- THE VAIDYANATH URBAN CO-OP BANK LTD
| Loan and Advances Intrest rate (BoD Meet.30.06.2026 Res.No.15(14) -Circular No.696 Dtd.04.07.2026 | ||||
| Sr.No. | Loan Type | CR rating A | CR rating B | CR rating C |
| 1 |
Business Loan (Upto 28 Lacs) -Term Loan Business Loan (Upto 28 Lacs) -Term Loan |
11.00% 12.00%
12.00% 12.50% |
13.00% 14.00%
14.00% 14.00% |
13.00% 14.00%
14.00% 14.00% |
| 2 | Contractor Loan - Government Contractor (Escrow a/c Mandatory) |
14.00% | 16.00% | 16.00% |
| 3 | Housing Loan | |||
| - Up to Rs.25.00 Lakh | 09.00% | 11.00% | 11.00% | |
| - Above Rs.25.00 Lakh | 10.00% | 12.00% | 12.00% | |
| 4 | Vehicle Loan | |||
| - Up to Rs.20.00 Lakh | 10.00% | 12.00% | 12.00% | |
| - Above Rs.20.00 Lakh | 11.00% | 13.00% | 13.00% | |
| 5 | House Repare Loan | 14.00% | 16.00% | 16.00% |
| 6 | Gold Loan (TL) | 11.00% | ||
| Gold Loan (CC/OD) | 11.00% | |||
| 7 | Solar Loan | 11.00% | 14.00% | 14.00% |
| 8 | Doctor & Pharma Pluse Loan (Upto 200 Lacs) | 10.00% | 12.00% | 12.00% |
| Doctor & Pharma Pluse Loan (Above 200 Lacs) | 11.00% | 13.00% | 13.00% | |
| 9 | Education Loan | 12.00% | 14.00% | 14.00% |
| 10 | IBP (Govt. Security) | 16.00% | 16.00% | 16.00% |
| 11 | LC | 14.00% | 16.00% | 16.00% |
| 12 | Bill Discounting | 14.00% | 16.00% | 16.00% |
| 13 | LAPS Loan | |||
| - Up to Rs.2.00 Lakh | 14.00% | 16.00% | 16.00% | |
| - Above Rs.2.00 Lakh | 15.00% | 17.00% | 17.00% | |
| - Teachers & Professors | 11.00% | 12.00% | 12.00% | |
| 14 | Builder Loan - (Real Estate) | 13.00% | 15.00% | 15.00% |
| CIBIL Score & CMR not mandatory for below Loan Types : | ||
| Sr.No. | Loan Type | Intrest Rate |
| 1 | Gold Loan (Bullet Payment) - GL 11 | |
| - Agriculture & Eduction | 11.00% | |
| - Other | 11.50% | |
| Gold Loan - Term Loan : GL 278 | 11.50% | |
| Gold Loan - CC/OD : GL 8 | 11.00% | |
| 2 | FDR Loan | |
| - Up to Rs.15.00 Lakh | FD Int.+ 2 % Extra | |
| - Above Rs.15.00 Lakh | FD Int.+ 1 % Extra | |
| 3 | NCC/KVP/LIC Loan | 12.00% |
| 4 | Pigmy Loan | 12.50% |