LOANS LINKED TO MCLR

LOAN TYPE MAX MCLR SPREAD INTEREST

RATE
QUANTUM (SP+RP)
Easy Trade Max 300.00 lacs 7.65 2.75 10.40
Finance

Reverse mortgage No ceiling 7.65 0.75 8.40

LAP 7.65

Up to 100 lacs Max 1000 lacs 7.65 2.20 9.85

Above 100 lacs Max 1000 lacs 7.65 2.70 10.35

Liquirent 7.65
Tenor – up to 36 No ceiling 7.65 2.70 10.35
months
Tenor – above 36 No ceiling 7.65 3.20 10.85
months

Akshay No ceiling 7.65 3.25 10.90

Sahayika Max 10.00 lacs 7.65 3.75 11.40

IOB Passion 7.65

100% collateral Max 3.00 lacs 7.65 2.75 10.40
(concession)

100% no collateral Max 3.00 lacs 7.65 2.75 10.40

Pension Loan 7.65

Pension loan Max 5.00 lacs 7.65 2.75 10.40

Pension Loan/FA - 7.65 1.75 9.40

Ex-IOBIAN
DL Consumer
Credit
100%collateral Max 5.00/ 25.00 7.65 3.25 9.90
(Concession 1%) lacs
Women Max 5.00/ 25.00 7.65 3.25 10.40
(Concession lacs
0.50%)

Others Max 5.00/ 25.00 7.65 3.25 10.90

lacs
Demand Loan 7.65
Third party No ceiling 7.65 3.70 11.35
deposit
NSC/KVP/IVP - 7.65 3.70 11.35

JL – OD/Real estate Max 10.00 lacs 7.65 5.00 12.65

Swarnalakshmi 7.65
Up to 3.00 lacs Max 5.00 lacs 7.65 1.40 9.05

Above 3.00 lacs Max 5.00 lacs 7.65 2.10 9.75

`
PROCESSING CHARGES DOCUMENTS
REQUIRED
CC Above 25000 to 2 lacs - 600/-; 2 lacs to F568,14A,F16(CC),F110A(CC)
150 crore - 0.45%/max - 55 lacs; ,F110C(FTL),F110E(Enh),F11
TL - 1.25% (above 0.25 lacs up to 500 lacs) 1(G), F378(TL),F379/F379A,
Mortgage charge 0.75% of loan/ F597 & annexure
Max 10000 33(PF),F418, F417/F417A
30.12.2021
0.50% of loan amount; Max 15000 F568,F14A,F378,F111(G),
F379,F417/F417A,F512

cic if > 800 -0.50% conc; CIC of 01 ineligible

up to 5.00 lacs - 0.60% F568,F14A,F378(TL),F16(CC),

F111(G),F379/379A,F417/41
7A

above 5.00 lacs - 0.75%

0.75% of loan amount F568,F14A,F378,F111(G),

F379,F417/F417A

TRIPARTITE
AGREEMENT/Notarized
Power of Attorney to collect
rent (Annexure 98)

0.25% of loan amount; Max 10000 F568,F14A,F378(TL),F16(CC),

F298,F111(G)
F568,F14A,F378,F525,F298,
F111(G)

up to 5.00 lacs - 0.40% F568,F14A,F378,F407,PL8,F1

11(G) or F379/379A &
F417/417A or F525 & F298

above 5.00 lacs - 0.50%

above 10000 - 0.75% of loan amount F568,F14A,F378,F111(G) and

pensioners underaking

nil

up to 5.00 lacs - 0.40% F568,F14A,F378,PL 6 & 7

combined,PL8 up to 15 lacs
above 5.00 lacs - 0.50% F111(G) or F379/F379A &
F417/417A for loans above
15 lacs

NIL F60H,F111(G)

0.25% of loan amount; Max 10000 F568,F14A,F378,F111(G),F52

5 & F298
0.60% of loan amount(Packet release F568,F89E,F16
charges - 200)

up to 3.00 lacs - 0.30% ( No packet F568,F89E

release charges)
above 3.00 lacs - 0.50% ( No packet F568,F89E
release charges)
Terms
CC - cash credit
FTL- fresh term loan
ENC- enhancement
G - Guarantor
Ind- individuals
PF - Partnership firm
COM - companies
LOANS LINKED TO RLLR
SPREAD
LOAN TYPE MAX QUANTUM
RLLR (SP+RP)
Subhagruha Up to 30 lacs

