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BPLR 

 
Home >> Interst Rates- Loans & Advances >> Corporate Rates
 
Existing borrowers have the option to continue with the existing BPLR System till expiry of their existing contract with the bank or shift to the Base Rate System for which they may contact the concerned branch. 
 
 
Tenor premium of 0.50% is to be added for arriving at interest rate in respect of loans repayable in 3 years & above.
 
1. (A) Agricultural Advances
 
Particular  BPLR System Base Rate System
a) Advances upto Rs. 50,000/-    
i) Agricultural production credit BPLR -0.75%

 

 

 

 

BR + 2.00%

ii) Agri. Term loans BPLR
iii) PNB Kalyani Card BPLR -1.00%
b) Advances over Rs. 50,000/- but upto Rs.2 lakh  BPLR
c)   Advances over Rs.2 lakh but upto Rs.20 lakh BPLR
d) Advances over Rs.20 lakh As per credit risk rating As per credit risk rating
Credit Risk Rating BPLR System Base Rate System
AAA BPLR

 

 

BR + 2.00%

AA BPLR + 0.50%
A BPLR + 1.00%
BB BPLR + 1.50% #
B BPLR + 2.00% # BR + 5.00% ##
C BPLR + 2.00% # BR + 5.00% ##
D BPLR + 2.00% # BR + 5.00% ##

# Financing under Capital Investment Subsidy Scheme of National Horticulture Board for construction/ expansion/ modernization of cold storages and storages for horticulture produce, will continue @ BPLR + 1.00 for existing accs under BPLR system.

## Financing under Capital Investment Subsidy Scheme of National Horticulture Board (NHB)/National Horticulture Mission or any such Govt. Agency  for construction/ expansion/ modernization of cold storages and storages for horticulture produce (Subsidy through NHB) will continue @ base rate + TP till 31.03.2014.

Interest is 7% p.a. in the regular Corp loan/KCC accounts on running balance outstanding upto Rs. 3 lakh. On the irregular acccounts/outstanding beyond Rs. 3 lakh, normal rate of interest is to be charged. The above guidelines are applicable for the year 2010-11 also and are linked to the subventionas per GOI/RBI guidelines.  ( Please also refer PS & LB Divn. , HO circular issued in this  regard from timeto time.
Further in case of  financing  to  poultry units rate of interest  will be charged @  Base Rate +2.00%+ term premia (wherever applicable) w.e.f  01.04.2013  to existing  as well as  new accounts  having Credit Risk Rating ‘B’ and above  and shall be  applicable for accounts sanctioned/renewed up to 31.03.2014 and shall remain effective till next renewal/review in case of  working capital and in term loan till it is reviewed by the Bank.
 
1. ( B) Micro & Small Enterprises Advances ( MSE) including Trading Advances covered under MSME Act
  BPLR System Base Rate System
a) Advances upto Rs. 50,000/-    
i) Micro Enterprises BPLR -1.00% BR + 2.00%
ii) Small Entp. BPLR -0.50% BR + 2.50%
b) Advances over Rs. 50,000/- but upto Rs.2 lakh BPLR BR + 3.00%
c) Advances over Rs.2 lakh but upto Rs.20 lakh BPLR BR + 3.00%
d) Advances over Rs.20 lakh As per credit risk rating As per credit risk rating
Credit Risk Rating BPLR System Base Rate System
Above Rs. 20 lakh to less than Rs. 5.00 crore Rs. 5.00 crore to less than Rs. 50.00 crore Rs. 50.00 crore & above
AAA BPLR BR + 3.00% BR + 3.00% BR + 2.25%
AA BPLR + 0.50% BR + 3.50% BR + 3.25% BR + 2.50%
A BPLR + 1.00% BR + 4.00% BR + 3.50% BR + 3.00%
BB BPLR + 1.50% BR + 4.50% BR + 4.25% BR + 3.75%
B BPLR + 2.00% BR + 5.00% BR + 5.00% BR + 4.50%
C BPLR + 2.00% BR + 5.00% BR + 5.00% BR + 5.00%
D BPLR + 2.00% BR + 5.00% BR + 5.00% BR + 5.00%

i. Advances to Micro & Small Enterprises under MSME category of borrowers enjoying fund based limits upto Rs. 25 lakh will be given concession of 75 bps in rate of interest.

