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| THE HASTI CO-OP.BANK LTD. | ||||||
| Sr. No. | Type of Loan | Base Rate | Offset In Rate | Applicable Rate | Rebate | Net Rate |
| 1 | 3 | 4 | 5 | 6 | 7 | 8 |
| 1 | Cash Credit Clean Loan | 13.95% | 0.00% | 13.95% | 1.00% | 12.95% |
| 2 | Hypothication Loan | |||||
| Non Priority - | ||||||
| I-Wine Shop & Other Purpose | 12.95% | 0.00% | 12.95% | 1.00% | 11.95% | |
| II-Petrol Pumps | 12.95% | 1.45% | 11.50% | 1.00% | 10.50% | |
| Priority Purpose | ||||||
| Agri.and Allied Business APMC License Holder's,Traders' Whole Salers Oil Mills,Chilly Powder,Ginning Pressing,Oil Mills,Food Grains Sorting,Polishers, Packing Units.etc. (MSME) | 12.95% | 1.95% | 11.00% | 1.00% | 10.00% | |
| Non Priority (General) | ||||||
| For Shopkeeper's like General Stationeries, Cloths, Garments, Medical, Hardware, Shoes etc. | 12.95% | 1.45% | 11.50% | 1.00% | 10.50% | |
| 3 | Pledge of Goods | |||||
| Agri.Produce Goods stored at MSW Corporation, Approved Cold Storages Units. | 11.45% | 0.45% | 11.00% | 1.00% | 10.00% | |
| 4 | Loans against Gold Ornaments | |||||
| I) Bullet Payment to maximum Rs.4 Lakhs. | 8.95% | 0.00% | 8.95% | 0.00% | 8.95% | |
| II) Cash Credit – Maximum Rs.25 Lakhs. | 11.95% | 0.45% | 11.50% | 2.00% | 9.50% | |
| III) Term Loan – Maximum Rs.15 Lakhs. | 10.95% | 1.45% | 9.50% | 1.00% | 8.50% | |
| 5 | Loan Against NSC, KVP, LIC Policies (75% of surrender Value) | 9.00% | 0.00% | 9.00% | 0.00% | 9.00% |
| 6 | Loan Against Property | 13.00% | 1.00% | 12.00% | 1.00% | 11.00% |
| 7 | Loans Working Capital for Industrial Purpose Loan | |||||
| I- General Industries - | ||||||
| Without Udyam ADHAR Or SSI/Non Priority Purpose Registered. | 12.50% | 0.55% | 11.95% | 1.00% | 10.95% | |
| II- Industries Purpose - | ||||||
| Priority Purpose,with Udyam ADHAR, SSI Registered, MSME. | 12.50% | 1.55% | 10.95% | 1.00% | 9.95% | |
| 8 | Salary Earns Loans- (Own use) | 12.00% | 1.00% | 11.00% | 1.00% | 10.00% |
| 9 | Plant and Machinery Term Loans | |||||
| A) Plant and Machinery - Term Loan for New Units | 12.00% | 0.50% | 11.50% | 1.00% | 10.50% | |
| B) MSME - Registered under, SSI, Udyam ADHAR (priority Sector) | 12.00% | 1.00% | 11.00% | 1.00% | 10.00% | |
| C) 2nd Hand (Old) - Plant & Machinery | 12.00% | 1.00% | 13.00% | 1.00% | 12.00% | |
| 10 | Personal Sureties Loans - | |||||
| Maximum up to Rs.25000/- with Surety of 2 Persons | 13.95% | 0.00% | 13.95% | 1.00% | 12.95% | |
| 11 | Housing Top Up Loan | According to CIBIL + 1% Excess As per Existing Housing Interest Rate | ||||
| 12 | Housing Loan :- | |||||
| i) For Female Category start from 8.50% To 10.00% | 9.75% | As per eligibility parameters Annexure-I Enclosed | ||||
| ii) For Male Category start from 8.60% To 10.15% | 9.75% | As per eligibility parameters Annexure-I Enclosed | ||||
