Competitive Loan Rates: Lending Interest Rates
a. Repo Rate to be updated w.e.f 15.12.2025 as 5.25%
b. Markup: 2.85%
c. RLLR (w.e.f 15.12.2025) - 8.10%
d. The Effective Base Rate will be 10.00% with Effect from 15.08.2024 until further review
e. One Year MCLR w.e.f 15.12.2025 will be 8.80%
❱ HOUSING LOAN
Housing Loan Schemes: Andhra Pradesh Housing Loan Scheme, Subhagruha Gen Next, NRI Housing Loans: Gen Next, Housing Loan AHP TN, Housing Loan BLC TN, Subhagruha-Housing Loans, Housing Loan To NRI- HLNRI, Housing Loan Gharonda 2.0, MO Ghara -Odisha And Housing Loan AHP Karnakata (w.e.f 15.12.2025)
|
Term Loan |
Salaried |
Non-Salaried |
||
|
Risk Grade |
Interest RATE |
ROI |
Interest RATE |
ROI |
|
CIC-1 (>= 800) |
RLLR - 1.00 |
7.10 |
RLLR - 0.90 |
7.20 |
|
CIC-2 (775 to 799) |
RLLR - 0.95 |
7.15 |
RLLR - 0.85 |
7.25 |
|
CIC-3 (750 to 774) |
RLLR - 0.65 |
7.45 |
RLLR - 0.55 |
7.55 |
|
CIC-4 (725 to 749) & NTC |
RLLR - 0.35 |
7.75 |
RLLR - 0.25 |
7.85 |
|
CIC-5 (700 to 724) |
RLLR - 0.25 |
7.85 |
RLLR - 0.15 |
7.95 |
|
CIC-6 (680 to 699) |
RLLR + 0.00 |
8.10 |
RLLR + 0.10 |
8.20 |
IOB HARIT SUBHAGRUHA
|
Term Loan |
Salaried |
Non-Salaried |
||
|
Risk Grade |
Interest Rate |
ROI |
Interest Rate |
ROI |
|
CIC-1 (>= 800) |
RLLR - 1.00 |
7.10 |
RLLR - 0.90 |
7.20 |
|
CIC-2 (775 to 799) |
RLLR - 1.00 |
7.10 |
RLLR - 0.90 |
7.20 |
|
CIC-3 (750 to 774) |
RLLR - 0.70 |
7.40 |
RLLR - 0.60 |
7.50 |
|
CIC-4 (725 to 749) & NTC |
RLLR - 0.40 |
7.70 |
RLLR - 0.30 |
7.80 |
|
CIC-5 (700 to 724) |
RLLR - 0.30 |
7.80 |
RLLR - 0.20 |
7.90 |
|
CIC-6 (680 to 699) |
RLLR - 0.05 |
8.05 |
RLLR + 0.05 |
8.15 |
❱ IOB Home Advantage: (w.e.f 15.12.2025)
| Individual | Term Loan | |
|
Risk Grade |
Interest RATE |
ROI |
|
CIC-1 (>= 800) |
RLLR + 0.65 |
8.75 |
|
CIC-2 (775 to 799) |
RLLR + 0.75 |
8.85 |
|
CIC-3 (750 to 774) |
RLLR + 0.90 |
9.00 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 1.15 |
9.25 |
|
CIC-5 (700 to 724) |
RLLR + 1.40 |
9.50 |
|
CIC-6 (680 to 699) |
RLLR + 1.65 |
9.75 |
❱ IOB Easy Plot
A. Upto 5 Years from Master Creation
| Term Loan | Salaried | |
| Risk Grade | Interest Rate | ROI at Present |
|
CIC-1 (>= 800) |
RLLR + 1.15 |
9.25 |
|
CIC-2 (775 to 799) |
RLLR + 1.25 |
9.35 |
|
CIC-3 (750 to 774) |
RLLR + 1.40 |
9.50 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 1.65 |
9.75 |
|
CIC-5 (700 to 724) |
RLLR + 1.90 |
10.00 |
|
CIC-6 (680 to 699) |
RLLR + 2.15 |
10.25 |
(This above interest Rates are valid upto 5 years from date of master creation, post which the interest rates will be switched over to table - B unless extended by the sanctioning authority for one more year)
