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Rate of Interest on Loans
Interest Rate of Various BMB Loan Products
Marginal Cost of Funds based Lending rate (MCLR  shall be effective from 10th January, 2017)
Overnight 
1 month 
3 month 
6 month 
1 year 
3 year 
5 year 
More than 5 year 
8.20% 
8.25% 
8.30% 
8.35% 
8.40% 
8.60% 
8.70% 
8.80% 
“Base rate – 9.70% (with effect from 09th October 2015)
Product Wise Rate of Interest Chart
Taking into consideration the directions of ALCO, , with effect from 10.01.2017, the rates of interest have been revised as follows based on 1 Year MCLR ie 8.40% per annum :
i) ROI for Agriculture Loans:


Existing 
Revised 
S. No. 
PRODUCT NAME 
ROI PER ANNUM (based on MCLR for 1 Year 9.25 % per annum) 
ROI PER ANNUM 
based on MCLR for 1 Year i.e. 8.40 % per annum 

1. 
BMB MICRO CREDIT CARD 
MCLR+0.40% i e 9.65% 
MCLR+0.90% i e 9.30% 
2. 
BMB KRISHI CARD 
CASH CREDIT/CROP LOAN 

UP TO RS.3.00 LACS* 
MCLR+0.40% i e 9.65% 
MCLR+0.90% i e 9.30% 

*Eligible accounts under subvention scheme for short term loan up to Rs.3.00 Lacs will be charged @7.00% p.a. subject to Govt. of India Guidelines. 

ABOVE RS.3.00 LACS 
MCLR+1.65% i.e. 10.90% 
MCLR+2.15% i.e. 10.55% 

TERM LOAN 


UP TO RS.2.00 LACS 
MCLR+0.40% i.e.9.65% 
MCLR+0.90% i.e.9.30% 

ABOVE RS.2.00 LACS to RS.5.00 LACS 
MCLR+1.40% i.e. 10.65% 
MCLR+1.90% i.e. 10.30% 

ABOVE RS.5.00 LACS 
MCLR+2.40% i.e. 11.65% 
MCLR+2.90% i.e. 11.30% 

3. 
BMB MUDRA LOAN SCHEME 


SHISHU 
MCLR+0.40% i.e. 9.65% 
MCLR+0.90% i.e. 9.30% 

KISHORE* 
MCLR+1.40% i.e. 10.65% 
MCLR+1.90% i.e. 10.30% 

TARUN* 
MCLR+2.40% i.e. 11.65% 
MCLR+2.90% i.e. 11.30% 

*0.25% CONCESSION TO WOMEN 

4. 
BMB SELF HELP GROUP LOANS 
MCLR+2.40% i.e. 11.65% 
MCLR+2.90% i.e. 11.30% 
5. 
BMB JOINT LIABILITY GROUP SCHME 
MCLR+2.40% i.e. 11.65% 
MCLR+2.90% i.e. 11.30% 
6. 
BMB GRAMIN AWAS LOAN 
MCLR+0.40% i.e. 9.65% 
MCLR+0.90% i.e. 9.30% 
ii) ROI for Retail Loans:
S. No. 
PRODUCT NAME 
ROI PER ANNUM (Existing) 
ROI PER ANNUM (Revised) 
based on MCLR for 1 Year 8.40 % per annum 

7. 
BMB SHRINGAARLOAN FOR BEAUTY PARLOUR/SALOON/SPA 
(Upto 20 Lakhs) 
(Upto 20 Lakhs) 
(> 20 Lakhs Upto 50 lakhs) 

8. 
BMB ANNAPURNA LOAN 
MCLR+1.90% i e 11.15% 
MCLR+2.40% i e 10.80% 
9. 
BMB APNA GHAR HOME LOAN 


LOANS UP TO RS.100.00 LACS 
MCLR+0.40% i.e 9.65% 
MCLR+0.40% i.e 8.80% 

LOAN ABOVE RS.100.00 LACS 
MCLR+0.90% i.e 10.15% 
MCLR+0.90% i.e 9.30% 

10. 
BMB DREAM CAR LOAN 
MCLR+0.90% i.e 10.15% 
MCLR+1.40% i.e 9.80% 
11. 
BMB LOAN AGAINST PROPERTY 
MCLR+3.70% i.e 12.95% 
MCLR+4.20% i.e 12.60% 
12. 
BMB KITCHEN MODERNIZATION LOAN 
MCLR+2.40% i.e 11.65% 
MCLR+2.90% i.e 11.30% 
13. 
BMB PARVARISHLOAN FOR DAY CARE CENTRE 
MCLR+2.40% i.e 11.65% 
MCLR+2.90% i.e 11.30% 
14. 
BMB RENT LOAN 
MCLR+3.70% i.e 12.95% 
MCLR+4.10% i.e 12.60% 
15. 
BMB SARASWATI LOAN 
*1% concession for girl child 

LOAN UP TO RS.4.00 LACS 
MCLR+2.65% I e 11.90% 
MCLR+3.15% I e 11.55% 

>Rs.4.00 LACS to Rs.7.50 LACS 
MCLR+3.15% I e 12.40% 
MCLR+3.65% I e 12.05% 

>Rs.7.50 LACS 
MCLR+2.90% I e 12.15% 
MCLR+3.40% I e 11.80% 

16. 
BMB COMMERCIAL VEHICLE LOAN 


IF LOAN IS AWAILED FOR 3 YEARS 
MCLR+2.40% i.e 11.65% 
MCLR+2.90% I e 11.30% 

IF AVAILED FOR MORE THAN 3 YRS 
MCLR+2.90% I e 12.15% 
MCLR+3.40% I e 11.80% 

17. 
BMB HER AUTO 
FOR NONPOLLUTING VEHICLE (CNG, LPG, BATTERY DRIVEN etc.) 

UP TO RS.2.00 LACS 
MCLR+0.40% I e 9.65% 
MCLR+0.90% I e 9.30% 

ABOVE RS.2.00 LACS 
MCLR+1.15% I e 10.40% 
MCLR+1.65% I e 10.05% 


FOR POLLUTING VEHILCE (DIESEL, PETROL etc.) 

