Rates And Charges

Interest Rates and Service Charges

RATE OF INTEREST ON REGULATORY AND NON REGULATORY MSME LOANS

For Limits up to Rs. 25.00 Lacs (Regulatory)

Limits Micro Small Medium
Upto Rs.50000/- BRLLR+ SP BRLLR+ SP+2.00% BRLLR+ SP+2.70%
Above Rs. 50000/- to Rs. 2.00 Lacs BRLLR+ SP+2.00% BRLLR+ SP+2.20% BRLLR+ SP+2.70%
Above Rs. 2.00 Lacs to Rs. 10.00 Lacs BRLLR+ SP+2.20% BRLLR+ SP+2.35% BRLLR+ SP+2.70%
Above Rs. 10.00 Lacs to Rs. 25.00 Lacs BRLLR+ SP+2.35% BRLLR+ SP+2.50% BRLLR+ SP+2.70%


The bank is using credit spreads for MSME borrowers based on CMR ranking and hard security coverage for loans above Rs. 25.00 Lakh and up to Rs. 7.50 Crore. Rate of Interest being charged as under:

CMR Rank Existing Price Range (based on CMR and Hard Security coverage matrix) Existing Price Range Non Regulatory (based on CMR and Hard Security coverage matrix)
CMR 1 BRLLR +0.30% to BRLLR +1.75% MCLR+0.45% to MCLR+1.80%
CMR 2 BRLLR +SP+0.60% to BRLLR +SP+2.40% MCLR+SP+0.75% to MCLR+SP+2.45%
CMR 3 BRLLR +SP+0.65% to BRLLR +SP+3.70% MCLR+SP+1.00% to MCLR+SP+3.85%
CMR 4 BRLLR +SP+1.00% to BRLLR +SP+5.85% MCLR+SP+1.35% to MCLR+SP+6.00%
CMR 5 BRLLR +SP+1.65% to BRLLR +SP+7.25% MCLR+SP+2.20% to MCLR+SP+7.25%
CMR 6 BRLLR +SP+2.20% to BRLLR +SP+7.45% MCLR+SP+2.75% to MCLR+SP+7.45%


T-Bill linked ROI structure for Rupee Export Credit to externally rated and unrated Export Borrowers under MSME segment as under:

External Rating (Short Term Equivalent to be considered as per circular no. BCC:BR:114/551 dated 24.08.2022) Tenor T-Bill Benchmark Rate Spread over tenor based T-Bill Benchmark (in %)
AAA Up to 3 Months 3 Months T-Bill 1.35
AA 1.60
A 1.85
BBB 2.35
BB & below 3.95
Unrated 3.65
AAA Over 3 Months and up to 6 Months 6 Months T-Bill 1.30
AA 1.55
A 1.80
BBB 2.30
BB & below 3.90
Unrated 3.60


For Loans above Rs. 7.50 crore to Rs. 100 Cr, Rate of Interest being charges as under:

Composite Rating Regulatory Non-Regulatory
CR1 BRLLR +SP+0.50% MCLR +SP+1.00%
CR2 BRLLR +SP+1.00% MCLR +SP+1.25%
CR3 BRLLR +SP+1.25% MCLR +SP+2.75%
CR4 BRLLR +SP+2.00% MCLR +SP+3.50%
CR5 BRLLR +SP+3.00% MCLR +SP+4.50%
CR6 and below BRLLR +SP+6.00% MCLR +SP+7.00%

For Loans Above Rs. 100 Crore, Rate of Interest being charges as under:

Composite Rating
External Rating AAA/A1+ AA/A1 A/A2 BBB/A3 Unrated Below BBB/A3 Unrated
Risk Weight 20% 30% 50% 100% 100% 150% 150%
CR 1 1.05% 1.15% 1.30% 1.80% 2.05% 2.90% 2.90%
CR 2 1.20% 1.30% 1.45% 2.20% 2.30% 3.30% 3.30%
CR 3 1.30% 1.45% 1.60% 2.80% 3.30% 3.80% 3.80%
CR 4 1.80% 2.00% 2.30% 3.30% 3.80% 4.55% 4.55%
CR 5 2.30% 2.70% 3.05% 3.80% 4.55% 5.30% 5.30%
CR 6 3.30% 3.70% 4.05% 4.80% 5.80% 7.30% 7.30%
CR 7 and below 4.30% 4.80% 5.30% 7.80% 7.80% 7.80% 7.80%

Rate of interest for Mid/Large Corporate advances linked to Base Rate w.e.f 12.10.2022

Rating Large and Mid Corporate Advances
CR-1 BR+1.25%
CR-2 BR+1.80%
CR-3 BR+3.00%
CR-4 BR+3.75%
CR-5 BR+4.75%
CR-6 & Below BR+7.00%

The existing tenor based credit risk premium applies only for Base rate linked exposures which is as under:

Period Tenor Premium
Less than 3 years N.A.
3 Yr up to 5 Yr 0.10%
5 Yr up to 7 Yr 0.15%
7 Yr up to 10 Yr 0.20%
Above 10 Yr 1.00%

The tenor linked base rate will apply as per existing terms with the borrowers.