B. After 5 years from Master Creation (Commercial Rate for the scheme if House construction is not completed)
| Term Loan | Salaried | |
| Risk Grade | Interest Rate | ROI at Present |
|
CIC-1 (>= 800) |
RLLR + 3.55 |
11.65 |
|
CIC-2 (775 to 799) |
RLLR + 3.60 |
11.7 |
|
CIC-3 (750 to 774) |
RLLR + 3.65 |
11.75 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 3.75 |
11.85 |
|
CIC-5 (700 to 724) |
RLLR + 3.95 |
12.05 |
|
CIC-6 (680 to 699) |
RLLR + 4.15 |
12.25 |
❱ IOB SURYA
| Individual | Interest Rate | ROI | Non-Individual | Interest Rate | ROI |
|
Loan Upto Rs. 2.00 Lakhs |
7% |
Irrespective of Loan Amount |
|
7% |
|
|
Loan Above Rs. 2.00 Lakhs |
|||||
|
Term Loan |
Individual |
|
|
|
|
|
Risk Grade |
Interest Rate |
ROI |
|
|
|
|
750 & Above |
RLLR + 0.50 |
8.6 |
|
|
|
|
700 to 749 |
RLLR + 1.15 |
9.25 |
|
|
|
|
680 to 699 |
RLLR + 1.65 |
9.75 |
|
|
|
IOB HL-Surya:
| IOB HL-Surya | ROI |
|
Loan Upto Rs. 2.00 Lakhs |
7% |
❱ OTHER HOUSING LOANS, MORTGAGE & LIQUIRENT LOAN
NRI HOUSING LOANS: TOP UP, LOAN AGST PROPERTY-HNI, LIQUIRENT, REVERSE MORTGAGE LOAN, Subhagruha Topup Loan, HOME IMPROVEMENT SCHEME & HOME DECOR LOANS
| Individual | Term Loan | |
| Risk Grade | Interest RATE | ROI |
|
CIC-1 (>= 800) |
RLLR + 1.55 |
9.65 |
|
CIC-2 (775 to 799) |
RLLR + 1.60 |
9.70 |
|
CIC-3 (750 to 774) |
RLLR + 1.65 |
9.75 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 1.75 |
9.85 |
|
CIC-5 (700 to 724) |
RLLR + 1.95 |
10.05 |
|
CIC-6 (680 to 699) |
RLLR + 2.15 |
10.25 |
Loan Against Property CC and CC-LIQUIRENT - AGAINST RENT
| Individual | Cash Credit | |
| Risk Grade | Interest RATE | ROI |
|
CIC-1 (>= 800) |
RLLR + 2.05 |
10.15 |
|
CIC-2 (775 to 799) |
RLLR + 2.10 |
10.20 |
|
CIC-3 (750 to 774) |
RLLR + 2.15 |
10.25 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 2.25 |
10.35 |
|
CIC-5 (700 to 724) |
RLLR + 2.45 |
10.55 |
|
CIC-6 (680 to 699) |
RLLR + 2.65 |
10.75 |
LOAN AGAINST PROPERTY-HNI and LIQUIRENT
| Non-Individual | Cash Credit | |
| Risk Grade | Interest RATE | ROI |
|
IOB1 or AAA |
RLLR + 1.55 |
9.65 |
|
IOB2 or AA |
RLLR + 1.60 |
9.70 |
|
IOB3 or A |
RLLR + 1.75 |
9.85 |
|
IOB4 or BBB |
RLLR + 1.95 |
10.05 |
|
IOB5 or BB |
RLLR + 2.55 |
10.65 |
Housing Loan-ELM
| Term Loan | Salaried | |
| Risk Grade | Interest RATE | ROI |
|
CIC-1 (>= 800) |
RLLR + 0.15 |
8.25 |
|
CIC-2 (775 to 799) |
RLLR + 0.40 |
8.50 |
|
CIC-3 (750 to 774) |
RLLR + 0.65 |
8.75 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 0.90 |
9.00 |
|
CIC-5 (700 to 724) |
RLLR + 1.15 |
9.25 |
|
CIC-6 (680 to 699) |
