Based on Base Rate

1. Home Loan – Variable Rate of Interest (For residents and NRIs)-Interest Rate

w.e.f 07.10.2015

All rates linked to our present Base Rate of 9.65%

Upto ` 75 lakhs > ` 75 lakhs

9.65% (Base Rate) *9.90% (Base rate +0.25%)

*Concessional rate of interest is applicable at present under Festival Season Offer 2015 for

Home Loans upto 2.00 crores at Base Rate, presently 9.65% valid upto 31.01.2016

2. Home Loan -Fixed Rate of Interest (For residents only)-Interest Rate w.e.f 07.10.2015

All rates are linked to our present Base Rate of 9.65%

Upto ` 75 lakhs > ` 75 lakhs

10.65% (Base Rate+1%) 10.90% (Base rate +1.25%)

3. Plot Loan(both Resident & NRI)- Variable rate

Interest Rate

1% above the applicable Home Loan (variable) interest rates based on the amount of loan

4. IB Home Improve- Variable rate

Interest Rate (BR+Spread+TP)

9.65+1.25+0.50=11.40%

5. IB Home Loan Plus

Interest Rate (BR+Spread+TP)

9.65+0.50+1.50=11.65%

All Interest rates are linked to current Base Rate.

IB Vehicle Loan Interest Rate w.e.f 07.10.2015 –Applicable for loans sanctioned on or

after 01.05.2012

Type of Vehicle Rate of Interest

Vehicle Loan (New Cars) including Nano Cars

*BR+0.50%(variable)=10.15% p.a for all tenors

Vehicle Loan (Used Cars) BR+3.25%(variable)=12.90% p.a

Vehicle Loan(2 Wheelers) BR+2.75%(variable)=12.40% for all tenors

*Concessional rate of interest for Vehicle Loan (New Car) at Base rate + 0.35% = 10.00% under

Festival Season offer 2015 valid upto 31.01.2016.

All interest rates are linked to current Base Rate

1. Other Variable Rate Personal Segment Loan Products

Product Interest Rate w.e.f 07.10.2015 (BR + Spread + TP)

Pension Loan – Repayment of 12 months BR+3.00% =12.65%

Pension Loan – Repayment above 12 months upto 36 months BR+3.50%+0.25%=13.40%

Pension Loan – Repayment above 36 months upto 60 months BR+3.50%+0.50%=13.65%

Loan against NSC/KVP/LIC Policy/RBI Relief Bonds (for individuals)

BR+1.30%+0.50%=11.45%

Overdraft against NSC/KVP/LIC policy/RBI Relief Bonds (for individuals)

BR+2.30% =11.95%

IB Rentencash Repayment Upto 12 months BR+2.25%+NIL =11.90%

IB Rentencash Repayment above 12 months Upto 36 months BR+2.25%+0.25=12.15%

IB Rentencash Repayment above 36 months Upto 60 months BR+2.25%+0.50=12.40%

IB Rentencash Repayment above 60 months BR+2.25%+0.75=12.65%

Ind Mortgage BR+3.50%+0.75%=13.90%

IB Home Loan Plus BR+1.25%+0.75%=11.65%

Van / Bus to Educational Institutions BR+2.75%+0.50%=12.90%

Loan to LIC Agents BR+5.25%+0.25%=15.15%

IB Balavidya BR+3.25% =12.90%

Indshare-ESOP To be considered on case to case basis

2. Interest rates for other Fixed Rate Personal Segment Loan Products for existing

accounts: (fresh sanctions and for existing accounts reset on or after 07.10.2015)

Sl No. Product Rate of Interest (BR + Spread + TP)

1 Reverse Mortgage BR + Spread (0.50%) = 10.15% Fixed

2. Salary Loan Upto 36 months Above 36 months upto 60 months Above 60 months

BR + 5.00% + 0.25% = 14.90% Fixed BR + 5.00% + 0.50% = 15.15% Fixed BR + 5.00% + 0.75% = 15.40% Fixed

3. IB Vehicle Loan # (Sanctioned prior to 01.05.2012 and reset on or after 07.10.2015)

Four Wheelers (New Cars): Repayment upto 3 years Repayment above 3 years Four Wheelers (Used Cars):

Repayment upto 3 years Repayment above 3 years Nano Car Loan Two Wheelers

10.65% Fixed 10.90% Fixed 11.95% Fixed 12.20% Fixed 11.20% Fixed 12.95% Fixed

@ Reverse Mortgage Loan interest rate shall be subject to reset clause – Interest reset at the end of

every 5 years based on the then prevailing Reverse Mortgage Interest on the date of reset.

# For vehicle loans sanctioned prior to 01.05.2012 – Interest reset at the end of every two years

based on the prevailing vehicle loan interest rates on the date of reset. Vehicle Loans sanctioned

from 01.05.2012 carry variable interest rates.