8.25 0.20
30 to 75 lacs 8.25 0.30
Above 75 lacs

8.25 0.45
HL Top up Up to 100 lacs 8.25 2.40
Above 100 up to 200 lacs 8.25 2.90
HIS Up to 2 lacs 8.25 0.40
Above 2 lacs up to 15 lacs 8.25 0.55
Home Décor Max 10 lacs 8.25 2.95
8.25
Vidya Jothi Above 7.50 up to 40 lacs

8.25 3.20
Vidya Jothi (Staff) Above 7.50 up to 40 lacs
8.25 1.90
Vidya Suraksha Max 7.50 lacs
8.25 2.00
Vidya Shresht Cat A Max 30.00 lacs

8.25 0.40
Vidya Shresht Cat B Max 15.00 lacs

8.25 0.90
Skill loans Max 1.50 lacs 8.25 0.50
Vocational loans Max 1.50 lacs 8.25 3.20
IOB scholar Up to 7.50 lacs
8.25 2.20
IOB scholar Above 7.50 lacs up to 60 lacs
8.25 3.20
IOB scholar (Staff) Up to 60 lacs
8.25 1.90
IOB Career Dream
8.25
Liquid security Up to 2 lacs 8.25 3.45
Unsecured/immovable Up to 2 lacs
8.25 3.95
Vehicle loans (including
electric four wheelers)
8.25
Two wheeler No ceiling 8.25 3.20
Four wheeler new No ceiling 8.25 0.70
Used vehicle Up to 10 lacs 8.25 1.70
Used vehicle Above 10 lacs 8.25 2.70
IOB Royal 8.25
Less than 4 years Max 15 lacs 8.25 3.15
Above 4 years Max 15 lacs 8.25 3.65
Personal Loan Max 15 lacs
8.25 3.15
IOB SME Easy 8.25
Less than 200 Max 750 lacs
lacs(MSE)
1.55
Less than 200 lacs 8.25
(Medium) 1.75

Sanjeevini
Loan up to 100 lacs Max 750 lacs

8.25 1.80

Loan above 100 lacs Max 750 lacs 8.25 2.30

Term Loan Jewel
Up to 3.00 lacs Max 25.00 lacs
8.25 0.20
Above 3.00 lacs up to Max 25.00 lacs
5.00 lac 8.25 0.20
Above 5.00 lacs up to Max 25.00 lacs
25.00 lac 8.25 0.20
MSME JEWEL 8.25
Up to 2.00 lacs Max 10.00 lacs
8.25 0.80
Above 2.00 lacs up to Max 10.00 lacs
5.00 lac 8.25 2.05
IOB SME 300 MAX 2.00 lacs 8.25 2.80
IOB Surya
8.25
Individuals Max 10.00 lacs

8.25 1.45
Institutions Max 10.00 lacs 8.25 2.45
Jewel Loans
8.25
Up to 3.00 lacs Max 25.00 lacs
8.25 0.55
Above 3.00 lacs Max 25.00 lacs
8.25 0.55

Easy Trade Finance Max 300.00 lacs

8.25 2.75

LATEST CIRCULAR https://online.iob.in/RecordCenter/Circulars/ADV-341-2022-23.pdf

INTEREST PROCESSING CHARGES DOCUMENTS
RATE REQUIRED
Loan up to 75 lacs - 0.50%; max - F568,F14A,HL2,F378,
20000 F379/379A,F417/417
8.45 A,F111(G),F16(HL AS
CC)

8.55 Loan above 75 lacs - 0.50%

(Gen next; HL-CC;NL-NRI NRI - GPOA format if
included); Gharonda not document executed
8.70 included by POA

10.65 0.75% of loan amount

11.15 Max - 25000/-
8.65 0.50% of the loan amount
8.80 Max - 20000/-
11.20 0.50% of the loan amount
Max - 20000/-
Inland - Nil F568,F14A,F378,F379
/379A,F417/417A or
F525/298,F111(G),
11.45 CSIS AGREEMENT

overseas - 0.50% of loan amount Same as above

10.15

10.25 nil F568,F14A,F378,CSIS

AGREEMENT

nil F568,F14A,F378,CSIS
AGREEMENT up to
8.65 CAT 15; CAT B 7.5 lacs

nil F568,F14A,F378,CSIS
AGREEMENT,F111(G),
F379/F379A,
9.15 F417/417A above CAT
15; CAT B 7.5 lacs

