ANNEXURE-1A
INTEREST RATE RANGE ON LOANS AND ADVANCES TO INDIVIDUALS UNDER RETAIL LENDING FOR THE PAST QUARTER- SEPT-2025
|
SCHEME
|
RANGE OF ROI
|
ROI MEAN %
|
|
Housing Loan
|
7.45% TO 11.20%
|
9.32%
|
|
Mortgage against IP Loan
|
Term Loan
|
10.00% to 12.10%
|
11.05%
|
|
OD
|
10.50% to 12.60%
|
11.55%
|
|
Reverse Mortgage Loan
|
11.10 to 12.10%
|
11.60%
|
|
Housing Loan Top Up
|
Term Loan
|
8.70% to 10.20%
|
9.45%
|
|
OD
|
9.70% to 11.20%
|
10.45%
|
|
Car Loan
|
7.80% to 10.70%
|
9.25%
|
|
Two Wheeler Loan
|
11.10% to 12.60%
|
11.85%
|
|
Power Ride
|
10.25 TO 11.25%
|
10.75%
|
|
Education Loan
|
7.00% to 11.85%
|
9.42%
|
|
Personal Loan
|
9.40% to 17.05%
|
13.25%
|
|
Personal Loan to Pensioners
|
10.85% to 11.85%
|
11.35%
|
|
Earnest Money Deposit
|
8.60%
|
8.60%
|
ANNEXURE-1B
II) PROCESSING FEES AND DOCUMENTATION CHARGES EXCLUDING SERVICE TAX IS AS UNDER: FOR THE PAST QUARTER- SEPT- 2025
|
Schemes
|
Processing Fees
|
Documentation Charges
|
|
Housing Loan
|
@ 0.35% of the loan amount (Min 2500/- & Max 15000/-)
Min- Rs.2,500/- + Taxes
Max Rs.15,000/- + Taxes
(Nil under PNB Festival Bonanza Offer, PNB Pride & takeover cases)
|
Rs.1350/- + Taxes
(Nil under PNB Festival Bonanza Offer, PNB Pride & takeover cases)
|
|
Mortgage against IP Loan
|
Term Loan / Overdraft: 0.75% of the loan Amount (Maximum – Rs.1,00,000/- + Taxes )
|
For Loan up to Rs. 50 lakh – Rs. 2500/- + Taxes.
For Loan above Rs. 50 lakh – Rs. 5,000/- + Taxes.
|
|
Reverse Mortgage Loan
|
Half month’s Loan installment subject to Maximum Rs. 15000/- + Taxes
|
NIL
|
|
Overdraft to Housing Loan Borrowers
|
NIL
|
Rs.450/- + Taxes
(Nil under PNB Festival Bonanza Offer)
|
|
Car Loan
|
@ 0.25% of loan amount,
Minimum - Rs. 1,000/- Maximum- Rs. 1,500/- + Taxes
Nil Documentation charges
|
|
Two Wheeler Loan
|
@ 0.50% of the loan amount
Min- Rs. 500/- + Taxes
Max- Rs.1000/- + Taxes
|
|
Power Ride
|
@ 0.50% of the loan amount
Min- Rs. 500/- + Taxes
Max- Rs.1000/- + Taxes
|
|
Education Loan
|
For Studies in India- NIL
For Studies abroad- 1%
Minimum Rs.10,000/- (Refundable after 1st Disbursement)
|
NIL
|
|
Personal Loan
|
1.00% of loan amount + Taxes
|
Upto 2 lakh Rs. 270/- + Taxes
Above 2 Lakh Rs. 450/- + Taxes
|
|
Personal Loan to Pensioners
|
NIL
|
Rs.500/- + Taxes
|
|
Earnest Money Deposit
|
Nil
|
Nil
|
ANNEXURE-1C
iii) ANNUAL PERCENTAGE RATE AFTER TAKING INTO ACCOUNT PROCESSING FEES AND DOCUMENTATION CHARGES ON A LOAN OF Rs. 1,00,000/- (ONE LAKH) IS AS UNDER: FOR THE PAST QUARTER – SEPT- 2025
|
SCHEME
|
RANGE OF ROI
|
APR%
|
|
MIN
|
MAX
|
|
Housing Loan
|
7.45% TO 11.20%
|
7.62
|
11.42
|
|
Mortgage against IP Loan
|
Term Loan
|
10.00% to 12.10%
|
10.60
|
12.70
|
|
OD
|
10.50% to 12.60%
|
11.10
|
13.20
|
|
Reverse Mortgage Loan
|
11.10% to 12.10%
|
11.50
|
12.50
|
|
Housing Loan Top Up
|
Term Loan
|
8.70% to 10.20%
|
9.71
|
11.21
|
|
OD
|
9.70 to 11.20%
|
10.71
|
12.21
|
|
Car Loan
|
7.80% to 10.70%
|
8.86
|
11.68
|
|
Two Wheeler Loan
|
11.10% to 12.60%
|
11.85
|
12.85
|
|
Power Ride
|
10.25 TO 11.25%
|
10.50
|
11.50
|
|
Education Loan
|
7.00% to 11.85%
|
7.00
|
11.85
|
|
Personal Loan
|
9.40% to 17.05%
|
7.00
|
11.85
|
|
Personal Loan to Pensioners
|
10.85% to 11.85%
|
11.04
|
12.04
|
|
Earnest Money Deposit
|
8.60%
|
8.60
|
8.60
|