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Rate of Interest Retail Loans
Rate of Interest structure as mentioned below. (RLLR- 9.30%)
1. Maha Super Housing Loan
Loan Amount | CIBIL score | Rate of Interest | |||
Salaried | Non Salaried | ||||
ROI | Eff. ROI (%) | ROI | Eff. ROI (%) | ||
Irrespective of Loan Amount | 800 & above | RLLR - 0.95 | 8.35 | RLLR - 0.85 | 8.45 |
750 to 799 | RLLR - 0.90 | 8.40 | RLLR - 0.80 | 8.50 | |
725 to 749 | RLLR - 0.50 | 8.80 | RLLR - 0.40 | 8.90 | |
700 to 724 | RLLR | 9.30 | RLLR + 0.20 | 9.50 | |
650 to 699 | RLLR + 0.50 | 9.80 | RLLR + 0.70 | 10.00 | |
600 to 649 | RLLR + 0.70 | 10.00 | RLLR + 0.90 | 10.20 | |
Below 600 | RLLR + 1.10 | 10.40 | RLLR + 1.60 | 10.90 | |
-1 to 05 /NTC | RLLR - 0.50 | 8.80 | RLLR - 0.30 | 9.00 | |
- The Rate of interest concession (including concession for women borrower) and any deviation will be applicable to borrower having CIBIL score below 725 slab only, subject to minimum floor Rate i.e. RLLR -0.80%. No interest rate concession / deviation & EMI waiver will be allowed to borrower category of CIBIL score above 725 & above.
- No Additional concessionin any form will be applicable in the scheme.
- Housing Loan to Salaried Employees ( Min Gross Monthly Salary Rs. 50000/-) of central Govt./State Govt./ Public Sector Undertaking / Govt. aided Education Institutions ( Not Routed through DSA) having CIBIL Score 700 & above, ROI will be RLLR-0.90% i.e 8.40%
2. Maha Super Flexi Housing Loan Scheme
- Additional 0.25% premium above applicable Rate of interest under Housing Loan Scheme.
3. Maha Super Green Building - (For Green Building)
- Concession of 0.10 % in the applicable ROI of Maha Super Housing Loan scheme subject to minimum floor Rate i.e. RLLR -0.70%
- No additional concession in any form will be applicable in the scheme.
For Housing Loan under commercial real estate
Particulars | Rate of Interest |
For Loan upto Rs 100.00 Lakhs | Premium of 100 bps over and above applicable Rate of Interest for normal Housing Loan based on CIBIL score |
For Loan above Rs 100.00 Lakhs | Premium of 125 bps over and above applicable Rate of Interest for normal Housing Loan based on CIBIL score |
4. Maha Bank Top Up Loan scheme for Repair & Renovation & Other purpose
ROI for Top up Loan for Repair and Renovation as well as for any other purpose will be 20bps higher than that of applicable of Maha Super Housing Loan scheme.
5. Maha Super Car Loan Scheme.
CIBIL score | Maha Super Car Loan Scheme (Revised) | |||
Salaried | Non- Salaried | |||
ROI | ER | ROI | ER | |
800 & above | RLLR - 0.60 | 8.70 | RLLR - 0.50 | 8.80 |
776 to 799 | RLLR - 0.40 | 8.90 | RLLR - 0.30 | 9.00 |
750 to 775 | RLLR - 0.30 | 9.00 | RLLR-0.20 | 9.10 |
700 to 749 | RLLR | 9.30 | RLLR + 0.20 | 9.50 |
650 to 699 | RLLR + 1.55 | 10.85 | RLLR + 1.75 | 11.05 |
600 to 649 | RLLR + 1.85 | 11.15 | RLLR + 2.20 | 11.50 |
Below 600 | RLLR + 2.60 | 11.90 | RLLR + 3.70 | 13.00 |
-1 or 0 and NTC | RLLR + 0.70 | 10.00 | RLLR + 2.20 | 11.50 |
For Firms / Companies
Category | Existing ROI | ROI | ER |
Firms / Companies External Rating A & above | New Slab | RLLR +0.50 | 9.80 |
Firms / Companies CMR Rating 1-5 | New Slab | RLLR +0.50 | 9.80 |
Others Firms / Companies | RLLR + 1.40 (i.e. 10.70%) | RLLR + 1.00 | 10.30 |
Concessions in ROI
- Up to 0.25% concession in applicable rate of interest will be given to existing Housing Loan / MSME & Corporate borrowers /corporate salary account holders/Professional & self-employed borrowers having minimum satisfactory standing of 1-year relationship with our Bank subject to lowest ROI, RLLR - 0.60
6. Maha Super Green Car Loan - (For Electric Car)
- 0.25% concession in Green Car loan (E vehicle) subject to minimum Floor Rate i.e.RLLR-0.60%
7. Maha Bank Vehicle Loan scheme (Two Wheeler & 2nd Hand Car Loan)
CIBIL score | ROI | Effective ROI |
750 and above | RLLR + 3.15 | 12.45 |
700 to 749 | RLLR + 3.50 | 12.80 |
650 to 699 | RLLR + 4.00 | 13.30 |
600 to 649 | RLLR + 5.00 | 14.30 |
Below 600 | RLLR + 6.00 | 15.30 |
-1 or 0 and 01 to 05 | RLLR + 4.00 | 13.30 |
8. Maha Bank Personal Loan scheme
A | Maha Bank Personal Loan scheme for Salaried Borrowers. Category -A. a) Salary Account with Bank of Maharashtra
b) Salary Account with Other Bank
Category -B. a) Salary Account with Bank of Maharashtra
b) Salary Account with Other Bank
Category -C.
