- THE VAIDYANATH URBAN CO-OP BANK LTD
| Loan and Advances Intrest rate (BoD Meet.29.04.2025 Res.No.24(19) -Circular No.652 Dtd.21.05.2025 | ||||
| Sr.No. | Loan Type | Cibil Score 700/CMR1-3 and abv CR rating A | Cibil Score 675-699/CMR4-5 and abv CR rating A | Cibil Score 650-674/CMR5-6 and abv CR rating A,B,C |
| 1 | Business Loan -Cash Credit , Term Loan (Immovable/Movable/Machinery) |
11.00% | 12.50% | 14.00% |
| 2 | Contractor Loan - Government Contractor (Escrow a/c Mandatory) |
14.00% | 15.00% | 16.00% |
| 3 | Housing Loan | |||
| - Up to Rs.35.00 Lakh | 09.00% | 10.00% | 12.00% | |
| - Above Rs.35.00 Lakh | 10.00% | 11.00% | 13.00% | |
| 4 | Vehicle Loan | |||
| - Up to Rs.20.00 Lakh | 10.00% | 13.00% | 13.00% | |
| - Above Rs.20.00 Lakh | 11.00% | 14.00% | 14.00% | |
| 5 | House Repare Loan | 14.00% | 15.00% | 16.00% |
| 6 | Gold Loan (TL/CC/OD) | 11.00% | 12.00% | 13.00% |
| 7 | Solar Loan | 11.00% | 12.50% | 14.00% |
| 8 | Doctor & Pharma Pluse Loan (Upto 200 Lacs) | 09.00% | 10.00% | 12.00% |
| Doctor & Pharma Pluse Loan (Above 200 Lacs) | 10.00% | 12.00% | 14.00% | |
| 9 | Education Loan | 12.00% | 13.00% | 14.00% |
| 10 | IBP (Govt. Security) | 16.00% | 16.00% | 16.00% |
| 11 | LC | 14.00% | 15.00% | 16.00% |
| 12 | Bill Discounting | 9.00% | 10.00% | 11.00% |
| 13 | LAPS Loan | |||
| - Up to Rs.2.00 Lakh | 14.00% | 15.00% | 16.00% | |
| - Above Rs.2.00 Lakh | 15.00% | 16.00% | 17.00% | |
| 14 | LAPS Loan (Unsecured) - For Teachers & Professors | |||
| - Up to Rs.5.00 Lakh | 11.00% | 11.00% | 11.00% | |
| CIBIL Score & CMR not mandatory for below Loan Types : | ||
| Sr.No. | Loan Type | Intrest Rate |
| 1 | Gold Loan (Up to 4.00 Lakh) | |
| - Agriculture & Eduction | 10.00% | |
| - Other | 10.50% | |
| 2 | FDR Loan | |
| - Up to Rs.15.00 Lakh | FD Int.+ 2 % Extra | |
| - Above Rs.15.00 Lakh | FD Int.+ 1 % Extra | |
| 3 | NCC/KVP/LIC Loan | 12.00% |
| 4 | Pigmy Loan | 12.50% |