खुदरा अस्तियााँ वर्टीकल / RETAIL ASSET VERTICAL

Rate of Interest for Retail Lending Schemes w.e.f. 07.07.2025

EBLR as on Date is 8.25% i.e. RBI Repo Rate (5.50%) + Spread (2.75%)

1. HOME LOAN SCHEMES:

1.1. UNION HOME: Union Home/Repair & Renovation

ROI for Government / PSU

Loan Amount CIC Score LTV
Employees
Irrespective of Loan As per quantum
750 & above EBLR – 0.80% = 7.45%
amount wise LTV Norms

Applicable ROI category wise

Loan Salaried / Professional Non-Salaried
LTV
amount CIC Score
Male Female* Male Female*
800 & above EBLR - 0.80% = 7.45%
750 to 799 EBLR - 0.65% = 7.60%
700 to 749
EBLR+0.15% EBLR+0.10% EBLR+0.25% EBLR+0.20%
As per (Including
Irrespective = 8.40% = 8.35% = 8.50% = 8.45%
quantum -1 & 1 to 5)
of Loan
wise LTV EBLR+0.45% EBLR+0.40% EBLR+0.50% EBLR+0.45%
amount 650 to 699
Norms = 8.70% = 8.65% = 8.75% = 8.70%
600 to 649 EBLR + 1.25% = 9.50%
Below 600 EBLR + 1.75% = 10.00%
* The above benefit will be applicable, if the house is singly/jointly owned by female borrower.

1.2. UNION HOME - Commercial Real Estate (CRE-RH):

House ROI
Loan for 3rd House 0.25 % over & above the applicable ROI in Home Loan
Loan for 4th House onwards 0.75 % over & above the applicable ROI in Home Loan

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 1.3. HOME LOAN - Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0)

Applicable ROI category wise

Loan Salaried / Professional Non-Salaried
LTV
amount CIC Score
Male Female* Male Female*
800 & above EBLR - 0.80% = 7.45%
750 to 799 EBLR - 0.65% = 7.60%
700 to 749
As per EBLR+0.15% EBLR+0.10% EBLR+0.25% EBLR+0.20%
Irrespective (Including
quantum = 8.40% = 8.35% = 8.50% = 8.45%
of Loan -1 & 1 to 5)
wise LTV EBLR+0.45% EBLR+0.40% EBLR+0.50% EBLR+0.45%
amount 650 to 699
Norms = 8.70% = 8.65% = 8.75% = 8.70%
600 to 649 EBLR + 1.25% = 9.50%
Below 600 EBLR + 1.75% = 10.00%
* The above benefit will be applicable, if the house is singly/jointly owned by female borrower.

1.4. HOME LOAN - Economically Weaker Section (EWS), Low Income Group (LIG)
and Middle-Income Group (MIG): Urban Area

CIBIL Score Rate of Interest

800 & above EBLR+0.25% = 8.50%
750 to 799 EBLR+0.50% = 8.75%
700 to 749 EBLR+0.75% = 9.00%
650 to 699 & -1 & 1 to 5 EBLR+1.00% = 9.25%
Below 650 EBLR+1.25% = 9.50%

1.5. UNION HOME – UNION GREEN HOME

Applicable ROI category wise
Loan Salaried / Professional Non-Salaried
LTV
amount CIC Score
Male Female* Male Female*
800 & above EBLR - 0.80% = 7.45%
750 to 799 EBLR - 0.65% = 7.60%
700 to 749
As per EBLR+0.15% EBLR+0.10% EBLR+0.25% EBLR+0.20%
Irrespective (Including
quantum = 8.40% = 8.35% = 8.50% = 8.45%
of Loan -1 & 1 to 5)
wise LTV EBLR+0.45% EBLR+0.40% EBLR+0.50% EBLR+0.45%
amount 650 to 699
Norms = 8.70% = 8.65% = 8.75% = 8.70%
600 to 649 EBLR + 1.25% = 9.50%
Below 600 EBLR + 1.75% = 10.00%
* The above benefit will be applicable, if the house is singly/jointly owned by female borrower.

