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Overdraft Unnati

Overdraft facility for meeting consumption requirement of individual

Product Features

Age

The borrower must be between 18 - 60 years. (Co-borrower is needed if age > 60 years)

Tenure

Loan tenure: 1 year

Eligibility

  • Minimum land holding: 5 acres
  • Minimum ITR income: ₹7 lakhs

Loan amount

  • Minimum Amount: ₹1,00,001
  • Maximum Amount : ₹5 cr

Repayment period

Repayment - Monthly

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Other important details

Lending Rates

Loans linked to REPO rate

  • Rate of interest will be linked to Prevailing Repo Rate.
  • Customer rate/ pricing (ROI) shall be repo rate + spread.
  • Repo rate reset frequency- every 25th day of last month of each quarter.
  • The bank will publish the Repo Rate periodically on the bank's website.

For loans on base rate/MCLR/fixed rate

  • Existing loan on base rate/ MCLR/ fixed rate will continue to be at existing benchmark till renewal.
  • For fair practices code followed by the bank, please click here.
  • For brief details on all our products, please click here.

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