IOB SURYA - INDIVIDUALS
RLLR
1.45
10.2
HOUSING LOANS
UPTO Rs. 30.00 LACS
0.20%
8.95%*
Above Rs. 30.00 Lacs to Rs. 49.99 Lacs
0.30%
9.05%*
Interest Concession Available to Women Borrower*
Rs. 50.00 LACS AND ABOVE
STARTS @ 8.50% FINAL PRICING WILL BE BASED ON INTERNAL SCORING MODEL OF THE BANK.
SUBHAGRUHA TOP UP LOANS
Upto Rs. 30.00 Lakhs
2.30%
11.05%
Above Rs. 30.00 Lakhs to Rs. 1.00 Crore
2.25%
11.00%
Above Rs. 1.00 Crore
2.75%
11.50%
HOME IMPROVEMENT
Upto Rs. 2.00 Lakhs
9.05%
ABOVE Rs. 2.00 LACS
0.45%
9.20%
Home Décor
Upto Scheme Limit
2.85%
11.60%
IOB Home Advantage Scheme
Upto Rs. 30.00 Lacs
1.60%
10.35%
Above Rs. 30.00 Lacs to Rs. 75.00 Lacs
1.65%
10.40%
Above Rs. 75.00 Lacs
1.80%
10.55%
Subhagruha CC Loans
0.35%
9.10%
Above Rs. 30.00 to Rs. 75.00 Lacs
0.40%
9.15%
0.55%
9.30%
EDUCATIONAL LOANS
VIDYA SURAKSHA
2.2
10.95
VIDYA JYOTI
3.2
11.95
VIDYAJYOTI - WARD OF STAFF
1.9
10.65
SKILL LOAN
1.7
10.45
VIDYA SHREST
A RATED INSTITUTIONS
0.4
9.15
B RATED INSTITUTIONS
0.9
9.65
IOB SCHOLAR
UPTO Rs. 7.50 LACS
ABOVE Rs. 7.50 LACS
STAFF WARD
BIHAR STUDENT CREDIT CARD SCHEME
UPTO Rs. 4.00 LACS
1.95
10.7
NCT DELHI SCHEME
IOB CAREER DREAM
LOANS SECURED BY LIC/KVP/NSC ETC
3.45
12.2
LOANS WITHOUT SECURITY/IMMOVABLE PROPERTY
3.95
12.7
VEHICLE LOAN*
TWO WHEELER
FOUR WHEELER - NEW
0.7
9.45
FOUR WHEELER - USED - UPTO Rs. 10.00 LACS
FOUR WHEELER - USED - ABOVE Rs. 10.00 LACS
2.7
11.45
PERSONAL LOAN TO HNIs**
REPAYMENT LESS THAN 4 YEARS
3.15
11.9
REPAYMENT ABOVE 4 YEARS
3.65
12.4
PERSONAL LOAN**
PERSONAL LOAN CATEGORY-A
PERSONAL LOAN CATEGORY-B
PERSONAL LOAN CATEGORY-C
4.15
12.9
LOAN AGAINST PROPERTY***
UPTO Rs. 1.00 CRORE
MCLR
10.25
ABOVE Rs. 1.00 CRORE
10.75
Rate of Interest for Various Jewel Loan Schemes Charged by Our Bank
Types of Jewel Loan Schemes
SLAB
ROI
KCCJL
(Agricultural Jewel Loan)
Up to Rs. 3 Lacs
With Interest subvention under KCC
7% (for prompt payment additional subvention of 3%)
Without interest subvention
MCLR+0.90%
Above Rs. 3 Lacs up to Rs. 10 Lacs
MCLR+2.50%
AGTAJ
(Agriculture Term Loan - Jewellery)
Maximum Up to Rs. 25 Lacs
RLLR+0.20%
JL-Others
(Jewel Loan - Others)
RLLR+0.55%
JLSWL
(IOB Swarnalakshmi)
MCLR+1.40%
Above Rs. 3 Lacs up to Rs. 5 Lacs
MCLR+1.90%
JLSME
(Jewel Loan SME)
Up to Rs. 2 Lacs
RLLR+0.80%
Above Rs. 2 Lacs up to Rs. 5 Lacs
RLLR+2.05%