An additional ROI @ 1% to be charged, in respect of all corporate exposures that are unrated externally and have exposure of INR 100 Crores and above from the banking system or rated worse than BBB.

The Strategic premium on various advances will be applicable as it is.

Advances where total exposure is greater than INR 5 Crs or Turnover is greater than INR 25 Crs would be treated as Corporate exposure.

Rate of interest for Mid/Large Corporate advances linked to MCLR

Rating Large and Mid Corporate Advances
CR-1 MCLR + 1.25%
CR-2 MCLR + 1.80%
CR-3 MCLR + 3.00%
CR-4 MCLR + 3.75%
CR-5 MCLR + 4.75%
CR-6 & Below MCLR + 7.00%

These spreads will apply to fresh sanctions and fresh sanctions and renewals of the existing facilities after the due date where the reference rate is MCLR.

Rupee & Foreign currency export credit granted under Export LC (Export Bill discounted post acceptance under LC after earmarking ASL)

Tenor of Bills Rupee Export Credit Foreign Currency Export Credit

Upto 3 months

3 Months T-Bill + 0.75%p.a.

3 Months ARR + 1.00%p.a.

Above 3 and upto 6 months

6 Months T-Bill + 0.75%p.a.

6 Months ARR + 1.00%p.a.

  • Rate of Interest on Various Loans linked with Baroda Repo Linked Lending Rate (BRLLR) & MCLR
  • Rate Of Interest Of New Schemes
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Financing Protected Cultivation (Green House/polyhouse Etc.) Projects

Limit Applicable ROI
Limit upto Rs 3.00 lakhs One year MCLR + SP
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%

Limit Rs 25 lakhs and above

Limit Applicable ROI
3 years & above and upto 5 years One year MCLR + SP + 2.10%
Above 5 years and upto 7 years One year MCLR + SP + 2.15%
Above 7 years and upto 9 years Five year MCLR + SP + 1.85%

Financing Farmer Producer Companies (FPC)

Limit Applicable ROI(Concession will apply)
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%
Limit above Rs 25.00 lakhs As per details given Below
For Loan period less than -3- years One year MCLR+ Strategic premium+2.00%
3 years & above and up to 5 years One year MCLR+ Strategic premium+2.10%
Above 5 years and up to 7 years One year MCLR+ Strategic premium+2.15%
Above 7 years and up to 10 years One year MCLR+ Strategic premium+1.85%

Rate of Interest on Various Loans linked with Baroda Repo Linked Lending Rate (BRLLR) & MCLR

For MSME Loans applicable BRLLR is 7.90% w.e.f 06.12.2025 (Current of RBI Repo:5.25% +Mark-Up:2.65% and SP is 0.25%)



For Limits up to Rs. 25.00 Lacs (Non-Regulatory) MCLR+ SP+2.75%

Financing Protected Cultivation (Green House/polyhouse Etc.) Projects

Limit Applicable ROI
Limit upto Rs 3.00 lakhs One year MCLR + SP
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%

Limit Rs 25 lakhs and above


Limit Applicable ROI
3 years & above and upto 5 years One year MCLR + SP + 2.10%
Above 5 years and upto 7 years One year MCLR + SP + 2.15%
Above 7 years and upto 9 years Five year MCLR + SP + 1.85%

Financing Farmer Producer Companies (FPC)

Limit Applicable ROI(Concession will apply)
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%
Limit above Rs 25.00 lakhs As per details given Below
For Loan period less than -3- years One year MCLR+ Strategic premium+2.00%
3 years & above and up to 5 years One year MCLR+ Strategic premium+2.10%
Above 5 years and up to 7 years One year MCLR+ Strategic premium+2.15%
Above 7 years and up to 10 years One year MCLR+ Strategic premium+1.85%

Financing Protected Cultivation (Green House/polyhouse Etc.) Projects

Limit Applicable ROI
Limit upto Rs 3.00 lakhs One year MCLR + SP
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%

Limit Rs 25 lakhs and above

Limit Applicable ROI
3 years & above and upto 5 years One year MCLR + SP + 2.10%
Above 5 years and upto 7 years One year MCLR + SP + 2.15%
Above 7 years and upto 9 years Five year MCLR + SP + 1.85%

Financing Farmer Producer Companies (FPC)

