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/-)

रिटेल उधार दरें


बीपीएलआर - 15.75% w.e.f 04.08.2011

आधार दर - 10.25% w.e.f 09.02.2013

ऊपर की दर समय समय पर संशोधन के अधीन है और लागू टर्म प्रीमियम और जोखिम प्रीमियम को उधारकर्ता की क्रेडिट रेटिंग के आधार पर लागू होते हैं.




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.