 

ii. Concession in the interest rates is to be extended to MSME borrowers having CRISIL/SMERA/ICRA/ONICRA/CARE/BRICKWORK rating grades ranging from 1-3 out of total 8 rating grades. MSME borrowers falling in first two rating grades i.e. 1 & 2 may be given concession of 0.50% and borrowers rated in grade-3 may be given concession of 0.25% in interest rates for respective category of borrower(s).  However, it is to be ensured that at a time only one concession will be admissible to the borrowers having good rating of SMERA/ CRISIL/ICRA/ONICRA/CARE/BRICKWORK.

 

 1. (C) Trading Advances not covered under MSME Act

 
  BPLR System Base Rate System
i. Upto Rs.2 lac BPLR BR + 3.50%
ii. Above Rs. 2 lac & up to Rs.50 lac BPLR+1.00% BR + 4.00%
iii. Above Rs.50 lac As per Credit Risk Rating As per Credit Risk Rating 
AAA BPLR + 1.00% BR + 4.00%
AA BPLR + 1.50% BR + 4.50%
A BPLR + 2.00% BR + 5.00%
BB BPLR + 2.50% BR + 5.50%
B BPLR + 3.00% BR + 6.00%
C BPLR + 3.00% BR + 6.00%
D BPLR + 3.00% BR + 6.00%
 
1.(D) Doctors Loan
 
1.(D) Doctors Loan: PNB Sanjeevani -Scheme for financing Professionally Qualified Medical Practitioners
Base Rate System
Less than 3 yrs 3 yrs & above
BR + 3.00% BR + 3.00% + TP

1(E). Scheme for financing Service Sector – PNB SUPER TRADE(MSE)

 

Realizable value of collateral security of the aggregate limits:-

(i)     150% and above but < 200% - BR+3%

(ii)    200% and above - BR+2.50%

 
2. Tractor Loans
 
BPLR System Base Rate System
BPLR BR + 3.00%
 
3. (a) Financing under Capital Investment Subsidy Scheme for construction/ renovation/ expansion of rural godowns
 
BPLR System Base Rate System
BPLR BR + 3.00%

 On loans sanctioned upto 31.03.2014 eligible for agrculture category with risk rating B and above, intererst will be charged @ BR+TP till 31.03.2014.
 
3. (b) Advances for construction of Godowns as per FCI/CWC specifications
 
Particulars BPLR System Base Rate System
a) Upto Rs. 20 lakh/ exempted from credit risk rating BPLR BR + 3.00%
b) Advances over Rs. 20 lakhs As per credit risk rating As per credit risk rating
AAA BPLR BR + 3.00%
AA BPLR + 0.25% BR + 3.25%
A BPLR + 0.50% BR + 3.50%
BB BPLR + 0.75% BR + 3.75%
B BPLR + 1.00% BR + 4.00%
C BPLR + 1.50% BR + 4.50%
D BPLR + 2.00% BR + 5.00%
On loans sanctioned upto 31.03.2014 eligible for agrculture category with risk rating B and above, intererst will be charged @ BR+TP till 31.03.2014.
 
4. (a) Financing against pledge of warehouse receipts issued by CWC having forward sale contract with members/brokers of NMCE
 
Particulars BPLR System Base Rate System
(a)  Upto Rs.2 Lakh BPLR BR + 3.00%
(b)  Over Rs.2 Lakh BPLR + 1.00% BR + 4.00%
 
4. (b) Schemes for financing against pledge of warehouse receipts issued by Collateral Managers
 
Particulars BPLR System Base Rate System *

i) Loans upto Rs. 25 lakh to individual farmers [including Self Help Groups (SHGs) or Joint Liability Groups (JLGs) i.e. groups of individual farmers, provided banks maintain disaggregated data on such loans] engaged in Agriculture & allied activities and Corporates, Partnership firms and institutions engaged in Agriculture and allied activities.

  

  

 

 

 

Existing rates shall continue till adjustment

of the loan.

 

 

 

 

 

BR+1% #

(Minimum 11.50%)

  

ii) Loans to Micro & Small Enterprises including food and agro processing units under MSE, classified under priority sector advances.

  iii) Other advances – As per credit risk rating

  Credit Risk Rating

  Rate of interest (%) *

AAA

 BR + 1.00

 AA

 BR + 1.25

 A

 BR + 1.50

 BB

 BR + 2.00

 B

 BR + 3.00

  For C&D rated accounts interest rate as per Item No. 12 of Annexure-I to L&A Circular No.130 dated 30.12.2011 shall be applicable.

