| Scheme Features | |
|---|---|
| Interest Rate: | Fully Secured - 11%, Not Fully Secured - 11.5% (3% concession to employees) |
| Default Rate: | 18% of EMI |
| Min. Amount: | No Minimum Amount |
| Max. Amount: | 25 Lakhs (Concession Max: 3 Lakhs to Employees) |
| Min. Period: | 12 Months |
| Max. Period: | 72 Months |
NB: Fully Secured Securities: FD Receipt, Policies, Non Prized Chitty Passbook, Gold, KVP, NSC. If Combined Security involves any Not Fully Secured security, interest as per Not Fully Secured security applicable.
| Scheme Features | |
|---|---|
| Interest Rate (General) : | 8.5% upto 10 Lakhs, 9.25% above 10 Lakhs (Employees: Upto 10,00,000/- @ 5.5%) |
| Default Rate: | 18% of EMI |
| Max. Amount: | 1 Crore |
| Min. Period: | 12 Months |
| Max. Period: | 360 Months /Attainment of 70 Years Of age |
| Other details | Purchase of land 7 Years, Contrsuction 30 Years, Maintanance 10 Years & Upto EMI Fixation 13.25% interest rate applicable |
| Scheme Features | |
|---|---|
| Interest Rate | 10.75% |
| Default Rate: | 13.25% |
| Max. Amount: | Use PBL Utility > |
| Min. Period: | No Minimum Period |
| Max. Period: | Upto Chitty Termination / Prize Money Due Date |
| Other details | Amount of PBL can also be acceped as Passbook security amount |
| Monthly Interest | Use NCL Calculator to find out the monthly Interest |
| Scheme Features | |
|---|---|
| Interest Rate | 11.25% (Chitty Tenure >50 months), 11.75% (Chitty Tenure <50 months) |
| Default Rate: | 13.50% (Chitty Tenure >50 months), 14.00% (Chitty Tenure <50 months) |
| Max. Amount: | 1 Crore |
| Min. Period: | No Minimum Period |
| Max. Period: | Upto Chitty Termination / Prize Money Due Date |
| Other details | Admissible Amount 50% of Sala,If 10% of chitty installmets remitted. |
| Scheme Features | |
|---|---|
| Interest Rate | 12% (Employees: 8%) |
| Default Rate: | 18% of EMI |
| Max. Amount: | 10 lakhs |
| Min. Period: | 6 Months |
| Max. Period: | 60 Months(Employees: 84 Months) |
| Other details | Eligible for salaried persons having net monthly pay above 10000 or self employed Professionals With Annual income more than 2 Lakhs |
| Scheme Features | |
|---|---|
| Interest Rate | General - 12%, Employees - 9% |
| Default Rate: | 14% |
| Max. Amount: | General - 30 lakhs, Employees:Concesion upto 2 Lakhs |
| Min. Period: | 12 Months |
| Max. Period: | 60 Months |
| Other details | For Home appliances max period 36 Months |
| Nature of Transaction | IT Section | Exemption Limit | Tax Rate |
|---|---|---|---|
| Interest on Deposits | 194A | ₹. 5,000 | 10% |
| Building Rent | 194-I(b) | ₹. 2,40,000 | 10% |
| Appraiser Fee | 194J | ₹. 30,000 | 10% |
| Valuation Fee | 194J | ₹. 30,000 | 10% |
| Advocates Fee | 194J | ₹. 30,000 | 10% |
| Contract Work-Individual | 194C | Single Payment-₹. 30,000, Cumulative Payment- ₹. 1,00,000 | 1% |
| Contract Work-Company/Firms | 194C | Single Payment-₹. 30,000, Cumulative Payment- ₹. 1,00,000 | 2% |
| Agents Commission | 194H | ₹. 15,000 | 5% |
| Prize Winning-Lucky Draw | 194B | ₹. 10,000 | 30% |
| Payment to NRI | 195 | No Limit | 31.2% |