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					Syndicate Bank HO:Manipal CO:Bangalore RATE OF INTEREST ON ADVANCES Prime Lending Rate (PLR) w.e.f. 17.01.2009 – 12.50% (* subject to change from time to time) A. STANDARD TABLE SHOWING FLOATING INTEREST RATES (MONTHLY COMPOUNDING) ON ADVANCES (OTHER THAN EXPORT CREDIT) LINKED TO PLR (WITH EFFECT FROM 1.04.2004). 1. Agriculture (i) Combined harvester, two, three, four wheeler, Tractor loans released on or after 1.11.2003 : Size of the credit limit Upto Rs.50000/Above Rs.50000/- and upto Rs.2.50 lakhs Above Rs.2.50 lakhs Interest Rate PLR minus 2.50% PLR minus 2.00% PLR minus 1.00%

Note: For loans released before 1.11.2003, interest rate as per 1(iii) below shall be charged (ii) Advances to Farmers’ Service Co-operative Societies : Size of the credit limit Upto Rs.50000/Above Rs.50000/- upto Rs.2 lakhs Above Rs.2 lakhs Interest Rate PLR minus 4.00% PLR minus 2.50% PLR minus 1.50%

(iii) All other agriculture advances: Size of the credit limit Interest Rate Upto Rs.50000/PLR minus 2.50% Above Rs.50000/- upto Rs.2 lakhs PLR minus 1.00% Above Rs.2 lacs Spread to be added to PLR Credit Rating of Borrower CR1 CR2 CR3 CR4 CR5 CR6 a. Term loans NA NA 0.00 1.00 1.50 1.75 b. Short TL / NA NA 0.00 1.25 2.00 2.00 Working Capital

NPA 2.00 2.00

NA- Not applicable since as per Simple method, there is no provision for CR-1 and CR-2 rating to agricultural advances. However, wherever “scoring model” is used, interest rate for CR 01 & CR 02 will be as applicable to CR 03.

Updated 05.11.2008

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Rate of Interest on Advances

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Micro / Small Enterprises: (Working Capital/Short term advances/term loans) Small Enterprises (Mfg.Sector) Service PLR -3.00 PLR – 1.50 PLR -1.50 PLR – 1.50

Size of Credit limit

Micro Enterprises (Mfg.Sector) Service Upto Rs.50000/PLR -3.50 PLR - 2.00 Above Rs.50000/- up to PLR -2.00 PLR -2.00 Rs.2.00 lakhs Above Rs.2.00 lakhs: A) MICRO ENTERPRISES Credit Rating of Borrower Above Rs.2 lacs

CR01 PLR-1

CR02 CR03 PLR - PLR -0.50 0.75

CR04 PLR

CR05 PLR+0.50

CR06 PLR +1.00

B) SMALL ENTERPRISES Credit Rating of Borrower Above Rs.2 lacs

CR01 PLR0.50

CR02 CR03 PLR - PLR 0.25

CR04 PLR+ 0.50

CR05 PLR 1.00

CR06 + PLR +1.50

3. Medium Enterprises: (Working Capital/Short term advances/term loans) Size of the credit limit Upto Rs.2 Lakhs Credit Rating of Borrower Above Rs.2 lacs Interest Rate PLR – 0.50 Spread to be added to PLR CR1 CR2 CR3 CR4 CR5 CR6 0.00 0.50 1.00 1.50 2.00 2.50

4. Finance granted to intermediary agencies for on lending to ultimate beneficiaries and agencies providing input support : (As per Cir. No. 230-2000-BC dated 20.12.2000) Interest Rate (a) Housing Intermediaries i) Advances granted on or before 02.05.1999 (unless PLR minus 0.50% otherwise advised to charge any particular interest rate in specific cases) ii) Advances granted on or after 03.05.1999 and upto PLR minus 0.01% 09.11.2000 iii) Advances granted on or after 10.11.2000 Spread to be added to PLR Credit Rating of the Borrower CR1 CR2 CR3 CR4 CR5 CR6 NP A Working Capital/Short term 0.00 1.00 1.50 2.00 2.50 3.00 3.00 advance/term loans (b) Other intermediary agencies (i) advances granted upto 9.11.2000 PLR minus1.50% (ii) advances granted on or after 10.11.2000

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Rate of Interest on Advances
Spread to be added to PLR CR1 CR2 CR3 CR4 CR5 CR6 1.00 1.50 2.00 2.50 3.00

Credit Rating of the Borrower

Working Capital/Short term 0.00 advances/term loans

NP A 3.00

5. Advances against third party deposits 6. Inland Bills upto 180 days of less than Rs. 50.00 lacs backed by LCs of Scheduled Banks 7. LC paid/ BG paid/ DPG installment paid (inclusive of overdue interest of 2.00%)