 * Inclusive of Collateral Management charges of 1% (0.75% CM charges and 0.25% Referral charges, wherever applicable). 

#Above rate of interest will be applicable on fresh loans sanctioned upto 30.09.2013 eligible under agriculture credit and all categories of MSEs classified under priority sector including food and agro processing units with risk rating B and above wherever applicable, till next renewal or adjustment of demand loan with a ceiling of maximum 12 months.

 
5. (a) Advances to Food and agro-based processing units i.e. Rice Sheller units /Cold Storage Units / Seed Processing Units / Flour Mills/ Oil Mills, and
(b) Advances to units engaged in Food and Agro processing activities like manufacturing/processing of Pulses, Dal, Suzi, Besan etc. & its allied activities provided that the advances are covered under Priority Sector in terms of PS&LB Division circular on Priority Sector Advances – Classification & Report issued from time to time)
 
Particulars BPLR System Base Rate System
1. Upto Rs. 20 lakh BPLR * BR + 3.00% **
2. Over Rs. 20 lakh As per credit risk rating As per credit risk rating
(*) Working capital limits upto Rs.50000/-, it will be BPLR minus 0.75% for existing accounts under BPLR system.
(**) Working capital limits upto Rs.50000/-, it will be @ Base Rate + 2.25%.
Credit Risk Rating BPLR System Base Rate System
AAA BPLR BR + 3.00%
AA BPLR + 0.25% BR + 3.25%
A BPLR + 0.50% BR + 3.50%
BB BPLR + 0.75% BR + 3.75%
B BPLR + 1.00% BR + 4.00%
C BPLR + 1.50% BR + 4.50%
D BPLR + 2.00% BR + 4.75%
 
6. (a) Advances under Self Help Group Scheme (SHGs)
 
Particulars BPLR System Particulars Base Rate System #
A) Upto Rs.50,000/- BPLR minus 0.75% Loans UPTO Rs. 3 Lacs BR + 2.00%
A i) Micro entp. (upto 50000/-) BPLR minus 1.00% *
B) Over Rs.50,000/- & Upto Rs. 2 lakh BPLR minus 0.25%
B i) Micro entp.over Rs.50,000/- & Upto Rs. 2 lakh BPLR minus 0.75% * Loans Above Rs. 3 Lacs BR + 2.50%
C)  Over Rs. 2 lakh BPLR
(*) In case of micro enterprises up to Rs. 50,000/- under SHGs, the rate will be BPLR minus 1% and above Rs.50000/- & upto Rs.2 Lacs, the rate of interest will be BPLR minus 0.75% for existing accs under BPLR system.

# Term Premium of 0.50 % to be added whereever applicable
 
6. (b) Scheme for financing Micro-Financing Institutions (MFIs) for on-lending to individual members or SHGs/JLGs
 
Credit Risk Rating BPLR System Base Rate System
AAA BPLR BR + 3.00%
AA BPLR + 0.50% BR + 3.50%
A BPLR + 1.00% BR + 4.00%
BB BPLR + 1.50% BR + 4.50%
 
6. (c) Scheme for Portfolio Buy Out of microfinance receivables/other receivables of MFIs / NBFCs under direct agriculture
 
Credit Risk Rating BPLR System Base Rate System
AAA BPLR –1.00% BR + 2.00%
AA BPLR –1.00% BR + 2.00%
A BPLR BR + 3.00%
BB BPLR + 1.00% BR + 4.00%
 
7. Financing Solar Water Heater Systems
 
BPLR System Base Rate System
12.50% 12.50%
 
8. Advances to Film Production/Entertainment Industry
 
Particulars BPLR System Base Rate System
a) Advances upto Rs. 2 lakh BPLR BR + 3.00%
b) Advances over Rs.2 Lakh but upto Rs.20 Lakh BPLR + 2.00% BR + 5.00%
c) Advances over Rs. 20 lakh As per credit risk rating As per credit risk rating
AAA BPLR BR + 3.00%
AA BPLR + 0.50% BR + 3.50%
A BPLR + 1.50% BR + 4.50%
BB BPLR + 2.00% BR + 5.00%
B BPLR + 2.75% BR + 5.75%
C BPLR + 3.25% BR + 6.25%
D BPLR + 3.50% BR + 6.50%
 