8.75 0.50% of loan amount F568,F14A,F378

11.45 0.50% of loan amount F568,F14A,F378

0.50% of loan amount F568,F14A,F378,

10.45 F111(G),F379/379A,
F417/417A

0.50% of loan amount F568,F14A,F378,

11.45 F111(G),F379/379A,
F417/417A
 0.50% of loan amount F568,F14A,F378,
10.15 F111(G),F379/379A,
F417/417A

0.50% of loan amount F568,F14A,F378,F111

(G) or F298 or F525 or
F379/F379A &
F417/417A
11.70

12.20
cic if > 800 -0.50% conc; HL clients F568,F14A,F378,
PL6&7 combined,
0.20% or 0.50% if CIC >800; CIC of 01 PL8,F29 & F30
ineligible

11.45 up to 5.00 lacs - 0.50%

8.95 above 5.00 lacs - 0.60%

9.95 Min - 500; Max - 10000
10.95

11.40 up to 5.00 lacs - 0.50% F568,F14A,F378

11.90 above 5.00 lacs - 0.75%

Category A; B -spread 3.65%; C - F568,F14A,F378,
11.40 spread 4.15%; CIC > 800 1% F111(G),F(16) for CC
concession

CC - 0.40% ; TL - 1.00% F568,14A,F16(CC),F11

0A(CC) F110C(FTL),
9.80
F110E(Enh),F111(G),
F378(TL),F379/F379
A F597 & annexure
10.00 33(PF),F418,
F417/F417A

0.50% Min - 5000; Max - 25000 F568,14A,F110A(CC),

F110C(FTL), F378,

10.05 F110E(Enh),F111(G),
F379/F379A,
F417/F417A or
CGTMSE

10.55

up to 3 lacs - 0.25% F568,F89E,F378 (in

8.45 case of installments) W.E.F 12.01.2022
above 3 lacs - 0.40%
8.45
8.45
F568,F89E

above 50000 up to 2.00 lacs -

9.05 500
above 2.00 up to 5.00 lacs - 750
10.30
11.05 above 50000 0.50%;min500 F568,14A,F407, F378

up to 5.00 lacs - 0.40% F568,F14A,F378,F407

(Ind),F110C(Com),F60
H,F298,F111(G),F379
9.70 /F379A,F417/417A

10.70 above 5.00 lacs - 0.50%

up to 3.00 lacs - 0.30% F568,F89E,F378 (in

8.80 case of installments)
above 3.00 lacs - 0.50% ( No F568,F89E,F378 (in
8.80 packet release charges) case of installments)

CC Above 25000 to 2 lacs - 600/-; 2 lacs F568,14A,F16(CC),F11

to 150 crore - 0.45%/max - 55 lacs; 0A(CC),F110C(FTL),F1
TL - 1.25% (above 0.25 lacs 10E(Enh),F111(G),
up to 500 lacs) Mortgage F378(TL),F379/F379 refer msme
11.00 charge 0.75% of loan/ Max 10000 A, F597 & annexure dept
33(PF),F418, 30.12.2021
F417/F417A
0
AGRICULTURE LOANS
LOAN TYPE MAX MCLR SPREAD
QUANTUM
(SP+RP)
KCCJL
Up to 3.00 lacs 10.00 lacs 7.65 0.90
Above 3.00 lacs 10.00 lacs 7.65 2.50
General Agri CC & TL 7.65
Up to 5.00 lacs No ceiling 7.65 1.40

Above 5.00 up to 25.00 No ceiling 7.65 2.25

lacs

Above 25.00 up to No ceiling 7.65 2.75

100.00 lacs

Above 100.00 lacs No ceiling 7.65 3.25

Poultry No ceiling 7.65 1.10
Agri godown No ceiling 7.65 1.10
Warehouse receipt 7.65

Up to 10 lacs No ceiling 7.65 0.35

Above 10 lacs No ceiling 7.65 0.90
PMJDY 10000 7.65 1.90
Agri clinic & business 7.65
Up to 5.00 No ceiling 7.65 1.40