❖ Note – Additional 10 bps lower rate of interest shall be allowed from the date of receipt of
required Green- house/ project certificate at Bank/Branch

Additional Concession for Home Loans:

❖ Extra 5 bps concession should be provided in Home Loan to the borrower in case he/she
assigns the credit/term/life policy in favour of the Bank

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 1.6. Fixed Rate (for maximum 5 years)

Loan Amount Rate of Interest

Up to Rs.30 Lakh 11.40%
Above Rs.30 Lakh to Rs.50.00 Lakh 12.40%
Above Rs.50 Lakh to Rs.200 Lakh 12.65%

2. HOME LOAN- SMART SAVE:

Loan Salaried/Professional Non-Salaried

CIBIL Score LTV
Amount
Male Female* Male Female*

750 & above <=80

EBLR+0.05% = 8.30%
>80 &<=90
EBLR+0.30% EBLR+0.25% EBLR+0.35% EBLR+0.30%
From 700 to <=80
= 8.55% = 8.50% = 8.60% = 8.55%
749
& EBLR+0.35% EBLR+0.30% EBLR+0.40% EBLR+0.35%
>80 &<=90
-1 / 1 to 5 = 8.60% = 8.55% = 8.65% = 8.60%
Up to 30
Lakh EBLR+0.40% EBLR+0.35% EBLR+0.45% EBLR+0.40%
<=80
From 650 to = 8.65% = 8.60% = 8.70% = 8.65%
699 EBLR+0.45% EBLR+0.40% EBLR+0.50% EBLR+0.45%
>80 &<=90
= 8.70% = 8.65% = 8.75% = 8.70%
From 600 to <=80
EBLR+0.95% = 9.20%
649 >80 &<=90
<=80
Below 600 EBLR+1.45% = 9.70%
>80 &<=90
<=80
750 & Above EBLR+0.05% = 8.30%
>80 &<=90
From 700 to EBLR+0.40% EBLR+0.35% EBLR+0.45% EBLR+0.40%
<=80
749 = 8.65% = 8.60% = 8.70% = 8.65%
& EBLR+0.45% EBLR+0.40% EBLR+0.50% EBLR+0.45%
>80 &<=90
-1 / 1 to 5 = 8.70% = 8.65% = 8.75% = 8.70%
Above EBLR+0.50% EBLR+0.45% EBLR+0.55% EBLR+0.50%
30 Lakh <=80
From 650 to = 8.75% = 8.70% = 8.80% = 8.75%
699 EBLR+0.55% EBLR+0.50% EBLR+0.60% EBLR+0.55%
>80 &<=90
= 8.80% = 8.75% = 8.85% = 8.80%
From 600 to <=80
EBLR+1.10% = 9.35%
649 >80 &<=90
Below 600 <=80 EBLR+1.65% = 9.90%
* The above benefit will be applicable, if the house is singly/jointly owned by female borrower.

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3. UNION VEHICLE LOAN:

Reference Premium Effective ROI

Type of vehicle CIC score
Rate (D) (E) (D+E=F)
800 & Above EBLR -0.35% 7.90%
750 - 799 EBLR -0.15% 8.10%
731 - 749 EBLR 0.45% 8.70%
New 4-Wheeler
700-730
EBLR 0.75% 9.00%
-1 & 1 to 5
650-699 EBLR 1.25% 9.50%
below 650 EBLR 1.45% 9.70%
700 & above EBLR 3.10% 11.35%
New 2-Wheeler
below 700 EBLR 3.20% 11.45%
Old 4 - Wheeler 700 & above EBLR 3.60% 11.85%
(Not older than 3
below 700 EBLR 3.70% 11.95%
years)

❖ UNION GREEN VEHICLE LOAN:

Reference Premium Effective ROI

Type of vehicle CIC score
Rate (D) (E) (D+E=F)
800 & Above EBLR -0.45% 7.80%
750 - 799 EBLR -0.25% 8.00%
731 - 749 EBLR 0.35% 8.60%
New 4-Wheeler
700-730
EBLR 0.65% 8.90%
-1 & 1 to 5
650-699 EBLR 1.15% 9.40%
below 650 EBLR 1.35% 9.60%
700 & above EBLR 2.90% 11.15%
New 2-Wheeler
below 700 EBLR 3.00% 11.25%

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4. UNION EDUCATION LOAN:

4.1. UNION EDUCATION - INLAND STUDY / ABROAD STUDY / NRI STUDENT:

Covered under CGFSEL

Premium Effective ROI
Reference For Male For Female For Male For Female
Quantum of loan
Rate (D) Student Student Student Student
(E) (F) (D+E) (D+F)
Up to Rs.7.50 lakh EBLR 2.00% 2.00% 10.25% 10.25%

