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Personal Banking- ADVANCES

Deposits | Advances

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ADVANCE AGAINST RBI RELIEF BONDS

Purpose	To meet personal/business needs and contingencies.
Eligibility	Individual(s) over 21 years of age with an assured income, including an NRI (subject to compliance with exchange control regulations, if any)
Security	The Relief Bonds must be endorsed/transferred to the Bank. Physical scrips must not be mutilated or damaged There should be no unauthorised corrections, alterations, cancellations, erasures, etc. Appropriate stamped agreements shall be obtained from the owners of the security and the borrowers.
Eligible Bonds	10% Relief Bonds 1995 · 9% Relief Bonds 1999 (Old & Demat) · 8.5% Relief Bonds 2001 (Demat) 8% Relief Bonds 2002
Margin	35% on bonds which are less than 2 years old 20% on bonds which are 2 years old or more. Margin may be reduced to 15% if the borrower chooses to repay the loan by way of monthly instalments.
Repayment	Periodical repayment is not compulsory. However, interest to be repaid as and when applied. The loan can be liquidated out of maturity proceeds of Bonds. Borrower may repay prematurely or repay through monthly instalments
Type Of Account	Term loan / current account overdraft.
Rate Of Interest	As per interest rate chart
Processing Fee	1.15% of the loan amount. Minimum Rs.100/-

SBBJ GOLD LOAN SCHEME
LOAN AGAINST PLEDGE OF GOLD ORNAMENTS

Purpose	A general purpose loan, against the collateral security of gold ornaments No advance should be granted against security of primary gold i.e. 24 carat gold bars and biscuits
Eligibility	A} Individual (s) who are over 21 years of age with a steady source of income including Bank’s employees and pensioners (for advances to agriculturists please refer to instructions issued by Agricultural Deptt.) Net monthly income Rs.3000/- in rural and semi-urban areas Rs.5000/- at other centres Net Annual Income: Rs. 35000/- (Rural/semi-urban) and Rs.50000/- for others Bonafide ownership of the ornaments offered for pledge
Loan Amount	8 times the net monthly income of salaried persons and pensioners (i.e. net of all deductions including actual monthly tax deduction at source) and two-thirds net annual income in case of others Minimum Rs.5, 000/- (Rural/semi-urban centers) Rs.10, 000/- at other centers. Maximum: Rs.3 lacs
Security weight, Valuation and margin	Loans are to be granted only against 22,20 & 18 carat gold ornaments. Advance Value of gold in gold ornaments can be ascertained from the branch. The weight of all extraneous matter such as wax, string, fastening etc. as well as precious stones is entirely ignored.
Genuineness and purity of ornaments	Certificate of purity and mass of gold is obtained from reputed local gold smith.
Repayment:	36 to 60 month,
Interest:	As per interest rate chart
Processing fees	1.15% of the limit sanctioned inclusive of service tax.

