual conveyance and out-of-pocket expenses.	Value awaiting review
Baroda Personal LoanBank of Baroda	Unsecured personal loan for personal needs other than speculation individual applications only and co-applicants are not allowed.	Floating effective rate: 10.15%–17.50% by category and -linked spread. Fixed effective rate: 10.95%–18.00% by category and -linked spread.	Floating pricing is linked to plus a -score-based spread fixed pricing is linked to 1 Year plus a category and -score-based spread.	Value awaiting review	Eligible applicants include government, , autonomous-body, public/joint-sector, listed public-company, MNC and recognised educational-institution employees with at least one year continuous service private-company, trust and employees with at least one year insurance agents with at least two years and self-employed professionals or business persons with at least one year stable practice/business. Minimum age is 21 at repayment end, age must not exceed 60 for salaried or 65 for non-salaried applicants. Staff and / applicants are excluded.	Maximum ₹20,00,000, linked to occupation and account relationship. Minimum ₹1,00,000 in metro/urban branches and ₹50,000 in rural/semi-urban branches.	Repayment period is up to 84 months for qualifying government//autonomous-body and national-repute educational-institution employees with a Bank of Baroda salary account up to 72 months for the comparable group using another bank 48–60 months for other eligible employees, agents, professionals and business persons.	Government employees maintaining a Bank of Baroda salary account: nil. Others: 1.00%–2.00% of loan amount plus , minimum ₹1,000 plus and maximum ₹10,000 plus .	The reviewed official page does not publish a separate prepayment or foreclosure charge in its Features, Eligibility, Interest rates & charges or sections.
Baroda Portfolio backed Approved Limit (BOB-PAL)Bank of Baroda	Overdraft limit secured by approved dematerialised securities ()	9.40%–10.25% p.a., linked to /internal score the published spread is + +1.25% to +2.10%.	spread is + +1	Value awaiting review	Value awaiting review	₹1 crore against equity shares ₹5 crore against equity mutual funds, debentures, bonds, sovereign gold bonds and debt mutual funds, in dematerialised form.	12 months for the overdraft limit, extendable after satisfactory conduct and review.	₹1,999 + at sanction and ₹499 + at annual review.	For a fixed-rate Advance Against Securities, the Bank of Baroda service-charge schedule publishes 1% + on the amount outstanding. The product page does not publish a different prepayment rule for .
Baroda Pre-Approved Home LoanBank of Baroda	Home loan	The pre-approved home loan is priced at the prevailing Baroda Home Loan rate. The linked current table publishes a floating spread of −0.70% to +1.05% with the table's of 7.90% effective 6 December 2025, that corresponds to 7.20%–8.95% p.a. before borrower-specific risk pricing.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	Up to ₹10 crore, as listed for Baroda Pre-Approved Home Loan in the current Bank of Baroda Home Loans catalogue. The eventual sanction remains subject to income, score, security value and acceptance.	Up to 30 years, as listed for Baroda Pre-Approved Home Loan in the current Bank of Baroda Home Loans catalogue. The pre-approval itself remains valid for four months, which is separate from the eventual loan repayment tenure.	₹8,500 plus applicable upfront and non-refundable the balance of unified Home Loan processing charges is recovered after sanction. If property papers are submitted within the four-month validity, only the remaining applicable charges are recovered.	Part or full prepayment from the borrower’s own sources is permitted the page does not publish a separate percentage charge for this pre-approved route.
Baroda ScholarBank of Baroda	Education loan	Floating +0.55% for listed premier institutions for non-premier institutions, +2.00% up to ₹7.50 lakh and +1.05% above ₹7.50 lakh. Fixed rates are also published by institution category and amount.	+0	Value awaiting review	Value awaiting review	₹1.50 crore for institutions in the premier-institution list ₹60 lakh for non-premier institutions.	Repayable in maximum 10–15 years after the moratorium. The moratorium is the course period plus one year for the standard Baroda Scholar guideline repayment is capped at 120 instalments for loans up to ₹7.50 lakh and 180 instalments above ₹7.50 lakh.	Nil up to ₹7.50 lakh above ₹7.50 lakh, 1% of loan amount capped at ₹10,000 (refunded on first disbursement for premier institutions) ₹8,500 per mortgaged property and ₹200 PM charge.	Nil when prepaid from the borrower’s own source 0.50% of outstanding amount when taken over by another lender under a fixed-rate loan.
Baroda Top Up Loan for NRI/PIOsBank of Baroda	Top-up loan secured by extending the mortgage over a house already mortgaged for a home loan any purpose except speculative or illegal use.	Applicable Home Loan plus Strategic Premium plus 0.50%.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	Minimum ₹1 lakh maximum ₹2 crore.	Up to the remaining period of the linked home loan.	0.35% of loan amount, minimum ₹5,000 upfront and maximum ₹12,500, plus .	Nil pre-closure charges.
Baroda Two Wheeler LoanBank of Baroda	Vehicle loan	13.65% fixed or 13.60% floating p.a. the page states an additional 0.05% where the individual customer does not opt for group credit-life insurance.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Salaried persons, businessmen, professionals, farmers, and staff/ex-staff under the public scheme borrower minimum age 21 and age at the end of repayment not above 70.	Up to ₹10 lakh.	Up to 60 months.	2% of the loan amount, minimum ₹250 + .	Floating-rate: nil. Fixed-rate: nil part payment up to ₹10,000 within the first two years and nil after two years the page otherwise describes fixed-rate pre-closure conditions.
Baroda VidyaBank of Baroda	School-education loan to a parent or guardian of a student from Nursery through Class XII.	+ + 3.10% p.a. the page also notes a 0.50% concession for female students.	+ + 3	Value awaiting review	Value awaiting review	Up to ₹4 lakh.	Repayable after 12 months from first disbursement in 12 instalments.	No processing charges and no documentation charges.	Value awaiting review
Baroda Yoddha Auto Loan for Defence PersonnelBank of Baroda	Vehicle loan	The linked Baroda Car Loan page publishes new-car floating rates of 7.60%–11.30% p.a. ( −0.30% to + Strategic Premium +3.15%) and fixed rates of 8.50%–11.20% p.a. The applicable rate is based on applicant/co-applicant the Yoddha page links to these car-loan details.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	Up to 90% of the on-road price, with uniform 10% margin credit-life premium may take total up to 95%.	Up to 7 years.	Nil processing charges for the Baroda Yoddha auto-loan offer.	Floating-rate: nil. Fixed-rate: 2% + on the prepaid amount above ₹40,000 during the first year.
Baroda Yoddha Education Loans (all variants)Bank of Baroda	Education loan for children (wards) of defence personnel the Yoddha page states that all other education-loan guidelines remain unchanged.	The Yoddha education rate is the same as the corresponding Baroda education-loan variant. For premier institutions in India, the published floating spreads are −1.05% (Top 10 IIMs/IITs), −0.70% (), −0.50% (A), 0.00% (B) and +0.50% (C). Fixed rates are +1.40% to +2.00% for /A for B and C, up to ₹7.50 lakh is Base Rate +2.00% and above ₹7.50 lakh is +2.85% / +3.05% respectively.	spreads are −1	Value awaiting review	Value awaiting review	Up to ₹1,25,00,000 for studies in India and ₹1,50,00,000 for overseas studies.	The Yoddha page says all other education-loan guidelines remain unchanged the linked Baroda education-loan guideline therefore permits up to 10–15 years after the moratorium, with 120 instalments up to ₹7.50 lakh and 180 instalments above ₹7.50 lakh.	Under the linked Baroda education-loan terms that the Yoddha page says remain unchanged: nil up to ₹7.50 lakh above ₹7.50 lakh, 1% of the loan amount capped at ₹10,000 plus applicable , refunded at first disbursement for premium institutions. A separate ₹8,500 advocate/valuer amount applies where property is mortgaged.	Under the linked Baroda education-loan terms that the Yoddha page says remain unchanged: nil when prepaid from the borrower's own source 0.50% of the outstanding amount when taken over by another lender.
Baroda Yoddha Home Loan for Defence PersonnelBank of Baroda	Home loan	Linked to and reset monthly interest is calculated on a daily-reducing balance.	(Baroda Repo Linked Lending Rate), reset monthly.	Value awaiting review	Value awaiting review	Mumbai ₹20 crore Hyderabad/New Delhi/Bengaluru ₹7.50 crore other metros and Chandigarh/Panchkula/Mohali ₹5 crore urban ₹3 crore semi-urban and rural ₹1 crore.	Maximum 30 years including a moratorium up to 36 months. Under-construction homes receive 18 months up to the seventh floor plus six months per additional floor, capped at 36 months, or one month after completion/possession, whichever is earlier.	Nil processing charge for Baroda Yoddha Home Loan customers ₹8,500 per property out-of-pocket expenses are listed separately in the service-charge schedule.	Value awaiting review
Baroda Yoddha Loan to Defence PensionersBank of Baroda	Pension loan for Bank of Baroda defence pensioners and family pensioners	Digital: + + 2.75% (10.90% shown) non-digital: + + 3.25% (11.40% shown) retired Bank of Baroda/family pensioners: + + 0.60% (8.75% shown).	plus strategic premium (), with the spread varying by channel and pensioner category.	Value awaiting review	Value awaiting review	Regular pensioners: up to ₹8 lakh up to age 70 and ₹5 lakh above age 70 family pensioners: up to ₹3 lakh up to age 70 and ₹1.50 lakh above age 70	60 months for borrowers up to age 70 36 months for borrowers above age 70	The dedicated Yoddha page does not print a separate fee. The linked pensioner page publishes nil for pensioners/family pensioners and ₹1,000 plus for others.	Foreclosure charge is nil
Baroda Yoddha Two-Wheeler Loan for Defence PersonnelBank of Baroda	Vehicle loan for purchase of a new two-wheeler for private use the financed vehicle is hypothecated to the bank.	Fixed 13.65% p.a. (1-year + Strategic Premium +4.65%) floating 13.60% p.a. ( + Strategic Premium +4.25%). An additional 0.05% applies when Group Credit Life Insurance is not taken.	Fixed: 1-year + Strategic Premium +4.65%. Floating: + Strategic Premium +4.25%.	Value awaiting review	Value awaiting review	Up to ₹10,00,000 for all categories.	Maximum repayment period: 60 months.	2.00% of the loan amount, minimum ₹250 plus .	Floating-rate pre-closure: nil. Fixed-rate: nil part-payment up to cumulative ₹10,000 within the first 2 years and nil after 2 years otherwise 2% plus on the entire pre-paid amount within the first 2 years, including closure.
bob Digital Car LoanBank of Baroda	Vehicle loan	Fixed new-car rate 8.50%–9.35% p.a. floating new-car rate 7.60%–8.75% p.a. (-linked). GCLI changes the applicable rate as stated on the page.	-linked)	Value awaiting review	Value awaiting review	Up to 93% financing of a new private-use car the vehicle-loan summary publishes up to ₹50 lakh for bob Digital Car Loan.	12 months to a maximum of 84 months, determined by the amount.	Car Loan and Digital Car Loan: ₹1,500 + for a loan up to ₹10 lakh, or ₹2,000 + above ₹10 lakh. Direct Car Loan: ₹1,000 + Yoddha customers: nil State/Central/ employees: ₹500 + . The schedule is the unified processing-charge source linked by the car page and applies to the named car-loan variants.	Floating-rate individual loans have nil prepayment charge. Floating non-individual loans attract 4% within 6 months and nil thereafter fixed-rate cases follow the published early-payment exceptions and 2% + rule.
bob Eco-SaarthiBank of Baroda	Education loan for resident Indian students pursuing recognised environmental, social and governance (ESG) diploma, graduation or post-graduation courses.	For Vidyalakshmi/Baroda Gyan institutions: TOP 10 IIMs/IITs 7.10%, 7.45%, A 7.65%, B 8.15%, C 8.65%. Other institutions: +2.00% up to ₹7.50 lakh and +1.90% above ₹7.50 lakh.	+2	Value awaiting review	The page does not state a minimum rupee income eligibility is based on resident-Indian status and admission to a recognised /Government/-approved course.	Maximum finance up to ₹25 lakh.	Course period plus one year moratorium repayment maximum 120 instalments up to ₹7.50 lakh and 180 instalments above ₹7.50 lakh.	Nil up to ₹7.50 lakh. Above ₹7.50 lakh: 1% of loan amount, maximum ₹10,000 plus , recovered upfront. Where property is mortgaged, ₹8,500 plus taxes is charged upfront for advocate and valuer expenses.	For a fixed-rate Education Loan: nil when prepaid from the borrower's own source 0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant the product pages do not state a separate floating-rate prepayment charge.
bob Green Home LoanBank of Baroda	Home loan for purchase, construction, built units or renovation/improvement of a certified green residential property standalone plot purchase is not permitted.	10 basis-point concession on the applicable Home Loan , subject to the minimum floor rate.	The applicable Baroda Home Loan rate and spread are used, with the 10 bps green-property concession applied subject to the scheme floor rate.	Value awaiting review	Indian citizens, and , including salaried, self-employed professionals and businesspersons, who qualify under the existing Baroda Home Loan scheme valid IGBC, GRIHA, LEED or other approved green certification is required minimum age 21 and maximum age 60.	Maximum finance follows the limits and repayment-capacity norms of the existing Baroda Home Loan product.	Up to 30 years under the existing Home Loan scheme term cannot exceed retirement or age 65, whichever is earlier.	50% concession on the applicable home-loan card-rate fee any upfront fee remains payable under extant Bank of Baroda guidelines.	For a fixed-rate Home Loan: nil when prepaid from the borrower's own source 0.50% of the outstanding amount at takeover by another lender. If more than one account is involved (such as home loan and top-up), charges are calculated separately for each account. The product page separately publishes 'Pre-Closure Charges: Nil' for the Max Savings Home Loan.
bob Green WheelBank of Baroda	Electric-vehicle loan for eligible green two-wheelers and three-wheelers (bob Green Wheel)	Fixed 8.50%–11.05% p.a. floating 7.60%–11.15% p.a. for a new electric vehicle.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Salaried employees, businessmen, professionals, farmers, eligible companies/firms and / minimum borrower age 21 and maximum age at end of repayment 70 minimum CIBIL 701 or −1 is eligible.	Up to ₹5 crore for private-use vehicles (individual maximum ₹3 crore) up to 90% of on-road price.	Up to 84 months salaried individuals with CIBIL 726 or above may receive up to 96 months. Fixed-rate minimum is 37 months.	₹750 + up to ₹10 lakh ₹1,000 + above ₹10 lakh.	Nil part-payment charges up to a cumulative ₹10,000 within two years of first disbursement nil prepayment charges after two years. If the amount exceeds ₹10,000 within the first two years, or the account is closed within two years, 2% + applies to the entire pre/part-paid amount.
bob Insta Personal LoanBank of Baroda	Digital personal loan available as demand loan or term loan.	Starting from 10.65% at present fixed and floating rate regimes are available.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	₹50,000 to ₹15 lakh.	36 to 60 months.	2% of loan amount excluding , maximum ₹15,000 excluding special concessions may apply to government employees.	Floating rate: nil. Fixed rate: 3% plus on the prepaid amount during the first 3 years.
Commission Agents Loan ArthiasBank of Baroda	Overdraft facility	One-year + Strategic Premium + 2.00%.	+ Strategic Premium + 2	Value awaiting review	Value awaiting review	Minimum ₹25,000 maximum ₹1 crore for rural, semi-urban and urban branches and ₹2 crore for metro branches.	Value awaiting review	Value awaiting review	Value awaiting review
Credit Risk Guarantee Fund Scheme for Low Income HousingBank of Baroda	Home loan	The page directs applicants to the retail-loan rate table. For the linked Baroda Home Loan non-staff floating band, −0.70% to +1.05% applies with 7.90% effective 06 December 2025, that is 7.20%–8.95% p.a. The sanctioned rate remains subject to the eligible-loan category and borrower risk pricing.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	New / urban borrowers seeking a housing loan up to ₹8 lakh for a dwelling up to 430 sq ft (40 sq m) carpet area, without collateral or third-party guarantee. Groups/housing societies of at least 20 eligible members may also qualify. household income is up to ₹1 lakh a year	Housing loan up to ₹8 lakh per eligible borrower the page also describes a unit size up to 430 sq ft (40 sq m) carpet area.	Guarantee cover runs for the agreed housing-loan tenure, capped at 25 years or the loan-termination date, whichever is earlier.	Linked retail home-loan schedule: 50% of the applicable charge with minimum ₹8,500 and maximum ₹15,000 up to ₹50 lakh 25% with minimum ₹8,500 and maximum ₹25,000 above ₹50 lakh. is extra scheme-specific applicability follows sanction terms.	Value awaiting review
Digital Two-Wheeler LoanBank of Baroda	End-to-end digital loan for purchase of a new two-wheeler.	1-year plus 2.00% to 3.50%, stated as 10.75% to 12.25% a 0.50% concession is available for women borrowers and EV buyers, subject to the non-clubbing rule.	plus 2	Value awaiting review	Salaried: minimum average net salary ₹20,000 over the last three months, or ₹25,000 for new-to-credit salaried customers self-employed: minimum gross annual income ₹2.40 lakh.	₹3 lakh minimum ₹50,000. The product benefits mention up to 93% financing and specifies 7% margin.	12 to 60 months.	2% of loan amount, minimum ₹1,000 plus .	Nil part-payment charges up to a cumulative ₹10,000 within two years of first disbursement nil prepayment charges after two years. If the amount exceeds ₹10,000 within the first two years, or the account is closed within two years, 2% + applies to the entire pre/part-paid amount.
Enhanced Earned Salary Advance Drawls Access SchemeBank of Baroda	Digital earned-salary advance facility	Fixed interest rate of 11.50% p.a.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	Minimum ₹10,000 and maximum ₹25 lakh. For 1, 3 and 24 months, the maximum is 50% of last-drawn net salary multiplied by the selected tenure, subject to the ₹25 lakh ceiling.	Repayment variants are 1 month, 3 months and 24 months. Maximum age is 59 years 6 months for the 1/3-month options and 57 years 6 months for the 24-month option minimum age is 21.	Processing charge nil and prepayment charge nil. Penal charge is 2% p.a. on overdue amounts during default, including specified document or security non-compliance.	Nil prepayment charges. The scheme's fees page states nil prepayment charges delayed-payment and document/security non-compliance penalties are separate.
Government of India Interest Subsidy Schemes for Education LoanBank of Baroda	Education loan	The page publishes product-specific /-plus-spread rows for Baroda Vidya, Baroda Gyan, premier-institution loans, Baroda Scholar, Executive Development, Digital Education Loan and Skill Loan effective rate during the subsidy period is shown as 0.00%. Additional risk premium of 0.10% applies above ₹7.50 lakh when Group Credit Life/Life Insurance cover is not obtained.	/-plus-spread rows for Baroda Vidya, Baroda Gyan, premier-institution loans, Baroda Scholar, Executive Development, Digital Education L	Value awaiting review	Gross parental/family income from all sources must be up to ₹4.50 lakh per year an authorised State/UT income certificate is obtained at sanction.	The Bank’s current table states a maximum subsidy-linked loan amount of ₹7.50 lakh from 2018–19 onward and ₹10 lakh before that the 2022 -USP guideline separately states subsidy up to ₹10 lakh while collateral-free guarantee cover is required up to ₹7.50 lakh.	Value awaiting review	Value awaiting review	Value awaiting review
Higher Education and Skill Development Guarantee Scheme for Pursuing Higher Education in DelhiBank of Baroda	Education loan	+ 2.00% p.a. up to ₹7.50 lakh and + 1.75% p.a. above ₹7.50 lakh. A 1% concession may apply if interest is serviced during study and the moratorium.	+ 2	Value awaiting review	Value awaiting review	Need-based finance up to ₹10 lakh for studies in Delhi ordinarily up to ₹7.5 lakh may be covered by the Government of India education guarantee route when its conditions are met.	Course period plus one year repayment holiday, followed by repayment in equal monthly instalments over 15 years for all categories. A course-completion extension of up to two years may be considered in the stated circumstances.	No processing charges may be levied under the scheme.	Nil. No prepayment penalty is levied at any time during the repayment period.
Home Improvement LoanBank of Baroda	Home loan	−0.70% to +1.05% for salaried and non-salaried non-staff applicants rate depends on loan limit and score. The page displays effective rate as 0.00%.	Floating rate linked to and reset monthly.	Value awaiting review	are not eligible. Resident income applicants need at least one year of salaried service or two years of non-salaried business/profession. // income applicants generally need two years overseas employment/business and gross annual income equivalent to ₹5 lakh.	Up to ₹50 lakh subject to eligibility.	Up to 15 years including the moratorium.	Home-loan processing slabs apply: up to ₹50 lakh, 50% with minimum ₹8,500 and maximum ₹15,000 above ₹50 lakh, 25% with minimum ₹8,500 and maximum ₹25,000 takeover flat ₹8,500. Charges exclude .	The product follows the home-loan scheme’s no-prepayment-penalty treatment.
Baroda Home LoanBank of Baroda	Home loan	−0.70% to +1.05% for salaried and non-salaried non-staff applicants rate depends on loan limit and score. The page displays effective rate as 0.00%.	Interest is linked to the Bank of Baroda Repo Linked Lending Rate (), reset monthly, and charged on a daily reducing balance.	Value awaiting review	Income-counted applicants must be employed for at least 1 year if salaried or engaged in business/profession for at least 2 years a service break up to 3 months may be allowed.	Mumbai ₹20 crore Hyderabad, New Delhi/NCR and Bengaluru ₹7.50 crore other metros ₹5 crore urban ₹3 crore semi-urban/rural ₹1 crore Chandigarh, Panchkula and Mohali ₹5 crore.	Up to 30 years, subject to the borrower’s retirement age or completion of 65 years, whichever is earlier.	For all channels: up to ₹50 lakh, 50% with minimum ₹8,500 and maximum ₹15,000 above ₹50 lakh, 25% with minimum ₹8,500 and maximum ₹25,000 takeover flat ₹8,500. Charges exclude .	Nil pre-closure charges.
Home Loan scheme for EWS, LIG & MIG Individuals - Urban AreasBank of Baroda	Home loan	Value awaiting review	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Applicant annual income up to ₹9 lakh a regular income source and at least 12 months of Bank-account or transaction history are required.	Metro centres: ₹35 lakh with maximum project cost ₹45 lakh. Other centres: ₹25 lakh with maximum project cost ₹30 lakh. Home improvement: ₹10 lakh metro and ₹6 lakh other centres.	The page's home-loan states a maximum home-loan term of 30 years, ending no later than retirement or age 65, whichever is earlier it does not publish a separate //-specific term.	Processing charge is stated as nil legal and valuation out-of-pocket expenses are recovered at actual cost capped at ₹5,000 plus .	Part or full prepayment from the borrower’s own sources is permitted. The reviewed // page does not state a percentage or rupee prepayment charge for this scheme applicable Bank of Baroda home-loan rules and the sanction terms govern any charge.
Loan Against FCNR (B) Deposits in Foreign Currency in IndiaBank of Baroda	Secured loan against investments, deposits or receivables	1.50% p.a. over six-month on the loan date or 1.50% over the (B) deposit rate, whichever is higher.	1.50% p.a. over the six-month rate on the loan date or 1.50% over the (B) deposit rate, whichever is higher	Value awaiting review	Value awaiting review	Up to 95% of the (B) deposit amount, subject to margin rules foreign-currency loans are available without a ceiling to the depositor or third party under those rules.	Value awaiting review	Value awaiting review	Value awaiting review
Loan for Public Issues-IPOBank of Baroda	Loan against public issue / application	+ Strategic Premium + 4.00% the page displays a 0.00% effective rate in its subsidy-style table.	+ Strategic Premium + 4	Value awaiting review	Value awaiting review	Maximum loan amount ₹10 lakh. Margin is 50% of issue price including premium or bid price.	Loan period is 90 days the official benefits section also describes repayment within 90 days and a loan-continuation option.	Service charge is ₹300 excluding under the schedule shown on the official page.	Value awaiting review
Loans Against FCNR (B) Deposits in RupeesBank of Baroda	Loan or overdraft against (B) fixed deposit, disbursed in non-repatriable Indian rupees	Self advance: + 100 bps. Third-party advance up to ₹2 lakh: + 100 bps above ₹2 lakh, + 300 bps for personal purpose or + 400 bps for business purpose.	+ 100 bps	Value awaiting review	Value awaiting review	For the depositor’s own advance: up to 90% of the deposit’s present value with 10% margin. For a third-party advance: up to 80% of present value or ₹100 lakh, whichever is lower, with 20% margin.	Value awaiting review	Value awaiting review	Value awaiting review
Loans/Overdrafts Against Security of Non-Resident (Rupee) Fixed DepositsBank of Baroda	Secured loan against investments, deposits or receivables	For deposits of 12–60 months, the loan/overdraft is charged at the same interest rates as deposits. The page directs customers to the current rate schedule and nearest branch for the applicable rate.	For deposits of 12–60 months, the loan/overdraft is charged at the same interest rates as deposits the page directs customers to the current rate schedule for the applicable rate	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Mortgage Loan for NRIBank of Baroda	Loan against property / mortgage	For Baroda Mortgage Loan individuals, the current floating rate is 8.90%–11.50% p.a. ( + strategic premium + 0.75% to 3.35%), subject to risk rating. The retail rate page notes additional pricing for tenor above 120 months, limits above ₹7.50 crore and overdraft facilities the product page itself permits term loan or demand loan only.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Minimum gross annual income, averaged over the last 3 years, is ₹5 lakh, including co-applicant income counted for the limit.	Loan available up to ₹25 crore.	Term loan: 120 months overdraft: 12 months, subject to annual review.	From the second post-sanction inspection onward, ₹100 plus per inspection is charged to the borrower.	For an individual Mortgage Loan, the fixed-rate home/mortgage schedule publishes nil own-source prepayment and 0.50% of outstanding at takeover by another lender. The product page does not publish a separate conflicting rule floating-rate accounts remain subject to the applicable sanction terms.