Above 5.00 up to 25.00 No ceiling 7.65 2.25

lacs
Above 25.00 up to No ceiling 7.65 2.75
100.00 lacs
Above 100.00 lacs No ceiling 7.65 3.25
Urban horticulture 7.65
Up to 5 lacs Max 25.00 lacs 7.65 1.40

Above 5 lacs Max 25.00 lacs 7.65 2.25

BHUMI lakshmi 7.65
Up to 5 lacs Max 10.00 lacs 7.65 1.40

Above 5 lacs Max 10.00 lacs 7.65 1.40

Sagar lakshmi Max 1.00 lacs 7.65 2.25
Agri Transport 7.65
Up to 5 lacs No ceiling 7.65 1.35

Above 5 lacs No ceiling 7.65 2.20

SHG/JLG (subvention) 7.65

Up to 3 lacs (TL/CC) 10 7.65 2.90

Above 3.00 up to 5.00 10 7.65 1.50
lacs(CC)
Above 3.00 up to 5.00 10 7.65 1.80
lacs(TL)
Above 5 lacs (CC) 10 7.65 1.80
Above 5 lacs (TL) 10 7.65 2.30
SHG/JLG (non 7.65
subvention)
Up to 3 lacs (TL/CC) 10 7.65 1.15
Above 3.00 up to 5.00 10 7.65 1.50
lacs(CC)
Above 3.00 up to 5.00 10 7.65 1.80
lacs(TL)
Above 5 lacs (CC) 10 7.65 1.80
Above 5 lacs (TL) 10 7.65 2.30
Scheme type CC TL
Agri Transport 25000 TO 3 LACS 25000 TO 3 LACS
SHG/JLG (non subvention) 0.20% 0.30%
Urban horticulture Above 3 Lacs Above 3 Lacs
Agri clinic & business 0.40% 0.71%
Poultry
Agri godown
BHUMI lakshmi

LATEST CIRCULAR https://online.iob.in/RecordCenter/Circulars/ADV-342-2022-23.pdf

INTEREST PROCESSING CHARGES DOCUMENTS
RATE REQUIRED

8.55 above 50000 - 3 lacs - .20% F89E,F14A,F110I/

110K,F16
10.15 above 3 lacs - 0.30%

9.05 F568,14A,F16(CC),
F110I/110K(TL),F111,
F378(TL),F379/F379A,
F512,F417/F417A

9.90 CC - above 25000 up to 3 lacs -

0.20% CC
above 3.00 lacs - 0.30%

10.40 TL - above 25000 up to 3 lacs -

0.30% TL
above 3.00 lacs - 0.71%

10.90
8.75 above docs plus PL8

8.75
above 50000 - 3 lacs - .20%; above 3 F568,14A,F375,F374,
lacs - 0.30% F108,F111,F379/F379A
,F512,F417/F417A

8.00
8.55
9.55 NIL

9.05 F568,14A,F110I/110K
(TL),F111,
F378(TL),F379/F379A,
F512,F417/F417A

9.90

10.40

10.90
9.05 F568,14A,F110I/110K
(TL),F111,
F378(TL),F379/F379A,
F512,F417/F417A

9.90

9.05 F568,14A,F110I/110K
(TL),F111,
F378(TL),F379/F379A,
F512,F417/F417A

9.05
9.90 F568,14A,110K, F378

9.00 F568,14A,F110I/
110K,F111,
F378(TL),F379/F379A,
F512,F417/F417A,F29&
F30

9.85
7.65 above 50000 - 3 lacs - 0.25% F568,14A,F407/F16,
INTERSE
AGREEMENT,
ARTICLES OF LOAN
AGREEMENT
10.55 above 3 lacs - 0.25%
9.15

9.45

9.45
9.95

8.80
9.15

9.45

9.45
9.95
2-2022-23.pdf
Documentation Charges (DC)
Amount Charges (INR exl
GST)
Up to 2 lacs Nil
Above 2 lacs to 10 lacs 500
Above 100 lacs to 1000 lacs 2500
Above 1000 lacs 7500
CIBIL Individual - 100
Commercial - 700
CERSAI up to 5 lacs - 50
Above 5 lacs - 125
DC Exempt Loans DL against Deposit
KCCJL/AGTAJ/JLO/
JL(MSME)
Staff Loans
JL- Swarnalakshmi
se