Not covered under CGFSEL

Premium Effective ROI
Reference For Male For Female For Male For Female
Quantum of loan
Rate (D) Student Student Student Student
(E) (F) (D+E) (D+F)
Up to Rs.4.00 lakh EBLR 3.25% 2.75% 11.50% 11.00%
> Rs.4.00 - Rs.7.50 lakh EBLR 3.00% 2.50% 11.25% 10.75%
Above Rs.7.50 lakh EBLR 2.10% 1.60% 10.35% 9.85%

4.2. UNION EDUCATION - PREMIER ABROAD:

❖ Rate of Interest for Cat ‘A’ Institute:

Quantum of Loan Collateral Coverage Rate of Interest Effective ROI

Up to Rs. 40 Lakh Without Collateral EBLR + 0.50% 8.75%
Up to Rs.150.00 50% Up to <100% Collateral EBLR+0.25% 8.50%
Lakh 100% and above Collateral EBLR% 8.25%

❖ Rate of Interest for Cat ‘B’ Institute:

Quantum of Loan Collateral Coverage Rate of Interest Effective ROI

Up to Rs. 30 Lakh Without Collateral EBLR + 0.75% 9.00%
Up to Rs.150.00 50% Up to <100% Collateral EBLR+0.50% 8.75%
Lakh 100% and above Collateral EBLR% 8.25%

4.3. UNION EDUCATION – SKILL DEVELOPMENT:

Premium Effective ROI

Reference For For For For
Quantum of loan Male Female Male Female
Rate (D)
Student Student Student Student
(E) (F) (D+E=G) (D+F=H)
Skill Development Loan without
EBLR 1.50% 1.50% 9.75% 9.75%
deviation to be covered under CGFSSD
Skill Development Loan with deviation if
EBLR 3.25% 2.75% 11.50% 11.00%
any & not covered under CGFSSD
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4.4. UNION EDUCATION – PM VIDYALAXMI:

Reference Rate Premium Effective ROI

Course Name (D) (D+E=F)
(E)
Union Education – PM VIDYALAXMI - I (AAA) EBLR -1.15% 7.10%
Union Education – PM VIDYALAXMI – I (AA) EBLR -0.90% 7.35%
Union Education – PM VIDYALAXMI – I (AA/A) EBLR -0.70% 7.55%
Union Education – PM VIDYALAXMI – I (BBB) EBLR 0.00% 8.25%
Union Education – PM VIDYALAXMI – I (BB) EBLR +0.50% 8.75%

➔ For Indian Institutes of Management (IIM) Special ROI@ (EBLR – 1.25%) i.e. 7.00% for the
financial Year 2025-26

4.5. UNION EDUCATION- NON-PM VIDYALAXMI (A) (Union Medicos)

❖ Special Scheme for Premier Medical Institutes:

Quantum of Loan Collateral Coverage Rate of Interest Effective ROI

Up to Rs. 40.00 Lakh Without Collateral EBLR+1.00% 9.25%

50% Up to <100% Collateral EBLR+0.75% 9.00%
Up to Rs.200.00 Lakh
100% and above Collateral EBLR+0.50% 8.75%

4.6. UNION EDUCATION – NON-PM VIDYALAXMI (A) (Union Special Education Loan Tier II)

Premium Effective ROI

Reference For Female

Scheme For Male /SC/ST/ For Male For Female
Rate (D)
(E) Minority (D+E=G) (D+F=H)
(F)
Union Education – NON-
PM VIDYALAXMI (A) EBLR 1.75% 1.25% 10.00% 9.50%

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5. UNION MORTGAGE:

Reference Premium Effective ROI

Type of Property CIC score
Rate (D) (E) (D+E=F)
800 & Above EBLR 1.30% 9.55%
Residential Property (Self 750 to 799 EBLR 1.50% 9.75%
occupied/tenanted);
700 to 749
Excluding Open Plots EBLR 2.30% 10.55%
-1 & 1 to 5
Below 700 EBLR 3.10% 11.35%
800 & Above EBLR 1.70% 9.95%
Non-Residential property but
750 to 799 EBLR 1.90% 10.15%
Self-occupied
commercial/industrial; 700 to 749
EBLR 2.70% 10.95%
Excluding open Plots -1 & 1 to 5
Below 700 EBLR 3.60% 11.85%

