Sl.No
.Scheme Tenor-Particulars
OY
MCLRSpread
LT Business
Strategy
Premium
Effective
Rate of
Interest
Loan repayable within 3 years 8.30 2.75 0.00 11.05
Loan repayable beyond 3 years 8.30 2.75 0.50 11.55
Dena Vehicle Loan Scheme (Four
Wheeler-Old)
Loan repayable within 3 years8.30 3.10 0.00 11.40
Limit upto Rs 75.00 lakh for Women / Defence Personnel
(women or defence personnel should be owner of the
property)8.30 0.00 0.00 8.30
Limit above Rs 75.00 lakh for Women / Defence Personnel
(women or defence personnel should be owner of the
property) 8.30 0.10 0.00 8.40
Limit upto Rs 75.00 lakh (Other Borrowers)
8.30 0.05 0.00 8.35
Limit above Rs 75.00 lakh (Other Borrowers)
8.30 0.15 0.00 8.45
Limit above Rs 30.00 lakh
Dena Top Up Housing Loan Scheme 8.30 1.00 0.5 9.80
Dena Top Up Premium Housing Loan
Scheme8.30 2.00 0.5 10.80
Loan repayable within 3 years 8.30 2.50 0.00 10.80
Loan repayable beyond 3 years 8.30 2.25 0.50 11.05
AAA rated-Loan repayable within 3 years 8.30 2.00 0.00 10.30
AAA rated-Loan repayable beyond 3 years 8.30 2.00 0.50 10.80
AA rated-Loan repayable within 3 years 8.30 2.35 0.00 10.65
AA rated-Loan repayable beyond 3 years 8.30 2.35 0.50 11.15
A rated-Loan repayable within 3 years 8.30 2.50 0.00 10.80
A rated-Loan repayable beyond 3 years 8.30 2.50 0.50 11.30
BBB rated-Loan repayable within 3 years 8.30 2.85 0.00 11.15
BBB rated-Loan repayable beyond 3 years 8.30 2.85 0.50 11.65
BB rated Corporate Borrowers and other Unrated borrowers
8.30 2.95 0.00 11.25
BB rated Corporate Borrowers and other Unrated borrowers8.30 2.95 0.50 11.75
2
RATE OF INTEREST ON RETAIL LENDING PRODUCTS W.E.F 01.03.2018
1
Dena Vehicle Loan Scheme
(Two Wheeler-New)
Dena Vehicle Loan Scheme (Four
Wheeler-New)-General
Term Loan
8.30 0.75 0.00 9.05
8.95
Dena Niwas Housing Finance (w.e.f
15.06.2017, Cir.No.67/08/2017-18)-
(Fixed-To be reset at the end of every
3 years)
Limit upto Rs 30.00 lakh
11.25
11.75
Dena Vehicle Loan Scheme (Four
Wheeler-New)-Women
Term Loan8.30 0.65 0.00
Dena Niwas Housing Finance
3
Dena Rent-Where Dena Bank is
tenant
Dena Rent-Where Dena Bank is not
tenant(Corporate Borrowers)
Sl.No
.Scheme Tenor-Particulars
OY
MCLRSpread
LT Business
Strategy
Premium
Effective
Rate of
Interest
Overdraft and loan repaybale within 3 years 8.30 1.70 0.00 10.00
AAA rated-Loan repayable within 3 years and Overdraft
Limit 8.30 1.85 0.00 10.15
AAA rated-Loan repayable beyond 3 years 8.30 1.85 0.50 10.65
AA rated-Loan repayable within 3 years 8.30 2.10 0.00 10.40
AA rated-Loan repayable beyond 3 years 8.30 2.10 0.50 10.90
A rated-Loan repayable within 3 years 8.30 2.60 0.00 10.90
A rated-Loan repayable beyond 3 years 8.30 2.60 0.50 11.40
BBB rated-Loan repayable within 3 years 8.30 2.70 0.00 11.00
BBB rated-Loan repayable beyond 3 years 8.30 2.70 0.50 11.50
BB and Unrated corporate borrowers-Loan repayable within
3 years 8.30 2.85 0.00 11.15
BB and Unrated corporate borrowers-Loan repayable
beyond 3 years 8.30 2.85 0.50 11.65
CC-Hypothecation and Loan repayable within 3 years 8.30 1.75 0.00 10.05
Loan repayable beyond 3 years 8.30 1.75 0.50 10.55
Tie Up with Corporate Salary Scheme(Fixed)
All other Cases
7Dena Senior Citizen Pensioner's
Scheme
Demand Loan8.30 3.25 0.00 11.55
CC-Hypothecation and Loan repayable within 3 years 8.30 2.00 0.00 10.30
Loan repayable beyond 3 years 8.30 1.50 0.50 10.30
CC-Hypothecation and Loan repayable within 3 years 8.30 1.75 0.00 10.05
Loan repayable beyond 3 years 8.30 1.25 0.50 10.05
Upto Rs 3.00 lakh-Fixed
Above Rs 3.00 lakh and upto Rs 100.00 lakh 8.30 3.30 0.00 11.60
Student admitted in Bank's approved Ed Institutions 8.30 0.00 0.00 8.30
Student admitted in A rated Ed Institutions 8.30 1.05 0.50 9.85
Student admitted in other Institutions 8.30 1.05 0.50 9.85
Skill Loan-Repayable withing 3 years 8.30 1.55 0.00 9.85
Skill Loan-Repayable beyond 3 years 8.30 1.05 0.50 9.85
Repayable withing 3 years and Working Capital Limits8.30 1.50 0.00 9.80
Repayable beyond 3 years8.30 1.50 0.50 10.30
Repayable withing 3 years and Working Capital Limits 8.30 1.25 9.55
Repayable beyond 3 years 8.30 1.25 0.50 10.05
Tie Up with Corporate Salary Scheme(Fixed)
All other Cases
1.20 0.50
4
Dena LAPS-Individuals10.00
12.00
5 Dena Trade Finance
6 Dena Suvidha13%
14%
8
Dena Doctor+(General)
Dena Doctor+Women
9 Dena Gold Loan
Dena LAPS-Corporate
Loan repayable beyond 3 years8.30
13%
14%
10 Dena Vidyalaxmi Education Loan
11
Dena Professionals Loan Scheme for
CA, C.S, CFA-General
Dena Professionals Loan Scheme for
CA, C.S, CFA-Women
12 Dena Consumer Loan