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B | MAHA BANK PERSONAL LOAN SCHEME FOR PROFESSIONALS
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C | MAHA BANK PERSONAL LOAN SCHEME- for Business Class having Home Loan with us.
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Withdraw of salary account concession for category A borrower, maintaining salary account with us in the loan account on following scenario-
- If the salary credit process is not completed within 3 months of Disbursement of Loan, the Salary account concession shall be withdrawn & applicable Rate will be applied as per rate of interest for respective Category from retrospective date of disbursement.
- In the event of discontinuation of salary account with us, or the circumstances like change of job etc, where in salary is not credited by the employer to the salary account being maintained with our Bank, Bank shall withdraw the salary account concessional rate and the interest rate will be revised accordingly & applicable Rate will be applied as per rate of interest for respective Category of borrower from date of discontinuation of salary credit
9. Maha Bank Personal Loan scheme for payment of one-time Group Credit Life Insurance
ROI | Effective ROI |
RLLR + 1.50 | 10.80 |
10. Loan against Property-Individual
CIBIL Score | ROI | Effective ROI |
750 and above | RLLR + 1.65 | 10.95 |
700 to 749 | RLLR + 2.00 | 11.30 |
650 to 699 | RLLR + 2.15 | 11.45 |
600 to 649 | RLLR + 2.40 | 11.70 |
Below 600 | RLLR + 2.65 | 11.95 |
-1 or 0 and 01 to 05 | RLLR + 2.15 | 11.45 |
11. Model Education Loan Scheme
Loan amount | ROI | Effective ROI |
Up to Rs 7.50 Lacs | RLLR + 2.00 | 11.30 |
Above Rs 7.50 Lacs | RLLR + 1.65 | 10.95 |
12. Maha Scholar Education Loan Scheme
Classification | ROI | Effective ROI |
List A | RLLR + 0.15 | 9.45 |
List B (Up to 7.5 Lacs) | RLLR + 0.90 | 10.20 |
List B (above 7.5 Lacs) | RLLR + 0.65 | 9.95 |
List C (Up to 7.5 Lacs) | RLLR + 1.15 | 10.45 |
List C(above 7.5 Lacs) | RLLR + 0.90 | 10.20 |
13. Maha Scholar Overseas Education Loan Scheme
ROI | Effective ROI |
RLLR + 1.25 | 10.55 |
14. Skill Loan Scheme
ROI | Effective ROI |
RLLR + 1.50 | 10.80 |
15. Lease Rental Discounting –for Landlords
ROI | Effective ROI |
RLLR + 1.15 | 10.45 |
16. Maha Bank Adhaar Loan scheme
Particulars | ROI | Effective ROI |
For General Pensioners | RLLR + 1.70 | 11.00 |
For Defense & Staff Pensioners | RLLR + 1.20 | 10.50 |
17. Maha Bank Salary Gain Scheme
ROI | Effective ROI |
RLLR + 3.15 | 12.45 |
18. Maha Bank Consumer Loan Scheme
ROI | Effective ROI |
RLLR + 3.90 | 13.20 |
19. Loan against paper security
ROI | Effective ROI |
RLLR + 2.15 | 11.45 |
20. Reverse Mortgage Loan Scheme
ROI | Effective ROI |
RLLR + 1.15 | 10.45 |
21. Maha Bank Gold Loan Scheme -
Category | ROI | Effective ROI |
Retail | RLLR | 9.30 |
Agriculture | One Month MCLR | 8.10 |
Fixed Rate of Interest under Retail Loans
- Housing Loan (To be reset after 3 years only)
- Fixed Rate of Interest for under Maha Super Housing Loan Scheme
Loan amount | Rate of Interest |
Salaried / Non Salaried | |
Up to Rs 30 Lakhs | 11.35% |
Above Rs. 30 Lakhs to Rs 75 Lakhs | 12.35% |
Above Rs 75 Lakh to Rs 200 Lakhs | 12.55% |
- Fixed Rate of Interest for under Maha Super Green Housing Loan Scheme
Loan amount | Rate of Interest |
Salaried / Non Salaried | |
Up to Rs 30 Lakhs | 11.25% |
Above Rs. 30 Lakhs to Rs 75 Lakhs | 12.25% |
Above Rs 75 Lakh to Rs 200 Lakhs | 12.45% |
- Car Loan (To be reset after 3 years only)
- Fixed Rate of Interest for New Car Loan under Maha Super Car Loan Scheme
CIBIL score | Rate of Interest | ||
Salaried | Non Salaried | ||
ROI (%) | ROI (%) | ||
750 & above | 10.00 | 10.20 | |
700- 749 | 10.45 | 10.70 | |
NTC (100-200) /-1 | 10.45 | 10.70 | |
- Fixed Rate of Interest for New Car Loan under Maha Super Green Car Scheme (E Vehicle)
CIBIL score | Rate of Interest (E Vehicle) | |
Salaried | Non Salaried | |
ROI (%) | ROI (%) | |
750 & above | 9.90 | 10.10 |
700- 749 | 10.35 | 10.60 |
NTC (100-200) /-1 | 10.35 | 10.60 |
Switch over from floating to Fixed Rate or Fixed to floating Rate
- The option to switch over to a fixed rate will be given to the borrower to the maximum 2 times during the loan tenure.
- The CIC score of the borrower above 700 and there is no overdue in the loan account during the time of switchover.
- Service charges will be applicable for switchover as per Bank service charges guidelines.
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