Mudra LoanBank of Baroda	business finance is available as a term/demand loan or a working-capital facility for eligible non-farm micro and small enterprises.	Rate of interest is as applicable to the Bank of Baroda sector pricing mechanism and is revised from time to time the page does not publish one fixed rate for every Mudra borrower.	Value awaiting review	Value awaiting review	Value awaiting review	Up to ₹20 lakh: Shishu up to ₹50,000 Kishore ₹50,001–₹5 lakh Tarun ₹5,00,001–₹10 lakh Tarun Plus ₹10,00,001–₹20 lakh for borrowers who repaid a Tarun loan.	Term/demand facility up to 84 months with suitable moratorium and annual review working-capital facility 12 months subject to annual review.	Nil for all categories.	Nil pre-closure charges.
PM-Surya Ghar Yojana-CompositeBank of Baroda	Composite solar-rooftop loan under -Surya Ghar Yojana	5.75% p.a. at present for a loan up to ₹2 lakh above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	Maximum loan limit ₹6,00,000 financing is up to 90% of project cost.	Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.	Nil irrespective of loan amount under the scheme applicable State Government stamp duty is extra.	Value awaiting review
PM-Surya Ghar Yojana -StandaloneBank of Baroda	Standalone solar-rooftop loan under -Surya Ghar Yojana	5.75% p.a. at present for a loan up to ₹2 lakh above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Value awaiting review	Maximum loan limit ₹6,00,000 financing is up to 90% of project cost.	Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.	Nil irrespective of loan amount under the scheme applicable State Government stamp duty is extra.	Value awaiting review
Pradhan Mantri Awas Yojana – Urban 2.0Bank of Baroda	Home loan under the -Urban 2.0 Interest Subsidy Scheme	Value awaiting review	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Annual household income up to ₹9 lakh across , and groups the page does not publish a separate minimum income amount.	Home loan up to ₹25 lakh property value up to ₹35 lakh	Value awaiting review	Nil fees are listed for the 2.0 scheme	Value awaiting review
Pradhan Mantri Vidyalaxmi SchemeBank of Baroda	Education loan under the Pradhan Mantri Vidyalaxmi Scheme	Top 10 IIMs/IITs 6.85% 7.20% A 7.40% B 7.90% C 8.40%.	Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.	Value awaiting review	Interest subsidy is available up to ₹10 lakh, with 100% subvention for eligible families up to ₹4.50 lakh and 3% subvention for family income above ₹4.50 lakh up to ₹8 lakh.	Value awaiting review	Course period plus one year moratorium, followed by repayment up to 15 years.	Nil unified processing charges.	Value awaiting review
Skill Loan SchemeBank of Baroda	Skill-development education loan	+ 1.50%, effective rate 9.40% in the published table girl students receive a 0.50% concession subject to the floor at .	+ 1	Value awaiting review	Value awaiting review	₹5,000 minimum to ₹7,50,000 maximum.	Up to 3 years for loans up to ₹50,000 up to 5 years for ₹50,000–₹1 lakh up to 7 years above ₹1 lakh.	Nil processing and documentation charges.	For a fixed-rate Skill Loan, nil when prepaid from the borrower's own source and 0.50% of outstanding when taken over by another lender. The official product page publishes this table under Pre-payment charges.
Bank of India Gold LoanBank of India	Secured loan against pledged gold jewellery, ornaments or coins for agriculture-related activity, business-related activity or consumption needs overdraft facility is available.	Activity-based pricing is published as: Agriculture at 1 Year + BSS 0.15% Agriculture–Food & Agro at RBLR + 0.25% at RBLR + 0.65% Retail at RBLR + 1.05%. The page does not show a single present rupee-rate percentage for all activity types.	Activity-specific benchmarks are 1 Year for agriculture and RBLR for Agriculture–Food & Agro, and retail, with published BSS/ spreads.	Value awaiting review	Value awaiting review	Loan-to-value is up to 85% of gold value. Minimum loan amount is ₹20,000 and maximum loan amount is ₹30 lakh.	Value awaiting review	Including proposal processing, documentation and inspection: up to ₹50,000 nil above ₹50,000 to ₹1 lakh ₹250 above ₹1 lakh to ₹5 lakh ₹500 above ₹5 lakh to ₹10 lakh ₹1,000 above ₹10 lakh ₹1,500. Applicable is extra.	Value awaiting review
Star Education Loan — Studies AbroadBank of India	Regular full-time degree or postgraduate courses at a recognized institution abroad tuition, hostel, books, computer, passage money, deposits, optional life insurance and other education costs may be financed.	For the standard Star Education Loan bands, current sheet shows 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and 1 Year RBLR + 1.50% (presently 9.60% p.a.) above ₹7.50 lakh girl/professional-course concessions may apply.	1 Year RBLR plus the published education-loan spread the current rate sheet gives 9.80%/9.60% p.a. present rates by loan size.	Value awaiting review	Value awaiting review	Up to ₹1.50 crore for medical courses excluding nursing and non-medical courses finance is need-based and subject to earning potential.	Moratorium up to course period plus 1 year repayment up to 15 years from commencement of repayment.	A refundable ₹10,000 charge excluding is stated for study-abroad applications it is refunded once the actual loan is availed for limits up to ₹20 lakh. portal charge is ₹100 plus 18% scheme-deviation bands are ₹500/₹1,500/₹3,000 by amount.	No prepayment penalty.
Star Education Loan — Studies in IndiaBank of India	Regular full-time degree or postgraduate courses in India at recognized institutions fees, hostel, books, equipment, computer, deposits, optional life insurance and related education costs may be financed.	Current rate sheet: up to ₹7.50 lakh, 1 Year RBLR + 1.70%, presently 9.80% p.a. above ₹7.50 lakh, 1 Year RBLR + 1.50%, presently 9.60% p.a. Girl students and professional-course students may receive the published 0.50% concession.	1 Year RBLR (Repo-linked benchmark lending rate) plus the published education-loan spread current sheet shows 9.80%/9.60% p.a. present rates by loan size.	Value awaiting review	Value awaiting review	Up to ₹1.50 crore for medical courses excluding nursing and for non-medical courses finance is need-based and subject to earning potential.	Moratorium up to the course period plus 1 year repayment period up to 15 years from commencement of repayment.	No processing charge. portal charge ₹100 plus 18% scheme-deviation charge ₹500 up to ₹4 lakh, ₹1,500 above ₹4 lakh to ₹7.50 lakh, and ₹3,000 above ₹7.50 lakh.	No prepayment penalty.
Star Education Loan — Working ProfessionalsBank of India	Part-time or distance education in India, including listed online/offline executive diploma or certificate programmes under the Star Vidya Loan scheme.	Standard education bands: 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and +1.50% (presently 9.60% p.a.) above ₹7.50 lakh published girl-student concession may apply.	1 Year RBLR plus the published education-loan spread current sheet shows 9.80%/9.60% p.a. by loan size.	Value awaiting review	Value awaiting review	Maximum loan amount up to ₹20 lakh, subject to need and earning potential.	No moratorium after course completion repayment is by age 60 or 10 years after course completion, whichever is earlier.	No processing charge. portal charge ₹100 plus 18% and scheme-deviation charges may apply.	No prepayment penalty.
Star Home LoanBank of India	Purchase, construction, extension, renovation, furnishing, takeover, solar photovoltaic and Smart Home Loan overdraft purposes are listed.	Starts from 7.10% p.a. linked to score and calculated on a daily reducing balance.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Up to 360 months a holiday or moratorium up to 36 months is also stated for eligible construction cases.	Individuals: 0.35% of loan amount, minimum ₹1,500 and maximum ₹35,000. Non-individuals: 0.50%, minimum ₹3,000 and maximum ₹40,000.	Value awaiting review
Star Loan Against PropertyBank of India	Loan against property with instalment-repayment and reducible Mortgage facilities takeover/balance transfer with additional loan is available.	Starts from 8.85% p.a. linked to Personal Score for individuals and calculated on a daily reducing balance.	Value awaiting review	Value awaiting review	Value awaiting review	Reducible Mortgage facility is available up to ₹1,500 lakh (₹15 crore). The page also states starting at ₹1,005 per lakh the universal term-loan maximum is not separately stated.	Up to 180 months holiday or moratorium up to 6 months is stated.	Instalment loan: one-time 1.00% of sanctioned amount, minimum ₹5,000 and maximum ₹50,000. Mortgage : 0.50% of sanctioned limit, minimum ₹5,000 and maximum ₹30,000 in year one 0.25% of reviewed limit, minimum ₹2,500 and maximum ₹15,000 in later years.	Value awaiting review
Star Mitra Personal LoanBank of India	Clean personal loan without pledging security, intended to purchase durable and sophisticated aids or appliances for physical and social rehabilitation.	RBLR + 1.30%, presently 9.40% p.a. DRI cases are stated at 4%. Interest is calculated on a daily reducing balance.	RBLR plus 1.30% current rate sheet shows 9.40% p.a. present rate.	Value awaiting review	Value awaiting review	Maximum limit up to ₹2 lakh. Maximum quantum is 15 times net monthly salary for salaried applicants or 100% of net annual income for self-employed applicants.	Up to 60 months.	Nil processing charge the current rate sheet also lists the charge as waived.	Value awaiting review
Star Pensioner LoanBank of India	Pensioner loan available as a secured facility or a clean facility without pledging security.	Starts from 10.85% p.a. interest is calculated on a daily reducing balance.	The page publishes daily reducing-balance interest but no separate named benchmark.	Value awaiting review	Value awaiting review	Maximum amount up to ₹10 lakh. Maximum quantum is 20 times net monthly pension for a secured loan and 15 times for a clean loan.	Up to 60 months.	Senior citizens: nil processing charge. Others: 0.50% of loan amount, minimum ₹250 and maximum ₹1,000.	Value awaiting review
Star Personal LoanBank of India	Clean, unsecured personal-loan facility no pledge of security is required. More than one personal loan may be availed subject to Bank assessment.	Starts from 11.85% p.a. linked to the borrower’s Personal Score and calculated on a daily reducing balance.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Up to 84 months.	1.00% of loan amount, minimum ₹2,500 and maximum ₹15,000. Differently abled customers receive nil processing charges under the published concession.	Value awaiting review
Star PM-Vidyalaxmi Education LoanBank of India	Regular degree or diploma courses conducted by one of 860 quality higher-education institutes in India parents or guardians join as co-borrowers.	Starting from 7.00% p.a. under the -Vidyalaxmi page current rate sheet also publishes Star Vidyalaxmi categories: Category A 6.85%, Category B 7.50% and Category C 8.40% p.a., subject to category terms.	The page refers to RBLR the current rate sheet publishes Star Vidyalaxmi category spreads against RBLR, with present rates of 6.85%, 7.50% and 8.40% p.a.	Value awaiting review	For the -Vidyalaxmi facility, the page does not publish a universal minimum income threshold. It does publish interest-subvention family-income bands of up to ₹4.50 lakh and above ₹4.50 lakh to ₹8 lakh for specified support, which are subsidy conditions rather than a general eligibility floor.	The page does not publish one universal maximum loan amount finance is for the documented cost of the approved course and expenses.	Moratorium up to the course period plus 1 year repayment up to 15 years from commencement of repayment.	Nil processing charge. portal and third-party charges may apply where stated by the scheme.	No prepayment penalty.
Star Pradhanmantri Kaushal Rin YojanaBank of India	Loan for individuals undertaking eligible skill-development courses in India parent joins as joint borrower and Credit Guarantee Fund Scheme for Skill Development (CGFSSD) cover is stated.	1 Year RBLR + 1.50%, presently 9.60% p.a. a 1% concession may apply when interest is serviced during the study-period repayment holiday, with no concession after repayment begins.	RBLR plus 1.50% the current sheet shows a present rate of 9.60% p.a.	Value awaiting review	Value awaiting review	The Features section says ₹5,000 to ₹1.50 lakh can be considered, while the Quantum section says ₹5,000 to ₹7.50 lakh. Both official statements are retained because they conflict confirm the applicable current cap with BOI before applying.	Value awaiting review	Nil processing charge. portal and third-party charges may apply where stated by the scheme.	Value awaiting review
Star Progressive Education LoanBank of India	Loan to parents of students in recognized Indian schools: pre-school, primary, upper primary, secondary and senior secondary stages.	RBLR plus 1.70% p.a., presently 9.80% children of Bank staff and their spouses are shown at RBLR plus 0.70%, presently 8.80%. Girl students may receive a 0.50% concession.	RBLR (Repo-linked benchmark lending rate) plus the published 1.70% standard spread a 0.70% staff-family spread is also published.	Value awaiting review	Value awaiting review	Maximum cap ₹4 lakh for each stage.	Value awaiting review	Value awaiting review	No prepayment penalty.
Star Reverse Mortgage LoanBank of India	Reverse mortgage secured by the borrower’s unencumbered residential house or flat repayment proceeds are based on property value and borrower age.	RBLR + 2.60%, presently 10.70% p.a.	RBLR plus 2.60% current rate sheet shows 10.70% p.a. present rate.	Value awaiting review	No monthly-income, gross-income or pension-as-only-source condition is required the page explicitly says there is no such income criterion.	Minimum loan ₹5 lakh and maximum loan ₹50 lakh. Property-value margin is 35% to 55% depending on borrower age.	Up to 180 months.	0.25% of sanctioned limit, minimum ₹1,500 and maximum ₹10,000. Valuation and advocate fees are borne by the borrower annual service charge is 0.25% of outstanding/recoverable loan at annual review.	Value awaiting review
BOI Star Rooftop Solar Panel Finance LoanBank of India	Finance for rooftop solar-panel installation under the Surya Ghar product individual borrowers and registered group housing societies/residential welfare associations are covered.	Starts from 5.75% p.a. the current rate sheet lists individuals up to ₹2 lakh at RBLR − 2.35%, presently 5.75%, and above ₹2 lakh at RBLR, presently 8.10% p.a.	RBLR (Repo-linked benchmark lending rate) current sheet shows RBLR − 2.35% up to ₹2 lakh and RBLR above ₹2 lakh for individuals.	Value awaiting review	Value awaiting review	Individuals: maximum ₹6 lakh, with quantum up to ₹2 lakh for systems up to 3 kW and up to ₹6 lakh for systems above 3 kW to 10 kW. Housing societies: maximum ₹100 lakh.	Up to 120 months.	Nil processing fee the product page also states PPC nil.	Value awaiting review
Star Suvidha Express Personal LoanBank of India	Clean, unsecured personal-loan facility without pledging security more than one personal loan may be availed.	Starts from 11.85% p.a. interest is calculated on a daily reducing balance.	The page publishes daily reducing-balance interest but no separate named benchmark.	Value awaiting review	Value awaiting review	Maximum limit up to ₹20 lakh maximum quantum is 24 times. The page also provides a Know Your Eligibility calculator rather than a universal fixed minimum amount.	Up to 84 months.	1.00% of loan amount, minimum ₹2,500 and maximum ₹15,000.	Value awaiting review
Star Top Up LoanBank of India	Top-up over a home-loan relationship for furnishing, solar PV, addition/extension/renovation and takeover/balance transfer Smart Home Loan overdraft and step-up/step-down options are listed.	Starts from 7.10% p.a. linked to Personal Score for individuals and calculated on a daily reducing balance.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Individuals: 0.35% of loan amount, minimum ₹1,500 and maximum ₹35,000. Non-individuals: 0.50%, minimum ₹3,000 and maximum ₹40,000.	Value awaiting review
Star Vehicle Loan — IndividualsBank of India	Finance is available for new two-wheelers, four-wheelers and water vehicles, and eligible used two- or four-wheelers not more than 3 years old.	Starts from 7.60% p.a. linked to score and calculated on a daily reducing balance.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Two-wheelers: up to 60 months. Four-wheelers and water vehicles: up to 84 months.	New four-wheelers: 0.25%, minimum ₹2,500 and maximum ₹10,000. Two-wheelers and old vehicles: 1.00%, minimum ₹1,000 and maximum ₹5,000. E-vehicles receive a 50% processing-fee concession.	Value awaiting review
Bank of Maharashtra Agri-Clinic and Agri-Business Centre LoanBank of Maharashtra	Term loan to establish an agri-clinic or agri-business centre.	Up to ₹25 lakh: current 11.60% p.a. for activities outside MSMED norms current 11.05% p.a. for qualifying MSMED activities without collateral concession. Above ₹25 lakh: risk-based pricing.	Non-MSMED: one-year 9.00% + BSS 0.50% + 2.10%. MSMED: 8.05% + 2.50% + BSS 0.50%.	Value awaiting review	No salary floor applies. Applicants must be 18–60, meet a published agriculture/allied education route and complete MANAGE-approved training.	Individual: ₹20 lakh. Group of five eligible members: ₹1 crore.	Five to ten years depending on project cash flow.	Agriculture/ term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Agriculture Gold LoanBank of Maharashtra	Agriculture term loan secured by pledge of eligible gold jewellery or ornaments.	8.35% p.a. at the current one-month of 8.30% plus 0.05%.	One-month 8.30% + 0.05%.	Value awaiting review	No income floor applicant must be engaged in agriculture or an allied activity and satisfy .	₹1 crore per borrower, subject to actual agriculture credit requirement and the pledged gold assessment.	Within 24 months, depending on purpose.	Nil up to ₹3 lakh ₹500 above ₹3 lakh to ₹5 lakh ₹1,000 above ₹5 lakh to ₹10 lakh ₹1,500 above ₹10 lakh to ₹20 lakh ₹2,000 above ₹20 lakh.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Agriculture Infrastructure Fund LoanBank of Maharashtra	Medium- to long-term loan for viable post-harvest infrastructure and community farming assets.	Up to ₹2 crore: current 9.00% p.a. cap. Above ₹2 crore: Bank's applicable rate. Eligible borrowers receive 3% government interest subvention.	Six-month 8.90% + 1.00%, capped at 9.00% p.a. up to ₹2 crore.	Value awaiting review	No salary floor. Finance is for viable covered projects by a published eligible beneficiary such as a farmer, , , , cooperative, startup, agency or eligible PPP.	No universal loan cap benefits apply on up to ₹2 crore per project.	Seven years, including six months to two years' moratorium.	Current agriculture/ term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore 0.80% above ₹25 crore to ₹100 crore 0.70% above ₹100 crore.	2% when prepayment exceeds 25% of sanctioned limit nil below the published outstanding threshold exempt.
Bank of Maharashtra AHIDF LoanBank of Maharashtra	Term loan for milk, meat and animal-feed processing infrastructure.	Maximum external benchmark-based lending rate + 2.00% p.a. eligible regular repayments receive 3% annual interest subvention.	External Benchmark Based Lending Rate + up to 2.00% the scheme page does not identify a specific current external benchmark.	Value awaiting review	No salary floor. Eligible , companies, individual entrepreneurs and need a viable covered project guarantee cover is limited to eligible projects.	Value awaiting review	Eight years including two years' moratorium on principal.	Current agriculture/ term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore 0.80% above ₹25 crore to ₹100 crore 0.70% above ₹100 crore.	2% when prepayment exceeds 25% of sanctioned limit nil below the published outstanding threshold exempt.
Bank of Maharashtra Animal Husbandry LoanBank of Maharashtra	Agriculture term loan and/or cash credit for animal husbandry.	Up to ₹10 lakh: current 11.50% p.a. Above ₹10 lakh: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor applies eligible farmers/groups need the necessary expertise and finance follows unit cost or project evidence.	Value awaiting review	Three to seven years for term finance, with monthly, quarterly or half-yearly instalments.	Cash credit: nil up to ₹5 lakh, then 0.35% p.a. Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore.	Term loan: 2% when prepayment exceeds 25% of sanctioned limit cash credit: 2% of sanctioned limit only on takeover by another institution. are exempt.
Avanse Unsecured Education Loan (Co-Lending)Bank of Maharashtra	Unsecured education loan for higher studies in India or abroad.	Value awaiting review	Value awaiting review	Value awaiting review	For Indian nationals pursuing higher studies the page does not publish a minimum income or numeric rate.	Up to ₹75 lakh.	Up to 120 months.	Value awaiting review	Value awaiting review
IIFL Retail Gold Loan (Co-Lending)Bank of Maharashtra	Gold loan	Value awaiting review	Value awaiting review	Value awaiting review	For retail borrowers the page does not publish an income threshold or numeric rate.	₹25,000 to ₹10 lakh for agriculture, and retail gold-secured facilities.	3 to 12 months for all three facilities.	Value awaiting review	Value awaiting review
Muthoot Retail Gold Loan (Co-Lending)Bank of Maharashtra	Gold loan	Value awaiting review	Value awaiting review	Value awaiting review	For retail borrowers pledging gold ornaments the page does not publish a numeric income threshold or rate.	: ₹5,000 to ₹5 lakh retail gold: ₹5,000 to ₹20 lakh.	: 3 to 18 months retail gold: 6 to 12 months.	Value awaiting review	Value awaiting review
DAY-NRLM Self-Help Group Credit LinkageBank of Maharashtra	Cash-credit limit or term loan for eligible self-help groups, with staged drawing power and repeat doses.	Up to ₹3 lakh: 7.00% p.a. where central interest subvention applies above ₹3 lakh to ₹5 lakh: one-year above ₹5 lakh: one-year + 0.50% BSS + 1.50%. The current one-year is 9.00% effective 25 July 2026, so the published formula is 11.00% before any applicable subvention.	above ₹5 lakh: one-year + 0	Value awaiting review	Value awaiting review	CCL minimum ₹6 lakh for each eligible for 3 years. Year 1 drawing power is 6× corpus or ₹1.5 lakh minimum year 2 is 8× corpus or ₹3 lakh minimum year 3 is at least ₹6 lakh year 4 onward is above ₹6 lakh based on and history. Term-loan doses use the same staged amounts.	Cash-credit linkage is sanctioned for a three-year cycle with annual drawing-power review term-loan doses follow the staged Micro Credit Plan and sanctioned repayment schedule.	Value awaiting review	Value awaiting review
DAY-NULM Self-Employment Programme (SEP)Bank of Maharashtra	SEP-I individual micro-enterprise credit and SEP-G group enterprise credit through term loan or cash credit.	rate applies the page does not publish a numeric base rate or spread. Interest subsidy covers the amount above 7% for timely repayment.	base rate or spread	Value awaiting review	Value awaiting review	SEP-I maximum project cost ₹2 lakh. SEP-G maximum loan ₹2 lakh per member or ₹10 lakh for the group, whichever is lower.	SEP-G cash-credit or term-loan repayment ranges from 5 to 7 years after an initial 6–18-month moratorium SEP-I tenor is not separately published.	Value awaiting review	Value awaiting review
Bank of Maharashtra Estate Purchase LoanBank of Maharashtra	Agriculture term loan to purchase a traditional plantation estate.	Up to ₹10 lakh: current 11.50% p.a. Above ₹10 lakh: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor. The buyer must already own a yielding estate, have relevant experience, be financially sound, bring the margin and demonstrate debt-servicing capacity.	Up to ₹20 lakh, calculated from the lower applicable market value, guidance/circle rate or purchase consideration after margin, plus eligible stamp duty and registration costs.	Normally seven to nine years up to 20 years in specific cases depending on estate condition and rejuvenation needs.	Nil up to ₹5 lakh 1% above ₹5 lakh to this product's ₹20 lakh maximum.	2% of prepaid amount when prepayment exceeds 25% of sanctioned limit nil when principal outstanding is below 25% of sanctioned limit are exempt.
Bank of Maharashtra Farm Mechanization LoanBank of Maharashtra	Agriculture term loan for tractors and farm machinery.	New machinery: current 10.50% p.a. up to ₹10 lakh and 11.50% above. Second-hand tractors: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 1.00%/2.00% for new machinery or +3.00% for second-hand tractors.	Value awaiting review	No salary floor. Tractor: 3 perennial/8 seasonal acres power tiller: 1.5/5 acres combine harvester: 6/15 acres other listed machinery: no land minimum.	₹25 lakh.	Five to nine years, depending on machinery purpose.	Nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of prepaid amount when prepayment exceeds 25% of sanctioned limit nil below that outstanding threshold exempt.
Bank of Maharashtra Farmer Four-Wheeler LoanBank of Maharashtra	Agriculture term loan for a new four-wheeler, including an electric vehicle, used for farm supervision, management or transport.	Current effective 9.25% p.a.	One-year 9.00% + 0.25%.	Value awaiting review	₹3 lakh net annual income. Landowners also need at least three perennial-irrigated or six seasonal-irrigated acres eligible operators without land must provide two financial years of .	₹20 lakh.	Five to seven years monthly, quarterly, half-yearly or yearly instalments aligned with harvest or activity cash flow.	Agriculture term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Farmer Two and Three Wheeler LoanBank of Maharashtra	Agriculture term loan for a new two-wheeler or three-wheeler, including an electric vehicle, used for farm supervision or transport.	Current effective 12.15% p.a.	One-year 9.00% + 3.15%.	Value awaiting review	₹1.50 lakh net annual income, plus at least two acres of perennially irrigated or four acres of seasonally irrigated land.	₹2 lakh.	Five to seven years, with monthly, quarterly, half-yearly or yearly instalments aligned with the activity's cash flow and harvest cycle.	Nil because the current agriculture term-loan tariff is nil up to ₹5 lakh and this scheme is capped at ₹2 lakh.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Farmer Warehouse Receipt LoanBank of Maharashtra	Short-term loan against a negotiable warehouse receipt or eNWR for warehoused or cold-stored produce.	Up to ₹10 lakh: current effective 11.50% p.a. Above ₹10 lakh: current effective 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor applies. The borrower must hold an eligible negotiable warehouse receipt or eNWR finance is based on 75% of the lower of market price or receipt value.	Value awaiting review	Until the produce is sold, subject to a maximum of 12 months.	Agriculture short-term/term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Farmhouse Construction LoanBank of Maharashtra	Agriculture term loan for farmhouse construction and related farm storage, cattle-shed and drying-yard facilities.	Up to ₹10 lakh: current effective 11.50% p.a. Above ₹10 lakh: current effective 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No rupee income floor sufficient disposable income is required. Minimum perennially irrigated land is 2.5 acres up to ₹10 lakh and five acres above ₹10 lakh.	₹50 lakh ₹2 lakh to ₹10 lakh requires at least 2.5 irrigated acres and above ₹10 lakh to ₹50 lakh requires at least five irrigated acres.	Up to 15 years including moratorium moratorium may run up to 18 months or construction completion, whichever is earlier.	Agriculture term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Gold LoanBank of Maharashtra	Secured term loan against pledged gold jewellery or ornaments bullion and primary gold are excluded.	Published /PED rate table: 8.50% p.a. up to ₹1 crore at 75% , 9.00% up to ₹5 lakh at 80% and 9.25% up to ₹2.50 lakh at 85% . Bullet-repayment tables use the same rates with lower . The page separately states the current lowest rate from 8.50% p.a.	plus a published spread: + 0.45% = 8.50%, + 0.95% = 9.00% and + 1.20% = 9.25% in the reviewed scale table.	Value awaiting review	Value awaiting review	Minimum quantum ₹20,000 and maximum amount up to ₹1 crore, subject to the bank's terms and tables.	Term-loan repayment up to 24 months bullet repayment up to 12 months.	Up to ₹3 lakh: nil above ₹3 lakh to ₹5 lakh: ₹500 above ₹5 lakh to ₹10 lakh: ₹1,000 above ₹10 lakh to ₹20 lakh: ₹1,500 above ₹20 lakh: ₹2,000. Packing/out-of-pocket expense is ₹100 plus .	No pre-payment, pre-closure or part-payment charges.
