Interest Rates

Domestic Term FCNR Advances EMI Calculator NRE Deposits deposits Deposits BPLR of the Bank : 14.25% ( With effect from 5. 05. 2011 ) Base Rate : 10% ( With effect from 5. 05. 2011 )

Mahabank Jewel Loan Scheme:

Particulars For Agriculture loans (i) For loans eligible under interest subvention scheme: 7% (ii) For other Agricultural loans: For loans other than Agriculture (i) For Senior citizens (ii) For others Base Rate + 2.25 % Base Rate + 3.00 % Rate of Interest 7% As per applicable rate of interest for Agri lo

Mahabank Top-up Loan Scheme:

Particulars For Repair / Renovation / extension of house For other purpose Rate of Interest Base Rate + 1.00% Base Rate + 2.25%

Advances granted against security of NSC / KVP / LIC Policy / RBI Relief Bonds:
Existing Rate under BPLR System BPLR - 1.00% Rate of Interest under Base Rate System Base Rate + 3.00%

A) Advances granted against security of Units of Mutual funds / Shares and Debentures/ Other approved Govt. Securities / Gold Ornaments:
Existing Rate under BPLR System BPLR + 4% Rate of Interest under Base Rate System Base Rate + 7.50%

Mahabank Housing Loan Scheme: BPLR System

Floating Option Tenor/ Amount Up to Rs. 30 lakh Above Rs. 30 lakh & Rs. 75.00 La

less than Rs. 75.00 lakh Up to and inclusive of 5 years Above 5 years and up to and inclusive of 10 years Above 10 years but below & inclusive of 20 years For repair/ renovation BPLR 3.50% BPLR 3.25% BPLR 3.00% BPLR 2.25% BPLR 3.00% BPLR 2.50% BPLR 2.25% (11.25%)

above BPLR 2.75 BPLR 2.25 BPLR 2.00

Mahabank Housing Loan Scheme: Base Rate System

Floating Option Tenor/ Amount Up to and inclusive of 5 years Above 5 years and up to and inclusive of 10 years Above 10 years but below & inclusive of 20 years Up to Rs. 30 lakh Base Rate Base Rate + 0.25% Base Rate + 0.50% Up to Rs. 30 lakh Up to and inclusive of 5 years Above 5 years and up to and inclusive of 10 years Above 10 years but below & inclusive of 20 years For Repair/ Renevoation 10.25% 10.75% -Above Rs. 30 lakh & less than Rs 75.00 lakh Base Rate + 0.50% Base Rate + 1.00% Base Rate + 1.25% Fixed Option Above Rs. 30 lakh & less than Rs 75.00 lakh 11.25% 11.50% -Base Rate + 1.25% Rs 75.00 Lak above 11.50% 11.75% -Rs 75.00 L above Base Rate Base Rate Base Rate

Mahabank Consumer Loan Scheme:

Rate of Interest under BPLR System BPLR + 1.50% Rate of Interest under Base Rate System Base Rate + 5.50%

Mahabank Vehicle Loan Scheme:

Tenor Repayment up to 3 years Repayment above 3 years Second hand Vehicles irrespective of Tenor

Rate of Interest under BPLR Syestem BPLR 2.25% BPLR 1.25% BPLR + 1.25%

Rate of Interest under Ba System Base Rate + 1.25% Base Rate + 2.25%. Base Rate + 5.00%

Model Education Loan Scheme

Loan Slab Loan amount upto and inclusive of Rs.4.00 lakh Loan amount above Rs.4.00 lakh Existing Rate under BPLR System BPLR-2.00% BPLR-1.25% Rate of Interest under B Rate System Base Rate + 1.75% Base Rate + 2.75%

Mahabank Adhar Loan Scheme :

Existing Rate under BPLR System BPLR-0.75% Rate of Interest under Base Rate System Base Rate + 3.00%

Personal loan :
Existing Rate under BPLR System BPLR + 2.00% Rate of Interest under Base Rate System Base Rate + 6.00%

Mahabank Salary Gain Scheme:

Existing Rate under BPLR System BPLR+2% Rate of Interest under Base Rate System Base Rate + 6.00%

Mahabank Financing to Trade & Service Scheme:

Secured against collateral Existing Rate under security equal to 100% of BPLR System sanctioned limit) Up to and inclusive of Rs. 5.00 lakh Over Rs. 5.00 lakh and up to Rs. 25 lakh Over Rs. 25 lakh BPLR BPLR + 0.50% BPLR + 1.50% Rate of Interest under Base Rate Syst

Base Rate + 4.00% Base Rate + 4.50% Base Rate + 5.50%

Secured against collateral Existing Rate under security equal to 125% / BPLR System 150% of sanctioned limit) Up to and inclusive of Rs. 5.00 lakh Over Rs. 5.00 lakh and up to Rs. 30 lakh BPLR BPLR + 0.50%

Rate of Interest under Base Rate Syste

Base Rate + 4.00% Base Rate + 4.50%

Solar Water Heating Systems:

Particulars Domestic users Institutional users Industrial / commercial users Existing Rate under BPLR System BPLR + 0.25% BPLR + 0.25% BPLR + 0.25% Rate of Interest under Base Rate Syste Base Rate + 4.00% Base Rate + 4.00% Base Rate + 4.00%

However, interest subsidy should be claimed as per extant rules.