RLLR + 1.65 |
9.75 |
❱ VEHICLE LOANS
Vehicle Loan (Non-Electric): (w.e.f 15.12.2025)
| INDIVIDUAL-Four Wheeler | NON-INDIVIDUAL-Four Wheeler | ||||
| Risk Grade | Interest Rate | ROI | If External Rating is Available | ||
|
CIC-1 (>= 800) |
RLLR - 0.50 |
7.60 |
External Rating |
Interest RATE |
ROI |
|
CIC-2 (775 to 799) |
RLLR - 0.45 |
7.65 |
AAA to A |
RLLR - 0.50 |
7.60 |
|
CIC-3 (750 to 774) |
RLLR - 0.40 |
7.70 |
BBB |
RLLR + 0.70 |
8.80 |
|
CIC-4 (725 to 749) & NTC |
RLLR - 0.35 |
7.75 |
Below BBB |
Reject |
|
|
CIC-5 (700 to 724) |
RLLR - 0.25 |
7.85 |
If External Rating is Not-Available |
||
|
CIC-6 (680 to 699) |
RLLR + 0.50 |
8.60 |
ICON Rating |
Interest RATE |
ROI |
|
|
IOB 1 to IOB 3 |
RLLR - 0.50 |
7.60 |
||
|
IOB 4 & 5 |
RLLR + 0.70 |
8.80 |
|||
|
IOB 6 & BELOW |
Reject |
||||
| INDIVIDUAL-Two Wheeler | NON-INDIVIDUAL-Two Wheeler | ||||
| Risk Grade | Interest Rate | ROI | If External Rating is Available | ||
|
CIC-1 (>= 800) |
RLLR + 2.75 |
10.85 |
External Rating |
Interest RATE |
ROI |
|
CIC-2 (775 to 799) |
RLLR + 3.10 |
11.20 |
AAA to A |
RLLR + 2.75 |
10.85 |
|
CIC-3 (750 to 774) |
RLLR + 3.45 |
11.55 |
BBB |
RLLR + 6.25 |
14.35 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 4.55 |
12.65 |
Below BBB |
Reject |
|
|
CIC-5 (700 to 724) |
RLLR + 5.65 |
13.75 |
If External Rating is Not-Available |
||
|
CIC-6 (680 to 699) |
RLLR + 6.05 |
14.15 |
ICON Rating |
Interest RATE |
ROI |
|
|
|
|
IOB 1 to IOB 3 |
RLLR + 2.75 |
10.85 |
|
|
|
|
IOB 4 |
RLLR + 4.55 |
12.65 |
|
|
|
|
IOB 5 |
RLLR + 6.25 |
14.35 |
|
|
|
|
IOB 6 & BELOW |
Reject |
|
Vehicle Loan (Electric): (w.e.f 15.12.2025)
| INDIVIDUAL-Four Wheeler | NON-INDIVIDUAL-Four Wheeler | ||||
| Risk Grade | Interest Rate | ROI | If External Rating is Available | ||
|
CIC-1 (>= 800) |
RLLR - 0.55 |
7.55 |
External Rating |
Interest RATE |
ROI |
|
CIC-2 (775 to 799) |
RLLR - 0.50 |
7.60 |
AAA to A |
RLLR - 0.55 |
7.55 |
|
CIC-3 (750 to 774) |
RLLR - 0.45 |
7.65 |
BBB |
RLLR + 0.65 |
8.75 |
|
CIC-4 (725 to 749) & NTC |
RLLR - 0.40 |
7.70 |
Below BBB |
Reject |
|
|
CIC-5 (700 to 724) |
RLLR - 0.30 |
7.80 |
If External Rating is Not-Available |
||
|
CIC-6 (680 to 699) |
RLLR + 0.45 |
8.55 |
ICON Rating 1 |
INTEREST RATE |
ROI |
|
|
IOB 1 to IOB 3 |
RLLR - 0.55 |
7.55 |
||
|
IOB 4 & 5 |
RLLR + 0.65 |
8.75 |
|||
|
IOB 6 & BELOW |
Reject |
||||
| INDIVIDUAL-Two Wheeler | NON-INDIVIDUAL-Two Wheeler | ||||
| Risk Grade | Interest Rate | ROI | If External Rating is Available | ||
|
CIC-1 (>= 800) |
RLLR + 2.55 |
10.65 |
External Rating |
INTEREST RATE |
ROI |
|
CIC-2 (775 to 799) |
