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Lending_Interest_Rates
Last Updated on
08/03/2023
Lending_Interest_Rates
a.
Repo Rate to be updated w.e.f 08.02.2023 as 6.50%
b.
Markup: 2.85%
c.
RLLR (w.e.f 08.02.2023) - 9.35%
d.
One Year MCLR w.e.f 10.03.2023: 8.60%
Schemes
RLLR / MCLR
Spread (%)
Interest Rate (%)
IOB SURYA - INDIVIDUALS
RLLR
1.45
10.8
HOUSING LOANS
UPTO Rs. 24.99 LACS
RLLR
0.2
9.55
Rs. 25.00 LACS and Above
STARTS @ 8.85% FINAL PRICING WILL BE BASED ON INTERNAL SCORING MODEL OF THE BANK.
Special Interest Concession Available to Women Borrower upto 31.03.2023
SUBHAGRUHA TOP UP LOANS
Upto Rs. 30.00 Lakhs
RLLR
2.3
11.65
Above Rs. 30.00 Lakhs to Rs. 1.00 Crore
RLLR
2.25
11.6
Above Rs. 1.00 Crore
RLLR
2.75
12.1
HOME IMPROVEMENT
Upto Rs. 2.00 Lakhs
RLLR
0.3
9.65
ABOVE Rs. 2.00 LACS
RLLR
0.45
9.8
Home Décor
Upto Scheme Limit
RLLR
2.85
12.2
IOB Home Advantage Scheme
Upto Rs. 30.00 Lacs
RLLR
1.6
10.95
Above Rs. 30.00 Lacs to Rs. 75.00 Lacs
RLLR
1.65
11
Above Rs. 75.00 Lacs
RLLR
1.8
11.15
Subhagruha CC Loans
Upto Rs. 30.00 Lacs
RLLR
0.35
9.7
Above Rs. 30.00 to Rs. 75.00 Lacs
RLLR
0.4
9.75
Above Rs. 75.00 Lacs
RLLR
0.55
9.9
EDUCATIONAL LOANS
VIDYA SURAKSHA
RLLR
2.2
11.55
VIDYA JYOTI
RLLR
3.2
12.55
VIDYAJYOTI - WARD OF STAFF
RLLR
1.9
11.25
SKILL LOAN
RLLR
1.7
11.05
VIDYA SHREST
A RATED INSTITUTIONS
RLLR
0.4
9.75
B RATED INSTITUTIONS
RLLR
0.9
10.25
IOB SCHOLAR
UPTO Rs. 7.50 LACS
RLLR
2.2
11.55
ABOVE Rs. 7.50 LACS
RLLR
3.2
12.55
STAFF WARD
RLLR
1.9
11.25
BIHAR STUDENT CREDIT CARD SCHEME
UPTO Rs. 4.00 LACS
RLLR
2.2
11.55
STAFF WARD
RLLR
1.95
11.3
NCT DELHI SCHEME
RLLR
2.2
11.55
IOB CAREER DREAM
LOANS SECURED BY LIC/KVP/NSC ETC
RLLR
3.45
12.8
LOANS WITHOUT SECURITY/IMMOVABLE PROPERTY
RLLR
3.95
13.3
VEHICLE LOAN*
TWO WHEELER
RLLR
3.2
12.55
FOUR WHEELER (Loans Less than Rs. 10.00 Lacs)*
RLLR
0.7
10.05
*Upto 0.50% Special Interest Concession to Borrowers with CIC Score of 750 and above, 0.20% To borrowers for financing Electirc 4 Wheelers and 0.20% to existing Housing Loan Borrowers of IOB. (T&Cs Apply)
FOUR WHEELER (Loans of Rs. 10.00 Lacs and above)
STARTS @ 8.85% FINAL PRICING WILL BE BASED ON INTERNAL SCORING MODEL OF THE BANK.
PERSONAL LOAN TO HNIs**
REPAYMENT LESS THAN 4 YEARS
RLLR
3.15
12.5
REPAYMENT ABOVE 4 YEARS
RLLR
3.65
13
PERSONAL LOAN**
PERSONAL LOAN CATEGORY-A
RLLR
3.15
12.5
PERSONAL LOAN CATEGORY-B
RLLR
3.65
13
PERSONAL LOAN CATEGORY-C
RLLR
4.15
13.5
LOAN AGAINST PROPERTY***
UPTO Rs. 1.00 CRORE
MCLR
2.2
10.50
ABOVE Rs. 1.00 CRORE
MCLR
2.7
11.00
Types of Jewel Loan Schemes
SLAB
ROI
KCCJL
Up to Rs.3 Lacs
With Interest subvention under KCC
7% (for prompt payment additional subvention of 3%)
(Agricultural Jewel Loan)
Without interest subvention
MCLR+0.90%
Above Rs.3 Lacs up to Rs.10 Lacs
MCLR+2.50 %
AGTAJ
Maximum Up to Rs.25 Lacs
RLLR+0.20%
(Agriculture Term Loan - Jewellery)
JL-Others
Maximum Up to Rs.25 Lacs
RLLR+0.55%
(Jewel Loan - Others)
JLSWL
Up to Rs.3 Lacs
MCLR+1.40%
(IOB Swarnalakshmi)
Above Rs.3 Lacs up to Rs.5 Lacs
MCLR+1.90%
JLSME
Up to Rs.2 Lacs
RLLR+0.80%
(Jewel Loan SME)
Above Rs.2 Lacs up to Rs. 5 Lacs
RLLR+2.05%
*0.50% Special Interest Concession to Borrowers with CIC Score of 800 and above, 0.20% To borrowers for financing Electirc 4 Wheelers and 0.20% to existing Housing Loan Borrowers of IOB. (T&Cs Apply)
**1.00% Special Interest Concession to Borrowers with CIC Score of 800 and above. (T&Cs Apply)
***1.00% Special Interest Concession to Borrowers with CIC Score of 800 and above. (T&Cs Apply)
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