| Rate of Interest will be decided at considering CIBIL Score, Previous Banking relations with our Bank, Financial parameters etc. | ||||||
| 13 | A) Cash Credit Secured - (Non Priority Purpose) | 17.00% | 4.50% | 12.50% | 1.00% | 11.50% |
| B) Cash Credit Secured - | ||||||
| Priority Purpose for Commission Agents, Trader's, Wholesalers who is trading in Agri.produce goods & having APMC License MSME Registered. | 17.00% | 5.75% | 11.25% | 1.00% | 10.25% | |
| C) Cash Credit Secured Loan – | ||||||
| Commercial Construction for own Business like Hotel, Lodging, Shops, Mall, Furniture Fixture, Schools, Project Loans (Other than manufacturing) | 17.00% | 4.50% | 12.50% | 1.00% | 11.50% | |
| CC for Professionals | ||||||
| A) CC for Professionals – Doctor's Engineer, Architect & CA's etc. for day to day revenue / capex expenses | 17.00% | 5.50% | 11.50% | 1.00% | 10.50% | |
| B) CC for Professionals – Doctor's Engineer, Architect & CA's etc. for day to day revenue / capex expenses (Without Mortgage). Rs. 0.50 upto 5.00 Lac. | 17.00% | 8.50% | 9.00% | 0.00% | 9.00% | |
| 14 | Car Vehicle Loans :- | |||||
| Private New Car for Own use- Interest Rate strat from 9.50% To 11.00% Rate of interest will be decided at considering of CIBIL Score, existing Banking relations with our Bank, Financial parameters etc. | 12.50% | As per eligibility parameters Annexure Enclosed | ||||
| Commercial New Vehicles :- | ||||||
| I) Trucks, Tanker, JCB, Tempo, Pick-up Van etc. (Subject to RTO passing only) | 12.50% | 2.00% | 10.50% | 1.00% | 9.50% | |
| II) Old Commercial Vehicles | 12.50% | 1.25% | 11.25% | 1.00% | 10.25% | |
| III) New Two/Three Wheeler's Loan-Old, Private Cars,Truck etc. | 12.50% | -0.50% | 12.00% | 1.00% | 11.00% | |
| 15 | Hasti Sulabh Loans | 14.50% | 1.50% | 13.00% | 1.00% | 12.00% |
| 16 | Education Loans – | |||||
| i) Loan upto Rs.25 Lakhs at Domestic in India. | 13.50% | 3.00% | 10.50% | 1.00% | 9.50% | |
| ii) Loan Above Rs.25 Lakhs upto 50 Lakh at Out of India & Domestic. | 13.50% | 2.00% | 11.50% | 1.00% | 10.50% | |
| 17 | Professionals Term Loans- | |||||
| For Doctor's, Engineer's, Architect, CA's, to construct, Purchase, Own premises, Instruments, Machinery, Furniture's, Fixture, Interior, Hospital Construction etc. | 11.50% | 1.00% | 10.50% | 1.00% | 9.50% | |
| 18 | Business Term Loans - | |||||
| i.Term Loan to Commercial Purpose to build /Purchase /own Premises i.e.shopes, Hotel, lodging,Godowns and Project Finance, SI/Udyog Adhar Projects | 14.50% | 3.00% | 11.50% | 1.00% | 10.50% | |
| ii.Term Loan to CC Secured, Hypothecations, Under Priority Sector who is enjoying working capital facility. | 14.50% | 3.50% | 11.00% | 1.00% | 10.00% | |
| iii.Business Term Loan- For Non Priority Purpose. | 14.50% | 2.50% | 12.00% | 1.00% | 11.00% | |
| 19 | Term Loan against Rent Receivable | |||||
