Details of Loan Schemes

APCOB Rate of Interests on Retail Banking Loans


S.No.

Type of Loan

Rate of Interest
Maximum Amount of loan (Rs.in lakh) Maximum period of Loan
 

1.

 

Personal Loan

As per CIBIL rating: Rating: R.O.I
650-700: 12% 701-750: 11.50%
751 & above: 11%
Employer Undertaking: 10%
 

10.00

 

5 Yrs

2. Housing Loan 10.00% (Fixed)
Or
9.00%(Floating)
60.00 30 Yrs/ Upto the age of 75% of the borrower whichever is earlier
 

3.

 

Real Estate Mortgage Loan

As per CIBIL rating: Rating: R.O.I
650-700: 12% 701-750: 11.75%
751 & above: 11.50%
 

25.00

 

10 Yrs

4. Vehicle Loan 11.0% 30.00 6 Yrs
5. Two Wheeler Loan 11.0% 2.00 3 Yrs
6. Education Loan 11.50% 30.00 10 Yrs after Moratorium period
7. SHG Loan – Cash Credit 9% 20.00 Maximum 5 Yrs (Renewed yearly on calendar basis)
8. SHG Loan – Term Loan 9% 10.00 5 Yrs
9. SOD Against Mortgage of Property 12% 25.00 1 Yr
10. Sahakara Swayam Upadhi Finance Scheme -SSUF- Term Loan to Petty Traders 11% 2.00 5 Yr
11. Sahakara Swayam Upadhi Finance Scheme -SSUF- Cash Credit to Petty Traders 11% 2.00 1 Yr
12. Cash Credit to Traders 11% 60.00 1 Yr
13. SSUF-Hawkers (PM SVANidhi) 10% 0.10 1 Yr
14. SSUF-Hawkers (Jagananna Thodu) 10% 0.10 2 Yrs
15. SSUF- Term Loan to Women (YSR Cheyutha) 10% 0.56250 48 Months (Including Moratorium)
16. SSUF- Cash Credit to Women (YSR Cheyutha) 10% 0.56250 48 Months (Including Moratorium)
17. Sahakara Mortgage Loan 12% 5.00 10 Yrs
18. Pedalandiriki Illu 9% 0.50 3 Yrs

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