Bank of Maharashtra Hi-Tech Agriculture Project LoanBank of Maharashtra	Agriculture term loan for hi-tech projects.	Up to ₹10 lakh: current 11.50% p.a. Above ₹10 lakh: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above.	Value awaiting review	No salary floor individual/joint landholding farmers qualify and must obtain every statutory licence and permission for the project.	Value awaiting review	Five to nine years depending on activity cash flow.	Nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of prepaid amount when prepayment exceeds 25% of sanctioned limit nil below that outstanding threshold exempt.
Bank of Maharashtra Home Loan Top-UpBank of Maharashtra	Term top-up loan for eligible home-loan borrowers, including renovation, furnishing, marriage and education needs.	7.60% p.a. advertised on the product page. Current schedule prices it at the applicable Maha Super Housing rate plus 0.50% for CIBIL 800+, 0.75% for 750-799, 1.00% for 681-749, or 3.00% for 680 and below.	-linked applicable Maha Super Housing rate plus a -based 0.50%-3.00% premium.	Value awaiting review	Value awaiting review	Up to ₹10 crore.	Up to 180 months maximum age 75 at loan maturity.	Processing 0.50% of loan amount, minimum ₹500 and maximum ₹50,000. Account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding .	Nil the product page states no prepayment penalty.
Bank of Maharashtra Horticulture and Plantation LoanBank of Maharashtra	Agriculture term loan for fruit gardens, plantations and nursery crops.	Up to ₹10 lakh: current effective 11.50% p.a. Above ₹10 lakh: current effective 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor applies. Eligible landowners, permanent tenants and sufficiently long-term leaseholders are financed against applicable / unit or project cost.	Value awaiting review	Seven to 15 years including gestation, aligned with crop harvesting and produce marketing.	Agriculture term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Kisan All Purpose Term LoanBank of Maharashtra	Agriculture term loan covering a two- to three-year investment plan with multiple eligible agriculture/allied activities.	Up to ₹10 lakh: current effective 11.50% p.a. Above ₹10 lakh: current effective 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No standalone income floor maximum finance is the lower of five times current annual income or 50% of mortgaged-land value. ↓	₹20 lakh, also subject to the lower of five times annual income or 50% of mortgaged-land value.	Up to nine years in instalments aligned with the farmer's overall income generation.	Agriculture term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Kisan Credit CardBank of Maharashtra	Renewable cash-credit facility for crop and allied-agriculture working capital.	Up to ₹3 lakh: 7% p.a. fixed for up to one year under the Government interest-subvention rule. Above ₹3 lakh to ₹10 lakh: current effective 11.50% p.a. Above ₹10 lakh: current effective 12.50% p.a.	Above ₹3 lakh: one-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor applies. The first-year limit is crop scale of finance × cultivated area, plus 10% for post-harvest/household needs and 20% for farm-asset repairs.	Value awaiting review	Five-year validity subject to annual review Kharif is due next March, Rabi next June and horticultural crops next September.	Up to ₹3 lakh: nil for small/marginal farmers 0.35% of sanctioned limit for large/other farmers. Above ₹3 lakh: 0.35% of sanctioned limit.	For cash credit, 2% of sanctioned limit only when the account is taken over by another financial institution not applicable to Micro and Small Enterprises.
Mahabank Kisan Credit Card for Animal Husbandry and FisheriesBank of Maharashtra	Working-capital cash credit under the Kisan Credit Card framework for animal husbandry and fisheries.	Eligible crop-MKCC farmers: 7% p.a. within the combined ₹3 lakh concession limit. Otherwise up to ₹10 lakh: current 11.50% p.a. above ₹10 lakh: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor. The applicant needs the relevant farm, pond, boat, shed or other owned/leased facility and every licence or permission required for the activity.	District Level Technical Committee scale of finance based on local per-acre, per-unit, per-animal or per-bird cost no universal rupee cap. The 7% concession is limited to a combined ₹3 lakh MKCC amount.	Repayment follows the activity's cash flow and income pattern the cash-credit limit is reviewed and renewed annually.	Up to ₹3 lakh: nil for small and marginal farmers 0.35% for large and other farmers. Above ₹3 lakh: 0.35%.	2% of sanctioned cash-credit limit only when the account is taken over by another financial institution borrowers are exempt.
Mahabank Kisan Tatkal LoanBank of Maharashtra	Emergency agriculture term loan for an existing Kisan Credit Card customer.	Current 11.50% p.a. for this product's published maximum of ₹50,000.	One-year 9.00% + BSS 0.50% + 2.00%.	Value awaiting review	The amount cannot exceed 25% of annual income no universal salary floor. The existing Kisan Credit Card must have a satisfactory record of at least two years.	₹50,000, subject also to the lower of 50% of the Kisan Credit Card limit or 25% of annual income minimum ₹5,000.	Three years, with half-yearly or yearly instalments aligned to harvest the loan must be cleared for a fresh or enhanced subsequent-year Kisan Credit Card.	Nil because the current agriculture term-loan tariff is nil up to ₹5 lakh.	2% of prepaid amount when prepayment exceeds 25% of sanctioned limit nil when principal outstanding is below 25% of sanctioned limit are exempt.
Bank of Maharashtra Loan Against DepositBank of Maharashtra	Secured loan/overdraft against an eligible Bank of Maharashtra fixed deposit.	Value awaiting review	Value awaiting review	Value awaiting review	No income threshold or credit check is required eligibility depends on holding an eligible Bank of Maharashtra fixed deposit.	Value awaiting review	Flexible repayment is published, but no universal numeric maximum tenure appears on the current product page or rate schedule.	Nil processing fee and zero documentation required for the published digital journey.	Value awaiting review
Bank of Maharashtra Loan Against PropertyBank of Maharashtra	Personal-purpose term loan secured by mortgage of an eligible self-occupied residential or commercial property.	9.70%-10.70% p.a. effective rate by score on the current table.	8.05% plus 1.65%-2.65% by score NTC/-1/0/01-05 is + 2.15% = 10.20%.	Value awaiting review	Minimum annual income ₹5 lakh.	Minimum ₹5 lakh. Maximum ₹10 crore for properties in metros and ₹5 crore at other centres, subject to repayment capacity and margin.	Up to 10 years or until age 75, whichever is earlier.	Processing 1% of loan amount, minimum ₹1,000 and maximum ₹50,000. Account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding .	Nil for a floating-rate non-business retail loan to an individual.
Bank of Maharashtra Maha Adhaar Pension LoanBank of Maharashtra	Pension-linked personal term loan for permitted consumption, medical, marriage, funeral, birth and religious-ceremony expenses.	General pensioners: 9.75% p.a. Defence and Bank staff pensioners: 9.25% p.a.	8.05% + 1.70% for general pensioners + 1.20% for defence and staff pensioners.	Value awaiting review	No minimum annual income. Finance is based on eligible pension and deduction caps: 40% of gross monthly pension up to ₹12,500 and 50% above ₹12,500.	Up to ₹10 lakh. General pensioners: 18 months' pension, capped at ₹10 lakh up to age 65, ₹5 lakh up to 70 and ₹3 lakh up to 73. Defence/staff: 36 months, capped at ₹10 lakh/₹7 lakh/₹5 lakh. Family pensioners: 18 months, capped at ₹4 lakh/₹3 lakh/₹2 lakh.	Up to 120 , subject to age 75 at maturity.	Processing 0.50% of loan amount, minimum ₹500 and maximum ₹5,000 nil for staff pensioners. Account handling 0.20%, minimum ₹1,500 and maximum ₹10,500, excluding .	Nil for floating-rate non-business retail loans to individuals.
Maha Agri-machinery Rental SchemeBank of Maharashtra	Term loan for new machinery and vehicles used in custom agricultural services.	Current risk-based range 8.15%-9.20% p.a.	8.05% + 0.10%-1.15%.	Value awaiting review	No salary floor. Eligible custom-service operators need a CIBIL score above 600 internal minimum BBB rating applies above ₹25 lakh aggregate exposure.	₹5 crore per borrower no minimum limit.	Up to seven years including up to six months' moratorium, with monthly, quarterly, half-yearly or annual instalments.	Nil up to ₹5 lakh 1% above ₹5 lakh to the product's ₹5 crore maximum.	2% when prepayment exceeds 25% of sanctioned limit nil below the published outstanding threshold exempt.
Maha Krishi Samrudhi YojanaBank of Maharashtra	Term loan, working capital, export credit, bill finance, letters of credit and bank guarantees.	Current risk-based range 8.15%-9.10% p.a. before eligible concessions effective rate cannot fall below .	8.05% + 0.10%-1.05% eligible 1-5 concessions range from 0.50% to 0.20%, subject to the floor.	Value awaiting review	No salary floor. Eligible food, agro-processing or agriculture-infrastructure units qualify internal rating applies above ₹25 lakh and external minimum BBB above ₹25 crore.	₹100 crore no minimum amount. ↑	Term loan up to 10 years including moratorium working capital repayable on demand and reviewed annually.	Nil for 1-2 50% concession for 3-4 25% concession for 5-6 and unrated borrowers, applied to the current facility tariff.	Term loan: 2% when prepayment exceeds 25% of sanctioned limit. Cash credit: 2% of sanctioned limit only on takeover by another institution. exempt.
Bank of Maharashtra Maha Super Car LoanBank of Maharashtra	New four-wheeler finance for a car, jeep, or for personal use and eligible corporate purchase.	Floating 7.45%-11.75% p.a. by salaried/non-salaried band firms/companies 8.55%-9.05%. Fixed 10.15%-10.85% p.a. for eligible loans up to ₹50 lakh with CIC above 700, reset after three years.	Floating: 8.05% with -0.60% to +3.70% individual spread or +0.50%-1.00% entity spread. Fixed: 1-year 8.85% plus 1.30%-2.00%.	Value awaiting review	Salaried and pensioner applicants: gross monthly income/pension ₹25,000 or more. Self-employed professionals: ₹3 lakh last-year income with the past two years' . Businesspeople/agriculturists: ₹4 lakh last-year income with the past two years' . Corporate applicants: tangible net worth at least five times the requested loan.	Maximum loan limit ₹5 crore for an individual and ₹10 crore for a non-individual, subject to permissible deduction norms.	Maximum repayment period 84 months.	0.25% of loan amount, minimum ₹1,000 and maximum ₹15,000, excluding .	No pre-payment, pre-closure or part-payment charges.
Bank of Maharashtra Maha Super Flexi Housing LoanBank of Maharashtra	Term home loan linked to a dedicated savings account end-of-day surplus offsets the balance used to calculate interest and remains withdrawable.	0.25 percentage point above the applicable Maha Super Housing floating rate current effective range 7.25%-9.90% p.a. across published salaried/non-salaried bands.	8.05% plus the applicable Maha Super Housing spread and a further 0.25% Flexi premium.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 30 years or until the borrower reaches age 75, whichever is earlier.	Processing 0.25% of loan amount, maximum ₹25,000. Account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding .	Nil for floating-rate non-business retail loans to individuals.
Bank of Maharashtra Maha Super Green Car LoanBank of Maharashtra	Finance for a new electric passenger car, or for personal use, not passenger hire/ferrying.	Floating rate: 0.25 percentage point below the applicable Maha Super Car rate, subject to the - 0.60% floor current effective range 7.45%-11.50% p.a. Fixed rate for eligible loans up to ₹50 lakh and CIC above 700: 10.05%-10.75% p.a., reset after three years.	Floating: 8.05% with applicable car-loan spread less 0.25%, subject to a 7.45% floor. Fixed: 1-year 8.85% plus 1.20%-1.90%.	Value awaiting review	Salaried/pensioners: ₹25,000 gross monthly. Self-employed professionals: ₹3 lakh last-year income plus two years' . Business/agriculture: ₹4 lakh last-year income plus two years' . Corporate tangible net worth must be at least five times the requested loan.	Individuals: ₹5 crore. Non-individuals: ₹10 crore. Eligible existing housing-loan borrowers may receive up to 100% of on-road price others have at least 10% margin.	Up to 84 months.	Nil processing fee and nil account-handling charge.	Nil prepayment, pre-closure and part-payment charge.
Bank of Maharashtra Maha Super Green Housing LoanBank of Maharashtra	Housing loan for purchase, construction, extension, plot-plus-construction and repair or renovation of a house or flat.	Floating: 0.10 percentage point below applicable Maha Super Housing rate, subject to a 7.10% floor current range 7.10%-9.55% p.a. Fixed: 11.40%-12.60% p.a. by loan band.	Floating: 8.05% and the applicable housing spread less 0.10%, with 7.10% floor. Fixed: 1-year 8.85% plus 2.55%-3.75%.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 30 years or until the borrower reaches age 75, whichever is earlier.	Nil processing fee for Maha Super Green Housing. The separate account-handling charge is 0.10% of loan amount, minimum ₹500 and maximum ₹11,000.	Value awaiting review
Bank of Maharashtra Maha Super Housing LoanBank of Maharashtra	Housing loan for purchase, construction, extension, plot-plus-construction and repair or renovation of a house or flat.	Floating 7.00%-9.65% p.a. by salaried/non-salaried band. Fixed 11.50%-12.70% p.a. for eligible loans up to ₹2 crore with CIC above 700, reset after three years.	Floating: 8.05% with -1.05% to +1.60% spread. Fixed: 1-year 8.85% with +2.65% to +3.85% spread.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 30 years or until the borrower reaches age 75, whichever is earlier.	0.25% of loan amount, maximum ₹25,000, excluding . The separate account-handling charge is 0.10% of loan amount, minimum ₹500 and maximum ₹11,000.	Value awaiting review
Bank of Maharashtra Minor Irrigation LoanBank of Maharashtra	Agriculture term loan for minor-irrigation assets and works.	Up to ₹10 lakh: current 11.50% p.a. Above ₹10 lakh: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above.	Value awaiting review	No salary floor individual/joint landholding farmers qualify, subject to white-watershed location or a GSDA certificate for grey-watershed new wells.	Value awaiting review	Seven to 11 years, depending on repayment capacity.	Nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of prepaid amount when prepayment exceeds 25% of sanctioned limit nil below that outstanding threshold exempt.
Bank of Maharashtra Model Education LoanBank of Maharashtra	Model education loan for recognised higher-education courses in India and job-oriented professional or postgraduate courses abroad.	The education landing page publishes a starting education-loan rate of 6.85% p.a. the Model Education page links the applicable current rate table and does not print a separate model-scheme figure.	Value awaiting review	Value awaiting review	Value awaiting review	Up to ₹10 lakh for studies in India and ₹20 lakh for studies abroad higher amounts may be considered on merit and case-by-case basis.	Repayment is course period plus one year, with up to 180 equated monthly instalments (15 years), excluding the moratorium period.	The reviewed Model Education page does not publish a universal processing fee the education landing-page states 0.50% for studies abroad only, refundable when the borrower takes up the course.	Value awaiting review
Bank of Maharashtra Personal LoanBank of Maharashtra	Unsecured personal loan for personal expenses such as medical bills, travel, education, weddings, renovation and debt repayment.	9.75%-15.00% p.a. effective rate across the published salaried, professional and housing-loan-linked business categories and bands.	8.05% plus 1.70%-6.95%, depending on borrower category, salary-account relationship and score.	Value awaiting review	Minimum annual income ₹3 lakh.	Loan amount is up to 20 times gross monthly income, capped at ₹20 lakh.	Category A salaried customers may repay up to 84 months with a Bank of Maharashtra salary account or 60 months with another bank Category B/C and professional schemes allow 60 months business class with an eligible home loan allows 84 months.	1.00% of loan amount plus .	Value awaiting review
Bank of Maharashtra PM-Vidyalaxmi Education LoanBank of Maharashtra	Need-based collateral-free education loan for eligible courses at listed quality higher-education institutions.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Moratorium is course period plus one year repayment up to 180 (15 years), excluding moratorium.	No processing or upfront charge. Account handling 0.20% of loan amount, minimum ₹500. Vidya Laxmi enrolment charge ₹200 in the current (the page displays ₹100 + and notes it is subject to change) excluding where applicable.	Nil.
PM Vishwakarma Enterprise Development LoanBank of Maharashtra	Demand-loan enterprise credit in two tranches.	Beneficiary pays a concessional 5% rate Government of India interest subvention is 8%. The page also displays + 3.25% and a 12.15% effective example as at 15 February 2025.	+ 3	Value awaiting review	Value awaiting review	First demand-loan tranche ₹1 lakh second ₹2 lakh after satisfactory closure of the first.	First tranche 18 months second tranche 30 months.	Value awaiting review	Value awaiting review
Bank of Maharashtra PMAY-U 2.0 Home LoanBank of Maharashtra	2.0 interest-subsidy route for eligible urban home finance.	Underlying Bank of Maharashtra floating housing rates currently span 7.00%-9.65% p.a. eligible 2.0 households receive 4% subsidy on the first ₹8 lakh for up to 12 years.	8.05% with the applicable housing-loan spread subsidy is calculated separately at 4% on the first ₹8 lakh.	Value awaiting review	up to ₹3 lakh above ₹3 lakh to ₹6 lakh above ₹6 lakh to ₹9 lakh annual household income.	Maximum eligible home loan ₹25 lakh maximum house value ₹35 lakh maximum carpet area 120 sq m.	4% subsidy on the first ₹8 lakh for up to 12 years eligibility requires a loan tenure longer than five years. The page does not publish a separate maximum contractual home-loan tenure.	Current standard housing schedule: processing 0.25% of loan amount, maximum ₹25,000 account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding .	Nil for floating-rate non-business retail loans to individuals.
Bank of Maharashtra PMFME LoanBank of Maharashtra	Term loan and cash credit for new, expanded or upgraded micro food-processing enterprises.	Bank's applicable rate the reviewed official scheme page does not publish a numerical rate.	Value awaiting review	Value awaiting review	No salary floor. Individuals, , and other eligible food-processing organizations may finance a new, expanded or upgraded micro enterprise.	No universal loan cap eligible non-individual project cost is limited to ₹10 crore. Subsidy is 35%, capped at ₹10 lakh for an individual unit or ₹3 crore for a non-individual.	Up to 10 years including six to 24 months' moratorium.	Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore. Cash credit: nil up to ₹5 lakh, then 0.35% p.a.	Term loan: 2% when prepayment exceeds 25% of sanctioned limit. Cash credit: 2% only on takeover by another institution. exempt.
Bank of Maharashtra Pre-Owned Car LoanBank of Maharashtra	Vehicle loan for an approved pre-owned four-wheeler not older than three years and within 1,50,000 km.	Current floating table: 11.20% at CIBIL 750+, 11.55% at 700–749, 12.05% at 650–699, 13.05% at 600–649, 14.05% below 600 and 12.05% for -1/0/01–05.	, shown as 8.05%, plus 3.15%–6.00% according to band.	Value awaiting review	Salaried and other individual applicants: ₹3 lakh last-year income with two years' /Form 16. Eligible Government/ pensioners need ₹25,000 monthly pension.	₹2 lakh minimum and ₹50 lakh maximum finance is the lowest of eligible assessment, 70% of certified market/invoice value or 100% of insured declared value.	Maximum 60 months.	0.50% of loan amount, minimum ₹500 account-handling charge 0.20%, minimum ₹1,500 and maximum ₹10,500, excluding .	No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
Bank of Maharashtra Rooftop Solar Panel Loan (PM Suryaghar)Bank of Maharashtra	Residential green loan for grid-connected rooftop solar up to 10 kW under Suryaghar.	Up to ₹2 lakh: 5.75% ( − 2.30%) for eligible borrowers. Above ₹2 lakh, non-home-loan borrowers: 8.25% at CIBIL 800+, 8.55% at 750–799, 8.80% at 700–749/NTC and 9.05% at 680–699 eligible home-loan customers receive the applicable home-loan rate.	, shown as 8.05% on the current rate page spread is −2.30% up to ₹2 lakh and +0.20% to +1.00% above ₹2 lakh for non-home-loan borrowers.	Value awaiting review	No minimum annual income for systems up to 3 kW minimum ₹3 lakh annual income for systems above 3 kW to 10 kW.	Minimum ₹10,000. Maximum ₹2 lakh for systems up to 3 kW and ₹10 lakh for systems above 3 kW to 10 kW.	120 months including a moratorium up to six months.	Nil processing fee. Account-handling charge: ₹500 plus 0.20% of loan amount, minimum ₹500 and maximum ₹2,500, excluding .	No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
Bank of Maharashtra Salary Gain OverdraftBank of Maharashtra	Salary-linked overdraft for day-to-day personal needs.	11.20% p.a. effective rate on the current retail-rate table.	+ 3.15% effective rate 11.20% at review.	Value awaiting review	Minimum take-home salary ₹25,000 per month for both published employee categories.	Government/State/ employees: five times monthly take-home salary other eligible employees: three times monthly take-home salary. Both are capped at ₹5 lakh.	Value awaiting review	0.50% of overdraft amount per annum, minimum ₹500 per annum. Current account-handling charge is 0.20% of loan amount, minimum ₹1,200 and maximum ₹10,200, excluding .	Value awaiting review
Bank of Maharashtra Self-Help Group FinanceBank of Maharashtra	Cash credit, term loan or both, delivered in repeat doses to eligible .	Eligible DAY-NRLM women : 7% up to ₹3 lakh current 9.00% above ₹3 lakh to ₹5 lakh current 11.00% above ₹5 lakh. Other , federations and NGOs: current 11.00% p.a.	One-year 9.00% above ₹5 lakh and other /federation routes add BSS 0.50% + 1.50%.	Value awaiting review	No salary floor. Normally six active months plus Panchasutras and grading revived groups need three active months.	No universal cap. First dose/year is 6× corpus or at least ₹1.5 lakh second 8× corpus or at least ₹3 lakh third at least ₹6 lakh fourth onward above ₹6 lakh by and credit history. Published no-collateral rules extend through ₹20 lakh.	Term-loan dose 1: 24–36 months dose 2: 36–48 dose 3: 48–60 dose 4 onward: 60–84. Cash-credit minimum ₹6 lakh route runs three years with annual drawing power.	Government-sponsored working capital: nil. Other agriculture cash credit: nil up to ₹5 lakh, then 0.35% p.a. Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore.	Term loan: 2% when prepayment exceeds 25% of sanctioned limit cash credit: 2% of sanctioned limit only on takeover by another institution. are exempt.
Bank of Maharashtra Mahabank Skill LoanBank of Maharashtra	Skill-development loan for eligible NSQF-aligned or approved non-NSQF vocational training courses.	9.55% p.a. effective rate.	8.05% + 1.50% = 9.55% p.a.	Value awaiting review	Value awaiting review	Minimum loan ₹5,000 maximum loan ₹7.50 lakh.	Up to 3 years for loans up to ₹50,000 up to 5 years for loans above ₹50,000 and up to ₹1 lakh up to 7 years for loans above ₹1 lakh. Moratorium is up to 6 months after a course of up to one year and 12 months after a longer course.	Nil processing charges.	Value awaiting review
Bank of Maharashtra Small and Marginal Farmer Land Purchase LoanBank of Maharashtra	Agriculture term loan for purchasing agricultural land.	Up to ₹10 lakh: current effective 11.50% p.a. Above ₹10 lakh: current effective 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor applies. Total holding after purchase must stay within five non-irrigated acres or 2.5 irrigated acres.	₹20 lakh. Finance is the lower of the bank valuation, State circle rate or registration value, plus stamp duty and sale-deed registration charges.	Seven to ten years in half-yearly or yearly instalments, including a maximum 24-month moratorium.	Agriculture term-loan tariff: nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit nil when principal outstanding is below 25% of sanctioned limit not applicable to Micro and Small Enterprises.
Bank of Maharashtra Solar Home Lighting LoanBank of Maharashtra	Agriculture term loan for a new solar lighting system and accessories used by an agro-processing unit.	Up to ₹10 lakh: current 11.50% p.a. Above ₹10 lakh: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above.	Value awaiting review	No salary floor. Applicants must be eligible small/marginal farmers, sharecroppers, tenants or agriculture entrepreneurs using the system for an agro-processing unit.	80%-85% of project cost including accessories no universal rupee cap.	Three to five years.	Nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% when prepayment exceeds 25% of sanctioned limit nil below the published outstanding threshold exempt.
Bank of Maharashtra Solar Pumpset LoanBank of Maharashtra	Agriculture term loan for a solar water pumping system.	Up to ₹10 lakh: current 11.50% p.a. Above ₹10 lakh: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor. Adequate water, viable well recharge and an economic landholding of at least 10 acres are required.	Value awaiting review	Five to seven years.	Nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of prepaid amount when prepayment exceeds 25% of sanctioned limit nil when principal outstanding is below 25% of sanctioned limit are exempt.
Bank of Maharashtra Solar Water Heater LoanBank of Maharashtra	Agriculture term loan for a new solar water-heating system and accessories used by an agro-processing unit.	Up to ₹10 lakh: current 11.50% p.a. Above ₹10 lakh: current 12.50% p.a.	One-year 9.00% + BSS 0.50% + 2.00% up to ₹10 lakh, or +3.00% above ₹10 lakh.	Value awaiting review	No salary floor. Eligible applicants are small or marginal farmers, sharecroppers, tenant farmers and agriculture entrepreneurs using the system for an agro-processing unit.	Value awaiting review	Three to five years.	Nil up to ₹5 lakh 1% above ₹5 lakh to ₹25 crore.	2% of prepaid amount when prepayment exceeds 25% of sanctioned limit nil when principal outstanding is below 25% of sanctioned limit are exempt.