Limit Applicable ROI(Concession will apply)
Limit above Rs 3.00 lakhs and less than Rs 25.00 lakhs One year MCLR + SP + 1.25%
Limit above Rs 25.00 lakhs As per details given Below
For Loan period less than -3- years One year MCLR+ Strategic premium+2.00%
3 years & above and up to 5 years One year MCLR+ Strategic premium+2.10%
Above 5 years and up to 7 years One year MCLR+ Strategic premium+2.15%
Above 7 years and up to 10 years One year MCLR+ Strategic premium+1.85%
Export credit in INR (w.e.f 01.10.2019/20.01.2020)
PARTICULARS CREDIT RATING ROI for Small and Micro entp.W.E.F 01.10.2019 ROI for Medium, SME Expanded and Corporate customers.
W.E.F 20.01.2020
PRESHIPMENT CREDIT
  • Packing credit up to 270 days
  • Against Incentives received from Government (covered by ECGC up to 90 days)
CR 1 TO CR 3
OR
CMR 1 TO CMR 3 		BRLLR + SP + 0.50 % MCLR  (Tenor based) + SP+ 0.50 %
CR 4 TO CR 6
OR
CMR 4 TO CMR 6 		BRLLR + SP + 0.75 % MCLR  (Tenor based) + SP+ 0.90 %
CR 7 TO CR 10
OR
CMR 7 TO CMR 10 		BRLLR + SP + 1.50 % MCLR  (Tenor based) + SP+ 1.50 %
POST SHIPMENT CREDIT
  • On demand bills for transit period  (As specified by FEDAI)
  •  Against usance bills up to notional due date or actual due date whichever is earlier
2a.   Up to 180 days      
from the date of
advance
  •  Against incentives receivable from Govt. (covered by ECGC guarantee) up to 90 days
  • Against undrawn balance (up to 90 days)
  • Against retention money ( for supplies portion only payable within one year from the date of shipment( up to 90 days) 
CR 1 TO CR 3
OR
CMR 1 TO CMR 3 		BRLLR + SP + 0.40 % MCLR  (Tenor based) + SP+ 0.40 %
CR 4 TO CR 6
OR
CMR 4 TO CMR 6   		BRLLR + SP + 0.65 % MCLR  (Tenor based) + SP+ 0.80 %
CR 7 TO CR 10
OR
CMR 7 TO CMR 10 		BRLLR + SP + 1.40 % MCLR  (Tenor based) + SP+ 1.40 %
EXPORT CREDIT NOT OTHERWISE SPECIFIED (ECNOS)
Pre-shipment BRLLR + SP + 5.85 % 1 YEAR MCLR + SP + 5.90 %
Post- shipment BRLLR + SP + 5.85 % 1 YEAR MCLR + SP + 5.90 %
EXPORT CREDIT FOR GOLD CARD HOLDERS IN INR (w.e.f 20.01.2020/01.04.2020)
Category of Export Credit Rating ROI for Micro Small and Medium customers W.E.F 01.10.2019 (Micro and Small) and 01.04.2020 (Medium) ROI for SME Expanded and Corporate customers. W.E.F 20.01.2020
A. Gold Card- Pre-shipment credit
Up to 270 days CR 1 TO CR 3
OR
CMR 1 TO CMR 3 		BRLLR + SP + 0.25 % MCLR  (Tenor based) + SP+ 0.25 %
CR 4 TO CR 6
OR
CMR 4 TO CMR 6 		BRLLR + SP + 0.50% MCLR  (Tenor based) + SP+ 0.65 %
CR 7 TO CR 10
OR
CMR 7 TO CMR 10 		Not eligible Not eligible
B. Gold Card-Post-shipment credit
Up to 365 days from the date of advance CR 1 TO CR 3
OR
CMR 1 TO CMR 3 		BRLLR + SP + 0.15 % MCLR  (Tenor based) + SP+ 0.15 %
CR 4 TO CR 6
OR
CMR 4 TO CMR 6 		BRLLR + SP + 0.40 % MCLR  (Tenor based) + SP+ 0.55 %
CR 7 TO CR 10
OR
CMR 7 TO CMR 10 		Not eligible Not eligible
Export Credit in Foreign Currency for BBB & below and unrated customers:
Rating of the customer For EUR & JPY till Migration to ARR USD Proposed Spread GBP Proposed Spread
3M 6M 3M 6M
CR-1/CMR-1 1.00 1.26 1.43 1.12 1.28
CR-2/CMR-2 1.00 1.26 1.43 1.12 1.28
CR-3/CMR-3 1.25 1.51 1.68 1.37 1.53
CR-4/CMR-4 1.50 1.76 1.93 1.62 1.78
CR-5 & CR-6/
CMR-5 & CMR - 6 		1.75 2.01 2.18 1.87 2.03
ROI Applicable on FCNR B Loans (FCTL/FCDL)
Spread over Tenor Based ARR/Libor
Internal Rating For Currencies not Migrated to ARR (EUR/JPY) Proposed Spread for USD Proposed Spread for GBP
3M 6M 12M 3M 6M 12M 3M 6M 12M
CR1 - CMR-1 1.75 1.50 1.25 2.01 1.93 1.97 1.87 1.78 1.71
CR2 - CMR-2 2.00 1.75 1.50 2.26 2.18 2.22 2.12 2.03 1.96
CR3 - CMR-3 2.25 2.00 1.75 2.51 2.43 2.47 2.37 2.28 2.21
CR4 - CMR-4 3.75 3.50 3.00 4.01 3.93 3.72 3.87 3.78 3.46
CR5 & CR6 / CMR-5 & CMR-6 5.25 5.00 4.75 5.51 5.43 5.47 5.37 5.28 5.21

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