9. (a) Advances to Commercial Real Estate
 
Particulars BPLR System Base Rate System
    Commercial Real Estate - Residential Housing Commercial Real Estate - Others
a) Advances upto Rs. 2 lakh BPLR BR + 3.00% BR + 3.00%
b) Advances over Rs.2 Lakh but upto Rs.20 Lakh BPLR +3.50%  BR + 5.00% BR + 6.00%
c) Advances over Rs.20 lakh As per credit risk rating  As per credit risk rating As per credit risk rating
AAA BPLR + 1.50%  BR + 2.00%  BR + 3.00%
AA BPLR + 2.00%   BR + 3.00% BR + 4.00%
A BPLR + 3.00%  BR + 4.00%  BR + 5.00%
BB BPLR + 3.50%  BR + 5.00%  BR + 5.50%
B, C, D BPLR + 4.00%  BR + 6.00%  BR + 7.00%
 
9. (b) Advance against future lease rentals (CRE category)
 
Particulars Base Rate System
    Less than 3 yrs   3 yrs & above
Upto Rs.10 Lacs BR + 3.50% BR + 3.50% + TP
Above Rs.10 Lacs upto Rs.50 Lacs BR + 4.00% BR + 4.00% + TP
Above Rs.50 Lacs  upto Rs. 1 crore BR + 4.50% BR + 4.50% + TP
Above Rs.1 crore to Rs 10 crore BR + 4.50% BR + 4.50% + TP
Above Rs 10 crore to Rs 50 crore BR+3.00% BR+3.00%+TP
Above Rs 50 crore BR+2.50% BR+2.50%+TP
  

9. (C) Advance against future lease rentals (Non-CRE category)

  BPLR System Base Rate System
Particulars Less than 3 yrs 3 yrs & above Less than 3 yrs 3 yrs & above
Upto Rs.10 Lacs BPLR BPLR+0.50%+TP BR+3.00% BR+3.00%+TP
Above Rs.10 Lacs upto Rs.50 Lacs BPLR+1.00% BPLR+1.00%+TP BR+3.50% BR+3.50%+TP
Above Rs.50 Lacs upto Rs. 1 crore BPLR+1.50% BPLR+1.50%+TP BR+4.00% BR+4.00%+TP
Above Rs.1 crore to Rs 10 crore BPLR+2.00% BPLR+2.00%+TP BR+4.00% BR+4.00%+TP
Above Rs 10 crore to Rs 50 crore BPLR+2.00% BPLR+2.00%+TP BR+2.50% BR+2.50%+TP
Above Rs 50 crore BPLR+2.00% BPLR+2.00%+TP BR+2.00% BR+2.00%+TP
 
In case of accounts under BPLR system the existing rates shall continue. However, in accounts sanctioned before 03.01.2009, interest will not be charged below 13.50% even in case of downward revision in BPLR.
 
10. Financing against assured future receivables (PNB Cash Flow Discounting)
 
Particulars BPLR System Base Rate System
(a) Upto Rs.20 Lakh BPLR BR + 3.00%
(b) Over Rs.20 Lakh As per credit risk rating applicable to borrowers as defined in Para No.12 As per credit risk rating applicable to borrowers as defined in Para No.12
 
11. (a) Financing under Supply Chain Scheme
 
Particulars BPLR System Base Rate System
(a) Bill Dis-counting Facility BPLR BR + 3.00%
(b) Overdraft BPLR + 1.00% BR + 4.00%
 
11. (b) Financing dealer for purchase of vehicles from RMCs
 
BPLR System Base Rate System
BPLR minus 0.50% BR + 2.50%
 
12. Advances to ‘other categories of borrowers’ including NBFCs, Sugar units, Services Sector & advances to medium & large enterprises
 
The interest rates for Advances to borrowers, for which rates have not been specified elsewhere in the circular, shall be fixed as under:-
Particulars BPLR System Base Rate System
a) Advances upto Rs. 2 lakh BPLR BR + 3.00%
b) Advances over Rs. 2 lakh but upto Rs. 20 lakh On the basis of rating as per compliance of parameters given as below:
Score Rating BPLR System Base Rate System
90 & Above AA BPLR + 0.50% BR + 3.50%
80-89 A+ BPLR + 1.50% BR + 4.50%
70-79 A BPLR + 2.50% BR + 5.50%
Below 70 B BPLR + 3.50% BR + 6.50%