Bank of Maharashtra Two-Wheeler LoanBank of Maharashtra	Vehicle loan for a new two-wheeler up to 500 cc, high-value bike above 500 cc or new battery-operated two-wheeler.	Current floating table: 11.20% at CIBIL 750+, 11.55% at 700–749, 12.05% at 650–699, 13.05% at 600–649, 14.05% below 600 and 12.05% for -1/0/01–05.	, shown as 8.05% on the current retail-rate page, plus a 3.15%–6.00% spread by band.	Value awaiting review	Salaried: ₹2.50 lakh last-year income with two years' /Form 16 other individuals: ₹3 lakh last-year income with two years' . Eligible pensioners need ₹25,000 monthly pension.	Standard two-wheeler: ₹50,000 minimum and ₹5 lakh maximum. High-end/super bike: ₹5 lakh minimum and ₹25 lakh maximum.	Maximum 60 months.	0.50% of loan amount, minimum ₹500 and maximum ₹5,000 account-handling charge 0.20%, minimum ₹1,500 and maximum ₹10,500, excluding .	No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
Canara Agricultural DRI LoanCanara Bank	Differential Rate of Interest working-capital or term loan for agricultural/allied activity or small housing needs.	Simple interest at 4% p.a.	Not applicable the scheme publishes a simple fixed 4% rate.	Value awaiting review	Maximum family income from all sources: ₹24,000 per year in urban/semi-urban areas or ₹18,000 per year in rural areas.	Up to ₹15,000 for agricultural purpose or ₹20,000 for housing purpose, as working capital or term loan.	Repayable within 36 months without repayment holiday interest is paid with instalments.	Value awaiting review	Value awaiting review
Canara Apna GharCanara Bank	Housing loan for purchase or construction of a first/other home, eligible site-plus-construction, and repair or renovation in metro and urban centres.	8.00% plus CRG-based premium: effective 8.75% for CIC score above 750, 9.00% for CIC 681–750 or no history, and 9.25% for CIC 680 or below.	(Retail Lending Rate) of 8.00% in the reviewed table, plus a -score-based credit-risk premium.	Value awaiting review	Value awaiting review	Home loan up to ₹35 lakh in metro cities subject to ₹45 lakh project cost up to ₹25 lakh in other cities subject to ₹30 lakh project cost. Repairs/renovation up to ₹10 lakh in metros and ₹6 lakh elsewhere.	Maximum 25 years (300 months), subject to full repayment before the youngest earning borrower reaches age 70.	Processing charges are waived for loans sanctioned under the scheme.	No prepayment penalty.
Canara Bee Keeping (Apiculture) LoanCanara Bank	Agricultural allied-activity term loan for rearing bees and purchasing apiculture equipment and inputs.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Repayable in 3–4 years through annual instalments, with an initial 1-year holiday.	Value awaiting review	Value awaiting review
Canara BudgetCanara Bank	Salaried personal term loan or overdraft for genuine personal/domestic needs, excluding speculative purposes.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Prime: 25 months' gross salary up to ₹50 lakh Delight: 25 months' gross salary up to ₹40 lakh. Higher quantum may be considered selectively.	Term loan repayment up to 84 months in overdraft renewal every two years. may remain fixed for the term-loan period.	0.50% of loan amount, minimum ₹1,000 and maximum ₹5,000. A 50% processing-charge waiver is published for 1 July 2026 to 30 September 2026.	No prepayment penalty.
Canara CashCanara Bank	Loan or overdraft against approved shares, debentures, bonds, or CBMF units for genuine business or personal needs.	A numeric rate is not published on the reviewed Canara Cash page.	Value awaiting review	Value awaiting review	Value awaiting review	Up to ₹20 lakh where the demat account is maintained with Canara's depository participants. Shares/debentures: up to 50% market value bonds: up to 70% /CBMF units: up to 50% or market value lower.	Value awaiting review	0.10% of loan amount, minimum ₹100 and maximum ₹250 for overdraft, the same charge applies at each renewal or enhancement.	No prepayment penalty.
Canara Consumption LoanCanara Bank	Unsecured consumption loan for domestic needs in a natural-calamity declared area.	One-year + 0.20% on the date of disbursement simple interest is charged half-yearly.	One-year Marginal Cost of Funds based Lending Rate ().	Value awaiting review	Value awaiting review	Maximum ₹15,000 one consumption loan per household.	Within 36 months including a one-year repayment holiday instalments may be monthly, quarterly, half-yearly or yearly.	Value awaiting review	Value awaiting review
Canara Custom Hiring Centre FinanceCanara Bank	Agricultural term finance for a Custom Hiring Centre's fleet of farm machinery rented to farmers.	+ 1.70% + liquidity premium when immovable-security coverage is 100% + 1.45% + liquidity premium when coverage exceeds 100%.	Marginal Cost of Funds based Lending Rate (), plus applicable liquidity premium.	Value awaiting review	Value awaiting review	₹2 lakh minimum and ₹50 lakh maximum per borrower.	Principal repayable within 5–9 years in half-yearly or yearly instalments interest is demanded half-yearly with the next principal due.	Value awaiting review	Value awaiting review
Canara Dairy LoanCanara Bank	Agricultural dairy term finance for cattle, sheds, fodder, equipment, processing and heifer rearing.	The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakh up to ₹1 crore, subject to applicable risk and liquidity-premium rules.	Marginal Cost of Funds based Lending Rate (), with liquidity premium where applicable for longer repayment periods.	Value awaiting review	Value awaiting review	Value awaiting review	Animal purchase: 5–7 years monthly/quarterly. Heifer rearing: 5–6 years including 30-month grace. Shed/processing projects may receive 12–18 months moratorium otherwise 1–2 months may apply.	Value awaiting review	Value awaiting review
Canara Estate Purchase LoanCanara Bank	Agricultural term loan for purchasing plantation, areca and perennial-crop estates and related registration costs.	+ 2.80% + applicable liquidity premium when residential/commercial collateral exceeds 50% otherwise + 6.55% + liquidity premium. Interest compounds monthly.	Marginal Cost of Funds based Lending Rate (), plus tenor-based liquidity premium.	Value awaiting review	Value awaiting review	Value awaiting review	Normally repayable within 7–9 years, aligned with estate income generation no repayment holiday is normally considered.	Value awaiting review	Value awaiting review
Canara Farm Machinery LoanCanara Bank	Agricultural term loan for approved tractors, power tillers, trailers, combine harvesters and farm implements.	The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakh up to ₹1 crore, subject to applicable liquidity premium and risk rules.	Marginal Cost of Funds based Lending Rate (), with liquidity premium for longer tenors where applicable.	Value awaiting review	Value awaiting review	Value awaiting review	Repayable within 5 to 9 years by half-yearly or yearly instalments based on income generation.	Value awaiting review	Value awaiting review
Canara Scheme for Redemption of DebtsCanara Bank	Agricultural term loan to redeem documented debt owed to non-institutional lenders.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Up to ₹50,000, limited to the documented non-institutional debt and 150% of gross annual income title-investigation and mortgage costs may be included.	Within five years, with quarterly, half-yearly or yearly instalments based on farm income generation.	Value awaiting review	Value awaiting review
Canara Fisheries LoanCanara Bank	Allied-activity term and working-capital finance for boats, fishing equipment and fish/shrimp culture.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	4–7 years for non-mechanized boats 8–12 years for mechanized boats deep-sea vessels up to 8 years. Aquaculture cycles range from 1 year to 5–10 years by purpose.	Value awaiting review	Value awaiting review
Canara Gold Loan for Allied Activities (Monthly Instalments)Canara Bank	Single-transaction agricultural gold loan for fisheries, animal husbandry, poultry, beekeeping and sericulture, repaid in monthly instalments.	Agricultural gold-loan rate: one-year + 0.10% (effective 12 December 2025), subject to current Canara rate updates.	One-year Marginal Cost of Funds based Lending Rate ().	Value awaiting review	Value awaiting review	₹100 minimum and ₹35 lakh maximum, up to 80% of appraised gold value and subject to the ₹35 lakh agricultural-gold ceiling.	Within 12 months from sanction, repaid in monthly instalments.	₹0 up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Gold Overdraft for Allied ActivitiesCanara Bank	Revolving agricultural gold overdraft for allied activities with multiple transactions and monthly interest servicing.	Agricultural gold-loan rate: one-year + 0.10% (effective 12 December 2025), subject to current Canara rate updates.	One-year Marginal Cost of Funds based Lending Rate ().	Value awaiting review	Value awaiting review	₹2 lakh minimum and ₹35 lakh maximum, up to 80% of appraised gold value and subject to the ₹35 lakh agricultural-gold ceiling.	Revolving facility tenable for up to 12 months monthly interest must be serviced.	₹0 up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Gold Loan for Crop CultivationCanara Bank	Agricultural gold term loan for crop-cultivation expenses against pledged jewellery or eligible coins.	One-year + 0.10% p.a. for Agricultural Gold Loan schemes, effective from 12 December 2025 in Canara's official rate table.	One-year Marginal Cost of Funds based Lending Rate ().	Value awaiting review	Value awaiting review	₹100 minimum and ₹10 lakh maximum up to 80% of appraised gold value, restricted to the lower of lending-rate-per-gram or scale-of-finance amount.	Maximum 12 months from sanction, with monthly, quarterly, half-yearly instalments or lump-sum payment simple interest has half-yearly rest.	Agricultural gold-loan slab: nil up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Gold Jewellery Overdraft for Crop CultivationCanara Bank	Revolving agricultural overdraft against pledged gold for crop-cultivation expenses.	One-year + 0.10% p.a. for Agricultural Gold Loan schemes in Canara's official rate table. ↓	One-year .	Value awaiting review	Value awaiting review	₹100 minimum and ₹10 lakh maximum up to 80% of appraised gold value subject to the lower lending-rate-per-gram or scale-of-finance amount.	Revolving facility tenable up to 12 months monthly interest is serviced.	Agricultural gold-loan slab: nil up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Gold Loan for Land DevelopmentCanara Bank	Single-transaction agricultural gold loan for land development activities.	Agricultural gold-loan rate: one-year + 0.10% (effective 12 December 2025), subject to current Canara rate updates.	One-year Marginal Cost of Funds based Lending Rate ().	Value awaiting review	Value awaiting review	₹100 minimum and ₹35 lakh maximum, up to 80% of appraised gold value overall agricultural-gold ceiling is ₹35 lakh per borrower.	Within 12 months from sanction monthly, quarterly, half-yearly instalments or lump-sum repayment.	₹0 up to ₹50,000 ₹250 above ₹50,000–₹1 lakh ₹500 above ₹1–₹3 lakh ₹1,100 above ₹3–₹5 lakh ₹1,450 above ₹5–₹10 lakh ₹2,750 above ₹10 lakh, excluding .	No prepayment penalty.
Canara Green WheelsCanara Bank	Vehicle loan for a new electric four-wheeler companies and firms may finance vehicles used by directors or employees.	CRG-Prime effective rate shown in Canara's official fixed-rate retail table: 8.60% p.a. the applicable customer rate can vary by risk grade and prevailing table.	Repo Linked Lending Rate (), shown at 8.00% in the reviewed Canara rate table spread and concessions depend on CRG grade.	Value awaiting review	Salaried: minimum gross salary ₹3 lakh a year. Other-than-salaried: latest gross annual income ₹3 lakh and three-year gross-average annual income at least ₹2.50 lakh. Agriculturist applicant/co-applicant combined income: at least ₹4 lakh a year.	Value awaiting review	Up to 84 .	0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.	No prepayment penalty.
Canara HealCanara Bank	Straight-through-processing healthcare loan for hospital-expense shortfalls while settling claims through for self or dependents.	Value awaiting review	Value awaiting review	Value awaiting review	Salaried customers need minimum monthly salary credit of ₹50,000 non-salaried customers need average balance of ₹50,000 maintained for the last six months. Net take-home after all instalments must be at least ₹10,000 per month.	₹25,000 minimum and ₹5 lakh maximum.	12 to 36 months including a two-month moratorium.	Value awaiting review	Value awaiting review
Canara Hi-Tech Agriculture LoanCanara Bank	Project finance for technology-intensive agricultural production, aquaculture and post-harvest processing.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Canara Home Loan PlusCanara Bank	Top-up loan against the continuing security of an existing Canara housing loan for non-speculative domestic, medical, education and unforeseen personal needs.	The page promises a lower rate and reducing-balance interest but does not publish a numeric percentage or benchmark.	Value awaiting review	Value awaiting review	Value awaiting review	₹50 lakh maximum for both salaried and non-salaried calculations salaried quantum is 24 months gross salary and non-salaried quantum is two times three-year average gross income.	Leftover repayment period of the existing housing loan or 180 , whichever is less.	0.50% of loan amount minimum ₹100 and maximum ₹500. Documentation is ₹100 per lakh, with ₹1,000 minimum and ₹25,000 maximum.	No prepayment penalty is charged. Release of security occurs only after both the housing loan and Home Loan Plus liabilities are closed.
Canara Housing Loan to AgriculturistsCanara Bank	Housing finance for agriculturists, dairy/allied farmers, planters and horticulturists for purchase, construction, site-plus-construction, repairs and eligible takeovers.	The official retail range table shows Housing Loan contracted rates of 7.15%–10.00% p.a. (mean 8.06%) the agriculturist variant follows the housing scheme and borrower CRG.	Value awaiting review	Value awaiting review	Minimum gross annual income ₹5 lakh for eligible agriculturists, with over 5 acres irrigated or 10 acres dry land and two years' satisfactory Canara dealings generally required.	No upper limit subject to income. Salaried: up to 72× monthly gross (selectively 96×) other-than-salaried: up to 6× three-year average gross income (selectively 8×). Repairs up to ₹15 lakh furnishing up to 15% or ₹50 lakh lower.	Up to 30 years or age 75, whichever is earlier.	0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus 50% waiver published for 1 July 2026 to 30 September 2026.	No prepayment penalty.
Canara Housing cum Solar LoanCanara Bank	Combined housing finance and rooftop solar PV loan for a new housing loan or an existing Canara housing-loan borrower.	Value awaiting review	The applicable housing component is linked to the Housing Finance scheme the solar page does not publish a separate benchmark or spread.	Value awaiting review	Value awaiting review	Solar component up to ₹10 lakh including subsidy. Housing component follows variant quantum the page also notes Canara Home Loan Super Gain has a ₹20 lakh minimum and no upper limit.	Maximum 20 years in or the repayment period under the housing loan, whichever is earlier.	0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus a 50% waiver is published for 1 July 2026 to 30 September 2026.	The housing component follows the applicable housing scheme the reviewed page does not publish a separate solar prepayment charge.
Canara Housing LoanCanara Bank	Housing loan for ready-built house/flat purchase, construction, site plus construction, repairs/renovation, fixed furnishing, second home and eligible home-loan takeover.	Competitive reducing-balance interest the applicable rate depends on the applicant profile and the Bank's prevailing policy, with no fixed percentage displayed on the reviewed page.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Up to 30 years or until the borrower reaches age 75, whichever is earlier.	0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus . A 50% processing-charge waiver is published for the Retail Loan Festival from 1 July 2026 to 30 September 2026 eligible Premium Payroll takeover borrowers have full waiver through 30 September 2026.	No prepayment penalty.
Canara IBA Model Education LoanCanara Bank	Need-based education loan for approved undergraduate, postgraduate, doctoral, diploma, technical and professional courses in India or abroad.	The page describes lower reducing-balance interest but does not publish a separate IBA Model percentage.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Up to 15 years excluding moratorium of course duration plus one year.	Value awaiting review	No prepayment penalty at any time during repayment.
Canara IBA Skill Loan SchemeCanara Bank	Skill-development education loan for NSQF-aligned courses at eligible training institutes.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Need-based finance from ₹5,000 to ₹7.50 lakh.	Repayment up to 3 years for quantum up to ₹50,000 up to 5 years above ₹50,000 to ₹1 lakh and up to 7 years above ₹1 lakh. Moratorium is 6 months after courses up to one year and 12 months after longer courses.	Nil processing charges.	No prepayment penalty.
Canara Insta MF LoanCanara Bank	End-to-end digital loan against mutual funds by online lien marking of the folio all eligible schemes registered with RTAs may be pledged.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Equity/hybrid mutual funds: 50% of , ₹25,000 minimum and ₹10 lakh maximum. Debt mutual funds: 75% of , ₹25,000 minimum and ₹1 crore maximum.	Term loan: maximum 36 months. Overdraft: renewal yearly.	Term/loan processing: 0.60% of sanctioned amount plus , minimum ₹1,000 and maximum ₹10,000 plus . review/renewal yearly: 0.30% of loan amount plus , minimum ₹500 and maximum ₹5,000 plus .	Value awaiting review
Canara JeevanCanara Bank	Reverse mortgage loan against a self-occupied residential house or flat for senior citizens' genuine needs, with periodic or one-time payment options.	Canara's official rate table shows 8.00% plus 1.60% spread, or 9.60% effective for Canara Jeevan individual pricing remains subject to applicable policy.	Repo Linked Lending Rate (), 8.00% in the reviewed table.	Value awaiting review	No income threshold the borrower must be a resident owner above age 60 with a qualifying self-occupied property.	Independent house: ₹5 lakh minimum to ₹50 lakh maximum. Flat: ₹5 lakh minimum to ₹25 lakh maximum. Amount includes interest until maturity and depends on age and property value.	Periodic payments may continue for up to 15 years or until the death of the surviving borrower, whichever is earlier the loan becomes due when the survivor dies, sells or permanently leaves the home.	0.25% of loan amount, maximum ₹10,000. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.	No prepayment penalty.
Canara Scheme for Credit to JLGsCanara Bank	Crop, development or investment finance to Joint Liability Groups of tenant and record-less farmers.	Applicable agricultural rate is not stated on the product page Canara's current agriculture rate table must be applied for the sanctioned amount and borrower risk.	Value awaiting review	Value awaiting review	Value awaiting review	No overall ceiling crop scale-of-finance or /unit costs determine the sanctioned amount.	Linked to crop marketing maximum 12 months for short-duration crops and 18 months for long-duration crops.	Value awaiting review	Value awaiting review
Canara Kisan All Purpose Term LoanCanara Bank	Single term loan for farm mechanisation, land development, minor irrigation, water conservation, horticulture and allied activities long-gestation projects and vehicle purchases are excluded.	Spread over : 1.40% up to ₹3 lakh 2.30% above ₹3 lakh up to ₹1 crore above ₹1 crore is scored, with published spreads from 2.20% to 3.50%.	(Marginal Cost of Funds based Lending Rate).	Value awaiting review	Value awaiting review	Up to ₹20 lakh, limited to five times annual farm income or 50% of mortgaged-land value (for aggregate loans above ₹1.60 lakh), whichever is lower.	Up to 9 years ballooning repayment may be structured and interest is paid with instalments.	Value awaiting review	Value awaiting review
Canara Kisan Credit Card SchemeCanara Bank	Single-window crop and allied-activity credit with working-capital and term-loan components.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	No universal maximum is printed crop component follows district scale of finance × cultivated area, with 10% household/post-harvest and 20% farm-asset maintenance components in the first-year structure.	Working-capital limit valid for five years subject to annual review term loan repayable yearly or half-yearly over a maximum of five years.	Value awaiting review	Value awaiting review
Canara Kisan ODCanara Bank	Agricultural overdraft for allied activities, machinery maintenance, non-farm working capital, consumption and genuine private debts.	Agriculture-rate table: spread over is 1.40% for agricultural loans up to ₹3 lakh and 2.30% above ₹3 lakh up to ₹1 crore Kisan follows the applicable agricultural slab.	One-year Marginal Cost of Funds based Lending Rate ().	Value awaiting review	Value awaiting review	Minimum limit ₹1.50 lakh maximum ₹12.50 lakh. Finance is capped at ₹1.50 lakh per acre and 50% of landed-property value, with at least 15% residential-property security.	Tenability is 12 months interest is debited half-yearly in March/September and recovered within 90 days.	Value awaiting review	Value awaiting review
Canara Krishi Mitra CardCanara Bank	Agricultural credit-card limit for cultivation, post-harvest/household needs, farm-asset repairs and crop insurance.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Maximum quantum is ₹50,000 as per scale of finance.	Running limit tenable for 12 months.	Value awaiting review	Value awaiting review
Canara KuteerCanara Bank	Low-income housing loan for acquiring a residential site and constructing a house, purchasing a new or old dwelling unit, or constructing on an already owned plot.	Competitive reducing-balance rate a numeric product rate is not published on the reviewed Kuteer page.	Value awaiting review	Value awaiting review	Published household-income bands are up to ₹1 lakh a year, and above ₹1 lakh up to ₹3 lakh a year the band determines the maximum loan.	₹5 lakh maximum where annual household income is up to ₹1 lakh ₹10 lakh maximum where income is above ₹1 lakh and up to ₹3 lakh.	Up to 30 years or until age 75, whichever is earlier.	0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.	Value awaiting review
Canara Education Loan for Masters DegreeCanara Bank	Education loan for a Master's degree in India or abroad at select top-ranking universities, including tuition, travel, living and medical-insurance expenses.	A numeric Masters-loan rate is not published on the reviewed product page the page describes lower reducing-balance pricing and links to Canara's current interest-rate information.	Value awaiting review	Value awaiting review	Value awaiting review	Minimum loan is above ₹7.50 lakh. With collateral coverage of 100% or more, there is no maximum cap subject to project cost with coverage below 100%, maximum is ₹1 crore.	Repayment in up to 15 years excluding the moratorium period.	Collateral coverage 100% or more: 0.50% of sanctioned limit, maximum ₹10,000. Coverage below 100%: 0.50%, maximum ₹20,000. The page publishes a 50% waiver for 1 April 2026 to 30 June 2026.	No prepayment penalty.
Canara MortgageCanara Bank	Secured loan against a mortgaged residential house, flat or commercial property for non-business personal, medical and unforeseen expenses.	Competitive reducing-balance rate exact percentage depends on borrower profile, risk rating, value of security and bank norms, and is not fixed on the page.	Value awaiting review	Value awaiting review	Value awaiting review	Loan is the lower of 50% of the property's bank-panel valuation, ₹7.50 crore, and the income-based formula: 96/84 times monthly gross salary for salaried CRG grades or 8/7 times average three-year cash accruals for non-salaried CRG grades.	Maximum 180 months (15 years), subject to eligible norms.	0.50% of loan amount with a minimum of ₹5,000. Documentation is ₹100 per lakh, with ₹1,000 minimum and ₹25,000 maximum.	No prepayment penalty.
Canara My MoneyCanara Bank	Digital bullet-repayment loan against an eligible online-opened Canara term deposit.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	₹50,000 minimum and ₹10 lakh maximum existing customers may borrow up to 75% of the online term-deposit limit.	Bullet repayment is due one day before the maturity date of the online term deposit.	Nil processing charges.	Not separately published the scheme requires bullet repayment one day before deposit maturity.
Canara Home Loan for NRIsCanara Bank	housing loan for ready-built or under-construction homes, construction, site plus construction, repairs/renovation, second homes and eligible takeovers.	Housing-loan pricing is risk-profile based. The current all-variant fixed-rate table lists effective rates from 8.50% to 10.75% p.a. across CRG-PRIME and CRG 1–4 the applicable rate depends on the bank's risk assessment.	The reviewed page does not state a separate benchmark the linked retail tables use /CRG risk pricing and fixed-rate risk bands.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 30 years or age 60, whichever is earlier up to age 70 may be considered case-by-case subject to conditions. Repayment starts within 2 months for ready homes, 2 months after completion or 24 months for construction, and 2 months after completion or 36 months for under-construction flats, whichever is earlier.	0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus a 50% waiver is published for 1 July–30 September 2026.	No prepayment penalty for floating-rate housing loans, including takeover by another bank or housing finance institution.
Canara Pension Loan for Bank Ex-EmployeesCanara Bank	Personal-needs and medical-expense pension loan, with a second component for annual IBA group mediclaim premium.	Current fixed retail table: 11.25% general/family pensioners, 10.75% bank retirees and 9.25% for the IBA mediclaim-premium component.	8.00% plus pension-scheme credit-risk premium in the linked current retail table.	Value awaiting review	Value awaiting review	Component 1: 20 months' pension or ₹10 lakh, whichever is lower. Component 2: annual premium, eligible scheme amount or ₹90,000, whichever is lower combined liability remains capped at Component 1 maximum.	Component 1: 72 if below age 65 at sanction, 60 if above 65. Component 2: 10 .	100% waived.	No prepayment penalty.
Canara Pension LoanCanara Bank	Personal loan for medical expenses and genuine personal needs of government, , corporate and family pensioners receiving pension through Canara.	Canara's official pension calculator displays an interest-rate range of 10.40%–11.60% p.a. final rate depends on pensioner category and assessment.	Value awaiting review	Value awaiting review	Value awaiting review	Age at sanction determines the maximum: below 60 years ₹15 lakh age 60–70 ₹10 lakh age 70–75 ₹5 lakh.	Below age 60: up to 84 months age 60–70: up to 60 months age 70–75: up to 36 months, with age-at-full-repayment caps of 67, 75 and 78 respectively.	100% waived.	No prepayment penalty.
Canara Pradhan Mantri Vidyalaxmi Education LoanCanara Bank	Need-based education loan for graduation, post-graduation, degree, diploma and integrated courses at listed Quality Higher Educational Institutions.	Product page headline: 6.75% p.a. Current retail table: 7.25% (AAA), 8.00% () and 8.25% (A) reconfirm the applicable rate.	Current retail table uses 8.00% with institution-category adjustments product page separately advertises 6.75% p.a.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 15 years excluding moratorium of course duration plus one year.	Nil processing charges.	No prepayment penalty during repayment.
Canara Pradhan Mantri Awas YojanaCanara Bank	Urban housing loan for ready-built home/flat purchase, construction or eligible site-plus-construction under .	The page says lower reducing-balance interest but does not publish a separate percentage.	Value awaiting review	Value awaiting review	up to ₹3 lakh, above ₹3 lakh to ₹6 lakh and above ₹6 lakh to ₹9 lakh minimum NTH after proposed is ₹10,000.	Lower of 4× annual gross income subject to 25% NTH, 90% of project cost or ₹25 lakh house/flat value must not exceed ₹35 lakh.	Maximum 30 years or until applicant/co-obligant reaches age 75, whichever is earlier subsidy requires tenure above 5 years.	Processing charges are waived.	No prepayment penalty.