PLR

PLR

PLR+5.00%

8. For delayed period of remittance received in respect of bills under IDBI/SIDBI Bill Re discounting Scheme (including overdue interest of PLR+5.00% 2.00%)) 9. Housing Loan Scheme under Floating Interest option (SyndNivas, Farm House Loans & Golden Jubilee Rural Housing Finance) For Loan Amount upto Rs. 20 lakhs a. Repayment period upto 5 years b. Repayment period above 5 years and upto 10 years c .Repayment period above 10 years and upto 20 years d. Repayment period above 20 years and upto 25 years For Loan Amount above Rs. 20 lakhs and upto Rs.30 lakhs a. Repayment period upto 5 years b. Repayment period above 5 years and upto 10 years c .Repayment period above 10 years and upto 20 years d. Repayment period above 20 years and upto 25 years For Loan Amount above Rs. 30 lakhs a. Repayment period upto 5 years b. Repayment period above 5 years and upto 10 years c .Repayment period above 10 years and upto 20 years d. Repayment period above 20 years and upto 25 years 10. SyndNivas Fixed Interest Rate PLR minus 4.00% PLR minus 3.50% PLR minus 3.25% PLR minus 3.00% Interest Rate PLR minus 3.25% PLR minus 2.75% PLR minus 2.50% PLR minus 2.25% Interest Rate PLR minus 2.75% PLR minus 2.25% PLR minus 2.00% PLR minus 1.75% - 12% upto 5 years - 13% above 5 to 10 years

11. SyndNivas Plus - PLR 12. New Housing Loan Scheme:w.e.f.15.12.2008: (Not linked to PLR) For Loans up to Rs.5.00 lakhs : 8.50% For Loans above Rs.5.00 lakhs to Rs.20.00 lakhs: 9.25%

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Rate of Interest on Advances

13. SyndVidya (Education Loans) Upto Rs. 7.50 lacs Above Rs. 7.50 lacs 14. SyndVidyarthi 15. SyndSwarna A) Jewel Loans/OD i) Upto Rs.50,000/ii) Rs.50,000/- to Rs.3 lacs Interest Rate PLR minus 3.00% PLR minus 1.00% PLR PLR PLR+1.00% PLR+2.00% - PLR + 1.00% PLR minus 2.00% PLR minus 2.50% - PLR

- For Agriculture/SSI - For Others iii) Above Rs.3 lakhs (applicable for CR 02) For Agriculture/SSI For Others B) Jewel Loans/OD (Others) 16. SyndSwarna Express 17. Personal Banking Scheme Loans (a) For salaried class (clean) (i) if salary is credited at the Branch Loans / Overdraft

PLR+0.25%

(i) other salaried class (b) For non-salaried class

Loans / Overdraft

PLR+1.25%

- Secured PLR+1.25% - Unsecured PLR+1.25% (c) Loans against NSC, KVP, IVP,SV of LIC policy, RBI Relief bonds Loans PLR Overdrafts PLR (d) For purchase of Vehicles Two and Four Wheelers

Loans

PLR

(e) For purchase of consumer durables Loans (if Salary is credited at the Branch) Loans (for other salaried class)

PLR + 0.25% PLR + 1.25%

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Rate of Interest on Advances
Loans ( for non-salaried class) PLR + 1.25%

(f) For Agriculturists Secured Unsecured (g) Loans to Pigmy Agents Demand Loan Two wheeler Vehicle Loan Four wheeler 18. Synd Mahila 19. SyndMortgage Against Residential property Against Commercial property 20. SyndSenior 21. SyndPigmy 22. SyndVyapar Improved scheme 23. Synd Rent (irrespective of size of advance) PLR + 2.00% PLR + 3.00% PLR PLR + 2.00% PLR PLR + 2.00% PLR + 2 .00% PLR + 3 .00%

---

PLR + 2.50% PLR + 2.50% PLR

- PLR (floating) - PLR

24. All other Non-Priority Sector personal loans/advances

25. All Others not covered under 1 to 23 above (Like Medium and Large Industry, Whole sale/Retail Trade/ Business, Professional & Self Employed, NBFCs, Other Real Estate ) (Working Capital/Short term advances/term loans) Up to Rs.2.00 lacs Credit Rating of the Borrower Above Rs.2 lakhs CR1 0.50 PLR Spread to be added to PLR CR2 CR3 CR4 CR5 CR6 1.00 1.50 2.00 2.50 3.00

NP A 3.00

Note: The above rates of interest are subject to change from time to time. <<<>>>

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