Non-Residential property 800 & Above EBLR 2.15% 10.40%

which are not self-occupied 750 to 799 EBLR 2.35% 10.60%
and Leased to third Parties, 700 to 749
Multi-tenanted EBLR 2.95% 11.20%
Commercial Building-; -1 & 1 to 5
Excluding Open plots. Below 700 EBLR 3.85% 12.10%

6. UNION MORTGAGE PLUS (TOP-UP):

❖ 0.75% above the ROI of Home Loan account against which Union Mortgage Plus loan is
extended without factoring concession.
❖ Borrowers with CIBIL Score of below 700 to be charged additional borrower risk premium
of 0.10%.
❖ In case of Staff Home loan borrowers, the applicable ROI for Union Mortgage Plus will be
0.75% above the applicable ROI on the Union Home Loan Scheme.

7. UNION REVERSE MORTGAGE:

Quantum of loan Rate of Interest (Fixed Rate)

Rs.1.00 Lakhs to Rs.100 Lakhs 11.30%

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8. UNION PERSONAL:
8.1. UNION PERSONAL:
Reference Premium Effective ROI
Schemes CIC score Rate (D) (E) (D+E=F)
700 & above EBLR 4.10% 12.35%
Union Personal - Under Tie-up
below 700 EBLR 4.20% 12.45%
700 & above EBLR 5.10% 13.35%
Union Personal – Under Non-Tie-up
below 700 EBLR 5.20% 13.45%
Union Personal- Non-Salaried 700 & above EBLR 6.10% 14.35%
Individuals below 700 EBLR 6.20% 14.45%

8.2. UNION PROFESSIONAL PERSONAL LOAN SCHEME:

Reference Premium Effective ROI
Schemes CIC score Rate (D) (E) (D+E=F)
Union Professional Personal – 700 & above EBLR 2.50% 10.75%
Salaried Under Tie-up below 700 EBLR 2.75% 11.00%
Union Professional Personal – 700 & above EBLR 3.00% 11.25%
Salaried Under Non-Tie-up below 700 EBLR 3.25% 11.50%
Union Professional Personal – Non- 700 & above EBLR 3.50% 11.75%
Salaried below 700 EBLR 3.75% 12.00%

8.3. UNION ASHIYANA PERSONAL LOAN SCHEME:

Reference Premium Effective ROI
Schemes CIC score Rate (D) (E) (D+E=F)
700 & above EBLR 2.50% 10.75%
Union Ashiyana Personal – Salaried
below 700 EBLR 2.75% 11.00%
700 & above EBLR 3.00% 11.25%
Union Ashiyana Personal – Non-Salaried
below 700 EBLR 3.25% 11.50%

8.4. UNION WOMEN PROFESSIONAL PERSONAL LOAN SCHEMES:

Rate of Interest Rate of Interest Effective

Quantum of loan CIC Score Effective ROI
(Salaried) (Non-Salaried) ROI
Up to Rs.50.00 700 & above EBLR+2.10% 10.35% EBLR+3.00% 11.25%
lakh Below 700 EBLR+2.25% 10.50% EBLR+3.25% 11.50%

9. UNION CASH:
❖ Special Scheme for pensioners/family pensioners:
Age at the time of Quantum of Reference Premium Effective ROI
Loan Loan Rate (D) (E) (D+E=F)
Up to 70 Years Rs.10.00 Lakh
Pensioner
Above 70 Years Rs.5.00 Lakh
EBLR 2.10% 10.35%
Family
Any age Group Rs.3.00 Lakh
Pensioner

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10. SRLGE-SPECIAL RETAIL LENDING SCHEME FOR GOVERNEMNT EMPLOYEE:

Loan Amount CIC Score LTV Applicable ROI category wise

Salaried/ Professional Non-Salaried
HOME LOAN-SRLGE
Male Female* Male Female*
750 & above EBLR-0.80% = 7.45%
From 700 to
749 EBLR+0.15% EBLR+0.10% EBLR+0.25% EBLR+0.20%
(Including As per = 8.40% = 8.35% = 8.50% = 8.45%
Irrespective -1 & 1 to 5) quantum
of Loan From 650 to EBLR+0.45% EBLR+0.40% EBLR+0.50% EBLR+0.45%
wise LTV
amount 699 Norms = 8.70% = 8.65% = 8.75% = 8.70%
From 600 to
EBLR+1.25% = 9.50%
649
Below 600 EBLR+1.75% = 10.00%
* The above benefit will be applicable, if the house is singly/jointly owned by female borrower.