Agricultural Advances:
Size of Advance Up to Rs. 50000/Above Rs. 50000/-& up to Rs. 1 lakh Cash Credit / Working Capital Limits* / Term Loans BPLR BPLR 3.25% BPLR 2.75% Base Rate Base Rate+0.75% Base Rate+1.25% Base Rate+1.75% Base Rate+2.50% Base Rate+3.50% 7.00% (Fixed). If loan remains after cut-off date/period stipula per Interest Subvention Schem applicable rate of interest will b applicable as per above slabs. Base Rate + 1.25%

Above Rs. 1 lakh & up to BPLR 2.25% Rs. 2 lakh Above Rs. 2 lakh & up to BPLR 1.00% Rs. 10 lakh Above Rs. 10 lakh *Short term production credit up to Rs. 3.00 lakh to Farmers where interest subvention is available Advances under Mahabank Krishi Shakti Yojana BPLR 0.50% 7.00% (Fixed). If loan remains unpaid after cut-off date/period stipulated as per Interest Subvention Scheme, applicable rate of interest will be applicable as per above slabs.

The above rates applicable to Agricultural Advances will also apply to following categories of advances: i) Scheme for financing setting up of Agri. Clinics and Agri. Business Centre by Agricultural Graduates ii) Mahabank Kisan Gold Credit Card

Advances to FSCS / PACS /LAMPS:

Size of Advance Up to Rs. 25000/Above Rs. 25000/Existing Rate under BPLR Rate of Interest under Base Rate System System BPLR 3.00% BPLR 2.50% Base Rate+1.00% Base Rate+1.50%

Advances to Self Help Groups (SHGs):

Particulars For single borrower Federation / Group Existing Rate under BPLR System BPLR 2.50% BPLR 3.00% Rate of Interest under Base Ra System Base Rate+1.50% Base Rate+1.00%

Bills Discounted Under LC (Inland): Applicable for fresh bills of Rs. 1.00 lakh and above
Residual Tenor of Bill Up to and inclusive of 90 days Above 90 days but up to and inclusive of 180 days Existing Rate under PLR System 7.25% 7.50% Rate of Interest under B System Base Rate Base Rate

Powers delegated to various authorities for considering deviation in interest rates on bill discounting under Inland L/C stand withdrawn as the rate of interest can not below the Base Rate

Rupee Export Credit:

A] Interest Rates on Rupee Export Credit for categories covered under RBI's Interest subvention scheme under Base Rate system: Existing Rate under BPLR System Rate of Interest under Rate System

Pre Shipment Credit

Up to 180 Above 180 days days and up to 270 days BPLR 4.75% BPLR 4.50%

Up to 180 days

Above 180 and up to 2 days

Extended to Exporters engaged in the export of: ( i ) Handicrafts ( ii ) Carpets ( iii ) Handlooms (iv ) Small & Medium Enterprises Gold Card Holder exporters engaged in export of: ( I ) Handicrafts ( ii ) Carpets ( iii ) Handlooms (iv) Small & Medium Enterprises

Base Rate - Base Rate 0.75%

BPLR 4.75%

BPLR 4.50%

Base Rate - Base Rate 0.75%

Existing Rate under BPLR System Post Shipment Credit

Rate of Interest u Base Rate System Above and up days

Up to 90 Above 90 days Up to 90 days and up to 180 days days

Extended to Exporters engaged in the export of: ( BPLR BPLR 4.50% Base Rate Base R i ) Handicrafts ( ii ) Carpets ( iii ) Handlooms (iv ) 4.75% - 0.75% 0.50% Small & Medium Enterprises Up to 90 Above 90 days Up to 90 days and up to 365 days days Above and up days

Gold Card Holder exporters engaged in export of: BPLR BPLR 4.50% Base Rate Base R (i) Handicrafts (ii) Carpets (iii) Handlooms (iv) 4.75% - 0.75% 0.50% Small & Medium Enterprises B] Normal Interest Rates on Rupee Export Credit applicable to all exporters other than those mentioned above where interest subvention is available under Base Rate System: Existing Rate under BPLR System Rate of Interest under B Rate System Above 180 and up to 2

Up to 180 Above 180 days Up to 180 days and up to 270 days days Pre Shipment Credit BPLR 2.75% BPLR 2.50% BPLR 2.50%

