Financial Year 2021-2022

Q1 FY 2021-22

   MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q1 2021-22 (Individual)
  Name of Scheme / Product Minimum (%) Maximum (%) Mean Rate (%)
  Home Loan Plus 10.5 12.08 11.21
  Utkarsh Grih Pragati 9.83 12.5 10.67
  Utkarsh Grih Pride 10.18 10.18 10.18
  Utkarsh Grih Sudhar 11 12.25 11.42
  Utkarsh Grih Suvidha 9.83 10.18 10.01
  Utkarsh Grih Unnati 10 10.6 10.37
  Home Loan 9.83 12.5 10.74
   
  BL Advantage 15 17 15.90
  LAP Advantage 9.5 15 12.42
  LAP BT Multiplier 11.5 13 12.00
  LAP LOW LTV 11 14 12.94
  LAP PRIME 9 9 9.00
  LAP Retail 10.75 21 14.01
  Personal Loans (PL) 14 18 17.29
  Small Business Loan 14 19 18.74
  Small Business Loan(UP To 5 L) 20 21 20.94
  MSME loans 9 21 15.32
   
  Grand Total 9 21 13.54

* Only individual borrowers has been considered

* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded

* Cases disbursed during Q1FY22 quarter has been considered

 

Q2 FY 2021-22

   MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q2 2021-22 (Individual)
  Name of Scheme / Product Minimum (%) Maximum (%) Mean Rate (%)
  Home Loan Plus 10 13.5 11.36
  Utkarsh Grih Aadhar 11.75 11.75 11.75
  Utkarsh Grih Pragati 9 13 10.62
  Utkarsh Grih Pride 10 10.1 10.03
  Utkarsh Grih Saral 10.5 10.5 10.50
  Utkarsh Grih Sudhar 11 11 11.00
  Utkarsh Grih Suvidha 10.5 10.5 10.50
  Utkarsh Grih Unnati 10 10.6 10.37
  Home Loan 9 13.5 10.68
   
  BL Advantage 17 18 17.13
  LAP Advantage 9.55 14 12.58
  LAP BT Multiplier 9.75 14 12.16
  LAP LOW LTV 11 14 12.98
  LAP Retail 9.5 21 14.05
  Loan for Purchase of Commercial Property (LPCP) 12 14 13.00
  Personal Loans (PL) 14 18 17.50
  Small Business Loan 14 19 18.39
  Small Business Loan(UP To 5 L) 14 21 19.25
  Utkarsh Lease Secure 10.25 10.25 10.25
  MSME loans 9.5 21 12.52
   
  Grand Total 9 21 12.52

* Only individual borrowers has been considered

* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded

* Cases disbursed during Q2FY22 quarter has been considered

 

Q3 FY 2021-22

   MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q3 2021-22 (Individual)
  Name of Scheme / Product Minimum (%) Maximum (%) Mean Rate (%)
  Home Loan Plus 8.25 13.25 10.83
  Utkarsh Grih Aadhar 12.25 12.25 12.25
  Utkarsh Grih Pragati 8.75 13 10.53
  Utkarsh Grih Pride 6.9 7.5 7.20
  Utkarsh Grih Saral 9 13 11.10
  Utkarsh Grih Sudhar 9 9 9.00
  Utkarsh Grih Suvidha 9 11 10.44
  Utkarsh Grih Unnati 7 11 9.66
  Home Loan 6.9 13.25 10.49
   
  BL Advantage 15 18 16.82
  LAP Advantage 11 14 12.83
  LAP BT Multiplier 12.5 13 12.88
  LAP LOW LTV 11 14 12.95
  LAP Retail 9.5 19 13.89
  Loan for Purchase of Commercial Property 11.5 13.5 12.67
  Personal Loans (PL) 14 18 17.32
  Small Business Loan 19 19 19.00
  Utkarsh Lease Secure 11 11 11.00
  MSME loans 9.5 19 14.04
   
  Grand Total 6.9 19 12.12

* Only individual borrowers has been considered

* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded

* Cases disbursed during Q3FY22 quarter has been considered

 

Q4 FY 2021-22

   MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q4 2021-22 (Individual)
  Name of Scheme / Product Minimum (%) Maximum (%) Mean Rate (%)
  Home Loan Plus 7.5 13 10.97
  Utkarsh Grih Pragati 6.75 13 10.40
  Utkarsh Grih Pride 6.75 9 7.54
  Utkarsh Grih Saral 10.5 11 10.83
  Utkarsh Grih Sudhar 10.5 10.5 10.50
  Utkarsh Grih Suvidha 9 11 10.25
  Utkarsh Grih Unnati 6.9 11 9.34
  Home Loan 6.75 13 10.26
   
  BL Advantage 15 18 16.59
  LAP Advantage 9.5 14 12.21
  LAP BT Multiplier 8 13 11.04
  LAP LOW LTV 10 14 12.88
  LAP PRIME 10 11.15 10.58
  LAP Retail 9.5 21 14.46
  Personal Loans (PL) 14 18 17.60
  Small Business Loan 14 19 17.13
  MSME loans 8 21 14.14
   
  Grand Total 6.75 21 12.36

* Only individual borrowers has been considered

* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded

* Cases disbursed during Q4FY22 quarter has been considered

 
 

Financial Year 2022-2023

Q1 FY 2022-23

   MEAN INTEREST RATE FOR LOAN PRODUCT OF MSME & HL FOR Q1 2022-23 (Individual)
  Name of Scheme / Product Minimum (%) Maximum (%) Mean Rate (%)
  Home Loan Plus 7.65 13 11.02
  Utkarsh Grih Aadhar 10.5 10.5 10.50
  Utkarsh Grih Pragati 7.5 13 10.51
  Utkarsh Grih Pride 7 11 8.94
  Utkarsh Grih Saral 12 12 12.00
  Utkarsh Grih Sudhar 10.75 10.75 10.75
  Utkarsh Grih Suvidha 9.5 10.25 9.92
  Utkarsh Grih Unnati 8.1 11 9.77
  Home Loan 7 13 10.48
   
  BL Advantage 13 18 16.25
  LAP Advantage 9.5 16 12.52
  LAP BT Multiplier 12 14 12.40
  LAP BT MULTIPLIER FOR EXISTING BORROWER 9.8 12 10.96
  LAP LOW LTV 10.5 14 12.88
  LAP PRIME 9 10 9.50
  LAP Retail 9.75 21 13.86
  LPCP 10.3 12 11.08
  Personal Loans (PL) 17 18 17.90
  Small Business Loan 16 21 18.75
  Utkarsh Lease Secure 10 10 10.00
  MSME loans 9 21 13.55
   
  Grand Total 7 21 12.07

* Only individual borrowers has been considered

* Staff Personal Loan, Employee Housing Loan ,Non-Individuals has been excluded

* Cases disbursed during Q1FY23 quarter has been considered

 
 
  Financial Year 2022-2023 - Q1
  Name of Scheme / Product Minimum (%) Maximum (%) Mean Rate (%)
  Utkarsh Gold Loan 11 19 15.10

* Aforesaid is excluding Employee gold loan

 
 
  Financial Year 2021-2022 - Q4
  Name of Scheme / Product Minimum (%) Maximum (%) Mean Rate (%)
  Utkarsh Gold Loan 12 17 16.15

* Aforesaid is excluding Employee gold loan