| I) In case of Rent amount directly credit to our Bank under Tri-Party Agreement. | 12.50% | 1.50% | 11.00% | 1.00% | 10.00% | |
| II) In case Rent amount Receivable considered as per Rent Agreement/ Financial Papers. | 12.50% | 0.50% | 12.00% | 1.00% | 11.00% | |
| 20 | Salary Loan No.2 | 12.45% | 0.00% | 12.45% | 1.00% | 11.45% |
| 21 | C.C. Against Property | |||||
| Prime Security of Immovable Propery | 13.75% | 1.80% | 11.95% | 1.00% | 10.95% | |
| 22 | Solar Power Loan Scheme | |||||
| A) Residence upto Rs.5.00 Lakhs | 11.75% | 1.00% | 10.75% | 1.00% | 9.75% | |
| B) Commercial upto Rs.25.00 Lakhs | 11.75% | 0.30% | 11.45% | 1.00% | 10.45% | |
| 23 | Cash Credit for Builder Developer & Other CRE Builders for Residential/ Commercial | 17.00% | 3.50% | 13.50% | 1.00% | 12.50% |
| 24 | Term Loan for Builder Developer & Other CRE | 14.00% | 0.50% | 13.50% | 1.00% | 12.50% |
| 25 | Overdraft / Loans against Own Fixed Deposits RID/Lakhpati etc. A/c's | |||||
| 1) Overdraft against Fixed Deposit | ||||||
| A) Maximum of 85% of Fixed Deposit | 1.00% above the Fixed Deposit Rate | |||||
| B) Loan Amount more than 85% of Fixed Deposit | 1.50% above the Fixed Deposit Rate | |||||
| C) Third Party Fixed Deposit Loan (Maximum 85% Of Fixed Deposit) | 1.75% above the Fixed Deposit Rate | |||||
| D) Loan Against – Hasti Lakhpati / R.D. A/c Small Saving A/c | 2.00% above the Rate applicable on various Scheme | |||||
| Loan Rate Revision | Annexure – I | ||||
| B) Housing Loan :- Cibil Rating | |||||
| 1) Existing Customer - | Rate of Int. | ||||
| Associated with our Bank Having Satisfactory banking relationship | Female | Male | |||
| 1) CIBIL Score 750 & above | 8.50% | 8.60% | |||
| 2) CIBIL Score 700 to 749 | 8.75% | 8.85% | |||
| 3) CIBIL Score 600 to 699 | 9.40% | 9.50% | |||
| 4) CIBIL Score below 600 | 10.50% | 10.15% | |||
| 5) CIBIL Rating Rate + 0.75 extra for mixed Construction Purpose (Maximum Commercial area 35% of total Contraction Area) | |||||
| B) CAR Vehicle Loan :- | ROI | Rebate | ROI after Rebate | ||
| 1) CIBIL Score 750 + | 9.50% | 1.00% | 8.50% | ||
| 2) CIBIL Score 700 to 749 | 10.00% | 1.00% | 9.00% | ||
| 3) CIBIL Score 600 to 699 | 10.50% | 1.00% | 9.50% | ||
| 4) CIBIL Score below 600 | 11.00% | 1.00% | 10.00% | ||
दि.०१/०८/२०२५ पासुन कर्मचाऱ्ऱ्यांचे सर्व प्रकारचे कर्जासाठी ( जुने व नविन ) व्याजदर खालील प्रमाणे :-
| स्टाफ कर्जे | |||||
| तपशिल | कर्जावरील सध्याचे (जुने) व्याजदर | सुधारित नविन व्याजदर दि. १/१/२०२३ पासुन | |||
| अ ) स्टाफ हाऊसिंग कर्जे | ६. ५०% | ६. २५% | |||
| ब ) स्टाफ लोन | ८. ५०% | ६. २५% | |||
| क ) स्टाफ हायपर्चेस – | |||||
| १) दोन चाकी वाहनांसाठी | ८. ५०% | ८. २५% | |||
| २) चार चाकी वाहनांसाठी | ७. ५०% | ७. २५% | |||
| ड ) स्टाफ कॅश क्रेडिट | १०. ५०% | १०. २५% | |||
DICGC Assurance
The Hasti Co-Op Bank Ltd. is registered with DICGC.
Secured Assets possessed Under the SARFAESI Act 2002
Branches