Base Rate + Base Rate + 1.25% Base Rate + Base Rate + 1.25%

Pre Shipment Credit extended to BPLR 2.75% Gold Card Holder exporters

Up to 90 days Post Shipment Credit BPLR 2.75% Up to 90 days Post Shipment Credit extended to Gold Card Holder exporters BPLR 2.75%

Above 90 days and Up to 90 up to 180 days days BPLR 2.50%

Above 90 da up to 180 da

Base Rate + Base Rate + 1.25% Above 90 da up to 365 da

Above 90 days and Up to 90 up to 365 days days BPLR 2.50%

Base Rate + Base Rate + 1.25%

Micro, Small & Medium Enterprises (MSME):

A) Advances to Micro & Small Enterprises having total limits (Fund + Non fund) upto Rs. 25.00 lakhs: Category a) For all new accounts b) For existing MSME accounts which are yet to complete the first year of advance as per earlier guidelines Rate of interest Base Rate + 0.50% a) Fixed ROI as per earlier guidelines will be applica expiry of the first year of advance b) on expiry of the year of advance at Base Rate + 0.50%

c) In respect of advances having total limits above Rs. 2.00 lakhs, credit rating will have to be don extant guidelines. Henceforth, ROI will not be linked to Credit Rating for advances to Micro & sm Enterprises having total limits upto Rs. 25.00 lakhs. However, Credit rating will continue to be don risk perception in respect of advances having total limits above Rs. 2.00 lakhs and upto Rs. 25.00 l B) Advances to Micro, Small and Medium Enterprises having total limits (Fund + Non fund) above Rs. 25.00 lakhs: - Revised Rate of Interest w.e.f. 10.01.2011: REVISED RATE OF INTEREST UNDER BASE RATE STRUCTURE ROI for total ROI for total limits limits above above Rs. 1 crore Rs.25 lakhs upto Rs.5.00 crore upto Rs. 1 crore AAA AA A BBB Base Rate +2.00% Base Rate +2.50% Base Rate +2.75% Base Rate + 3.50% ROI for total limits ROI for total limits above above Rs. 5.00 crore Rs.10.00 crore upto Rs.10.00 crore

Base Rate +3.00% Base Rate +3.50% Base Rate +4.25% Base Rate +5.00%

Base Rate +3.25% Base Rate +3.75% Base Rate +4.50% Base Rate +5.25%

Base +3.50 Base +4.00 Base +4.75 Base +5.50

BB B&C

Base Rate +4.00% Base Rate + 4.50%

Base Rate +6.50% Base Rate +7.00%

Base Rate+6.75% Base Rate +7.25%

Base R +7.00% Base R +7.50%

Credit Risk Rating REVISED RATE OF INTEREST UNDER BPLR STRUCTURE ROI for total limits ROI for total limits above Rs.25 lakhs above Rs. 1 crore upto Rs. 1 crore upto Rs.5.00 crore AAA AA A BBB BB B&C BPLR 1.75% BPLR 1.00% BPLR 0.75% BPLR % BPLR + 0.50% BPLR + 1.00% ROI for total limits above Rs. 5.00 crore upto Rs.10.00 crore BPLR 0.50% BPLR % BPLR + 0.75% BPLR + 1.50% BPLR + 3.00% BPLR + 3.50% ROI for total limits above Rs. Rs.10.00 crore BPLR 0.25% BPLR + 0.25% BPLR + 1.00% BPLR + 1.75% BPLR + 3.25% BPLR + 3.75% BPLR BPLR 0.50% BPLR 1.25% BPLR 2.00% BPLR 3.50% BPLR 4.00%

Commercial Loans & Advances above Rs. 2.00 lakh (excluding the categories from Sr. No. 1 to 19) where it is essential to undertake internal credit risk rating (CRR) as per Risk Management Policy prescription and interest rate is linked to CRR. Existing Rate under BPLR System AAA AA A BBB BB B&C BPLR BPLR+0.50% BPLR+1.25% BPLR+2.00% BPLR+3.50% BPLR+4.00% Rate of Interest under Bas System Base Rate+4.00 Base Rate + 4.50% Base Rate +5.25% Base Rate +6.00% Base Rate +7.50% Base Rate +8.00%

In case of Term Loans, additional Load factor (Tenor premium) as under is to be added to the above rates. Additional load factor (on Term Loans only and not on working capital facilities) as per residual tenor of term loan is as under:

Under BPLR System Residual Tenor of the loan Above 1 year and up to 3 years Above 3 years and up to 5 years Above 5 years and up to 7 years Above 7 years Additional Load Factor 25 bps 50 bps 75 bps 100 bps This is subject to that the final rate of interest after additional load factor as above should not exceed the ceiling of BPLR + 4.00% as at present.

Under Base Rate System Additional Load Factor 25 bps 50 bps 75 bps 100 bps This is subject to that th rate of interest after add load factor as above sho exceed 16.25%.