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New interest rates for loans based on CIBIL score, effective from 03/03/2025
(All Interest rates are fixed for initial 3 years thereafter floating)
| CIBIL Score | Income Based (IB) | Income Estimation (IE) | Low LTV | Post Pension | Affordable Income Group | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Base Rate | Spread | Effective RoI | Base Rate | Spread | Effective RoI | Base Rate | Spread | Effective RoI | Base Rate | Spread | Effective RoI | Base Rate | Spread | Effective RoI | |
| 800–850 | 9.85% | 0.15% | 10.00% | 9.85% | 0.50% | 10.35% | 9.85% | 0.50% | 10.35% | 9.85% | 0.50% | 10.35% | 9.85% | 0.75% | 10.60% |
| 750–799 | 9.85% | 0.25% | 10.10% | 9.85% | 1.00% | 10.85% | 9.85% | 1.00% | 10.85% | 9.85% | 1.00% | 10.85% | 9.85% | 1.25% | 11.10% |
| 700–749 | 9.85% | 0.35% | 10.20% | 9.85% | 1.50% | 11.35% | 9.85% | 1.50% | 11.35% | 9.85% | 1.50% | 11.35% | 9.85% | 2.00% | 11.85% |
| 650–699 | 9.85% | 0.50% | 10.35% | 9.85% | 2.50% | 12.35% | 9.85% | 2.50% | 12.35% | 9.85% | 2.00% | 11.85% | 9.85% | 3.00% | 12.85% |
| CIBIL Score | GTP | BSP | RTRP | GRP | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Base Rate | Spread | Effective RoI | Base Rate | Spread | Effective RoI | Base Rate | Spread | Effective RoI | Base Rate | Spread | Effective RoI | |
| 800–850 | 9.85% | 1.00% | 10.85% | 9.85% | 1.00% | 10.85% | 9.85% | 1.00% | 10.85% | 9.85% | 1.00% | 10.85% |
| 750–799 | 9.85% | 1.25% | 11.10% | 9.85% | 1.25% | 11.10% | 9.85% | 1.25% | 11.10% | 9.85% | 1.25% | 11.10% |
| 700–749 | 9.85% | 1.50% | 11.35% | 9.85% | 1.50% | 11.35% | 9.85% | 1.50% | 11.35% | 9.85% | 1.50% | 11.35% |
| 650–699 | 9.85% | 1.75% | 11.60% | 9.85% | 1.75% | 11.60% | 9.85% | 1.75% | 11.60% | 9.85% | 1.75% | 11.60% |