INTEREST RATES ON RETAIL ADVANCES AS ON 08.05.2006
S.N.	NAME OF THE SCHEME		EFFECTIVE RATE (% p.a.) MONTHLY COMPOUNDING		EFFECTIVE DATE
			Fixed	Floating
1	Housing Loan (Including SBBJ Realty, SBBJ FlexiLoan and NRI Housing Loan schemes)	Upto 5 years	9.50	9.00	08.05.2006
		Above 5 years and upto 10 years	10.00	9.25	08.05.2006
		Above 10 years and upto 15 years	-	9.25	08.05.2006
		Above 15 years	-	9.75	08.05.2006
2	Housing Loan Scheme for State Government Employees (any tenure)		7.75	8.50	15.05.2006
3	Earnest Money Deposit Scheme		9.75		08.05.2006
4	Car Loans NEW	Upto 3 years (Loan Rs.7.50 lacs & more)	8.50		08.05.2006
		Upto 3 years (Loans below Rs.7.50 lacs)	9.00		08.05.2006
		>3 years - 5 years	9.25		08.05.2006
		>5 years - 7 years	9.25		08.05.2006
	Car Loans OLD	Upto 3 years	11.50		08.05.2006
		>3 years	12.00		08.05.2006
5	Vishesh Vahan Yojna Vehicle loans to State Government Employees		9.00		08.05.2006
6	Mortgage Loan	Term Loan	11.00		08.05.2006
		Overdraft	11.25		08.05.2006
7	Education Loans	Upto Rs.4.00 lacs	11.25		08.05.2006
		Above Rs.4.00 lacs	12.25		08.05.2006
8	Special Loan Scheme for State Government Employees		10.50		08.05.2006
9	Special Loan Scheme for Power Sector employees		10.50		08.05.2006
10	Personal Loan	With Salary & Check off facility	12.00		08.05.2006
		With Check Off facility	12.50		08.05.2006
		Against PDCs	13.25		08.05.2006
11	Pensioner's Loan		10.75		08.05.2006
12	Loan for purchase of Consumer Durables		12.35		08.05.2006
13	Loans for purchase of Two wheelers		11.50		08.05.2006
14	SBBJ Rent Plus		11.25		08.05.2006
15	Nurses Plus		11.25		08.05.2006
15	Gold Loan (Repayment upto 30 months)	Upto Rs. 50000/-	9.00		08.05.2006
		Over Rs. 50000/- to Upto Rs. 2.00 lacs	10.00		08.05.2006
		Over Rs. 2.00 lacs and Upto Rs. 3.00 lacs	10.75		08.05.2006
	Gold loans for repayment over 30 months		11.25		08.05.2006
16	Loan against Shares and Debentures		11.25		08.05.2006
17	Loan for subscription to IPOs	Employees with salary a/c	11.25		08.05.2006
		Others on Credit scoring basis	13.25		08.05.2006
18	Loans against NSCs / KVPs / IVPs / RBI Bonds / LIC policy / SBI Life policy / SBI Magnum	Repayment upto one year	9.00		08.05.2006
		Repayment > one year & below 3 years	9.00		08.05.2006
		Repayment 3 years & below 6 years	9.50		08.05.2006
19	Loan against Units of UTI	Repayment upto one year	12.25		08.05.2006
		Repayment > one year & below 3 years	12.75		08.05.2006
		Repayment 3 years & below 6 years	13.25		08.05.2006
20	Advances against Bank’s own STDR/TDR/CTD (Domestic/NRE), third parties, Coop. Banks, NBFCs & other Scheduled Banks	For loans below Rs.1.00 crore	1.00% OVER TDR/STDR/CTD RATE		01.04.2006
		Loans for Rs.1.00 crore and above	0.50% OVER TDR/STDR/CTD RATE		01.04.2006

PROCESSING CHARGES ON VARIOUS PERSONAL SEGMENT LOAN SCHEMES
(Including service tax) w.e.f. 15.04.2006

ITEM	OUR EXISTING RATES	REVISED RATES
Housing Loan (including all variants) Upto Rs. 25000/- Above Rs. 25000/-	NIL Upto 0.55%	Nil 0.60%
Housing Loan to Rajasthan State Govt. Employees	Nil	Nil
SBBJ Mortgage Loan Scheme	1.10%	1.15%
SBBJ Car Loan Scheme	NIL	0.60%
Car loan to Rajasthan State Govt. Employees	Nil	Nil
SBBJ Personal Loan Scheme	1.10%	1.15%
SBBJ Educational Loan Upto Rs.4.00 lacs	NIL	NIL
> Rs.4.00 lacs	NIL	1.15%
Loan against RBI Relief Bonds	0.30%	1.15%
Loan against Gold Ornaments	1.10%	1.15%
SBBJ Rent Plus	0.55%	0.60%
Loan against Shares	-	1.15%
SBBJ Two Wheeler Loan Scheme	0.55%	1.15%
SBBJ Pension Loan Scheme	NIL	NIL
SBBJ Earnest Money Loan Scheme	0.55%	0.60%
SBBJ Nurses Plus	0.55%	0.60%

Last Updated on 23rd , Feb 2007
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