Canara Produce LoanCanara Bank	Short-term produce finance secured by agricultural stock or warehouse receipts traders are not eligible.	Applicable agriculture lending rate is not stated on the product page the sanctioned rate must be confirmed from Canara's current agriculture rate table.	Value awaiting review	Value awaiting review	Value awaiting review	Up to ₹75 lakh against NWR/eNWR and up to ₹50 lakh against other warehouse receipts, subject to margin and stock assessment.	Within the balance shelf life of the stored produce, with a maximum of one year.	Value awaiting review	Value awaiting review
Canara Rainwater Harvesting LoanCanara Bank	Home-linked improvement loan for installing a rainwater-harvesting unit.	The page says lower reducing-balance interest but does not publish a numeric Rainwater Harvesting rate.	Value awaiting review	Value awaiting review	Value awaiting review	Finance is 75% of estimated cost within unit-cost bands: ₹57,700 up to 1,500 sq ft ₹73,000 above 1,500 to 2,400 sq ft ₹82,000 above 2,400 to 5,000 sq ft ₹1.85 lakh above 5,000 sq ft.	Repayable in 60 .	0.50% of loan amount, minimum ₹1,500 and maximum ₹10,000.	No prepayment penalty.
Canara Ready CashCanara Bank	Fully digital unsecured personal loan for genuine non-speculative personal requirements.	Value awaiting review	Value awaiting review	Value awaiting review	Minimum salary credit of ₹50,000 per month in the salary account.	₹50,000 minimum to ₹10 lakh maximum.	Repayment from 12 months to 60 months.	0.50% of loan amount, minimum ₹500 and maximum ₹2,500, excluding applicable taxes other charges apply as applicable.	No collateral or security co-obligation waived. A separate prepayment charge is not printed on the reviewed page.
Canara RentCanara Bank	Loan against assigned rent receivables from eligible institutional tenants for genuine business or personal needs speculative use is excluded.	Official Canara rate-range table: 9.25%–9.80% p.a. contracted range for Canara Rent, mean 9.43% (w.e.f. 12 December 2025).	Value awaiting review	Value awaiting review	Value awaiting review	Up to 75% of net rent receivable for the unexpired lease period after , advance rent and taxes, capped at ₹7.50 crore.	Up to 120 months or the unexpired lease period, whichever is earlier selected institutional/corporate leases may go to 144 or 180 months subject to the page rules.	1.00% of loan amount, minimum ₹5,000. Inspection: ₹200 per inspection up to ₹10 lakh (maximum ₹600 yearly), or ₹300/actual above ₹10 lakh. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.	No prepayment penalty is listed on the official Canara Rent page.
Canara Rooftop Solar CRTS-PMSGY Above ₹2 LakhCanara Bank	Residential rooftop solar loan for an on-grid photovoltaic system above 3 kW and up to 10 kW.	Current table: 8.75% effective ( 8.00% + 0.75%) above ₹2 lakh fixed table lists 9.50% for the above-₹2-lakh slab.	8.00% with 0.75% credit-risk premium in the current retail table.	Value awaiting review	Minimum annual income ₹3 lakh net take-home must be at least 25% of gross income or ₹10,000 after existing and proposed instalments, whichever is higher.	Loan amount above ₹2 lakh and up to ₹6 lakh, including subsidy.	Up to 10 years, with repayment fixed so age does not exceed 75 six-month holiday may be allowed case-by-case.	No processing charges service and all other charges are waived.	Value awaiting review
Canara Rooftop Solar CRTS-PMSGY up to ₹2 lakhCanara Bank	Residential on-grid rooftop solar PV loan for systems up to 3 kW under CRTS-PMSGY.	A numeric rate is not published on the reviewed CRTS-PMSGY up-to-₹2-lakh page.	Value awaiting review	Value awaiting review	No minimum annual income or NTH criterion repayment capacity is assessed from the customer's self-declared income.	Up to ₹2 lakh including subsidy, with minimum 10% borrower margin.	Up to 10 years in , subject to age 75 at maturity a six-month repayment holiday may be considered case by case.	Processing, service and other charges are waived under the reviewed scheme.	Not separately published on this solar page.
Canara Self Help Group FinanceCanara Bank	Group finance for productive activities of eligible savings-led Self Help Groups.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Canara Site LoanCanara Bank	Residential-site purchase loan for sites from government/statutory authorities, approved development layouts or -approved projects qualifying takeovers are allowed.	Official Canara rate table: 8.00% plus CRG spread of 1.05%–2.10%, producing effective rates of 9.05%–10.10% by risk grade.	Repo Linked Lending Rate (), 8.00% in the reviewed table.	Value awaiting review	Value awaiting review	Lower of three years' gross annual salary/income or 75% of site cost/guideline value a 25% margin is maintained on project cost.	Up to 10 years, the allotment agency's construction period, or until age 65 at closure, whichever is earlier.	0.50% of loan amount, minimum ₹1,500 and maximum ₹10,000. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.	No prepayment penalty.
Canara Swarna ExpressCanara Bank	Short-tenure secured gold loan for genuine non-speculative medical, domestic or urgent needs.	+ 0.95% p.a. for Swarna schemes, as shown in Canara's official gold-loan rate table.	Repo Linked Lending Rate ().	Value awaiting review	Value awaiting review	₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna , Swarna Express and Swarna Monthly Interest.	Bullet repayment within 6 months from sanction, along with interest.	0.15% of loan amount, minimum ₹125 and maximum ₹1,500, excluding .	No prepayment penalty.
Canara Swarna LoanCanara Bank	Secured gold loan against pledged gold jewellery or gold coins up to 50 grams per customer for non-speculative medical, domestic or urgent expenses.	+ 0.95% p.a., effective from 12 March 2026 for Swarna schemes in the reviewed official rate table.	Repo Linked Lending Rate ().	Value awaiting review	Value awaiting review	₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna , Swarna Express and Swarna Monthly Interest schemes.	Bullet repayment within 12 months from sanction, along with interest.	Swarna Loan, Swarna and Swarna Monthly Interest: 0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding . Swarna Express has a separate 0.15% band.	No prepayment penalty the loan may be closed during the tenure subject to the scheme terms.
Canara Swarna Monthly Interest LoanCanara Bank	Gold loan with interest serviced monthly and principal repaid within 12 months or as a bullet at maturity.	+ 0.95% p.a. for Swarna schemes, as shown in Canara's official rate table.	Repo Linked Lending Rate ().	Value awaiting review	Value awaiting review	Up to 75% of appraised gold value ₹5,000 minimum and ₹35 lakh maximum per borrower under the published scheme cap.	Principal is repaid within 12 months from sanction or as a bullet payment on maturity interest is serviced monthly.	0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding .	No prepayment penalty.
Canara Swarna OverdraftCanara Bank	Revolving overdraft against pledged gold jewellery or gold coins up to 50 grams per customer for non-speculative medical, domestic or urgent needs.	+ 0.95% p.a., effective from 12 March 2026 for Swarna schemes in Canara's official rate table.	Repo Linked Lending Rate ().	Value awaiting review	Value awaiting review	₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna , Swarna Express and Swarna Monthly Interest schemes.	Revolving facility tenable for 12 months interest is serviced monthly as it falls due.	Swarna : 0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding . Swarna Express has a separate 0.15% band of ₹125–₹1,500.	No prepayment penalty.
Canara Vehicle to AgriculturistsCanara Bank	Vehicle loan for agriculturists buying new or pre-owned LMV four-wheelers, including second and subsequent vehicles.	The official Canara vehicle rate-range table shows 7.45%–15.00% p.a. contracted range (mean 9.09%) for Canara Vehicle the agriculturist variant follows the vehicle scheme and customer CRG.	Vehicle scheme benchmark is not separately stated on the agriculturist page the applicable Canara retail vehicle rate table governs pricing.	Value awaiting review	Net take-home after must be 40% of gross annual income and at least ₹1.50 lakh a year. Dairy, poultry, plantation and horticulture applicants need minimum gross annual income of ₹4 lakh where the landholding test does not apply.	No upper limit, but total quantum cannot exceed one year's annual borrower income. For a used vehicle not over three years old, the amount is the least of 60% appraised value, 60% agreed price, 60% original price or ₹50 lakh, with minimum 50% margin.	New vehicles: maximum 84 months. Used vehicles: maximum 60 months or remaining useful life, whichever is lower. Monthly, quarterly, half-yearly or yearly repayment may follow income/crop cycle.	0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus a 50% waiver is published for 1 July 2026 to 30 September 2026.	No prepayment penalty.
Canara Vehicle LoanCanara Bank	Vehicle loan for a brand-new four-wheeler, new electric four-wheeler, pre-owned four-wheeler not older than three years, and second or subsequent vehicle purchases.	Competitive reducing-balance interest exact rate depends on the applicant profile and prevailing Bank policy, with no numeric percentage on the reviewed page.	Value awaiting review	Value awaiting review	Salaried and other-than-salaried individual applicants need minimum gross annual income of ₹3 lakh non-salaried applicants also need three-year gross-average annual income of at least ₹2.50 lakh.	No upper limit for new vehicles, subject to eligibility and repayment capacity. Pre-owned cars may receive up to ₹50 lakh subject to required margin new vehicles can be financed up to 90% of cost.	New vehicles: maximum 84 months. Pre-owned vehicles: maximum 60 months or remaining useful life, whichever is lower.	0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% processing-charge waiver is published for 1 July 2026 to 30 September 2026.	No prepayment charges.
Canara Vidya TurantCanara Bank	Collateral-free education loan for higher studies at premier Indian institutions mapped to Canara Vidya Turant eligible expenses include tuition, hostel, examination, books, equipment and other course costs.	Starts at 6.85% p.a., subject to terms and the applicable student/institution profile.	Value awaiting review	Value awaiting review	Value awaiting review	Category A institutions: up to ₹50 lakh Category B: up to ₹40 lakh Category C: up to ₹30 lakh. The mapped-institution category controls the limit.	Repayment up to 15 years excluding the moratorium period, normally course duration plus one year.	Nil processing charge under the scheme. Applications through the -Vidyalaxmi portal may attract a portal fee of ₹200 plus .	No prepayment penalty during the repayment period.
Canara PM SVANidhiCanara Bank	Working Capital Term Loan (WCTL) in three graduated tranches.	7.00% p.a. interest subsidy is credited quarterly while the account remains Standard.	Canara Bank -linked prevailing rate the scheme also publishes 7.00% p.a. interest.	Value awaiting review	Value awaiting review	₹5,000–₹15,000 first ₹15,000–₹25,000 second ₹30,000–₹50,000 third.	12, 18 and 36 months including moratorium for tranches one, two and three.	Nil for all three tranches under prevailing bank guidelines prepayment has no penalty or cost.	Pre-payment is allowed without penalty or cost.
Canara PMEGPCanara Bank	Term loan and working-capital finance for a new micro enterprise or self-employment project.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Manufacturing ₹1 lakh to ₹50 lakh service ₹1 lakh to ₹25 lakh. Handloom individual// maximum ₹2 lakh and handloom organisation maximum ₹10 lakh under the displayed scheme section.	3 to 7 years with initial moratorium not exceeding 6 months.	Value awaiting review	Value awaiting review
Cent Combo Vehicle SchemeCentral Bank of India	Term loan for purchase of a new four-wheeler for personal use, combined with an existing or taken-over Central Bank home loan.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	0.50% plus , minimum ₹2,000 plus and maximum ₹20,000 plus full waiver through 31 December 2026.	Value awaiting review
Cent Vidyarthi Executive MBA LoanCentral Bank of India	Education term loan for or Executive at listed premier management institutes.	Value awaiting review	Value awaiting review	Value awaiting review	Indian national executive applicants need at least two years' work experience in government, corporate or multinational concern, minimum age 23, and admission or final selection to a listed Executive programme. Parent, guardian, spouse or parents-in-law may join as joint borrower.	₹50 lakh margin nil.	Up to 15 years excluding moratorium moratorium is course period plus one year.	Nil.	Value awaiting review
Cent Go Green Vehicle SchemeCentral Bank of India	Cent Grih Lakshmi uses the underlying Cent Home Loan facility the variant page does not define a separate facility type.	Value awaiting review	Value awaiting review	Value awaiting review	₹3 lakh for a four-wheeler and ₹1.80 lakh for a two-wheeler.	Salaried applicants: 24 times gross monthly salary. Other individuals: two times average annual income of the last two years. Maximum is ₹10 lakh for a new two-wheeler and ₹1 crore for a new four-wheeler.	Up to 72 months for a two-wheeler and up to 96 months for a four-wheeler.	Value awaiting review	Value awaiting review
Cent Gold Loan SchemeCentral Bank of India	Demand loan with bullet repayment against pledged gold jewellery, ornaments or bank-sold gold coins.	The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.	Value awaiting review	Value awaiting review	Value awaiting review	₹10,000 minimum and ₹60 lakh maximum overall under the retail-and-agriculture-micro (RAM) segment retail is 68%–78% and margin is 22%–32% by borrower/ exposure.	12 months.	Nil up to ₹5 lakh. Above ₹5 lakh: 0.30% of loan amount plus , capped at ₹5,000 the published validity is through 31 March 2027.	Nil.
Cent Grih LakshmiCentral Bank of India	Cent Grih Lakshmi uses the underlying Cent Home Loan facility the variant page does not define a separate facility type.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Scheme valid through 31 March 2027 all other Cent Home Loan terms apply.	Value awaiting review	Value awaiting review
Cent Home Double Plus SchemeCentral Bank of India	Cent Grih Lakshmi uses the underlying Cent Home Loan facility the variant page does not define a separate facility type.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	The variant adopts all other Cent Home Loan terms a separate numerical tenure is not published on this variant page.	Value awaiting review	Value awaiting review
Cent Home LoanCentral Bank of India	Housing term loan for purchase, construction, plot-plus-construction, repair/renovation, takeover and eligible furnishing/interior costs.	The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 90% of home/flat cost for loans up to ₹30 lakh 80% above ₹30 lakh up to ₹75 lakh 75% above ₹75 lakh. Repairs/renovation and plot purchase are financed at 75% . Furnishing/interiors may add up to 15% of cost subject to ₹50 lakh and the applicable .	Up to 30 years or until the borrower reaches age 75, whichever is earlier extensions, repairs and renovation must be repaid within 10 years.	0.50% of loan amount plus , capped at ₹20,000 Central Bank publishes a full processing-fee waiver through 31 December 2026. Documentation is ₹1,350 plus .	Value awaiting review
Cent Home Loan — 3rd, 4th or 5th House/FlatCentral Bank of India	Cent Home Loan variant for construction or acquisition of a new house/flat or an existing property not older than 40 years, specifically for a third, fourth or fifth house.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Property may be up to 40 years old with at least 10 years remaining beyond loan tenure	0.50% of loan amount plus , capped at ₹20,000 full waiver through 31 December 2026.	Value awaiting review
Cent Kisan Tatkal SchemeCentral Bank of India	Emergency agriculture and domestic term loan for existing Central Kisan Credit Card holders.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	50% of CKCC limit or 25% of annual income, whichever applies minimum ₹1,000 and maximum ₹50,000.	Within five years in half-yearly or yearly instalments.	Value awaiting review	Value awaiting review
Cent MortgageCentral Bank of India	Cent Grih Lakshmi uses the underlying Cent Home Loan facility the variant page does not define a separate facility type.	Value awaiting review	Value awaiting review	Value awaiting review	Minimum gross annual income ₹12 lakh.	Minimum ₹5 lakh and maximum ₹7.50 crore.	Term loan up to 180 months existing reducing-balance overdraft renewal up to 120 months.	Value awaiting review	Value awaiting review
Cent Pensioners LoanCentral Bank of India	Demand loan or overdraft for genuine personal credit needs, excluding speculation, real-estate investment and prohibited activities.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Age up to 70: 18 months' pension, maximum ₹10 lakh. Above 70: 12 months' pension, maximum ₹5 lakh. or notional must not exceed 50% of monthly pension.	Up to age 65: 60 months above 65 and up to 70: 36 months above 70: 24 months. drawing power is reduced monthly by notional .	Processing charge nil. Documentation charge ₹500 plus .	Value awaiting review
Cent Personal Loan SchemeCentral Bank of India	Term loan for personal/domestic expenses and takeover of an existing loan.	The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.	Value awaiting review	Value awaiting review	Minimum gross salary ₹1.80 lakh per year.	24 times gross salary, subject to a maximum of ₹20 lakh net take-home pay must be at least 50% of gross salary after statutory dues and all loan instalments. A 40% take-home threshold is permitted where an employer undertaking is available.	84 equated monthly instalments, in multiples of 12.	1.00% of loan amount plus nil for defence personnel. Documentation is ₹270 plus up to ₹2 lakh and ₹450 plus above ₹2 lakh nil for defence personnel.	Value awaiting review
Cent PM Vidyalaxmi SchemeCentral Bank of India	Collateral-free and guarantor-free education term loan under Vidyalaxmi for selected quality higher-education institutions.	Value awaiting review	Value awaiting review	Value awaiting review	For subvention: up to ₹4.5 lakh family income receives 100% interest subvention for technical/professional courses and 3% for other courses ₹4.5–₹8 lakh receives 3% under Vidyalaxmi.	Value awaiting review	Course period plus one year moratorium repayment up to 15 years excluding moratorium.	Processing nil integration ₹81 plus ₹50 plus per per borrower ₹200 plus pre-payment nil.	Nil.
Cent Skill LoanCentral Bank of India	Vocational education and training term loan for eligible government/NSDC/State Skill Mission-supported courses, including eligible courses onboarded on the Skill India Digital Hub.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	₹5,000 minimum to ₹7.50 lakh maximum margin 5%.	After moratorium: up to 3 years for loans up to ₹50,000 up to 5 years for ₹50,000 to ₹1 lakh up to 7 years above ₹1 lakh.	Nil.	Value awaiting review
Cent Tech VidyarthiCentral Bank of India	Education term loan for Indian students admitted to IITs or NITs after HSC through entrance or merit selection.	Published by institute category: 7.85% for 13 AAA IITs, 7.95% for other IITs, 10.05% for B-category NITs and 10.35% for C-category NITs concessions and benchmark terms apply as stated.	benchmark terms apply as stated	Value awaiting review	Value awaiting review	Up to ₹15 lakh.	Course period plus one year moratorium equated instalments up to 15 years after moratorium.	No processing charge integration ₹81 plus and ₹100 plus on successful application.	Value awaiting review
Cent Top Up LoanCentral Bank of India	Term top-up loan for personal needs of existing Central Bank housing-loan customers speculative, real-estate and capital-market uses are excluded.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Minimum ₹2 lakh and maximum ₹10 crore.	Repayment cannot exceed the remaining period of the underlying housing loan under its original sanction.	0.50% of loan amount plus , capped at ₹20,000 full processing-fee waiver through 31 December 2026. Documentation ₹450 plus .	Value awaiting review
Cent Vehicle BusinessCentral Bank of India	Business term loan for a new car, van, jeep, or used in lawful business activity by an Udyam-registered entity.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Up to ₹3 crore.	Maximum 60 months for the term loan.	Value awaiting review	Value awaiting review
Cent Vehicle LoanCentral Bank of India	Term loan for a new two- or four-wheeler for personal use vehicles for hiring or ferrying passengers are excluded.	Value awaiting review	Value awaiting review	Value awaiting review	₹3 lakh for a four-wheeler and ₹1.80 lakh for a two-wheeler.	Salaried applicants: 24 times gross monthly salary. Other individuals: two times average annual income of the last two years. Maximum ₹10 lakh for a new two-wheeler and ₹2 crore for a new four-wheeler.	Up to 60 months for a two-wheeler and up to 84 months for a four-wheeler.	Two-wheeler: 0.50% of loan amount, minimum ₹500 and maximum ₹2,000. Four-wheeler: 0.50% plus , minimum ₹2,000 plus and maximum ₹20,000 plus . Full processing-fee waiver through 31 December 2026 documentation fee nil.	Value awaiting review
Cent Vidyarthi SchemeCentral Bank of India	Cent Grih Lakshmi uses the underlying Cent Home Loan facility the variant page does not define a separate facility type.	Up to 1% interest concession may be provided during study if interest is serviced during study and the subsequent moratorium before repayment starts the base rate is linked to the latest table.	Value awaiting review	Value awaiting review	Value awaiting review	Maximum loan amount ₹2 crore. Margin is nil up to ₹4 lakh 5% in India above ₹4 lakh 15% abroad above ₹4 lakh.	Repayment up to 15 years after a moratorium equal to the course period plus one year.	Value awaiting review	Value awaiting review
Central Kisan Credit Card (CKCC)Central Bank of India	Short-term revolving cash credit for cultivation, dairy, fisheries, poultry, post-harvest marketing and allied activities.	7% per annum for advances covered by interest subvention otherwise up to ₹3 lakh +1.35%, ₹3–₹10 lakh +2.50%, and above ₹10 lakh to ₹1 crore +3.00%.	is referenced for non-subvention bands, but the page does not publish a separately named benchmark beyond that -linked spread.	Value awaiting review	Value awaiting review	Value awaiting review	Cash-credit limit sanctioned for five years, subject to review.	Value awaiting review	Value awaiting review
Digital Central Kisan Credit CardCentral Bank of India	Digital Kisan Credit Card for cultivation, ancillary activities, contingencies and emergency expenses.	Up to ₹3 lakh: 7% above ₹3 lakh to ₹10 lakh: +2.50%=11.20% above ₹10 lakh: +3.00%=11.70% ( shown as 8.70%).	+2	Value awaiting review	Value awaiting review	Value awaiting review	Five years subject to annual review.	Up to ₹3 lakh nil above ₹3 lakh 0.30%.	Value awaiting review
Agri Clinic and Agri Business Centres (ACABC)Indian Bank	Term loan for an agriculture professional's agri-clinic or agri-business-centre project.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Subsidy project-cost ceiling ₹20 lakh for an individual (₹25 lakh for an extremely successful individual project) and ₹1 crore for a group project of at least five trained persons finance can be higher if technically and financially viable, but subsidy remains scheme-limited.	Five to ten years depending on activity, including a maximum two-year moratorium.	Value awaiting review	Value awaiting review
Agricultural Godowns / Cold StorageIndian Bank	Term loan and cash-credit working-capital facility for agricultural godowns, cold stores, market yards and silos.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Term loan up to nine years, including a maximum two-year holiday period.	Value awaiting review	Value awaiting review
Purchase of Drones for Agricultural PurposeIndian Bank	Farm Machinery Financing custom-hiring loans up to ₹10 lakh can use .	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Compressed Bio Gas Plant Financing under SATATIndian Bank	Term loan, working capital, non-fund-based limit and letter of credit for SATAT compressed-bio-gas plants.	-linked range: minimum 10.70% p.a. ( 8.95% + 1.75%) to maximum 13.45% p.a. ( 8.95% + 4.50%).	8.95% plus a spread of 1.75%–4.50% on the reviewed table.	Value awaiting review	Value awaiting review	Up to ₹100 crore per borrower from the banking system can be classified under Priority Sector–Agriculture. ↑	Term loan repayable over 10–15 years, with a moratorium of six months to two years.	Value awaiting review	Value awaiting review
Dairy LoanIndian Bank	Agricultural term loan and cash credit for dairy units cash credit follows the Animal Husbandry model.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	dairy term loan or working capital up to ₹10 lakh ordinary term-loan and cash-credit amounts are based on unit cost, project cost or DLTC scale of finance without a universal ceiling.	Term loan maximum 72 months including one-month gestation where shed construction is involved, holiday period can extend to 12 months. Cash credit routes all generated cash through the account.	Value awaiting review	Value awaiting review
Food and Agro ProcessingIndian Bank	Term loan and cash credit for food and agro-processing units.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Term loan is based on project cost working capital up to ₹5 crore uses turnover method and amounts above ₹5 crore use II or cash-budget method NFB is need-based.	Term-loan repayment up to 15 years working capital is one year with annual renewal. Commercial repayment may use cash-flow, ballooning, bullet or structures.	As per the service-charge circular for agricultural advances no product-specific amount is printed on the page.	Value awaiting review
IB Education Loan (IBA)Indian Bank	Education loan under the IBA Model Educational Loan Scheme.	7.05% to 10.15% p.a. floating for the Education Loan row in Indian Bank's current personal-segment rate table the applicable slab varies by institution category and borrower profile.	The current education-loan rate row is labelled floating but does not identify a named benchmark or spread for this product.	Value awaiting review	Value awaiting review	Need-based finance is available for India and overseas studies subject to margin and eligible expenses. The page publishes a ₹25 lakh maximum specifically for Executive Management/Executive it does not publish a universal rupee ceiling for the regular IBA route.	Regular India/abroad education loans: up to 180 after the course and holiday period. Executive Management/Executive : up to 120 beginning the month after first disbursement moratorium is course period plus up to one year for regular education loans.	Up to ₹10 lakh: nil. Above ₹10 lakh: 0.15% of the loan amount, capped at ₹3,000 the current schedule applies where stated.	Value awaiting review
IB Home EnrichIndian Bank	Home-improvement loan for repairs and renovation of an owned residential dwelling.	8.15% to 8.70% p.a. floating for IB Home Enrich in Indian Bank's current personal-segment rate table dated 14 August 2026.	The current IB Home Enrich rate row is labelled floating but does not identify a named benchmark or spread.	Value awaiting review	The page does not state a rupee minimum-income amount. It requires steady income and at least three years of confirmed service/experience after the proposed , NTHP must be at least 40% where annual income is up to ₹15 lakh, or at least 30% and ₹6 lakh annual take-home pay where income is above ₹15 lakh.	₹1 lakh minimum and ₹10 lakh maximum.	Maximum repayment period 10 years. Holiday period lasts until repairs/renovation is complete or three months from disbursement, whichever is earlier holiday-period interest must be serviced monthly.	1% of loan amount, minimum ₹5,000 and maximum ₹15,000 nil for takeover cases under the shared Home Improve/Home Enrich schedule.	Value awaiting review
IB Home ImproveIndian Bank	Secured home-improvement loan for household articles, interiors, appliances, solar systems and related residential improvements.	8.15%–9.55% p.a. floating for IB Home Improve in Indian Bank's current personal-segment rate table dated 14 August 2026.	The IB Home Improve row is labelled floating but the current official table does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	Up to 36 times gross monthly income, subject to a maximum of ₹3 crore (₹300 lakh). Spouse or adult-child income may be included where the page's conditions are met.	Maximum 120 months with no holiday period.	1% of the loan amount, minimum ₹5,000 and maximum ₹15,000 under the current Indian Bank personal-segment processing-fee schedule is recovered separately.	Nil prepayment charges.
