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* 24x7 NEFT Service available. ** Highest interest rate available for senior citizen. *** Interest rate on savings account is 4.00%. **** Locker Services are available on lowest rates. ***** Facility for PMSBY, PMJJBY & Atal Pension Yojna is available. ****** Apex Bank's branches are CBS enabled.
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TYPES OF LOANS & ADVANCES

 

Under the various schemes of direct financing  to individual borrowers  like loan for purchase/ construction of house, loan for purchases of vehicles, loan for purchase of consumer durables, cash credit limits to traders, loans against pledge of gold/silver ornaments, loan for higher education, personal loan, loan against mortgage of fixed assets, loan for visit, festival loan and loan for treatment are being provided through branches of Apex Bank. Short description is as under:-

 

Effective rate of Interest on Loans and Advance 

                                                    W.E.F.  27.02.2024 

Sr. No.

Types of Loan

CIBIL SCORE less than 700 and NTC SCORE less than 150

CIBIL SCORE 700 or more than above and NTC SCORE 150 or more than above

Credit Limit

Term Loan

Credit Limit

Term Loan

1

CONSUMER GOODS PURCHASE LOAN

-

10.00

-

9.50

2

VEHICLE LOAN

-

10.00

-

9.00

3

HOME LOAN

-

9.00

-

8.50

4

HIGHER EDUCATION LOAN

-

10.00

-

9.00

5

CASH CREDIT LIMIT AGAINST COLLATERAL SECURITY / CREDIT LIMIT TO TRADERS

11.00

-

10.50

-

6

PROJECT  LOAN

-

11.00

-

10.50

7

LOAN AGAINST PLEDGE OF ORNAMENTS 

-

10.00

-

9.00

8

PERSONAL LOAN

-

11.00

-

10.50

9

LOAN AGAINST MORTGAGE OF FIXED ASSETS 

-

9.00

-

8.50

10

TRAVEL  LOAN

-

11.00

-

10.00

11

FESTIVAL LOAN

-

11.00

-

10.00

12

MEDICAL LOAN

-

10.00

-

9.50

13

For regular Employees of the Government of India / State Government, Corporation / Board, all Cooperative Institutions, Nationalized Banks and for Employees of the Apex Bank -

a- Home Loan and Loan Against Mortgage of Fixed Assets

b- Loans under all other schemes

 

 

 

-

 

-

 

 

 

9.00

  

10.00

 

 

 

 

-

 

 -

 

 

 

8.50

 

9.00
 
 

ऋणग्रहिताओं को प्रदत्त ऋणों/साख सीमाओं की मय ब्याज पूर्ण राशि की वसूली पश्चात सुरक्षा हेतु बंधक चल/अचल संपत्तियों के दस्तावेजों की वापिसी हेतु दिनांक 01.12.2023 से प्रभावशील प्रक्रिया।

 Note :-     

·       For more details, kindly go through Loan >>Non Agriculture loan >>Individual loan.