RATE OF INTEREST ON LOANS AND ADVANCES W.E.F 01.08.

2018
INTEREST
Sr. RATE OF
CATEGORY SCHEME TABLE
No. INTEREST
CODE
1 Unsecured Loans
3311 3311 17.00

2 a) Consumer Loan 3381 3381 17.00

Consumer Loan with collateral security of
b) 3383 3383 14.75
immovable properties / vehicles / Autorickshaw
3 Swarna Gouri 3060/1460 10.90

Gold Loan against Gold Ornaments/Gold Bonds 3060 12.75

Loan 3060
Overdraft against Gold Ornaments/Gold Bonds 1460 12.75
Loan against Govt. securities and Bonds/LIC/NSC 3396 3396 11.00
4 Overdraft against Govt. securities and
1430 1430 11.00
Bonds/LIC/NSC

HOUSING LOAN
5
10.40
a) Griha Samriddhi 3333 3333
10.15
b) Existing Housing Loan 3331 3331

c) Housing Loan - At Non Metro Areas 3330 3330 10.15

6 BCB Top Up Loan 3332 3332 11.90

7 Griha Shobha Loan 3337 3337 12.90

8 Vehicle Loans

a BCB Pushpak Plus + 3349 3349 11.40

New Vehicle 3344 12.75

3344
Personal Use
Used Vehicle 3345 3345 14.25
Pushpak Vehicle
b
Loan for New Vehicle
3346 3346 13.25
Commercial use
Used Vehicle 3347 3347 14.75
BCB Auto Plus
c 3348 3348 12.60

d Autorickshaw / 3 wheeler Loan 3341 3341 14.25

e Vehicle loan for Personal Use 3342 3342 13.25

Vehicle loan for Commercial Use (Other than

f 3343 3343 14.75
Autorickshaw / 3wheeler Loan)
With
Gestation 3361 3361
period 11.90
9
VIDYA VAHINI LOANS Without
Gestation 3362 3362
period 11.75

10 Loan / Overdraft against deposits

a) BDD 3391 3391 11.90
b) Against Self Deposit 3392 1.00+ A
c) Against Deposit in the name of Third Parties 3393 1.50 + A
d) Overdraft Against Self Deposits 1410 1.00+ A
e) Overdraft Against Third Party Deposits 1411 1.50 + A
f) Drawals Against Suvidha 1480 1.00+ A

11 Loan / OD against Shares / Debentures 14.75

12 a) Loan to Doctors and Nursing Home / Hospitals 3371 3371 13.90

b) BCB Medi- Overdraft (Secured Overdraft Limit) 1340 1340 13.90
c) Loan to Self Employed – Professionals 3372 3372 13.50
13a Business Loans 3351 3351 13.90
Term Loan 3355 3355
b Bharat Vanita Udyami
Cash Credit limit 1311 1311 11.11

Term Loan 3356 3356

c Bharat MSME
Cash Credit 1312 1312 11.50
 Term Loan 3357 3357
d Bharat Aahaar Loan
11.90
Cash Credit 1313 1313
Asset Backed Loan
14 3354 3354 13.00

15 Business Plus 3358 3358

12.90

16 Mortgage Loan 3250 3250

13.90

Cash Credit Limit

1310 13.90
1310
17
Ad- Hoc Cash credit Limit ROI +2%

18 Vyapar Overdraft Limit 1490 1490 13.90

19 Dhanvarsha Overdraft Limit 1330 1330 13.90

BCB Dropline Overdraft Limit (New Scheme w.e.f

20 5.01.19) 1331 1331 13.90

Rent – A – Loan 3338 3338 13.90

21
Loans to Commercial Real Estate Sector 3352 3352 16.50

22 Cash Credit to Commercial Real Estate Sector 1320 1320 16.50

Purchase and Discounting of Cheque / Bills /

Unsecured Multani Hundies / Demand draft (Other
23 than sanctioned limit) 18.00

Borrower
Discounting of LC (Inland) 9.50
24 Non Borrower
25 Excess Drawals 21.00
Clean Overdraft Limits /Temporary Overdraft (TOD) /
26 Clearing House Balance / Return of Inward Clearing
21.00
Cheques for want of Funds / Drawals against
Cheques sent for collection
Interest on outstanding debit balance (day wise
product) in Cash Credit limits /VODs/ Dhanvarsha/
27 Medi OD during the period from validity of expiry
date of limits till date of sanction of renewal / ROI + 2%
conversion.
Interest on outstanding debit balance (day wise
product) in Cash Credit limits / VOD /Dhanvarsha/
Medi OD for the period when there is no Drawing
Power on account of non submission of monthly ROI + 2%
28 statements of Stocks, Debtors and Creditors
(irrespective of the fact that whether the limit is
within the validity Period or not)

29 PRE-SHIPMENT & POST SHIPMENT FINANCE IN INR 10.00

LIBOR
30 PRE-SHIPMENT (PCFC) & POST SHIPMENT (PSFC)
+3.00%

** Existing BPLR @ 13.50%