IB Home LoanIndian Bank	Home loan	7.15% to 8.55% p.a. floating for IB Home Loan and IB Home Loan () in Indian Bank's rate table dated 14 August 2026 the applicable rate varies by borrower and lending slab.	The official rate table classifies this as a floating rate but does not name a benchmark (such as RBLR or ) for the product row.	Value awaiting review	If applicants' gross annual income is up to ₹15 lakh, take-home income must be at least 40% of gross annual income. Above ₹15 lakh gross annual income, net take-home pay must be at least ₹50,000 per month.	The current IB Home Loan page does not state a universal rupee ceiling. Eligible finance is determined from the published income test, property value, margin and repayment-capacity rules.	General home loan maximum 30 years including the holiday period repairs and renovation maximum 10 years. Commercial-real-estate home loan is up to 30 years for salaried and 25 years for non-salaried applicants.	₹1,500 for loan amount up to ₹25 lakh ₹2,500 above ₹25 lakh up to ₹75 lakh ₹5,000 above ₹75 lakh. Nil for takeover cases is recovered separately.	Nil prepayment charges for the home-loan route in the current Indian Bank retail charge schedule.
IB Home Loan FlexiIndian Bank	Home-loan overdraft () facility linked to an IB Home Loan scheme.	0.40% p.a. over the applicable under the respective IBHL scheme, based on the borrower's current / score and extant guidelines.	The applicable IBHL scheme is the reference rate the Flexi page adds a 0.40% p.a. spread and does not name a separate benchmark.	Value awaiting review	Value awaiting review	Value awaiting review	A maximum repayment tenure is not stated on the reviewed Flexi page servicing and drawing-power reduction follow the underlying IBHL arrangement.	Value awaiting review	Value awaiting review
IB Home Loan PlusIndian Bank	Home loan	7.65% to 8.75% p.a. floating for IB Home Loan Plus in Indian Bank's rate table dated 14 August 2026 the applicable rate varies by borrower and lending slab.	The official rate table classifies this as a floating rate but does not name a benchmark (such as RBLR or ) for the product row.	Value awaiting review	If gross annual income is up to ₹15 lakh, take-home income must be at least 40% of gross annual income. Above ₹15 lakh, net take-home pay must be at least ₹50,000 per month.	Minimum ₹1 lakh and maximum ₹10 crore. The first top-up is calculated at 75% of realisable sale value less home-loan outstanding subsequent top-ups deduct previous IB Home Loan Plus outstanding as well.	Term loan maximum 15 years. Step-down overdraft is liquidated over a maximum of 15 years through equal monthly deductions.	1% of the loan amount, minimum ₹5,000 and maximum ₹15,000 nil for takeover cases. is recovered separately.	Nil pre-payment charges for IB Home Loan Plus.
IB Insta CashIndian Bank	Overdraft facility in the Indian Bank savings account into which the customer's salary is credited.	9.00% p.a. floating under the current Indian Bank personal-segment rate table.	Value awaiting review	Value awaiting review	Minimum monthly salary credited to the Indian Bank account: ₹25,000 salary credits must have been received for at least one month.	₹25,000 minimum maximum is the lower of ₹2,00,000 or two months' salary.	One year the overdraft is repayable on demand and must be liquidated three months before retirement.	Value awaiting review	Value awaiting review
IB Loan against Sovereign Gold BondIndian Bank	Secured loan against Sovereign Gold Bonds.	9.15% to 10.00% p.a. floating for Sovereign Gold Bond loans in Indian Bank's current personal-segment rate table dated 14 August 2026.	The current Sovereign Gold Bond rate row is labelled floating but does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	Value awaiting review	One year, with bullet repayment of principal and interest at the end of the term.	Value awaiting review	Value awaiting review
IB Pension LoanIndian Bank	Unsecured personal loan for eligible government, family and Indian Bank pensioners, supported by pension-account recovery and a guarantor.	9.90%–10.15% p.a. floating for Pension Loan in Indian Bank's current personal-segment rate table dated 14 August 2026.	The Pension Loan row is labelled floating but the current official table does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	Regular pensioner: up to 18 times monthly pension credit. Family pensioner: up to 12 times monthly pension credit.	Maximum 10 years, subject to the applicable maximum exit age: 78 years for regular pensioners and 75 years for family pensioners.	Nil for loan amounts up to ₹25,000 ₹250 above ₹25,000 under the current Indian Bank personal-segment processing-fee schedule.	Value awaiting review
IB Plot LoanIndian Bank	Secured residential plot-purchase loan for an ownership-based house site in an approved layout.	8.15%–9.55% p.a. floating for Plot Loan and Plot Loan () in Indian Bank's current personal-segment rate table dated 14 August 2026.	The Plot Loan row is labelled floating but the current official table does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	Maximum ₹12 crore (₹1,200 lakh) in metro areas. Area caps are ₹1 crore rural, ₹2 crore semi-urban, ₹6 crore urban and ₹12 crore metro cannot exceed 75%.	Maximum 180 no holiday period is allowed.	Residents: 1% of loan amount, minimum ₹5,000 and maximum ₹15,000. plot-loan cases: ₹25,000 plus , under the current Indian Bank schedule.	Value awaiting review
IB Professional Personal LoanIndian Bank	Personal term loan for recognised professionals.	9.00% to 9.25% p.a. floating for IB Professional in Indian Bank's current personal-segment rate table dated 14 August 2026.	The current IB Professional rate row is labelled floating but does not identify a named benchmark or spread.	Value awaiting review	Minimum annual gross income ₹7.50 lakh during each of the last two years professionals must have filed regularly for the last two years.	The lower of 2.50 times the lowest gross annual income during the last two years or ₹30 lakh.	Term loan maximum 84 equated monthly instalments.	Value awaiting review	Value awaiting review
IB Rent EncashIndian Bank	Secured term finance against rent receivables from leased residential or commercial property.	8.75%–10.25% p.a. floating under the current Indian Bank personal-segment rate table.	The current rate table labels the rate floating but does not name a benchmark or spread.	Value awaiting review	Value awaiting review	High-grade lessee: up to ₹5 crore in Tier I/II centres and ₹2 crore in other centres other lessees: up to ₹2 crore in Tier I/II centres and ₹1 crore in other centres, subject to the published rent and lease-period limits.	High-grade lessee cases: maximum 120 months other-lessee cases: maximum 84 months, or the residual lease period where shorter.	1% of the loan amount under the current personal-segment processing-fee schedule.	For individuals, term-loan prepayment is nil. For non-individuals, term-loan and overdraft prepayment is 2% plus on the higher of outstanding balance or drawing limit.
IB RentalIndian Bank	Secured loan against lease rentals from commercial or residential property.	8.45%–10.45% p.a. floating for IB Rental the current table also lists an IB Rental () variant at 8.95%–10.95%.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	repayment maximum 144 months 180 months may be considered selectively.	1% of the loan amount under the current personal-segment schedule for Rent Encash / IB Rental.	Value awaiting review
IB Skill LoanIndian Bank	Skill-development education loan.	9.45% p.a. floating for IB Skill Loan in Indian Bank's current personal-segment rate table dated 14 August 2026.	The current IB Skill Loan rate row is labelled floating but does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	₹5,000 minimum and ₹7.50 lakh maximum.	Up to 3 years for loans up to ₹50,000 up to 5 years for loans above ₹50,000 and up to ₹1 lakh up to 7 years above ₹1 lakh.	Nil processing fee for Educational Skill Loan under the current Indian Bank schedule.	Value awaiting review
IB Vehicle LoanIndian Bank	Vehicle loan covering new car, new two-wheeler and used-car finance.	7.55% to 8.85% p.a. floating for IB Vehicle Loan in Indian Bank's current rate table separate rows also list Eco Vahan at 7.50%–8.75%, used-car purchase at 9.55%–11.65% and two-wheelers at 8.90%–10.40%.	The current vehicle-loan rate rows are labelled floating but do not identify a named benchmark or spread.	Value awaiting review	New car: salaried gross monthly income ₹25,000 pension ₹20,000 monthly professional/self-employed/business net annual income ₹3 lakh. New two-wheeler: salaried net salary ₹10,000 pension ₹10,000 professional/self-employed/business net annual income ₹1.50 lakh. Used car: salaried net salary ₹20,000 pension ₹20,000 professional/self-employed/business net annual income ₹3 lakh. Firms and companies must have generated net profit during the last two years.	New car up to ₹5 crore new two-wheeler up to ₹10 lakh used car up to ₹3 crore.	New car maximum 84 months new two-wheeler maximum 48 months used car maximum 72 months.	New car: ₹1,200 plus . New two-wheeler: 1% of loan amount. Used car: 1% of loan amount, capped at ₹10,000 applies as stated in the schedule.	Nil prepayment charge for individual borrowers 2% of outstanding balance for non-individual borrowers, as stated on the current vehicle-loan page.
IND AGRO MORTGAGEIndian Bank	Term loan.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	₹10 crore maximum exposure.	Maximum 120 months door-to-door tenor.	0.50% of sanctioned limit other service charges follow the bank circular.	Value awaiting review
IND AGRO Mortgage — Monthly Dropline OD FacilityIndian Bank	Monthly Dropline overdraft facility.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	₹10 crore maximum.	Maximum 120 months door-to-door drawing power reduces monthly to liquidate the overdraft by the end.	0.50% of sanctioned limit other service charges follow the bank circular.	Value awaiting review
Ind MortgageIndian Bank	Property-backed mortgage loan (loan against property).	Floating rate: Ind Mortgage term loan 8.95%–10.35% p.a. up to ₹7.50 crore and 9.00%–10.85% above ₹7.50 crore overdraft 9.95%–11.60% p.a., per Indian Bank's current table dated 14 August 2026.	The current Ind Mortgage rate rows are labelled floating but do not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	₹5 lakh minimum and proposals up to ₹25 crore (₹2,500 lakh). Proposals above ₹25 crore are considered by the corporate-office committee within delegated powers.	Normally up to 84 months with no holiday period may be extended to 180 months for specified salaried employers or Tier I/II property locations, subject to ZLCC approval and the page's account-routing conditions.	1% of the loan amount under the current Ind Mortgage Scheme charge schedule is recovered separately.	Term loan: nil for individuals and 2% of balance outstanding for non-individuals. Overdraft: 2% of balance outstanding irrespective of borrower type.
Jewel LoanIndian Bank	Secured term loan or overdraft against pledged gold jewellery.	Jewel Loan (Non-Priority) term loan with bullet repayment: 9.10% p.a. floating in Indian Bank's current rate table dated 14 August 2026. The current table lists the separate -against-gold-jewels rate under the product.	The Jewel Loan term row is labelled floating but the current official table does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	Retail jewel loans are capped at ₹25 lakh per customer, with an aggregate customer ceiling of ₹50 lakh across the published agriculture/retail/ jewel-loan limits. Up to five jewel loans may be held at one time.	Bullet repayment: maximum 12 months, repaid at the end of the 12th month with accrued interest. repayment: maximum 35 months, with beginning in the month after disbursement.	Nil under the current Indian Bank schedule for Jewel Loan (Non-Priority).	Value awaiting review
Joint Liability Group (JLG) LoanIndian Bank	Joint Liability Group () group loan for agriculture, allied agriculture and eligible non-agriculture activity.	Value awaiting review	Indian Bank lending rates the 03 August 2026 benchmark sheet lists one-year at 8.85%. Product-specific spread is not published.	Value awaiting review	Value awaiting review	Agriculture, allied-agriculture and non-agriculture activity: group maximum ₹10 lakh, subject to ₹1 lakh per individual. Tenant and oral-lessee groups: group maximum ₹5 lakh, subject to ₹50,000 per individual.	Six to 60 months, depending on the activity for which the loan is sanctioned.	Value awaiting review	Value awaiting review
Kisan Credit Card (KCC) — Animal Husbandry and FisheriesIndian Bank	Revolving cash-credit limit for animal husbandry and fisheries activities.	Up to ₹2 lakh: 7% p.a. where interest subvention is available. Up to ₹3 lakh: (one-year) + 2.50% above ₹3 lakh refer the bank's lending-rates link.	(one-year) plus 2.50% for the published up-to-₹3 lakh card-rate band subvention may set the rate up to ₹2 lakh where available.	Value awaiting review	Value awaiting review	Value awaiting review	Revolving cash-credit limit repayment is fixed according to activity cash flow/income-generation pattern, with all generated cash routed through the cash-credit account.	Value awaiting review	Value awaiting review
KCC Gold PlusIndian Bank	Revolving cash-credit limit for short-term crop cultivation.	Value awaiting review	is referenced, but no numeric spread is printed.	Value awaiting review	Value awaiting review	₹25 lakh.	Value awaiting review	For agricultural jewel loans, up to ₹50,000: nil above ₹50,000: 0.20% of loan amount with minimum ₹200. The official footnote specifically applies 0.20% to Gold Plus and Marine Gold limits above ₹3 lakh charges are exclusive of .	Value awaiting review
Kisan Credit Card (KCC)Indian Bank	Kisan Credit Card crop and allied-activity credit the digital journey supports fresh sanction and renewal for eligible existing customers.	Digital : 7% p.a. up to ₹3 lakh under the Government of India interest-subvention scheme until the renewal due date or one year from sanction, whichever is earlier. If not repaid or renewed by then, the states (1-year) + 2.50% spread prompt-repayment incentive applies subject to the scheme continuing.	(one-year) with a 2.50% spread is the stated post-due formula for the digital account subvention-supported components are charged at the Government scheme rate while eligible.	Value awaiting review	Value awaiting review	Digital currently supports up to ₹2,00,000 (the fifth-year limit) higher limits can be requested offline. Digital renewal combines a customer's up to ₹2,00,000 and permits 10%, 20% or 30% annual enhancement subject to eligibility and a ₹2,00,000 ceiling.	documentation covers five years subject to annual renewal. A digital account becomes eligible for renewal from nine months after limit setting and within four years six months of account opening digital renewal can be selected from the second year onward.	No processing charge is collected for the Digital journey. verification, digital-documentation and state stamp-duty charges are collected at actuals where applicable.	Value awaiting review
Kisan Gold backed Farm Credit (IND KGFC) for Allied ActivitiesIndian Bank	Running gold-backed farm credit / cash-credit limit for allied agricultural activities.	(one year) + spread 0.10%. ↓	(one year) plus 0.10% spread.	Value awaiting review	Value awaiting review	₹50 lakh aggregate.	Running limit renewable every year or half-year based on activity, with request-based renewal after interest payment.	Agriculture jewel loan: up to ₹50,000 nil above ₹50,000 0.20% of loan amount with minimum ₹200. The fee schedule footnote applies 0.20% to Marine Gold above ₹3 lakh is extra.	Value awaiting review
Kisan Gold backed Farm Credit (IND KGFC) for Crop CultivationIndian Bank	Running gold-backed farm credit / cash-credit limit for crop cultivation.	(one year) + spread 0.10%. ↓	(one year) plus 0.10% spread.	Value awaiting review	Value awaiting review	₹50 lakh aggregate.	Running limit, renewable annually renewal on request after payment of interest.	Agriculture jewel loan: up to ₹50,000 nil above ₹50,000 0.20% of loan amount with minimum ₹200. The fee schedule footnote applies 0.20% to Gold Plus and Marine Gold above ₹3 lakh is extra.	Value awaiting review
IND Krishi Infra Fund (Agriculture Infrastructure Fund)Indian Bank	Term loan for agriculture infrastructure and post-harvest/community assets.	(one-year) + 1.00%, subject to a maximum of 9.00% in the shared official agriculture-rate table 3% p.a. interest subvention applies up to ₹2 crore for up to seven years.	(one-year) + 1.00%, capped at 9.00% in the reviewed rate table.	Value awaiting review	Value awaiting review	Based on project cost benefits apply up to ₹2 crore, while sanctions above ₹2 crore may be made with benefits restricted to ₹2 crore.	Maximum seven years including a holiday period of up to two years.	Up to ₹25,000: nil above ₹25,000: as per the agriculture service-charge circular.	Value awaiting review
IND Krishi VaahanIndian Bank	Fixed-rate term loan for tractors and machinery used in custom-hiring agricultural support services.	12.00% p.a. fixed.	Value awaiting review	Value awaiting review	Value awaiting review	₹10 lakh per unit.	Term-loan maximum five years custom-hiring repayment is set monthly from cash flow and .	₹2,500 per unit (fixed).	Value awaiting review
Ind Lakhpati Didi SchemeIndian Bank	Term loan.	One-year plus applicable spread.	(one-year) plus applicable spread.	Value awaiting review	Value awaiting review	Need-based ₹75,000 to ₹5 lakh.	Maximum 60 months including moratorium.	Value awaiting review	Value awaiting review
Loan / OD against NSC, KVP, RBI Relief Bonds and LIC PoliciesIndian Bank	Secured term loan or overdraft against , , Relief Bonds or eligible policies.	9.50% p.a. floating for loans/overdrafts against , , policy or Relief Bonds in Indian Bank's current rate table dated 14 August 2026.	The current securities-backed rate row is labelled floating but does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	Term loan minimum ₹10,000 with no upper ceiling overdraft minimum limit ₹2 lakh with no upper ceiling, subject to prescribed margins.	/ Relief Bond finance: up to 5 years or instrument maturity, whichever is earlier. policy advance: up to 6 years or policy maturity, whichever is earlier.	Up to ₹1 lakh: nil. Above ₹1 lakh: ₹500 under the current Indian Bank schedule for loans against / Bonds.	Term loan: nil for individuals and 2% of balance outstanding for non-individuals. Overdraft: 2% of balance outstanding irrespective of borrower type.
Loan/OD/Credit Card against DepositIndian Bank	Secured term loan, overdraft or Visa/RuPay credit card against an eligible Indian Bank term deposit.	For term loan and overdraft, 1 percentage point above the applicable interest rate on the pledged term deposit. The credit-card facility does not have a separate rate stated on this page.	The term-loan and overdraft rate is linked to the applicable rate of the pledged Indian Bank term deposit no separate lending benchmark is named.	Value awaiting review	Value awaiting review	Online mode: lower of 90% of the deposit value and ₹10 lakh. Branch mode: up to 90% of the accrued deposit value, with a 10% margin the facility cannot run beyond deposit maturity.	Branch term-loan repayment is flexible but cannot extend beyond the maturity date of the pledged term deposit. The online page does not state a separate instalment tenor.	Value awaiting review	Value awaiting review
OD against Gold JewelsIndian Bank	Revolving overdraft secured by pledged gold jewellery.	8.50%–8.80% p.a. floating for the non-priority against Gold Jewels row in Indian Bank's current rate table dated 14 August 2026.	The -against-gold-jewels row is labelled floating but the current official table does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	₹25,000 minimum and ₹10 lakh maximum overdraft limit eligible amount is the lower of 75% of market value of pledged jewels and the per-gram advance value.	The overdraft is renewed within one year of original or latest sanction, with withdrawals permitted within the limit and interest serviced as charged.	Nil under the current Indian Bank schedule for against Gold Jewels.	Value awaiting review
IND PASHUDHAN Mitra — Animal Husbandry Infrastructure Development Fund (AHIDF)Indian Bank	Term loan under .	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Maximum 10 years including a holiday period of up to two years.	As per the service-charge circular for agricultural advances no product-specific amount is printed.	Value awaiting review
IND KISAN SAUR SHAKTHI — PM KUSUM Component AIndian Bank	Term loan for a renewable power generation plant.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Up to 70% of project cost, capped at ₹10 crore.	Maximum 15 years including moratorium.	Up to ₹25,000: nil above ₹25,000: 0.50% of sanctioned limit plus applicable .	Value awaiting review
IND KISAN SAUR SHAKTHI — PM KUSUM Components B&CIndian Bank	Term loan for -KUSUM solar-pump projects.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Maximum five years.	Up to ₹25,000: nil above ₹25,000: as per the agriculture service-charge circular.	Value awaiting review
IND KISAN SAUR SHAKTHI — PM KUSUM Component C Feeder-level SolarisationIndian Bank	Term loan plus bank guarantee against 100% cash margin.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Maximum 15 years including a moratorium of up to 24 months.	Up to ₹25,000: nil above ₹25,000: 0.50% of sanctioned limit plus .	Value awaiting review
Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY)Indian Bank	Term loan and cash credit for fisheries value-chain enterprises and beneficiaries.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
IND Micro Food Processing Enterprises (PMFME)Indian Bank	Term loan need-based working capital may be financed under other schemes.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Term-loan repayment up to 15 years final structure follows project life and cash flows.	As per the service-charge circular for agricultural advances no product-specific amount is printed.	Value awaiting review
Pradhan Mantri Matsya Sampada Yojana (PMMSY)Indian Bank	Term loan and cash credit for fisheries projects.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
IB Produce Marketing Loan — Loan Against eNWRsIndian Bank	Demand loan (term loan or working capital) against electronic Negotiable Warehouse Receipts.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	₹1 lakh minimum and ₹75 lakh maximum per borrower.	Within the approved commodity period and shelf-life, subject to a maximum of 12 months.	Value awaiting review	Value awaiting review
RBD Secured ODIndian Bank	Fund-based secured overdraft running limit subject to annual review/renewal.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	₹2 crore maximum exposure.	Value awaiting review	0.50% of sanctioned limit other service charges follow the bank circular.	Value awaiting review
Reverse MortgageIndian Bank	Reverse mortgage loan secured by an eligible self-occupied residential property.	9.40% p.a. floating for Reverse Mortgage Loan in Indian Bank's current personal-segment rate table dated 14 August 2026.	The current Reverse Mortgage rate row is labelled floating but does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	Maximum loan amount ₹75 lakh. A medical-expense lump sum can be up to 20% of eligible loan amount, capped at ₹15 lakh the balance is paid as monthly annuity.	Up to 15 years, with provision to roll over after revaluation on fresh terms.	0.30% of the loan limit under the current Indian Bank retail processing-fee schedule.	Prepayment is available without pre-payment charges.
Salary Loan — IB Clean Loan to Salaried ClassIndian Bank	Unsecured clean salary loan available as a term loan or overdraft.	Term loan: 9.65%–10.15% p.a. floating. Overdraft: 10.65%–11.15% p.a. floating, per Indian Bank's current rate table dated 14 August 2026.	The clean salary term-loan and overdraft rows are labelled floating but the current official table does not identify a named benchmark or spread.	Value awaiting review	Value awaiting review	Value awaiting review	Term loan maximum 84 months in both categories. Category 1 overdraft is valid one year. Category 2 overdraft reduces monthly: up to 60 months for limits up to ₹5 lakh and up to 84 months above ₹5 lakh.	Government/ employees: nil. Others: 1% of loan amount, maximum ₹10,000, under the current Indian Bank schedule for Clean Salary Loan and Clean Salary Loan Overdraft.	Value awaiting review
SHG Bank Linkage Programme — Direct Linkage to SHGsIndian Bank	Direct credit linkage, with corpus/-based staged term or working-capital credit.	Value awaiting review	The page references but does not publish a current numeric spread or benchmark formula.	Value awaiting review	Value awaiting review	Value awaiting review	Maximum 72 months depending on the activity.	Value awaiting review	Value awaiting review
SHG Grihalakshmi — Housing Loan to SHG MembersIndian Bank	Individual housing term loan recommended by an eligible .	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	₹2 lakh per member.	Maximum 15 years.	Nil processing and other charges.	Value awaiting review
SHG ShaktiIndian Bank	Term loan and cash credit for eligible existing Self Help Groups.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Above ₹10 lakh and up to ₹20 lakh.	Term loan maximum 60 months depending on activity cash-credit limits have yearly drawing-power assessment.	Value awaiting review	Value awaiting review
IB Star Agro Mills (Rice Mill, Dhal Mill, Oil Mill and Flour Mill)Indian Bank	Term loan and cash credit.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Term loans up to seven years with up to 12-month holiday working capital one year with annual renewal.	As per the service-charge circular for agricultural advances no product-specific amount is printed.	Value awaiting review
Tarun Plus SchemeIndian Bank	Term loan and working capital facility.	1-year + spread 3.00%.	(one year) plus 3.00% spread.	Value awaiting review	Value awaiting review	Above ₹10 lakh up to ₹20 lakh minimum is above ₹10 lakh.	Term-loan repayment up to 84 months the page does not publish a separate working-capital tenor.	Processing, documentation and other charges apply as per the bank's service-charges circular no Tarun Plus-specific amount is printed.	Value awaiting review
Financing Agriculturists for Tractors and Farm MachineryIndian Bank	Agricultural term finance for tractors, implements, power tillers and pre-owned tractors.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Tractor: nine years (18 half-yearly instalments) power tiller: seven years (14 half-yearly instalments) pre-used tractor: five years with quarterly, half-yearly or yearly instalments.	Value awaiting review	Value awaiting review
PNB e-OD Against Fixed DepositPunjab National Bank	Digital overdraft against one eligible PNB offline or online fixed deposit, with optional credit-line linking.	Applicable interest rate on the linked plus 1 percentage point PNB's example shows a 6.00% producing a 7.00% e- rate.	Value awaiting review	Value awaiting review	Not applicable the facility is secured by an eligible fixed deposit and the official page does not require a salary or income threshold.	₹25,000 minimum and ₹50 lakh maximum per customer, after maintaining the applicable margin.	Maximum advance period is the residual maturity period of the linked fixed deposit the overdraft auto-closes on the maturity date.	No processing or documentation charges.	Value awaiting review
PNB Personal Loan for LIC EmployeesPunjab National Bank	Personal loan for all types of personal needs to confirmed/permanent employees.	employees with a PNB salary account: +, presently 8.10% p.a. floating / 9.10% fixed. Without a PNB salary account: ++0.50%, presently 8.60% floating / 9.60% fixed.	+ for employees with PNB salary account ++0.50% without a PNB salary account.	Value awaiting review	Value awaiting review	Up to 24× gross monthly salary, capped at ₹20 lakh, subject to repayment capacity.	Remaining period of service or maximum 72 , whichever is earlier.	Nil processing/upfront fee and nil documentation charges.	Nil.
