| Product |
Revised rate of interest w.e.f 01.08.2011 |
| 1. IB DOCTOR PLUS |
| |
Small & Medium
Enterprises |
Micro
Enterprises |
| Doctor Plus (WC) |
BPLR – 2.25% |
BPLR – 2.50% |
| Doctor Plus - Term Loan (Equipment) |
BPLR+TP-2.75% |
BPLR+TP-3.00% |
| Doctor Plus - Term Loan (Building) |
BPLR+TP-1.75% |
BPLR+TP-2.00% |
| 2. IB MY OWN SHOP |
| < 36 months |
BPLR+0.25% |
BPLR |
| 36 months and above |
BPLR+TP+0.25% |
BPLR+TP |
| 3. IB VIDYA MANDIR |
| Term Loan – up to Rs.20 lakhs |
BPLR+TP
- 0.75% |
BPLR+TP
- 1.00% |
| Term Loan Beyond Rs.20 lakhs to Rs.100 lakhs |
BPLR+TP-
0.25% |
BPLR+TP
-0.50 % |
| 4. IND VAHANA |
| In case collateral is more than 50% of loan amount |
BPLR+TP- 1.25 % |
BPLR+TP- 1.50% |
Where no collateral other than third
party guarantee is available |
BPLR+TP - 0.75% |
BPLR+TP - 1.00 % |
| 5. IB PROFESSIONAL SPECIAL |
| Professional Special |
BPLR+TP - 0.75% |
BPLR+TP - 1.00 % |
| 6.
IB ANNAPOORNA & AROGYA (AA) |
| AA (WC) |
BPLR – 0.75% |
BPLR – 1.00 % |
| AA (TL) |
BPLR+TP- 0.75% |
BPLR+TP- 1.00 % |
| 7. IB STAR RICE MILL |
| Rating : AAA and AA + (WC) |
BPLR – 3.25 |
BPLR – 3.50 |
| Rating : AAA and AA + (TL)* |
BPLR + TP – 3.25 |
BPLR + TP – 3.50 |
| Rating : AA and A (WC) |
BPLR – 3.00 |
BPLR – 3.25 |
| Rating : AA and A (TL)* |
BPLR + TP – 3.00 |
BPLR + TP – 3.25 |
| Rating : Below “A” & up to “B” (WC) |
BPLR – 2.00 |
BPLR – 2.25 |
| Rating : Below “A” & up to “B” (TL)* |
BPLR +TP – 2.00 |
BPLR +TP – 2.25 |
| Rating : Less than “B” (WC) |
BPLR-1.00 |
BPLR-1.25 |
| Rating : Less than “B” (TL)* |
BPLR + TP-1.00 |
BPLR + TP-1.25 |
| * The Tenor premium of 0.5% shall be added uniformly for all term loans irrespective
of the repayment period stipulated (as a special
case) under this scheme. (Ref: as per Modification
In IBStar Rice Mill dated 11.02.2010) |
| 8. IND SME SECURE |
| 150% of limits (WC) ** |
BPLR-1.75% |
BPLR-2.00 % |
| 125% of limits (WC) ** |
BPLR-1.50 % |
BPLR-1.75% |
| 100% of limits (WC) ** |
BPLR-1.25% |
BPLR-1.50% |
| 75% of limits (WC) ** |
BPLR+0.25% |
BPLR |
| 150% of limits (TL) ** |
BPLR+TP-1.75% |
BPLR+TP-2.00% |
| 125% of limits (TL) ** |
BPLR+TP-1.50% |
BPLR+TP-1.75% |
| 100% of limits (TL) ** |
BPLR+TP-1.25 % |
BPLR+TP-1.50% |
| 75% of limits (TL) ** |
BPLR+TP+0.25% |
BPLR+TP |
| ** mentioned rates are for accounts rated A and above. For accounts below A and above B, 0.5% to be charged additionally |
| 9. IB Caterer |
| Working capital |
BPLR- 0.25% |
BPLR-0.50 % |
| Term loan |
BPLR+TP-0.25% |
BPLR+TP-0.50 % |
| 10. IB BEML EQUIP-FINANCE |
| Upto Rs 50 lakhs |
BPLR+TP- 2.50% |
BPLR+TP- 2.75% |
| Above Rs 50 lakhs to Rs 300 lakhs |
BPLR+TP-2.00% |
BPLR+TP-2.25% |
| SME SLPs Discontinued w.e.f 19/11/2010 (ROI For Existing Accounts) |
| 1. IB AYUSHMAN |
| Premium (WC) |
BPLR - 0.75% |
BPLR - 1.00% |
| Premium (TL) |
BPLR+TP+0.75% |
BPLR+TP+0.50% |
| Economy(WC) |
BPLR - 0.75% |
BPLR - 1.00% |
| Economy(TL) |
BPLR+TP- 0.25% |
BPLR+TP-0.50% |
| Home |
BPLR+TP+0.75% |
BPLR+TP+0.50% |
| 2.
IB HOSTEL PLUS |
| Working Capital |
BPLR
+0. 25% |
BPLR |
| Term Loan |
BPLR+TP
+0.25% |
BPLR+TP |
| 3.
IB BPO Finance |
| Working Capital / Term Loan Below 36 months |
BPLR
- 0.75% |
BPLR
-1.00% |
Working Capital / Term Loan
Below 36 months (for new entrants) |
BPLR
- 0.75% |
BPLR
- 1.00% |
| Term loan- 36 months & above |
BPLR+TP
- 0.75% |
BPLR+TP
- 1.00% |
| 4. IB Travel Tours |
| Working capital |
BPLR- 0.25% |
BPLR -0.50 |
| Term loan |
BPLR+TP-0.25% |
BPLR+TP-0.50 % |
| Medium Enterprises |
BPLR+TP+1.75% |
|