UP TO RS.2.00 LACS 
MCLR+0.65% I e 9.90% 
MCLR+1.15% I e 9.55% 

ABOVE RS.2.00 LACS 
MCLR+1.40% I e 10.65% 
MCLR+1.90% I e 10.30% 

18. 
BMB DOCTOR LOAN 


UP TO RS.1.00 CRORES 
MCLR+2.40% I e 11.65% 
MCLR+2.90% I e 11.30% 

ABOVE RS.1.00 CRORES 
MCLR+2.65% I e 11.90% 
MCLR+3.15% I e 11.55% 

19. 
BMB DOCTORS LOAN 


UP TO RS.100.00 LACS 
MCLR+2.40% I e 11.65% 
MCLR+2.90% I e 11.30% 

ABOVE RS.100.00 LACS 
MCLR+2.65% I e 11.90% 
MCLR+3.15% I e 11.55% 

20. 
BMB KAUSAL* 
MCLR+0.65% I e 9.90% 
MCLR+1.15% I e 9.55% 
21. 
BMB Two Wheeler Loan 
MCLR+3.40% i.e. 12.65% 
MCLR+3.90% i.e. 12.30% 
22. 
BMB EARNEST MONEY DEPOSIT SCHEME 
MCLR+3.40% i.e. 12.65% 
MCLR+3.90% i.e. 12.30% 
23. 
BMB Gold Loan 
If covered under agriculture then interest rate as per agriculture loan. 
If covered under agriculture then interest rate as per agriculture loan. 
iii) ROI for MSME Loans:
23. 
BMB SME EASY SCHEME 
BASED ON CREDIT RISK RATING 
S.No 
Rating 
Rating Grade 
Score Range 
Minimum Pricing 
Minimum Pricing 

Low 
BMB1 
93 100 
= MCLR + 0.90% 
= MCLR + 1.40% 

Low 
BMB2 
8592 
= MCLR + 1.40% 
= MCLR + 1.90% 

Medium 
BMB3 
7784 
= MCLR + 1.90% 
= MCLR + 2.40% 

Medium 
BMB4 
6976 
= MCLR + 2.40% 
= MCLR + 2.90% 

Medium 
BMB5 
6268 
= MCLR + 2.90% 
= MCLR + 3.40% 

Moderately high 
BMB6 
5461 
= MCLR + 3.65% 
= MCLR + 4.15% 

High 
BMB7 
4553 
= MCLR + 4.40% 
= MCLR + 4.90% 

Very high 
BMB8 
4044 
Noninvestment Grade 
NonInvestment Grade 

Hurdle Rate1 
BMB9 
3539 
NonInvestment Grade 
NonInvestment Grade 

Hurdle Rate2 
BMB10 
3035 
NonInvestment Grade 
NonInvestment Grade 
 0.25% concession for women MSME borrowers.
iv) ROI for Corporate Loans:
24. 
BMB SME EASY SCHEME 
BASED ON CREDIT RISK RATING 
no. 
Rating Scale 
Rating Grade 
Score Range 
Minimum Pricing MCLR 1 Year (9.25%) Existing 
Minimum Pricing MCLR 1 Year (8.40%) Revised 

Low 
BMB1 
93 100 
= MCLR + 2.50% 
= MCLR + 3.00% 

Low 
BMB2 
8592 
= MCLR + 3.00% 
= MCLR + 3.50% 

Medium 
BMB3 
7784 
= MCLR + 3.50% 
= MCLR + 4.00% 

Medium 
BMB4 
6976 
= MCLR + 4.00% 
= MCLR + 4.50% 

Medium 
BMB5 
6268 
= MCLR + 4.50% 
= MCLR + 5.00% 

Moderately high 
BMB6 
5461 
= MCLR + 5.25% 
= MCLR + 5.75% 

High 
BMB7 
4553 
= MCLR + 6.00% 
= MCLR + 6.50% 

Very high 
BMB8 
4044 
NonInvestment Grade 
NonInvestment Grade 

Hurdle Rate1 
BMB9 
3539 
NonInvestment Grade 
NonInvestment Grade 

Hurdle Rate2 
BMB10 
3035 
NonInvestment Grade 
NonInvestment Grade 
v) ROI for Public Sector Units linked to external rating:
RATING(ECR) 
Minimum Pricing 1 Year MCLR (9.25%) Existing 
Minimum Pricing 1 Year MCLR (8.40%) Revised 
AAA 
Applicable MCLR + 0.50% 
Applicable MCLR + 1.00% 
AA+ 
Applicable MCLR + 1.00% 
Applicable MCLR + 1.50% 
AA 
Applicable MCLR + 1.00% 
Applicable MCLR + 1.50% 
AA 
Applicable MCLR + 1.25% 
Applicable MCLR + 1.75% 
A+ 
Applicable MCLR + 1.25% 
Applicable MCLR + 1.75% 
A 
Applicable MCLR + 1.50% 
Applicable MCLR + 2.00% 
A 
Applicable MCLR + 1.75% 
Applicable MCLR + 2.25% 
BBB+ 
Applicable MCLR + 2.00% 
Applicable MCLR + 2.50% 
BBB 
Applicable MCLR + 2.50% 
Applicable MCLR + 3.00% 
BBB 
Applicable MCLR + 3.00% 
Applicable MCLR + 3.50% 