RLLR + 2.90 |
11.00 |
AAA to A |
RLLR + 2.55 |
10.65 |
|
CIC-3 (750 to 774) |
RLLR + 3.25 |
11.35 |
BBB |
RLLR + 6.05 |
14.15 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 4.35 |
12.45 |
Below BBB |
Reject |
|
|
CIC-5 (700 to 724) |
RLLR + 5.45 |
13.55 |
If External Rating is Not-Available |
||
|
CIC-6 (680 to 699) |
RLLR + 5.85 |
13.95 |
ICON Rating |
INTEREST RATE |
ROI |
|
|
IOB 1 to IOB 3 |
RLLR + 2.55 |
10.65 |
||
|
IOB 4 |
RLLR + 4.35 |
12.45 |
|||
|
IOB 5 |
RLLR + 6.05 |
14.15 |
|||
|
IOB 6 & BELOW |
Reject |
||||
❱ PERSONAL LOAN
| TERM LOAN | Category A | Category B | Category C | |||
| Risk Grade | Interest RATE | ROI | Interest RATE | ROI | Interest RATE | ROI |
|
CIC-1 (>= 800) |
RLLR + 2.15 |
10.25 |
RLLR + 2.50 |
10.60 |
RLLR + 3.00 |
11.10 |
|
CIC-2 (775 to 799) |
RLLR + 2.35 |
10.45 |
RLLR + 2.55 |
10.65 |
RLLR + 3.10 |
11.20 |
|
CIC-3 (750 to 774) |
RLLR + 2.50 |
10.60 |
RLLR + 2.75 |
10.85 |
RLLR + 3.25 |
11.35 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 3.45 |
11.55 |
RLLR + 3.65 |
11.75 |
RLLR + 4.15 |
12.25 |
|
CIC-5 (700 to 724) |
RLLR + 4.05 |
12.15 |
RLLR + 4.15 |
12.25 |
RLLR + 4.65 |
12.75 |
|
CIC-6 (680 to 699) |
RLLR + 4.90 |
13.00 |
RLLR + 5.15 |
13.25 |
RLLR + 5.55 |
13.65 |
❱ OTHER PERSONAL LOANS
| TERM LOAN: PRE APPROVED PERSONAL LOAN and PERSONAL LOAN SCHEME TOP UP LOAN | ||
| Risk Grade | Interest Rate | ROI |
|
CIC-1 (>= 800) |
RLLR + 2.15 |
10.25 |
|
CIC-2 (775 to 799) |
RLLR + 2.35 |
10.45 |
|
CIC-3 (750 to 774) |
RLLR + 2.50 |
10.60 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 3.45 |
11.55 |
|
CIC-5 (700 to 724) |
RLLR + 4.05 |
12.15 |
|
CIC-6 (680 to 699) |
RLLR + 4.90 |
13.00 |
| TERM LOAN: CLEAN LOAN TO LIC AGENTS | ||
| Risk Grade | Interest Rate | ROI |
|
CIC-1 (>= 800) |
RLLR + 2.50 |
10.60 |
|
CIC-2 (775 to 799) |
RLLR + 2.55 |
10.65 |
|
CIC-3 (750 to 774) |
RLLR + 2.75 |
10.85 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 3.65 |
11.75 |
|
CIC-5 (700 to 724) |
RLLR + 4.15 |
12.25 |
|
CIC-6 (680 to 699) |
RLLR + 5.15 |
13.25 |
| CASH CREDIT: CC LOAN TO LIC AGENTS and Cash Credit IOB ROYAL-LOANS TO HNI | ||
| Risk Grade | Interest Rate | ROI |
|
CIC-1 (>= 800) |
RLLR + 3.00 |
11.10 |
|
CIC-2 (775 to 799) |
RLLR + 3.05 |
11.15 |
|
CIC-3 (750 to 774) |
RLLR + 3.25 |
11.35 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 4.15 |
12.25 |
|
CIC-5 (700 to 724) |
RLLR + 4.65 |
12.75 |
|
CIC-6 (680 to 699) |
RLLR + 5.65 |
13.75 |
| TERM LOAN: Elite consumer Durable Loan and Consumer Durable Loan | ||
| Risk Grade | Interest Rate | ROI |
|
CIC-1 (>= 800) |
RLLR + 3.00 |