Effective
Reference Premium
Type of Property CIC score ROI
Rate (D) (E)
(D+E=F)
Residential Property 800 & Above EBLR 1.20% 9.45%
(Self- 750 to 799 EBLR 1.40% 9.65%
occupied/tenanted); 700 to 749
Excluding Open Plots EBLR 2.20% 10.45%
-1 & 1 to 5
Below 700 EBLR 3.00% 11.25%
Non-Residential property 800 & Above EBLR 1.60% 9.85%
UNION
but Self-occupied 750 to 799 EBLR 1.80% 10.05%
MORTGAGE
commercial/industrial; 700 to 749
-SRLGE
Excluding open Plots EBLR 2.60% 10.85%
-1 & 1 to 5
Below 700 EBLR 3.50% 11.75%
Non-Residential property 800 & Above EBLR 2.05% 10.30%
which are not self- 750 to 799 EBLR 2.25% 10.50%
occupied like Hospital
Leased to third Parties, 700 to 749
EBLR 2.85% 11.10%
Multi-tenanted -1 & 1 to 5
Commercial Building-;
Below 700 EBLR 3.75% 12.00%
Excluding Open plots.

Where employer 750 & Above EBLR 2.10% 10.35%

undertaking is available 700 to 749 EBLR 2.20% 10.45%
650 to 699 EBLR 2.40% 10.65%
Less than 650 EBLR 2.70% 10.95%
Where employer 750 & Above EBLR 3.60% 11.85%
undertaking is not 700 to 749 EBLR 3.70% 11.95%
UNION available 650 to 699 EBLR 3.90% 12.15%
PERSONAL
Less than 650 EBLR 4.20% 12.45%
-SRLGE
Where salary account is 750 & Above EBLR 2.70% 10.95%
with our bank and
employer undertaking is 700 to 749 EBLR 2.80% 11.05%

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 not available but From 650 to
guarantee of another co- EBLR 3.00% 11.25%
699
employee is obtained.
One Co-employee will be
eligible to offer Less than 650 EBLR 3.30% 11.55%
maximum 1 guarantee.

11. UNION ROOF TOP SOLAR SCHEME (URTS):

URTS - PM Suryaghar: Muft

URTS-Composite URTS- Standalone
Bijli Yojna (PMSMBY)
CIC Score Floating ROI
750 & EBLR+1.00%
As applicable under Union EBLR-2.25 %
Above i.e. 9.25%
Home i.e. presently 6.00 %
EBLR+1.50%
Below 750
i.e. 9.75%

❖ Reset of Floating Interest Rate (Option to Switch over to a fixed rate of interest
from floating rate)

Borrower will have the option to switch to fixed rate of interest. It will be one- time
option available during the entire tenure of loan after payment of minimum 12 EMIs.
Borrower has to pay fixed charges for switching from floating to fixed rate of interest

The fixed rate of interest will be charged as under:

Product Applicable Rate of Interest

Home Loan (All Variants) 1.00% over the existing applicable floating interest rate as on
Vehicle Loan date of switch over
Mortgage Loan Note: Fixed rate will be reset after 5 years and the applicable
Personal Loan rate at the time of reset after 5 years would be 1% over the
Education Loan prevailing applicable floating rate of interest.

The switchover charges as on date of switchover shall be recovered as under:

Outstanding Amount Charge to be levied

Up to Rs.50.00 Lakh Rs.10000/-+GST
Above Rs.50.00 Lakh Rs.15000/-+GST

XXXXX

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 खुदरा अस्तियााँ वर्टीकल / RETAIL ASSET VERTICAL

INTEREST RATE RANGE ON LOANS GRANTED TO INDIVIDUALS

UNDER RETAIL LENDING

EBLR as on 30.06.2025 - 8.25% i.e. RBI Repo Rate (5.50%) + Spread (2.75%)

Interest Rate Range for

Sr No Type of Loan Mean Rate
Quarter Ended June 2025

1 Home Loan 7.35% to 9.75% 8.55%

2 Vehicle Loan 7.70% to 11.95% 9.82%

3 Education Loan 7.00% to 11.50% 9.25%

4 Mortgage Loan 9.45% to 12.10% 10.77%

5 Personal Loan 10.35% to 14.45% 12.40%

XXXXX

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