PNB PMAY-U 2.0 Home LoanPunjab National Bank	Home loan for purchase, re-purchase or construction of a house under 2.0 Interest Subsidy Scheme.	Value awaiting review	Value awaiting review	Value awaiting review	Income ceilings: up to ₹3 lakh annual household income above ₹3 lakh up to ₹6 lakh above ₹6 lakh up to ₹9 lakh.	Up to ₹25 lakh, subject to and repayment capacity eligible property value for subsidy is up to ₹35 lakh.	Up to age 70 or 30 years including moratorium, whichever is earlier minimum five years is required to receive the subsidy.	Value awaiting review	Value awaiting review
PNB Baghban Reverse MortgagePunjab National Bank	Reverse mortgage with fixed monthly disbursements calculated on a reverse-annuity basis against an eligible self-occupied residential property.	Floating ++2.75%, presently 10.85% p.a. fixed 11.85% under the current PNB Baghban rate row.	+ + 2.75% under the current PNB rate table.	Value awaiting review	Not applicable the reverse-mortgage page qualifies applicants by age, residency, property ownership and title rather than a salary or income floor.	Maximum qualifying loan, including interest, ₹1 crore a medical-treatment lump sum is permitted up to ₹15 lakh.	The published reverse-annuity chart covers 10 to 20-year tenors monthly payment continues for the chosen period or until the death of the last surviving spouse, whichever is earlier.	Half a month's loan instalment, capped at ₹15,000 the current charge schedule lists this for reverse mortgage loans.	Value awaiting review
PNB Car LoanPunjab National Bank	Vehicle loan	Floating rates in PNB's published new-car table run from 7.85% to 9.70% p.a. by borrower type, vehicle type and band fixed rates run from 8.85% to 10.70% p.a.	+ (Repo Linked Lending Rate plus Business Strategic Premium), with spread determined by and vehicle route.	Value awaiting review	Minimum monthly salary ₹20,000 in the published vehicle-loan scheme features chart.	Up to 25 times net monthly salary, maximum ₹1 crore for the four-wheeler scheme new vehicles are financed up to 90% of on-road price in the scheme chart.	New vehicle: maximum 84 months or remaining service, whichever is lower old vehicle: maximum 60 months or remaining service, whichever is lower.	0.25% of loan amount, minimum ₹1,000 and maximum ₹1,500 documentation charges are nil in the current retail schedule.	Value awaiting review
PNB Combo Car LoanPunjab National Bank	New-car term loan linked to an existing or new PNB housing loan, secured by extending the mortgage on the housing-loan property.	The scheme page links to PNB's current new-car rate table the table publishes new-car floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a. by borrower//e-vehicle route, without a separate Combo line.	+ with the applicable new-car borrower/ spread the Combo page does not publish a separate benchmark.	Value awaiting review	Salaried applicants: minimum gross monthly income ₹50,000. Professionals, self-employed and business applicants: minimum post-tax annual income ₹6 lakh, averaged over the last three years, with consistent gross-income growth.	Up to 90% of the on-road price of the brand-new car the page does not publish a separate rupee ceiling.	Up to 84 months or the remaining repayment period of the housing loan, whichever is shorter.	NIL under the current PNB retail charge schedule for PNB Combo Loan Scheme.	Value awaiting review
PNB Concessional Education Loan for Persons with DisabilitiesPunjab National Bank	Education loan	4% per annum under the NHFDC-linked concessional education-loan scheme.	Value awaiting review	Value awaiting review	Value awaiting review	Need-based finance up to ₹50 lakh for studies in India and up to ₹50 lakh for studies abroad.	Maximum 10 years after commencement of repayment repayment begins one year after course completion.	Value awaiting review	Value awaiting review
PNB Digi Credit Risk Guarantee Home LoanPunjab National Bank	Home loan for purchase/construction of a house or flat, additions, repairs, renovation or alteration no standalone plot loan.	Value awaiting review	Value awaiting review	Value awaiting review	Annual income up to ₹9 lakh the scheme specifically supports borrowers with minimal or no documented income who have digital banking/economic footprints.	Home loan ₹35 lakh in metro centres (project cost up to ₹45 lakh) or ₹25 lakh elsewhere (project cost up to ₹30 lakh) repair/renovation ₹10 lakh in metros or ₹6 lakh elsewhere.	Maximum 25 years (300 months), with full repayment before the youngest earning borrower reaches age 70.	Value awaiting review	Value awaiting review
PNB Digi Home LoanPunjab National Bank	Digital home loan for eligible housing purposes the page excludes take-over of a home loan from another bank.	Value awaiting review	Housing rates are expressed as + with / spread in the current PNB table.	Value awaiting review	Value awaiting review	Maximum loan amount up to ₹10 crore.	Value awaiting review	NIL processing and documentation charges on the reviewed digital product page.	Value awaiting review
PNB Digital Car LoanPunjab National Bank	Digital new-car loan for a car, van, jeep, or .	The current PNB new-car table publishes floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a., varying by vehicle type, and borrower route.	+ with -, vehicle- and borrower-route spread.	Value awaiting review	Minimum income ₹25,000 per month two years' filing is mandatory.	₹1 lakh minimum and ₹1 crore maximum.	Value awaiting review	NIL on the reviewed Digital Car Loan page for processing and documentation charges.	Value awaiting review
PNB Digital Education LoanPunjab National Bank	Digital, collateral-free education loan under the PNB Vidyalaxmi route for approved QHEIs in India.	starting at 6.85% p.a. the current PNB table assigns 6.85% to the top Vidyalaxmi institute category, with higher bands for other listed institutes.	+ with institute-category spread under the current Vidyalaxmi table.	Value awaiting review	Value awaiting review	Value awaiting review	Maximum 15 years in moratorium is the course period plus one year.	NIL processing and documentation charges.	Value awaiting review
PNB Digital Gold LoanPunjab National Bank	Digital gold loan with agricultural and retail demand-loan, and overdraft variants.	Agriculture: +0.50% up to ₹2.5 lakh and +0.75% above. Retail: +0.85% up to ₹10 lakh and +0.90% above ₹10 lakh.	(Repo Linked Lending Rate) plus the segment and amount spread.	Value awaiting review	Value awaiting review	Retail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.	Agriculture: bullet up to 12 months, up to 36 months or overdraft 12 months subject to renewal. Retail: bullet up to 12 months or up to 36 months.	Retail: 0.30% of loan amount plus or ₹500 plus , whichever is higher. Agriculture: nil up to ₹50,000 ₹500+ up to ₹2 lakh above ₹2 lakh 0.25%+ capped at ₹5,000+.	Value awaiting review
PNB Doctor's Delight Personal LoanPunjab National Bank	Professional/personal term loan or overdraft for eligible doctors.	Value awaiting review	Value awaiting review	Value awaiting review	Minimum gross annual income/salary ₹5 lakh and above is mandatory.	₹2 lakh minimum and ₹20 lakh maximum, or 24× monthly gross salary/income, whichever is lower.	Up to 84 or the remaining service period, whichever is earlier overdraft is adjusted over a maximum 84 months.	0.90% of loan amount documentation charge ₹450, with /taxes added where applicable.	NIL.
PNB Gen-Next Housing LoanPunjab National Bank	Housing loan for purchase or construction of a residential house or flat, including an approved under-construction builder flat.	The current PNB housing table applies + housing rates by score, and tenure the Gen-Next page links to that table without a separate Gen-Next rate row. Reviewed floating housing rates are about 7.25%–10.15% p.a. across published slabs.	+ , with the housing table's and spread.	Value awaiting review	Minimum net monthly salary ₹35,000 net salary is gross salary less statutory deductions such as income tax and provident fund.	Minimum ₹20 lakh maximum amount is need-based, subject to prescribed and repayment capacity. The scheme calculates up to 1.25 times the regular housing-loan eligibility amount.	Flat 30 years moratorium up to 36 months generally or up to 60 months for an approved under-construction builder flat, with interest serviced during the moratorium.	The Gen-Next page links to PNB housing charges the current schedule lists PNB Pride as nil but does not identify a separate Gen-Next line item.	Value awaiting review
PNB Gold LoanPunjab National Bank	Gold loan	Retail gold loan: + 0.85% up to ₹10 lakh and + 0.90% above ₹10 lakh. PNB Swarnim agricultural gold loan: + 0.50% up to ₹2.5 lakh and + 0.75% above ₹2.5 lakh.	(Repo Linked Lending Rate), plus the published gold-loan spread for the facility and amount band.	Value awaiting review	Value awaiting review	Retail gold loan: ₹25,000 minimum to ₹25 lakh maximum. PNB Swarnim agricultural gold loan: ₹10,000 minimum to ₹25 lakh maximum.	Bullet demand loan up to 12 months term loan up to 36 months overdraft up to 36 months subject to annual review.	Retail: 0.30% of loan amount plus or ₹500 plus , whichever is higher documentation charges nil. PNB Swarnim: nil up to ₹50,000, then ₹500 plus up to ₹2.5 lakh, and 0.25% above that subject to ₹5,000 plus maximum.	Value awaiting review
PNB Green Car (E-Vehicle) LoanPunjab National Bank	Electric-car vehicle loan for a new e-vehicle for personal use or reimbursement of a new e-vehicle no more than three months old.	Current new e-vehicle rates run from 7.60% to 9.65% p.a. floating and 8.60% to 10.65% p.a. fixed, varying by borrower type and band the table includes a 0.05% concession versus other new-car pricing.	+ with borrower and -dependent spread the e-vehicle column receives a 0.05% rate concession.	Value awaiting review	Minimum net monthly salary, pension or income ₹25,000. No minimum monthly income is required when the borrower provides liquid security equal to 110% in a term deposit.	Value awaiting review	Maximum 120 equated monthly instalments, beginning in the month after disbursement repayment must finish by age 70 for salaried persons with pension/pensioners and age 65 for others.	NIL.	No pre-payment charges.
PNB Housing Loan for PublicPunjab National Bank	Home loan	Floating home-loan rates in the reviewed PNB table range from 7.50% to 9.10% p.a. for the listed / bands fixed rates range from 8.50% to 10.70% p.a. (standard public housing route).	+ (Repo Linked Lending Rate plus Business Strategic Premium) PNB's page states the present + base used in the table.	Value awaiting review	Value awaiting review	Need-based for construction, additions and purchase residential land/plot up to ₹1 crore, repairs/renovation up to ₹1 crore, and furnishing up to 25% of home loan or ₹1 crore, whichever is lower, within limits.	Maximum 30 years including moratorium for ordinary housing purposes repairs/renovation maximum 15 years.	0.35% of loan amount, minimum ₹2,500 and maximum ₹15,000 documentation charge ₹1,350. The reviewed schedule labels these as housing-loan charges and notes a time-bound waiver campaign separately.	Value awaiting review
PNB Insta Vehicle LoanPunjab National Bank	Term vehicle loan for personal-use car or two-wheeler purchase, secured by hypothecation of the vehicle.	Current PNB vehicle rate table applies for new cars the top floating band is 7.65% p.a. (non-e-vehicle) or 7.60% p.a. (e-vehicle), while the Insta Vehicle fixed rows show 8.65%/8.60% for the corresponding vehicle types.	+ for floating vehicle-loan bands the fixed option is stated as a percentage in PNB's current table.	Value awaiting review	No fresh income proof is required eligibility is based on an existing PNB home loan that has run for at least three years without an default.	90% of the car or two-wheeler on-road price, maximum ₹10 lakh.	Maximum 100 months for four-wheelers or 84 months for two-wheelers.	Flat ₹1,000 under PNB's current Insta Vehicle Loan charge schedule documentation charge is nil.	Nil.
PNB Kaushal Skill Development LoanPunjab National Bank	Skill-development education loan for eligible vocational and technical courses.	Current PNB Kaushal floating rate is 9.60% p.a. female students receive 9.10% p.a. under the published Kaushal table.	+ + 1.50% standard or + + 1.00% for a female student under the current table.	Value awaiting review	Value awaiting review	₹5,000 minimum and ₹7.50 lakh maximum, subject to eligible course expenses.	Up to 3 years for loans up to ₹50,000 up to 5 years for ₹50,000–₹1 lakh up to 7 years above ₹1 lakh to ₹7.50 lakh. Moratorium is 6 months after courses up to one year and 12 months after longer courses.	NIL for PNB Kaushal in the current education-loan charge schedule documentation charge is NIL.	NIL.
PNB Matritva Personal LoanPunjab National Bank	Term personal loan for hospital expenses at childbirth and maternity care after childbirth.	++2.15% irrespective of score the supplies the spread but no fixed-rate alternative.	+ + 2.15%.	Value awaiting review	Minimum income/salary above ₹25,000 per month, with at least two years of service including previous-employer service.	₹25,000 minimum and ₹3 lakh maximum, subject to repayment capacity.	Repay within the remaining service period or maximum 72 equated monthly instalments, beginning the month after disbursement no moratorium is granted.	NIL upfront fee and documentation charges.	Value awaiting review
PNB Max-Saver Housing LoanPunjab National Bank	Housing-loan overdraft with monthly reducing drawing power.	Floating housing-loan rate under PNB's current Max-Saver table the current sheet shows 7.40% p.a. for loans above ₹30 lakh with CIBIL 800+ and up to 80%. Other borrower/ bands vary.	+ , with the spread determined by //loan-amount band.	Value awaiting review	Value awaiting review	Minimum ₹10 lakh maximum is need-based under PNB Housing Finance Scheme for Public.	As per PNB Housing Finance Scheme for Public the overdraft drawing power reduces monthly so the facility is liquidated by the housing-loan tenure end.	As per PNB's retail-advance charge schedule for housing/overdraft conversion the published schedule lists documentation charges of ₹450 and the applicable housing processing fee, not a separate Max-Saver fee.	Value awaiting review
PNB my Property LoanPunjab National Bank	Term loan or overdraft against mortgage of eligible immovable property.	Floating term-loan rates currently run from 9.05% to 11.55% p.a. and overdraft rates from 9.55% to 12.05% p.a. when property security is up to 200% of loan amount rates are - and security-dependent.	+ with - and security-dependent spread.	Value awaiting review	Salaried applicants: minimum net monthly salary ₹25,000. Other than salaried: minimum net annual income ₹3 lakh.	₹2 lakh minimum and ₹5 crore maximum assessment is capped at 65% of realizable property value or 36× qualifying gross monthly income, whichever is lower.	Term loan: 180 months or up to age 70, whichever is earlier. Overdraft: liquidated in 15 years or up to age 70, whichever is earlier.	Term loan: 0.75% of loan amount, maximum ₹1 lakh documentation ₹2,500 up to ₹50 lakh and ₹5,000 above ₹50 lakh.	NIL.
PNB Personal Loan for PensionersPunjab National Bank	Personal loan	Term/demand loan and overdraft are priced at BR + 2.50% in the PNB pensioner product disclosure.	BR (Bank Rate) plus 2.50% as stated in the pensioner scheme disclosure.	Value awaiting review	Value awaiting review	Minimum ₹25,000. Maximum is ₹10 lakh up to age 70, ₹7.5 lakh above 70 to 75, and ₹5 lakh above 75, each subject to the stated pension multiple.	Maximum 60 or up to age 78, whichever is earlier borrowers above age 75 are limited to 24 in the scheme disclosure.	Nil processing/upfront fee documentation charge ₹500 plus in the current pensioner scheme disclosure.	NIL.
PNB Personal Loan for PublicPunjab National Bank	Personal loan	PNB's official retail disclosure for personal loans reports a 9.40%–17.05% p.a. range for the quarter reviewed the individual sanctioned rate varies by borrower and scheme.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 24 times gross monthly salary, subject to repayment capacity, with a maximum of ₹20 lakh.	Maximum 72 or the remaining service period, whichever is earlier defence personnel are capped at 60 .	1.00% of loan amount documentation charge ₹270 up to ₹2 lakh and ₹450 above ₹2 lakh. Defence personnel processing and documentation charges are nil in the schedule.	NIL.
PNB Power Ride Two-Wheeler LoanPunjab National Bank	Two-wheeler vehicle loan for purchase of a new scooter, motorcycle, moped or scooterette.	PNB Power Ride floating rate 10.00% p.a. fixed rate 11.00% p.a. in the current two-wheeler rate table.	+ + 1.90% floating the current table shows 10.00% p.a. present rate.	Value awaiting review	Minimum net monthly salary/income ₹8,000, including the proposed two-wheeler instalment.	Need-based finance up to ₹60,000.	Maximum 36 months total deductions including the proposed instalment must not exceed 50% of gross monthly salary/income.	0.50% of loan amount, minimum ₹500 and maximum ₹1,000 taxes are extra.	NIL.
PNB Pratibha Education LoanPunjab National Bank	Education loan	PNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. ( + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities ( + 0.10%) and 11.50% p.a. up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab higher slabs follow the published table.	+ 0	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Current PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected route.	NIL prepayment charges.
PNB Pre-Approved Personal LoanPunjab National Bank	Personal loan	Floating rate is 10.60% p.a. for eligible government/State//private salary, pensioner, /TRV and existing-loan routes with ≥800 11.60% at CIBIL 750–799 12.60% at CIBIL 700–749 or nil/no hit where applicable. Fixed rates are 1 percentage point higher in the published table.	+ (Repo Linked Lending Rate plus Business Strategic Premium), with spread determined by customer route and band.	Value awaiting review	Value awaiting review	₹20 lakh for eligible government/defence/paramilitary/ and PNB-salary private employees ₹8 lakh for existing borrowers or pensioners, ₹4 lakh for /TRV route and ₹6 lakh for customers with fully repaid loans.	Maximum 72 months, with route-specific age caps of 60, 65 or 70 years.	0.50% of loan amount, minimum ₹500 plus includes upfront, documentation, stamp-duty, and other listed charges.	Value awaiting review
PNB Pride Car LoanPunjab National Bank	Car loan under PNB's public car-financing scheme for government employees and pensioners.	Current table: PNB Pride new-car rates are 8.65% p.a. for non-e-vehicle and 8.60% p.a. for e-vehicle in the listed fixed/PNB Pride row floating rate is shown as +-0.45% (7.65%) and +-0.50% (7.60%).	+ for the floating option fixed percentage rates are listed separately.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Nil upfront/processing fee and nil documentation charges for PNB Pride.	Value awaiting review
PNB Rooftop Solar Loan (PM Surya Ghar)Punjab National Bank	Residential rooftop-solar equipment loan, secured by hypothecation of the equipment classified under priority sector.	Current PNB solar-power rate table starts at 5.75% p.a. for loans up to ₹2 lakh higher loan bands are priced by and borrower status in the current table.	Repo Rate + 0.50% (presently 5.75% p.a.) for the up-to-₹2 lakh floating band larger bands use the published +/ table.	Value awaiting review	No minimum income for loans up to ₹2 lakh minimum annual income ₹3 lakh for loans above ₹2 lakh up to ₹6 lakh.	Up to ₹2 lakh for systems up to 3 kW up to ₹6 lakh for systems above 3 kW through 10 kW (₹50,000–₹70,000 per kW guidance).	Maximum 10 years including the six-month moratorium repayment must finish by age 75.	Nil processing/upfront fee.	Value awaiting review
PNB Saarthi Two-Wheeler LoanPunjab National Bank	Two-wheeler vehicle loan for a new scooter, motorcycle, scooterette or moped.	Floating 10.85% p.a. for salaried persons and 11.35% p.a. for other borrowers fixed 11.85% and 12.35% respectively under the current PNB table.	+ + 2.75% for salaried persons and + + 3.25% for other borrowers.	Value awaiting review	Minimum net monthly salary/income ₹10,000 after all deductions, including the proposed two-wheeler instalment.	Up to ₹10 lakh for super bikes or hybrid two-wheelers with engine capacity 200 cc and above up to ₹1.50 lakh for other two-wheelers.	Maximum 60 for scooters and motorcycles, 30 for scooterettes and 24 for mopeds.	0.50% of the loan amount, minimum ₹500 and maximum ₹1,000 /taxes are extra.	NIL.
PNB Sahyog Personal LoanPunjab National Bank	Demand loan, term loan or overdraft personal finance under PNB Sahyog the describes the public/-agent personal-loan variant.	Current table varies by borrower band: 10.25% p.a. floating for defence/paramilitary salary-account borrowers 10.60% p.a. for qualifying government borrowers with CIBIL 800+ 11.60% where is 750–799 or nil history. Fixed rates are 11.25%, 11.60% and 12.60% respectively.	+ plus a borrower-band spread current spreads range from +2.15% to +3.50% in the published Sahyog table.	Value awaiting review	Minimum take-home after deductions ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres.	Up to 15× gross monthly salary, maximum ₹10 lakh.	Remaining service period or maximum 60 , whichever is earlier.	Value awaiting review	Value awaiting review
PNB Saraswati Education LoanPunjab National Bank	Education loan	Current PNB rate sheet: + 2.10% (11.50% currently) up to ₹4 lakh + 3.10% (12.50%) above ₹4 lakh to ₹7.50 lakh + 2.60% (12.00%) above ₹7.50 lakh and + 1.10% (10.50%) where 100% tangible collateral is available.	+ 2	Value awaiting review	Value awaiting review	Education finance for meritorious students pursuing higher education in India, with nil margin up to ₹4 lakh and 5% above ₹4 lakh.	Value awaiting review	Value awaiting review	NIL prepayment charges.
PNB Swaagat Personal LoanPunjab National Bank	Digital personal term loan for new-to-bank salaried customers.	Floating 10.60% to 12.60% p.a. by band fixed 11.60% to 13.60% p.a. under the current PNB Swaagat rate table.	+ with the published -band spread the table identifies Repo Linked Lending Rate and Business Strategic Premium components.	Value awaiting review	Value awaiting review	₹25,000 minimum to ₹10 lakh maximum up to ₹6 lakh is available through the single- journey.	Up to 72 months, or until the borrower reaches age 60, whichever is earlier.	Value awaiting review	Value awaiting review
PNB Udaan Education LoanPunjab National Bank	Education loan	PNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. ( + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities ( + 0.10%) and 11.50% p.a. up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab higher slabs follow the published table.	+ 0	Value awaiting review	Value awaiting review	Education finance for higher education abroad, with current published rate bands beginning at 9.50% p.a. for premier foreign universities and 11.50% p.a. for loans up to ₹4 lakh.	Value awaiting review	Current PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected route.	NIL prepayment charges.
SBI Aashray Home LoanState Bank of India	Home loan	Starting at + 10 basis points, based on	+ 10 basis points, based on	Value awaiting review	Gross annual household income up to ₹6 lakh	Up to ₹20 lakh	Value awaiting review	No processing fee	Value awaiting review
SBI Assured Car LoanState Bank of India	Vehicle loan	8.70% to 9.85% p.a.	auto-loan table shows the 1-year reference at 8.70% the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.	Value awaiting review	The applicant's declared income is accepted the reviewed page does not state a numeric minimum-income threshold for this fixed-deposit-backed scheme.	Value awaiting review	36 to 84 months	Nil	Standard auto-loan prepayment is NIL. Foreclosure is 2% of theo-balance plus when completed within two years of disbursement actual seizure and parking charges apply if the bank seizes the vehicle.
SBI Certified Pre-Owned Car LoanState Bank of India	Vehicle loan	10.45% to 15.60% p.a., with -based pricing	auto-loan table shows the 1-year reference at 8.70% the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.	Value awaiting review	₹3 lakh for salaried, self-employed, professional and business applicants	₹2 lakh to ₹1.5 crore	10 years minus vehicle age, capped at 60 months	1.50% of loan amount, minimum ₹3,000 and maximum ₹10,000, plus	Certified Pre-Owned Car Loan prepayment costs 1% of the pre-payment amount plus , charged quarterly, within two years of disbursement. Foreclosure costs 3% of theo-balance plus within two years.
SBI Combo Home LoanState Bank of India	Home loan	Value awaiting review	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 30 years.	directs applicants to the current processing-fee card-rate page the product page does not publish a single product-specific fee.	No prepayment penalty is listed among the features.
SBI CRE Commercial Real Estate Home LoanState Bank of India	Home loan	Value awaiting review	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 30 years	Value awaiting review	No pre-payment penalty
SBI Education Loan TakeoverState Bank of India	First-time takeover of a standard existing education loan during the course, moratorium or repayment period, with possible documented top-up for further study	Student Loan takeover 9.40% Scholar Loan takeover 6.90% to 7.65% Global Ed-Vantage takeover 8.90% to 9.40% p.a.	(External Benchmark Rate) states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).	Value awaiting review	Value awaiting review	₹10 lakh to ₹3 crore, including eligible outstanding or sanctioned balance, top-up and applicable source-lender prepayment penalty	180 months	Nil	NIL in the shared Education Loan contingent-charge table.
SBI Flexipay Home LoanState Bank of India	Home loan	7.25% p.a. onwards, subject to card-rate terms and borrower profile	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	360 months, with application by age 45 and repayment by age 70	0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus for salaried customers	No prepayment penalty.
SBI Global Ed-Vantage Education LoanState Bank of India	Education loan	For select institutions, 9.40% without collateral up to ₹50 lakh or 8.90% with collateral other secured borrowing 9.40% no additional girl-student concession on select-institution pricing	(External Benchmark Rate) states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).	Value awaiting review	Value awaiting review	Above ₹7.50 lakh and up to ₹3 crore	180 months, commencing six months after course completion	0.50% of loan amount, minimum ₹10,000 and maximum ₹50,000, plus	NIL in the shared Education Loan contingent-charge table.
SBI Green Car LoanState Bank of India	Vehicle loan	8.70% to 9.85% p.a.	auto-loan table shows the 1-year reference at 8.70% the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.	Value awaiting review	₹3 lakh for specified employees and tax assessees ₹4 lakh for agriculture and allied activities	Up to 100% of on-road price, subject to applicant-category income multiples	36 to 96 months	Same new-car fee bands: ₹1,000 to ₹3,000 for salaried/pensioner customers or ₹1,500 to ₹4,000 for non-salaried customers, plus	Standard auto-loan prepayment is NIL. Foreclosure is 2% of theo-balance plus when completed within two years of disbursement actual seizure and parking charges apply if the bank seizes the vehicle.