Advances over 2 lakhs to 20 Lakhs ND-SI-NBFCs:

BPLR System Base Rate System
BPLR + 3.50% BR + 6.50%

c) Advances over Rs. 20 lakh : Other categories of borrowers/ NBFCs


Internal Rating

External Rating

AAA AA A BBB BB B C Unrated

Rate of Intreest ( in %)

 
       
AAA BR BR BR BR+0.50 BR+1.00 BR+1.50 BR+2.25 BR+2.00
AA BR BR+0.25 BR+0.25 BR+0.75 BR+1.25 BR+1.75 BR+2.50 BR+2.25
A BR BR+0.25 BR+0.75 BR+1.25 BR+1.75 BR+2.50 BR+3.00 BR+2.75
BB BR+1.00 BR+1.25 BR+1.75 BR+2.25 BR+2.75 BR+3.25 BR+3.75 BR+3.50
B BR+2.00 BR+2.25 BR+2.75 BR+3.25 BR+3.75 BR+4.25 BR+4.75 BR+4.50
C BR+3.00 BR+3.25 BR+3.50 BR+4.00 BR+4.50 BR+4.75 BR+5.00 BR+4.75
D BR+4.00 BR+4.25 BR+4.50 BR+5.00 BR+5.50 BR+5.50 BR+6.00 BR+5.75
• As regards accounts exempted from the purview of Credit Risk Rating (viz. advances to Central/State Govt. Departments/Undertakings, which are not running on commercial basis or supported by Govt.), interest rate of BPLR + 1.00% will be applicable for accounts under BPLR AND interest rate of Base Rate + 4.00% will be applicable w.e.f. 1/07/2010 for accounts under Base Rate System
 
13. Adhoc Limits
 
In case of Adhoc limits, interest @ 2% above the normal interest rate applicable to the borrower be charged.
 
14. Transport Operators
 
Particulars BPLR System Base Rate System
a) Advances upto Rs. 50,000/-  

 

BPLR

  
 
i)   Micro Enterprises BR+2.00%
ii)  Small Enterprises BR+2.50%
b) Advances over Rs. 50,000/- but upto Rs.2 lakh   

 

BR+3.00%

c) Advances over Rs.2 lakh

BPLR+1.00%

 
15. Bank Premises
 
BPLR System Base Rate System
BPLR BR + 3.00%
Effective 30.7.94, in case of Term Loans sanctioned for Bank Premises, the contractual rate of interest stipulated at the time of sanction of the loan be charged and periodical revision of interest rates in such advances should not be made.
 
16. Exposure to Capital Market
 
Particulars BPLR System Base Rate System
(a)Advance against Shares/ Debentures BPLR + 3.50% BR + 6.50%
(b) Advances for IPOs/ESOP
IPO upto 90 days & ESOP BPLR + 1.50% BR + 4.50%
IPO (over 90 days) BPLR + 3.50% BR + 6.50%
 (c) Advance to Share & Stock Brokers including Margin Trading  BPLR + 1.50% BR + 4.50%
 
17. Advance Against:
 
Particulars BPLR System Base Rate System
a)Life Insurance Policies (LIP)/Postal securities (NSC/KVP/IVP)/RBI Relief Bonds    
I. Demand Loan BPLR BR + 3.00%
II. Overdraft BPLR + 0.50% BR + 3.50%
b)Other Govt. Securities, Bonds,Units ofMutual Fund, FDRs of PNB Subsidiaries, etc. BPLR + 0.50% BR + 3.50%
 
18. DRI Advances
 
4.00%
 
19. Clean Advances
 
BPLR System Base Rate System
BPLR + 3.50% BR + 6.50%
 
20. Advances Against Bank’s Own Deposits
 
Particulars Rate of Interest
Rupee Loans & Advances against Term Deposits standing in the name of Individual borrower (singly/jointly or as a guardian), including NRE deposits: 2% above the rate allowed on deposit
Rupee Loans & Advances against Term Deposits standing in the name of the borrower other than individuals e.g. Partnership Concerns, Societies, Trusts, Public/Private Ltd Cos etc). 2% above the rate allowed on deposit
Advances to Individual borrowers against third party term deposits including NRE deposits standing in the name of individuals or entities other than individuals e.g. Partnership Concerns, Societies, Trusts, Public/ Private Ltd Cos etc.


2% above the rate allowed on deposit subject to minimum of Base rate.

