Empowering communities since 1973, The Vijay Co-Operative Bank Ltd. is dedicated to serving the needs of its members.
| THE VIJAY CO-OPERATIVE BANK LTD. | |||||||
| Rate of Interet on Loan & Advances w.e.f. 19-06-2026 | |||||||
| Type of Loan | Margin | Terms (Period) | Credit Grade / Credit Score | Up to Rs. 10 Lakh | up to Rs. 50 Lakh | Above Rs. 50 Lakh | |
| Hypothecation Cash Credit | Stock- 25% | 12 Months (Renew) | VCB-A | 10.50% | 8.50% | 8.75% | |
| /Book Debt Cash Credit | Book Debt- 25% | VCB-B | 9.00% | 9.25% | |||
| VCB-C | 9.50% | 9.75% | |||||
| Secured Overdraft | 30% | 12 Months (Renew) | VCB-A | 10.50% | 9.50% | 9.25% | |
| VCB-B | 10.00% | 9.75% | |||||
| VCB-C | 10.50% | 10.25% | |||||
| Double Mortgage Cash Credit | 50% | 12 Months (Renew) | 10.50% | ||||
| Up to Rs. 50 Lakh | Above Rs. 50 Lakh | ||||||
| Secured Loan (WCTL) | 25% | 120 Months | 8.95% | 9.45% | |||
| Up to Rs. 50 Lakh | Above Rs. 50 Lakh | ||||||
| Mortgaged Loan | 50% | 120 Months | 9.95% | 10.95% | |||
| Up to Rs. 50 Lakh | Above Rs. 50 Lakh | ||||||
| Machinery Loan | 25% | 84 Months | 8.45% | 8.95% | |||
| Up to Rs. 50 Lakh | Above Rs. 50 Lakh | ||||||
| Professional Loan | 20% | 120 Months | 8.95% | 9.45% | |||
| (CA/CS/Dr./Eng. etc) | |||||||
| Builder Project Loan & LAP | 50% | 50 Months-Project Loan | 13.00% | ||||
| 120 Months- LAP | |||||||
| Up to Rs. 50 Lakh | Above Rs. 50 Lakh | ||||||
| Commercial Property Purchase | 25% | 120 Months | 8.95% | 9.95% | |||
| Loan | (Including Moratorium 6 Months (Max), in case of | ||||||
| (Shop/Office/Shed/Godown) | Under Construction Property) | ||||||
| Up to Rs. 50 Lakh | Above Rs. 50 Lakh | ||||||
| Fixed | Floating | Fixed | Floating | ||||
| Housing Loan | 0% | Max 240 Months | VCB-A | 7.95% | 7.70% | 8.45% | 7.95% |
| (100% of Sale | (Including Moratorium, | VCB-B | 8.20% | 7.95% | 8.95% | 8.45% | |
| Deed + Stamp | Maximum 18 Months or completion of Construction, | VCB-C | 8.45% | 8.20% | 9.20% | 8.70% | |
| Duty + Regi. Fee) | whichever is earlier) | VCB-D | 8.70% | 8.45% | 9.45% | 8.95% | |
| VCB-E | 8.95% | 8.70% | 9.70% | 9.20% | |||
| House Repairs and | 30% | 120 Months | 8.95% | ||||
| Renovation | |||||||
| (Upto Rs.10 Lakh, | |||||||
| With Mortgage) | |||||||
| Two Wheeler Loan | 20% | 48 Months | CIC-above 751 | 9.95% | |||
| (On Road Price) | CIC-above 651 | 10.95% | |||||
| CIC-above 501 | 11.95% | ||||||
| CIC-up to 501 | 13.00% | ||||||
| Up to Rs. 50 Lakh | Above Rs. 50 Lakh | ||||||
| Fixed | Floating | Fixed | Floating | ||||
| Four Wheeler Loan | 10% | 60 Months | VCB-A | 7.95% | 7.70% | 8.45% | 8.25% |
| VCB-B | 8.20% | 7.95% | 8.70% | 8.50% | |||
| (On Road Price) | VCB-C | 8.45% | 8.20% | 8.95% | 8.75% | ||
| VCB-D | 8.70% | 8.45% | 9.20% | 9.00% | |||
| VCB-E | 8.95% | 8.70% | 9.45% | 9.25% | |||
| Old Vehicle Loan | 50% of | 36 Months | 13.00% | ||||
| (Four Wheeler) | Valuation | ||||||
| Commercial Vehicle Loan | 30% | 48 Months | CIC-above 700 | 9.75% | |||
| (if RTO Registered, No Mortagege or UT Required) | (On Road Price) | CIC-above 600 | 10.00% | ||||
| CIC-up to 600 | 11.00% | ||||||
| Furniture & Fixture Loans | 25% | 60 Months | 9.50% | ||||
| (Upto Rs. 25 Lakh) | |||||||
| Uo to Rs. 20 Lakh | up to Rs. 25 Lakh | Above Rs. 25 Lakh | |||||
| Education Loan | 25% | 60 Months | 8.45% | 8.95% | 9.45% | ||
| (after Completion of Study | |||||||
| Solar Panel Roof Top Loan : | 25% | ||
| Residential (Upto 10 Lakhs) | 120 Months | 8.95% | |
| Commercial Purpose | 60 Months | 9.45% | |
| Advances against Government Securities : | |||
| Overdraft | 20% To 50% | 36 Months (Review) | 8.95% |
| Term Loan | up to Maturity Date | ||
| Unsecured Loan : | Max Rs. 4 Lakhs | 60 Months | 15.00% |
| Mahila Utkarsh Yojana Loan | Max Rs. 1 Lakhs | 60 Months | 8.95% |
| Distress Person Loan | Max Rs. 1 Lakhs | 60 Months | 10.95% |
| Fixed Deposit Overdraft (FDOD) | |||
| Self | 10% | up to Maturity Date | FD Rate + 1% |
| Third Party FDOD | 10% | up to Maturity Date | FD Rate + 2% |
| Bulk Deposit Advance | 5% | up to Maturity Date | FD Rate + 0.50% |
| (for Deposit more than 5 Cr) | |||
| NOTES: | |||
| 1.) Spread Includes Core Spread, Risk Premium and Business Adjustment Margins | |||
| 2.) In case of Advance against undertaking of Fixed Assets, ROI will be Normal Rate of Interest Plus 1% excluding solar panel rooftop loan3.) ROI for Greenfield Projects will be Normal ROI as applicable above Plus 0.50% | |||
| 4.) Secured Loan (Working Capital Term Loan-WCTL) to women against undertaking of existing mortgaged property upto 9 lakhs- ROI will be 8.45%. (Udyam Registration Mandatory, No Extra rate applicable for Undertaking) | |||
| 5.) Rate of Interest will be considered as per Total Sanction Amount per customer ID. | |||
| 6.) Udyam Registration Certificate is mandatory for all business loans. | |||
| 7.) Lowest CIC Score of the credit company will be considered if more than 2 credit score report are taken. | |||
| 8.) In case of CIC Score and CMR score, Poor (Lowest) Score will be considered for proprietorship concern. | |||
| 9.) In case of No Credit score or score upto 50, it shall be equivalent to 650 | |||
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