SBI Home LoanState Bank of India	Home loan	7.25% p.a. onwards, subject to card-rate terms and borrower profile	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	360 months, subject to repayment by age 70	0.35% of loan amount salaried minimum ₹5,000 and maximum ₹15,000, non-salaried minimum ₹5,000 and maximum ₹18,000, plus	Nil
SBI Home Loan Balance TransferState Bank of India	Transfer of an existing home loan from an eligible bank, -registered or qualifying government or employer	7.25% p.a. onwards, subject to card-rate terms and borrower profile	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	0.35% of loan amount, with current salaried or non-salaried minimum and maximum caps, plus	Nil
SBI Home Loan for Non-SalariedState Bank of India	Home loan	7.25% p.a. onwards non-salaried and credit-profile card pricing applies	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	₹20 lakh to ₹50 crore	360 months	0.35% of loan amount, minimum ₹5,000 and maximum ₹18,000, plus	Value awaiting review
SBI Repair and Renovation Home LoanState Bank of India	Home loan	Value awaiting review	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Up to ₹1 crore	Up to 20 years	0.35% of the loan amount minimum ₹5,000 and maximum ₹15,000 for salaried customers, or minimum ₹5,000 and maximum ₹18,000 for non-salaried customers, plus .	No pre-payment penalty
SBI Home Top Up LoanState Bank of India	Home loan	Value awaiting review	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	Up to 30 years	0.35% of loan amount ₹5,000–₹15,000 for salaried and ₹5,000–₹18,000 for non-salaried customers, plus	No pre-payment penalty
SBI Loan Against Insurance PoliciesState Bank of India	Loan against an eligible life-insurance policy assigned to eligible issuers include , India Post, Life, Standard Life and Prudential Life.	11.20% p.a. effective 15 August 2025, based on one-year of 8.70% plus 2.50%	One-year plus 2.50 percentage points the rate table lists 8.70% one-year and 11.20% effective interest for loans against eligible insurance policies (effective 15 August 2025).	The reviewed insurance-policy loan page and linked official securities rate table publish effective interest rates, not a separate figure or calculation.	Value awaiting review	Value awaiting review	36 months	0.35% of loan amount, minimum ₹500 and maximum ₹2,500, plus applicable	The reviewed official page refers to prepayment penalties but does not publish a numeric amount or formula.
SBI Loan Against Mutual Fund UnitsState Bank of India	Overdraft secured by a lien on eligible mutual-fund units interest applies only to the amount used	9.95% p.a. effective 15 August 2025, based on one-year of 8.70% plus 1.25%	One-year plus 1.25 percentage points the rate table lists 8.70% one-year and 9.95% effective interest for mutual-fund units (effective 15 August 2025).	publishes an effective annual interest rate for this security-backed loan, but no separate calculation or figure appears on the reviewed product page or the linked official rate table.	Applicants must be individuals above 18 with a steady source of income does not publish a rupee minimum-income threshold for this facility.	Minimum ₹25,000 maximum ₹20 lakh against equity, hybrid or funds and ₹5 crore against debt or FMP funds digital equity maximum ₹10 lakh	Up to 12 months the account may be renewed for another 12 months through the stated channels after payment of the applicable renewal charge.	Processing: 0.50% of loan amount, minimum ₹500 and maximum ₹5,000, plus annual review or renewal: ₹1,000 plus applicable tax	Value awaiting review
SBI Loan Against NSC or KVPState Bank of India	Demand loan or overdraft secured by National Savings Certificates ( VIII Issue) or Kisan Vikas Patras (). Branch channel only.	11.20% p.a. effective 15 August 2025, based on one-year of 8.70% plus 2.50%	One-year plus 2.50 percentage points the rate table lists 8.70% one-year and 11.20% effective interest for / loans (effective 15 August 2025).	publishes an effective interest rate for / loans, but no separate figure or calculation appears on the reviewed page or linked official rate table.	Value awaiting review	Value awaiting review	Aligned to the remaining maturity of the pledged or outstanding must not exceed certificate maturity value	0.35% of loan amount, minimum ₹500 and maximum ₹2,500, plus applicable	Value awaiting review
SBI Loan Against PropertyState Bank of India	Personal-purpose loan secured by an equitable mortgage of residential or select commercial property speculative use is excluded	One-year plus 1.45%-2.50% when salary provides over 50% of , or plus 2.10%-3.00% when business, profession or rent provides over 50% the linked spread table was last updated in 2019	plus 1	Value awaiting review	₹25,000 net monthly income or ₹3 lakh annual income	₹10 lakh to ₹7.5 crore, with the maximum subject to property location	Minimum five years and maximum 15 years, subject to income continuity, property life and repayment before the eldest borrower turns 70	Loan against Property (): 1% of the loan amount, capped at ₹50,000, plus applicable .	Value awaiting review
SBI Loan Against Sovereign Gold BondsState Bank of India	Demand loan or overdraft secured by eligible Sovereign Gold Bonds purchased through or held in an Capital Securities demat account.	10.70% p.a. effective 15 August 2025, based on one-year of 8.70% plus 2.00%	The published effective rate is based on the one-year plus a 2.00 percentage-point spread the reviewed rate table states 8.70% one-year and 10.70% effective for this facility.	The reviewed product page and linked official securities rate table publish effective interest rates, not a separate figure or calculation.	The official requires a steady source of income but does not publish a numeric minimum-income threshold.	₹20,000 to ₹20 lakh per individual	Up to 36 months for overdraft and 12 months for demand loan	0.50% of the loan amount plus applicable tax, or ₹500 plus applicable tax, whichever is higher	Value awaiting review
SBI Loan Against Time DepositState Bank of India	Secured loan against investments or deposit	Domestic and / deposits: 1.00% above the rate paid on the pledged deposit (B) loan: one-year plus 2.90%	plus 2	Value awaiting review	Value awaiting review	Up to 90% of deposit value online overdraft minimum ₹5,000 and maximum ₹5 crore	Demand loan: remaining deposit maturity or 120 months, whichever is earlier overdraft: five years or remaining deposit maturity, whichever is earlier	Zero processing charges and no prepayment penalty	No prepayment penalties.
SBI Loyalty Car LoanState Bank of India	Vehicle loan	8.70% to 9.80% p.a.	auto-loan table shows the 1-year reference at 8.70% the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.	Value awaiting review	₹2 lakh	Up to 100% of ex-showroom price	84 months	Same published new-car fee bands: ₹1,000 to ₹3,000 for salaried/pensioner customers or ₹1,500 to ₹4,000 for non-salaried customers, plus	Standard auto-loan prepayment is NIL. Foreclosure is 2% of theo-balance plus when completed within two years of disbursement actual seizure and parking charges apply if the bank seizes the vehicle.
SBI New Car LoanState Bank of India	Vehicle loan	8.70% to 9.85% p.a., priced by customer segment, score and tenor against the current one-year of 8.70%	auto-loan table shows the 1-year reference at 8.70% the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.	Value awaiting review	₹3 lakh for specified employees and tax assessees ₹4 lakh for applicants engaged in agriculture and allied activities	Up to 100% of on-road price, further constrained by income multiples and underwriting	Up to 84 months, with optional reduced for the first six or 12 months on qualifying tenors	By loan size: salaried and pensioner customers ₹1,000/₹2,000/₹3,000 non-salaried customers ₹1,500/₹2,500/₹4,000, plus	No prepayment charge no foreclosure charge after two years
SBI NRI Car LoanState Bank of India	Vehicle loan	8.70% to 9.85% p.a.	8.70% p.a.	Value awaiting review	$1,000 net monthly income or $12,000 net annual income, or equivalent in another currency	Up to 90% of on-road price	7 years	Salaried: ₹1,000 up to ₹5 lakh, ₹2,000 above ₹5 lakh to ₹10 lakh, ₹3,000 above ₹10 lakh non-salaried: ₹1,500, ₹2,500 and ₹4,000 respectively extra	Standard auto-loan prepayment is NIL. Foreclosure is 2% of theo-balance plus when completed within two years of disbursement actual seizure and parking charges apply if the bank seizes the vehicle.
SBI NRI Home LoanState Bank of India	Home Loan term loan or Home Loan Maxgain overdraft, on a daily reducing balance	7.25% to 8.55% p.a.	7.90% p.a.	Value awaiting review	Value awaiting review	Value awaiting review	30 years	0.35% of loan amount minimum ₹5,000 and maximum ₹15,000 for salaried or ₹18,000 for non-salaried customers, plus	No prepayment penalty
SBI NRI Loan Against DepositsState Bank of India	Demand loan or overdraft against //(B) foreign-currency loan additionally available against (B)	1.00 percentage point above the rate paid on the pledged time deposit, irrespective of loan amount	table publishes one-year as 8	Value awaiting review	Value awaiting review	Value awaiting review	Rupee facility: up to remaining deposit maturity (B)-backed foreign-currency loan: 1, 2 or 3 years or remaining maturity, with a one-year minimum	Value awaiting review	or (B): not permitted : permitted after outstanding principal and interest are settled first
SBI NRI Online Overdraft Against DepositsState Bank of India	Secured loan against investments, deposits or receivables	1.00% above the interest payable on the underlying fixed deposit.	Interest is 1 percentage point above the interest payable on the relative / fixed deposit the deposit rate is the reference rate for this overdraft.	Value awaiting review	Value awaiting review	₹25,000 minimum and ₹5 crore maximum the overdraft limit is 75% of a /eTDR deposit or 90% of an /eSTDR deposit.	/eTDR: up to 3 years or the remaining fixed-deposit maturity, whichever is lower. /eSTDR: up to 5 years or remaining maturity, whichever is lower.	Value awaiting review	Value awaiting review
SBI Pension LoanState Bank of India	Pension Loan, Jai Jawan Pension Loan and Treasury/ pensioner variants	11.30% p.a. for , Jai Jawan and pre-approved pension loans 11.30%-11.80% for Treasury/ variants	Value awaiting review	Value awaiting review	Value awaiting review	Up to ₹20 lakh, subject to pension, /NMP and variant rules	72 months through standing instructions from the pension account, subject to repayment by age 78	Value awaiting review	2% of prepaid amount plus waived when closed from a new loan under the same scheme
SBI Personal Gold LoanState Bank of India	gold loan, 12-month bullet repayment gold loan and gold-loan overdraft	9.15% p.a. for 12-month bullet 10.10% p.a. for and overdraft variants	The gold-loan links each published rate to 1-year : 12-month bullet is 0.45% above 1-year , is 1.40% above and overdraft is 1.00% above. The current rate table displays 1-year as 8.70%.	Value awaiting review	Supporting income documents are required for amounts above ₹2.5 lakh.	₹20,000 for or bullet variants ₹5 lakh for overdraft	36 months for and overdraft 12 months for bullet repayment	₹50,000-₹2 lakh: 0.50%, minimum ₹500 above ₹2 lakh-₹25 lakh: 0.30%, minimum ₹1,000 above ₹25 lakh: 0.25%, minimum ₹7,500 and maximum ₹15,000 extra	No prepayment penalty and no foreclosure charge. states that the gold loan may be closed at any point without foreclosure charges.
SBI Personal LoanState Bank of India	Unsecured term loan on daily reducing balance or overdraft with reducing drawing power no guarantor	Starting from 10.00% p.a. final rate is applicant-specific and subject to the linked current rate schedule	Value awaiting review	Value awaiting review	₹20,000 for government or defence employees ₹25,000 for corporate employees	₹1 lakh to ₹50 lakh, capped at the lower of 30 times net monthly income or the amount meeting an / ratio up to 65%	6 to 84 months, closing by retirement, contract end or age 60 as applicable	Up to 1.50% of loan amount, minimum ₹1,000 and maximum ₹15,000, plus published category and credit-score waivers may apply	2.40% p.a. on the irregular portion up to 60 days 5% p.a. thereafter under the page's stated conditions
SBI PM-Vidyalaxmi Education LoanState Bank of India	Education loan	PMVL-Utkarsh 6.90%, PMVL-Uttam 7.20% and PMVL-Uday 8.40% p.a., linked to	(External Benchmark Rate) the education-loan rate floats for the full loan period.	Value awaiting review	All income groups may borrow, but subvention has separate income and course conditions.	Need-based loan up to ₹3 crore under the -Vidyalaxmi scheme.	Up to 15 years, excluding the course period and moratorium.	Value awaiting review	No prepayment charge.
SBI PMAY-U 2.0 Home LoanState Bank of India	Home loan	directs applicants to the live Home Loan card-rate page no separate numeric 2.0 rate is published on this product page.	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Gross annual household income up to ₹9 lakh	Loan up to ₹25 lakh, project cost up to ₹35 lakh and maximum interest subsidy ₹1.80 lakh	Value awaiting review	No processing fee up to a loan amount of ₹8 lakh thereafter the regular home-loan fee applies	Value awaiting review
SBI Pre-Approved Home LoanState Bank of India	Income-based home-loan limit sanctioned before the property is finalised	7.25% p.a. onwards, subject to card-rate terms and borrower profile	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	360 months, subject to repayment by age 70	Non-refundable applicable home-loan processing fee is collected at sanction current schedule is 0.35% with applicant-type caps plus	No pre-payment penalty
SBI Pre-Approved Pension LoanState Bank of India	Pre-approved selected-customer pension loan	11.30% p.a., fixed for the loan tenure with no reset under pension-loan rate table	Value awaiting review	Value awaiting review	does not publish a single rupee minimum pension for the pre-approved pension offer. The offer is available only to pensioners pre-selected under -defined parameters and the applicable pension eligibility conditions.	Up to ₹10 lakh	6 months to 84 months, depending on the product variant the available tenure is displayed during the application journey.	Nil to ₹10,000 plus , depending on the product feature subject to revision.	A pre-payment penalty may apply depending on the product feature the applicable charge is shown in the Key Fact Statement.
SBI Pre-Approved Personal LoanState Bank of India	Pre-approved selected-customer personal loan	7.50% p.a. onwards published as effective from 15 June 2025, subject to terms and conditions.	Value awaiting review	Value awaiting review	does not publish a single rupee minimum for PAPL. Eligibility is limited to pre-selected customers meeting -defined conditions, including a stipulated minimum salary for salary-account holders, a stipulated minimum balance for non-salary account holders, or a stipulated minimum pension for pensioners existing Xpress Credit borrowers must have a satisfactory run account and required outstanding.	Up to ₹15 lakh for an eligible pre-approved offer.	6 months to 84 months, depending on the product variant the available tenure is displayed during the application journey.	Nil to ₹10,000 plus , depending on the product feature subject to revision.	A pre-payment penalty may apply depending on the product feature the applicable charge is shown in the Key Fact Statement.
SBI Privilege Home LoanState Bank of India	Home loan	7.25% p.a. onwards also publishes a check-off concession for this scheme	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	360 months, subject to repayment by age 75	Full waiver of processing fee out-of-pocket legal, valuation, CERSAI and charges continue at actuals	No pre-payment penalty
SBI Realty Home LoanState Bank of India	Home loan	7.25% p.a. onwards across home loans Realty-specific card pricing applies	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	₹15 crore	The introduction and features say repayment up to 15 years, while the eligibility block says loan tenure up to 10 years confirm the applicable maximum with	Home Loan and Top Up processing fee: salaried customers 0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus non-salaried customers 0.35%, minimum ₹5,000 and maximum ₹18,000, plus .	No pre-payment penalty
SBI Reverse Mortgage LoanState Bank of India	Loan against property / mortgage	Value awaiting review	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Up to ₹2 crore in specified major municipal-corporation areas and ₹1.5 crore at other centres	10–20 years, depending on the borrowers' age	Reverse Mortgage loan: 0.35% of the loan amount, minimum ₹3,000 and maximum ₹12,000, plus .	No pre-payment penalty
SBI Scholar LoanState Bank of India	Education loan	6.90% to 7.65% p.a. temporary 6.75% for listed IIM and other named institutes through 30 September 2026 and all IITs through 31 December 2026	(External Benchmark Rate) states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).	Value awaiting review	Value awaiting review	Without tangible security: List ₹50 lakh, A ₹40 lakh, B ₹30 lakh and C ₹7.50 lakh with full-value tangible collateral, need-based for /A/B and up to ₹1 crore for C	180 months begins 12 months after course completion or six months after employment, whichever is earlier	Nil	NIL in the shared Education Loan contingent-charge table.
SBI Shaurya Education LoanState Bank of India	Education loan	8.65% p.a. for study in India or ordinary study abroad at select overseas institutions, 8.65% without security up to ₹50 lakh or 8.15% with security	(External Benchmark Rate) states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).	Value awaiting review	Eligible serving or retired Defence, Indian Coast Guard or personnel, or their spouse or wards, with the co-borrower's qualifying salary or pension account maintained throughout the loan	Study in India follows current Student Loan limits study abroad follows current Global Ed-Vantage limits, including the published ₹3 crore overall overseas ceiling	180 months	Nil up to ₹20 lakh ₹10,000 plus tax above ₹20 lakh	NIL in the shared Education Loan contingent-charge table.
SBI Shaurya Home LoanState Bank of India	Home loan	7.25% p.a. onwards publishes lower relationship pricing and a check-off concession subject to terms	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	Value awaiting review	360 months, subject to repayment by age 75	Full waiver of processing fee out-of-pocket legal, valuation, CERSAI and charges continue at actuals	No pre-payment penalty
SBI Skill LoanState Bank of India	Education loan — skill-development finance	9.40% p.a., linked to	(External Benchmark Rate) the education-loan rate floats for the full loan period.	Value awaiting review	Value awaiting review	₹5,000 to ₹7.50 lakh	Up to 36 months through ₹50,000 60 months above ₹50,000 through ₹1 lakh 84 months above ₹1 lakh	Nil processing fee and nil margin	NIL in the shared Education Loan contingent-charge table.
SBI Student LoanState Bank of India	Education loan	9.90% p.a. without collateral up to ₹7.50 lakh 9.40% p.a. with collateral above ₹7.50 lakh 0.50 percentage-point concession for girl students	(External Benchmark Rate) states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).	Value awaiting review	Value awaiting review	For study in India, standard limits vary by course and NIRF status from ₹30 lakh to ₹75 lakh, with case-by-case limits up to ₹1 crore study abroad up to ₹7.50 lakh	180 months after course period plus a 12-month repayment holiday	Nil up to ₹10 lakh ₹5,000 plus above ₹10 lakh through ₹20 lakh 0.50% above ₹20 lakh, capped at ₹25,000 plus	NIL in the shared Education Loan contingent-charge table.
SBI Super Bike LoanState Bank of India	Vehicle loan — premium motorcycle finance	12.55% to 14.55% p.a.	auto-loan table shows the 1-year reference at 8.70% the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.	Value awaiting review	₹3 lakh for salaried, pensioner, professional and business applicants ₹4 lakh for agriculturists	₹1.5 lakh to ₹25 lakh	60 months	2% of loan amount, maximum ₹10,000, plus	Value awaiting review
SBI Surya Ghar Rooftop Solar LoanState Bank of India	Rooftop solar installation loan	5.75% p.a. up to ₹2 lakh, equal to minus 2.15% 7.90% p.a. above ₹2 lakh and up to ₹6 lakh, equal to	minus 2	Value awaiting review	The higher tier requires , CIBIL 650+, annual income of ₹3 lakh or more and fuller income documents.	Loan up to ₹6 lakh	Value awaiting review	Nil processing fee and no prepayment penalty	No prepayment penalty.
SBI Tribal Plus Home LoanState Bank of India	Home loan	Value awaiting review	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	₹30 lakh for salaried and ₹20 lakh for non-salaried borrowers	Up to 15 years	0.35% of the loan amount minimum ₹5,000 and maximum ₹15,000 for salaried customers, or minimum ₹5,000 and maximum ₹18,000 for non-salaried customers, plus .	No pre-payment penalty
SBI Two-Wheeler LoanState Bank of India	Vehicle loan	11.70% to 15.70% p.a. electric two-wheelers receive a published 0.50 percentage-point concession	auto-loan table shows the 1-year reference at 8.70% the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.	Value awaiting review	₹10,000 net monthly for salaried applicants and pensioners ₹1.5 lakh net annual for others	₹50,000 to ₹3 lakh, also capped at six times net monthly income and the applicable / ratio	60 months	3% of loan amount plus 50% waiver for Salary Package customers	Value awaiting review
SBI YONO Insta Home Top UpState Bank of India	Digital home top-up loan for personal purposes	7.25% p.a. advertised starting rate from 1 April 2026 the current top-up rate card lists Insta Top Up as + 50 bps + 10 bps convenience fee, with the borrower-specific rate subject to applicable card terms and the underlying home-loan rate.	home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025) the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.	Value awaiting review	Value awaiting review	The offered amount is tied to 8% of the existing home-loan limit, subject to a ₹50,000 minimum and ₹8 lakh maximum, as stated on the terms page the lower applicable amount controls. Total top-up exposure without extending the mortgage cannot exceed ₹8 lakh.	Value awaiting review	₹3,000 plus applicable , deducted from the loan amount before disbursement.	No prepayment penalty is charged under this scheme.
Union AwasUnion Bank of India	Purchase or construction of a house in a semi-urban or rural area, or repair, improvement or extension of an existing residential property.	The current retail lists Union Home/Union Awas score-linked effective tables the exact Union Awas rate depends on the applicable score, borrower type, loan quantum and current scheme terms.	Applicable Union Home/Awas rates use Union Bank's published -linked retail rate framework is 8.00% effective 13 June 2026 on the current benchmark page.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Union Cash (Pensioner and Family Pensioner Loan)Union Bank of India	Unsecured personal-expense loan for pensioners and family pensioners no collateral or security is required, with a personal-guarantee condition in the applicable pension cases.	Current Union Cash table: + 2.10%, with effective 10.10% p.a. for the listed pensioner/family-pensioner special scheme the applicable tier depends on the current Union Bank rate table.	(Repo Rate), shown as 8.00% effective 13 June 2026 on Union Bank's current loans-and-advances rate page.	Value awaiting review	Value awaiting review	Pensioner: up to ₹10 lakh when age at loan is up to 70 years, or ₹5 lakh above 70 years. Family pensioner: up to ₹3 lakh.	Maximum repayment tenure is 5 years for pensioners and 3 years for family pensioners.	The page requires a processing-fee cheque with a branch application but does not publish a numeric fee amount in the reviewed content.	Value awaiting review
Union Education LoanUnion Bank of India	Education loan	Current retail table: Inland/abroad/ Student Union Education up to ₹7.50 lakh is 10.00% p.a. for male students and 9.50% for female students above ₹7.50 lakh is 9.75% and 9.25% respectively. Other premier, Vidyalaxmi and medical-institute tiers have separate published rates.	Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.	Value awaiting review	Value awaiting review	Value awaiting review	Maximum repayment tenure is 15 years.	Value awaiting review	Value awaiting review
Union Green Home LoanUnion Bank of India	Home loan	The current retail table publishes score-linked Green Home rates from 7.15% p.a. for eligible 825+ score cases an additional 10 basis-point lower rate is allowed from receipt of the required green-house/project certificate.	Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Union Green Vehicle Loan (Union Green Miles)Union Bank of India	Union Green Miles is the electric-vehicle segment Union Miles covers non-electric vehicles. The page also describes new and eligible used vehicle purposes for the overall vehicle-loan family.	Current Green Vehicle table: new electric four-wheeler 7.50%–9.90% p.a. by score and borrower type new electric two-wheeler 10.90%–11.00% p.a.	Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Union Home LoanUnion Bank of India	Home loan	Starts at 8.60% p.a. the final rate depends on score, loan amount and monthly income. The 18 August 2026 table publishes score-linked Union Home tiers from 7.15% p.a. for eligible 825+ score cases, with higher tiers for lower scores and different borrower/property bands.	Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Union Mortgage Loan (Loan Against Property)Union Bank of India	Loan against property / mortgage	Current Union Mortgage table: self-occupied residential property 9.05%–11.10% p.a. tenanted residential 9.30%–11.10% self-occupied commercial/industrial 9.70%–11.60% leased or multi-tenanted commercial 10.15%–11.85%, by score.	Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.	Value awaiting review	Value awaiting review	Minimum ₹5 lakh and maximum ₹15 crore.	Value awaiting review	Value awaiting review	Value awaiting review
Union Mortgage Plus (Top-up)Union Bank of India	Loan against property / mortgage	0.75% p.a. above the of the Union Home Loan account against which Union Mortgage Plus is extended, without factoring the home-loan concession. Borrowers with CIBIL below 700 attract an additional 0.10% risk premium staff home-loan borrowers are also charged 0.75% above the applicable Union Home Loan .	Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review
Union Personal LoanUnion Bank of India	Personal loan	Current retail table publishes score-linked Union Personal tiers from 9.05% p.a. for 800+ score under tie-up/non-tie-up salaried-professional schemes, with higher tiers down to 12.65% p.a. below 650 non-salaried tiers are separately published.	Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.	Value awaiting review	Value awaiting review	Up to ₹50 lakh, subject to eligibility and repayment capacity.	Up to 84 months (7 years).	Value awaiting review	Value awaiting review
Union Rooftop Solar Loan (URTS)Union Bank of India	Retail term-loan finance for a grid-connected rooftop solar system on an existing independent house the scheme is residential and operates pan-India.	URTS interest starts from 6.80% p.a., linked to , under the reviewed official .	URTS is linked to Union Bank's current benchmark page shows (Repo Rate) at 8.00% effective 13 June 2026.	Value awaiting review	Value awaiting review	Maximum finance is 75% of the Ministry of New and Renewable Energy-approved project cost or ₹10 lakh, whichever is lower.	Repayment is up to 20 years in or the Union Home Loan repayment period, whichever is earlier.	Value awaiting review	Value awaiting review
Union Vehicle Loan (Union Miles)Union Bank of India	Vehicle loan	Current retail table: new four-wheeler 7.60%–10.00% p.a. depending on score and borrower type new two-wheeler 10.90%–11.20% old four-wheeler up to 3 years 11.60%–11.70% Green Vehicle rates are lower in the separate Green Vehicle table.	Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review	Value awaiting review

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral.

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