Interest Rates on Personal Segment Loan Products – Fixed
| Product Name | Interest Rate Range |
| Home Loan | |
| IB Home Loan | 9.25% to 9.45% |
| IB Home Loan (CRE) | 9.75% to 9.95% |
| Home Loan to Corporate Entity | |
| Home Loan to Corporate Entity | 8.80% to 10.30% |
| Plot Loan | |
| Plot Loan | 10.25% to 10.45% |
| IB Home Improve | |
| IB Home Improve | 9.75% to 9.95% |
| IB Home Enrich | |
| IB Home Enrich | 9.45% to 10.00% |
| Home Loan Plus | |
| IB Home Loan Plus | 9.75% to 10.15% |
| Ind Mortgage Loan | |
| Ind Mortgage (Term Loan) | 10.15% to 11.65% |
| Ind Mortgage (Overdraft) | 11.10% to 12.60% |
| Loan against Rent Receivables | |
| IB Rent Encash | 10.00% to 11.50% |
| IB Rental | 9.70% to 11.20% |
| IB Rental (CRE) | 10.20% to 11.70% |
| If the lessee(s) is(are) our Bank / PSB / Pvt. sector Bank / Reputed Financial Institution / Government Organization / PSU / Company & Firm (Externally rated “A” / equivalent and above), concession of 0.50% is application on effective ROI | |
| Education Loan | |
| Education Loan | 8.80*% to 11.45% |
| *Education Loan Premier Elite Category Institutions | |
| Vehicle Loan | |
| IB Vehicle Loan Fixed ROI | 9.80% to 9.55% |
| IB Vehicle Loan for Purchase of User Car $ | 10.85% to 12.95% |
| Vehicle Loan for Purchase of 2 Wheeler | 10.20% to 11.70% |
| Loan for Purchase of “Van / Minibus / Bus / Ambulance” to Institutions / Firms / PSU / Company / Hospitals | 10.05% to 10.70% |
| $ For vehicles purchased from certified pre owned cars like Authorized Dealer of Maruti True Value, Mahindra First Choice, Hyundai Promise, Toyota U Trust (supported by Quotation) discount of 0.25% is given on the applicable rates. | |
| Pre-approved Personal Loan | |
| Pre-approved Personal Loan to Pensioners, Salaried & Regular Income customers | 12.45% |
| PAPL to Self-employed Customers | 13.05% to 15.05% |
| Pre-approved Personal Loan to Home Loan customers | 11.05% |
| Clean Loan | |
| Non-Priority Term Loan for GMRA Premium | 10.05% to 10.00% |
| IB Saral | 10.65% |
| IB Professional | 10.30%-10.55% |
| IB Insta Cash | 10.30% |
| Salary Loan & IBCLS Plus | |
| Clean Loan to Salaried Class – Term Loan | 10.95% to 11.45% |
| Clean Loan to Salaried Class – Overdraft | 11.95% to 12.45% |
| Pension Loan | |
| Pension Loan | 11.20% to 11.45% |
| Jewel Loan | |
| Jewel Loan (Non-Priority) | 8.80% to 9.05% |
| OD against Gold Jewels | 9.95% to 10.45% |
| Other Retail Loans | |
| Loan / Overdraft against NSC/KVP/LIC Policy/RBI Relief Bonds | 10.05% |