Rupee Loans & Advances to entities other than individuals e.g. Partnership Concerns, Societies, Trusts, Public/Private Ltd Cos etc. against third party Term Deposits including NRE deposits standing in the name of  individual or entities other  than individuals e.g. Partnership Concerns, Societies, Trusts, Public/ Private Ltd Cos etc.
Rupee Loans & Advances against FCNR(B) Deposits standing in the name of the borrower (singly/jointly or as a guardian) BR (10.25%)
Advances against third party FCNR(B) deposits BR+0.75% (11.00%)

In case of advances against balances held in Current/Savings accounts and premature cancellation of FCNR (B) deposits, Base Rate shall be charged. Other interest rates shall remain unchanged.



 
21. a) New Projects Established by Existing & Fresh Borrowers;
      b) Takeover of Accounts from Banks/FIs:-
 
The rates of interest for the above shall be applicable based upon the scheme and the segment under which advance has been made and the credit risk rating of the account.
 
22. Sick/Weak Units - EXISTING RATES TO CONTINUE
 
Particulars BPLR System
(a) Under Rehabilitation Interest as per package.
(b) Where rehabilitation is being considered or proposed As per item 12.
 
23. Intermediary Agencies
 
Particulars BPLR System Base Rate System
(a) Loans sanctioned upto 31.01.2000  
(i) Finance granted to Intermediary Agencies (excluding those for Housing)for on lending to Ultimate Beneficiaries and Agencies providing input support  BPLR BR + 3.00
(ii) Finance granted to Housing Finance Intermediary Agencies for on lending to Ultimate Beneficiaries BPLR BR + 3.00
(b)Term Loans sanctioned w.e.f. 01.02.2000 and Working Capital Advance to Intermediary Agencies (including Housing Finance Agencies) Minimum BPLR Minimum BR + 3.00
 
24. Discounting Of Bills
 
Tenor of the Bills backed by confirmed ILCs of approved banks BPLR System Base Rate System
Upto 90 days BPLR minus 3% BR + 0.50%
91 to 180 days BPLR minus 2% BR + 1.00%
181 days – upto less than 1 year BPLR + 1.25% BR + 1.50%
Bills not backed by ILCs Interest Rates as applicable to Working Capital Limits Interest Rates as applicable to Working Capital Limits
 
25. Rate structure under Refinance and Rediscounting Schemes
 
As Advised separately through L&A Circulars.
 
26. RUPEE EXPORT CREDIT
 
Particulars BPLR System Base Rate System
Pre-shipment Credit
(i) Upto 270 days
(ii) Against incentives receivable from Govt. covered by ECGC Guarantee (upto 90 days)
BPLR minus 2.50% BPLR minus 2.50% BR + 0.75% BR + 0.75%
Post-Shipment Credit:
(i) Demand bills for transit period (as specified by FEDAI)
BPLR minus 2.50% BR + 0.75%
(ii) Usance bills (For total period comprising usance period of export bills, transit period as specified by FEDAI and grace period, wherever applicable).Upto 180 days BPLR minus 2.50% BR + 0.75%
(iii) Overdue bills upto 180 days from the date of advance BPLR minus 2.50% BR + 0.75%
(iv) Against incentives receivable from Govt. covered by ECGC Guarantee (upto 90 days) BPLR minus 2.50% BR + 0.75%
(v) Against undrawn balance (upto 90 days) BPLR minus 2.50% BR + 0.75%
(vi) Against retention money (for supplies portion only) payable within one year from the date of shipment (upto 90 days) BPLR minus 2.50% BR + 0.75%
Deferred Credit:
Deferred credit for the period beyond 180 days.
BPLR + 3.50% BR + 6.00%
Export Credit Not Otherwise Specified (ECNOS):
(i) Pre-shipment Credit
(ii) Post-shipment Credit
BPLR + 3.50%
BPLR + 3.50%
BR + 6.00%
BR + 6.00%
 
27. Term Loans to Exporters (Over Rs. 2 lakh)
 
Particulars BPLR System Base Rate System
Sanctioned upto 31.01.2003 Sanctioned on or after 01.02.2003 As per terms of the sanction BPLR BR + 3.25%
 
28. Rate of Intt. for borrower having both external and internal rating of 'A' and above
 
Internal Rating External Rating
AAA AA A
AAA BR BR BR
AA BR BR+0.25 BR+0.25
A BR BR+0.25 No Change

 

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