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Last Updated on 01/11/2019
Retail Credit Interest Rates

RETAIL SCHEMES INTEREST RATES


REPO RATE (w.e.f. 01.11.2019) - 5.15

MARKUP - 2.85

RLLR - 8.00

MCLR RATE (w.e.f. 10.08.2019) - 8.50


Schemes RLLR / MCLR Spread INTEREST RATE
IOB SURYA - INDIVIDUALS RLLR 1.45 9.45
HOUSING LOANS
UPTO Rs. 30.00 LACS RLLR 0.20 8.20
> Rs. 30.00 LACS TO Rs. 75.00 LACS RLLR 0.30 8.30
ABOVE Rs. 75.00 LACS RLLR 0.45 8.45
SUBHAGRUHA TOP UP LOANS
UPTO Rs. 1.00 CRORE RLLR 2.40 10.40
ABOVE Rs. 1.00 CRORE RLLR 2.90 10.90
HOME IMPROVEMENT
UPTO Rs. 2.00 LACS RLLR 0.40 8.40
ABOVE Rs. 2.00 LACS RLLR 0.55 8.55
HOME DÉCOR RLLR 2.95 10.95
EDUCATIONAL LOANS
VIDYA SURAKSHA RLLR 2.20 10.20
VIDYA JYOTI RLLR 3.20 11.20
VIDYAJYOTI - WARD OF STAFF RLLR 1.90 9.90
SKILL LOAN RLLR 1.70 9.70
VIDYA SHREST
A RATED INSTITUTIONS RLLR 0.40 8.40
B RATED INSTITUTIONS RLLR 0.90 8.90
IOB SCHOLAR
UPTO Rs. 7.50 LACS RLLR 2.20 10.20
ABOVE Rs. 7.50 LACS RLLR 3.20 11.20
STAFF WARD RLLR 1.90 9.90
BIHAR STUDENT CREDIT CARD SCHEME
UPTO Rs. 4.00 LACS RLLR 2.20 10.20
STAFF WARD RLLR 1.95 9.95
NCT DELHI SCHEME RLLR 2.20 10.20
IOB CAREER DREAM
LOANS SECURED BY LIC / KVP / NSC ETC RLLR 3.45 11.45
LOANS WITHOUT SECURITY / IMMOVABLE PROPERTY RLLR 3.95 11.95
PUSHPAKA
TWO WHEELER RLLR 3.20 11.20
FOUR WHEELER - NEW RLLR 0.70 8.70
FOUR WHEELER - USED - UPTO Rs. 10.00 LACS RLLR 1.70 9.70
FOUR WHEELER - USED - ABOVE Rs. 10.00 LACS RLLR 2.70 10.70
IOB ROYAL
REPAYMENT LESS THAN 4 YEARS RLLR 4.45 12.45
REPAYMENT ABOVE 4 YEARS RLLR 5.20 13.20
CLEAN LOAN RLLR 5.20 13.20
LOAN AGAINST PROPERTY
UPTO Rs. 1.00 CRORE MCLR 2.20 10.70
ABOVE Rs. 1.00 CRORE MCLR 2.70 11.20
LIQUIRENT
UPTO 36 MONTHS MCLR 2.70 11.20
ABOVE 36 MONTHS MCLR 3.20 11.70
AKSHAY MCLR 3.25 11.75
SAHAYIKA MCLR 3.75 12.25
IOB PASSION MCLR 2.75 11.25
PENSIONERS LOAN SCHEME MCLR 2.75 11.25
PENSIONER LOAN FA MCLR 1.75 10.25
PERSONAL LOAN / SPECIAL PERSONAL LOAN TO HNI MCLR 3.25 11.75
JEWEL LOAN OTHERS
UPTO Rs. 3.00 LACS MCLR 1.70 10.20
ABOVE Rs. 3.00 LACS MCLR 2.20 10.70