Interest Rates on Personal Segment Loan Products: Floating
Interest Rates on Personal Segment Loan Products: Floating
| Product Name | Interest Rate Range |
| Home Loan | |
| IB Home Loan, IB Home Loan (NRI) | 7.15% to 8.55% |
| IB Home Loan (CRE) | 7.65% to 9.05% |
| Home Loan for EWS, LIG & MIG Individuals: Urban Areas | 7.75% to 9.15% |
| Home Loan to Corporate Entity | |
| Home Loan to Corporate Entity | 7.60% to 9.10% |
| Plot Loan | |
| Plot Loan & Plot Loan (NRI) | 8.15% to 9.55% |
| IB Home Improve | |
| IB Home Improve | 8.15% to 9.55% |
| IB Home Enrich | |
| IB Home Enrich | 8.15% to 8.70% |
| Home Loan Plus | |
| IB Home Loan Plus | 7.65% to 8.75% |
| Ind Mortgage Loan | |
| Ind Mortgage (Term Loan) | Loan Amount upto Rs.7.50 Cr: 8.95 % to 10.35%
Loan Amount Above Rs. 7.50 Cr:9.00% to 10.85% |
| Ind Mortgage (Overdraft) | 9.95% to 11.60% |
| Reverse Mortgage Loan | |
| Reverse Mortgage Loan | 9.40% |
| Loan against Rent Receivables | |
| IB Rent Encash | 8.75% to 10.25% |
| IB Rental | 8.45% to 10.45% |
| IB Rental (CRE) | 8.95% to 10.95% |
| If the lessee(s) is(are) our Bank / PSB / Pvt sector Bank / Reputed Financial Institution / Government Organization / PSU / Company & Firm (Externally rated “A” / equivalent and above), concession of 0.50% is application on effective ROI | |
| Education Loan | |
| PM VIDYALAXMI | 7.25% to 8.45% |
| Education Loan | 7.05% to 10.15% |
| IB SKILL Loan | 9.45% |
| Vehicle Loan | |
| IB Vehicle Loan | 7.55% to 8.85% |
| IB Vehicle Loan (Eco Vahan ) | 7.50% to 8.75% |
| IB Vehicle Loan for Purchase of User Car $ | 9.55% to 11.65% |
| Vehicle Loan for Purchase of 2 Wheeler | 8.90% to 10.40% |
| Loan for Purchase of “Van / Minibus / Bus / Ambulance” to Institutions / Firms / PSU / Company / Hospitals | 8.75% to 9.40% |
| Pre-approved Personal Loan | |
| Pre-approved Personal Loan to Pensioners, Salaried & Regular Income customers | 11.15% |
| PAPL to Self-employed Customers | 11.75% to 13.75% |
| Pre-approved Personal Loan to Home Loan customers | 9.75% |
| Clean Loan | |
| Non-Priority Term Loan for GMRA Premium | 8.75% to 8.90% |
| IB Saral | 9.35% |
| IB Professional | 9.00%-9.25% |
| IB Insta Cash | 9.00% |
| Salary Loan & IBCLS Plus | |
| Clean Loan to Salaried Class – Term Loan | 9.65% to 10.15% |
| Clean Loan to Salaried Class – Overdraft | 10.65% to 11.15% |
| Pension Loan | |
| Pension Loan | 9.90% to 10.15% |
| Jewel Loan | |
| Jewel Loan (Non-Priority) & OD against Gold Jewels | 8.50% to 8.80% |
| Other Retail Loans | |
| Sovereign Gold Bond | 9.15% to 10.00% |
| Loan / Overdraft against NSC/KVP/LIC Policy/RBI Relief Bonds | 9.50% |
| Term Loan/Overdraft against own deposits | 1% over deposit rates |
| Loan against Third party INR deposit | 10.80% |
| Loan to depositor against own FCNRB Deposit | 10.30% |
| Loan against third party FCNRB Deposit | 10.80% |
( Last modified on Dec 06, 2025 at 06:12:11 PM )
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