11.10 |
|
CIC-2 (775 to 799) |
RLLR + 3.10 |
11.20 |
|
CIC-3 (750 to 774) |
RLLR + 3.25 |
11.35 |
|
CIC-4 (725 to 749) & NTC |
RLLR + 4.15 |
12.25 |
|
CIC-5 (700 to 724) |
RLLR + 4.65 |
12.75 |
|
CIC-6 (680 to 699) |
RLLR + 5.55 |
13.65 |
❱ EDUCATION LOAN SCHEMES
| VIDYA JYOTHI | ||
| Type | Rate of Interest | Effective Rate |
|
INTEREST RATE FOR PUBLIC |
RLLR +1.65% |
9.75 |
|
INTEREST RATE FOR WARDS OF STAFF AND RETIRED STAFF |
RLLR +0.40% |
8.50 |
| CONCESSIONS | |
| DETAILS | CONCESSION |
|
GIRL STUDENT |
0.50% |
|
FOR INTEREST SERVICED DURING MORATORIUM |
1.00% |
|
STUDY IN INDIA |
|
|
INSTITUTES RANKED UP TO 20 |
1.50% |
|
INSTITUTES RANKED FROM 21 TO 50 |
1.00% |
|
STUDY ABROAD |
|
|
INSTITUTES RANKED UPTO 100 |
1.50% |
|
INSTITUTES RANKED 101 TO 200 |
1.00% |
| VIDYA SURAKSHA | ||
| Type | Rate of Interest | Effective Rate |
|
LOAN ONLY UP TO Rs 7.50 Lakh |
RLLR +1.65% |
9.75% |
| VIDYA SHRESHT | ||
| Type | Rate of Interest | Effective Rate |
|
A RATED INSTITUTIONS |
RLLR -0.60% |
7.50% |
|
B RATED INSTITUTIONS |
RLLR -0.35% |
7.75% |
| IOB SCHOLAR | ||
| Type | Rate of Interest | Effective Rate |
|
LOAN UP TO Rs. 7.50 Lakh |
RLLR +2.20% |
10.30% |
|
ABOVE Rs. 7.50 lakhs UP TO Rs. 60 Lakh |
RLLR +3.20% |
11.30% |
|
IOB SCHOLAR TO STAFF WARD UP TO Rs. 60 Lakh |
RLLR +1.90% |
10.00% |
| Other Education Loan Schemes | ||
| Type | Rate of Interest | Effective Rate |
|
SKILL LOAN |
RLLR +1.50% |
9.60% |
|
VOCATIONAL LOANS |
RLLR +3.20% |
11.30% |
|
IOB CAREER DREAM UPTO Rs. 2 Lakh BY LIQUID SECURITY |
RLLR +3.45% |
11.55% |
|
IOB CAREER DREAM ABOVE Rs. 2 Lakh SECURED BY IMMOVABLE |
RLLR +3.65% |
11.75% |
|
BIHAR STUDENT CREDIT CARD SCHEME UP TO Rs. 4.00 LAKH |
RLLR +2.20% |
10.30% |
❱ FIXED RATE OF INTEREST
| Sr. No. | Scheme | Fixed Rate Of Interest |
|
1 |
HOUSING LOANS |
11% |
|
2 |
HOME ADVANTAGE |
12% |
|
3 |
HOUSING LOAN TOP UP |
12% |
|
4 |
HOME DÉCOR |
13% |
|
5 |
HOME IMPROVEMENT |
12% |
|
6 |
VEHICLE LOAN (4 Wheeler) |
12% |
|
7 |
VEHICLE LOAN (2 Wheeler) |
13% |
|
8 |
PERSONAL LOANS |
14% |
|
9 |
PERSONAL LOAN TOP UP |
14% |
|
10 |
EDUCATION AND ALLIED SCHEMES |
13% |
|
11 |
LOAN AGAISNT PROPERTY |
13% |
|
12 |
EMI BASED JL |
11% |
|
13 |
LOAN AGAINST SGB(EMI BASED) |
12% |
|
14 |
LOAN AGAISNT NSC/KVP/LIC AND OTHER MIS LIQUID SECURITIES |
14% |
|
15 |
PENSIONER LOAN |
14% |
|
16 |
IOB SURYA |
14% |
- For Jewel Loan Information (Click here)
- For Jewel Loan Interest Rates (Click here)
Special Concession of 0.20% for HL Customers is being Discontinued with Immediate Effect.
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