In terms of the festive offer under retail lending schemes, process fee waiver / concession has been extended w.e.f. 28.09.2012 to 31.03.2013 as under:
Dena Niwas Housing Finance | Waiver of process fee |
Dena Auto Finance (Car Loan) | Waiver of process fee |
Dena Vidyalaxmi Edu. Loan | Waiver of process fee |
Dena Suvidha Personal Loan | 50% concession in process fee (0.50% of loan amt) |
Dena Consumer Durables Finance | 50% concession in process fee (i.e upto Rs.25,000/- : Rs.125/- and Above Rs.25,000 : Rs.250/-) |
Dena Trade Finance | 50% concession in process fee |
Dena Gold Loan | |
Upto Rs.50,000/- | Nil |
> Rs.50,000/- | 50% concession in process fee (0.375% of loan amt) |
Dena Doctor Plus | 50% concession in process fee (0.25% of loan amt. min.250/- and maximum Rs.25,000/-) |
Retail Lending Rates
BPLR - 15.75% w.e.f. 04.08.2011
Base Rate - 10.25% w.e.f. 09.02.2013
The above rates are subject to revision from time to time and applicable Term Premium and Risk Premium is applied based on the Credit Rating of the borrower.
Base Rate Calculation
The Base rate is computed by using the following parameters:
1. Average of Card rate of 1 year tenor & Cost of Deposit of Preceding 3 months.
2. Negative Carry on maintaining Statutory Liquidity Ratio (SLR) and Cash Reserve Ratio (CRR).
3. Unallocatable Overhead Cost as a percentage of Total Liabilities.
4. Expected Rate of return on Net Worth.
The Final lending rates have been arrived at by adding borrower specific charges, tenor premium, credit risk premium to the Base Rate.
The Base rate is reviewed / revised by the Bank at least once in a quarter.
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