Last Updated on: 22/12/2025
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a. Repo Rate to be updated w.e.f 15.12.2025 as 5.25%
b. Markup: 2.85%
c. RLLR (w.e.f 15.12.2025) - 8.10%
d. The Effective Base Rate will be 10.00% with Effect from 15.08.2024 until further review
e. One Year MCLR w.e.f 15.12.2025 will be 8.80%
❱ HOUSING LOAN
Housing Loan Schemes: Andhra Pradesh Housing Loan Scheme, Subhagruha Gen Next, NRI Housing Loans: Gen Next, Housing Loan AHP TN, Housing Loan BLC TN, Subhagruha-Housing Loans, Housing Loan To NRI- HLNRI, Housing Loan Gharonda 2.0, MO Ghara -Odisha And Housing Loan AHP Karnakata (w.e.f 15.12.2025)
Risk Grade
Interest RATE
ROI
CIC-1 (>= 800)
RLLR - 1.00
7.10
RLLR - 0.90
7.20
CIC-2 (775 to 799)
RLLR - 0.95
7.15
RLLR - 0.85
7.25
CIC-3 (750 to 774)
RLLR - 0.65
7.45
RLLR - 0.55
7.55
CIC-4 (725 to 749) & NTC
RLLR - 0.35
7.75
RLLR - 0.25
7.85
CIC-5 (700 to 724)
RLLR - 0.15
7.95
CIC-6 (680 to 699)
RLLR + 0.00
8.10
RLLR + 0.10
8.20
IOB HARIT SUBHAGRUHA
CIBIL Score
Salaried
Non-Salaried
RLLR - 0.70
7.40
RLLR - 0.60
7.50
RLLR - 0.40
7.70
RLLR - 0.30
7.80
RLLR - 0.20
7.90
RLLR - 0.05
8.05
RLLR + 0.05
8.15
❱ IOB Home Advantage: (w.e.f 15.12.2025)
RLLR + 0.65
8.75
RLLR + 0.75
8.85
RLLR + 0.90
9.00
RLLR + 1.15
9.25
RLLR + 1.40
9.50
RLLR + 1.65
9.75
❱ IOB Easy Plot
A. Upto 5 Years from Master Creation
RLLR + 1.25
9.35
RLLR + 1.90
10.00
RLLR + 2.15
10.25
(This above interest Rates are valid upto 5 years from date of master creation, post which the interest rates will be switched over to table - B unless extended by the sanctioning authority for one more year)
B. After 5 years from Master Creation (Commercial Rate for the scheme if House construction is not completed)
RLLR + 3.55
11.65
RLLR + 3.60
11.7
RLLR + 3.65
11.75
RLLR + 3.75
11.85
RLLR + 3.95
12.05
RLLR + 4.15
12.25
❱ IOB SURYA
Loan Upto Rs. 2.00 Lakhs
7%
Irrespective of Loan Amount
Loan Above Rs. 2.00 Lakhs
Term Loan
Individual
Interest Rate
750 & Above
RLLR + 0.50
8.6
700 to 749
680 to 699
IOB HL-Surya:
❱ OTHER HOUSING LOANS, MORTGAGE & LIQUIRENT LOAN
NRI HOUSING LOANS: TOP UP, LOAN AGST PROPERTY-HNI, LIQUIRENT, REVERSE MORTGAGE LOAN, Subhagruha Topup Loan, HOME IMPROVEMENT SCHEME & HOME DECOR LOANS
RLLR + 1.55
9.65
RLLR + 1.60
9.70
RLLR + 1.75
9.85
RLLR + 1.95
10.05
Loan Against Property CC and CC-LIQUIRENT - AGAINST RENT
RLLR + 2.05
10.15
RLLR + 2.10
10.20
RLLR + 2.25
10.35
RLLR + 2.45
10.55
RLLR + 2.65
10.75
LOAN AGAINST PROPERTY-HNI and LIQUIRENT
IOB1 or AAA
IOB2 or AA
IOB3 or A
IOB4 or BBB
IOB5 or BB
RLLR + 2.55
10.65
Housing Loan-ELM
RLLR + 0.15
8.25
RLLR + 0.40
8.50
❱ VEHICLE LOANS
Vehicle Loan (Non-Electric): (w.e.f 15.12.2025)
RLLR - 0.50
7.60
External Rating
RLLR - 0.45
7.65
AAA to A
BBB
RLLR + 0.70
8.80
Below BBB
Reject
If External Rating is Not-Available
8.60
ICON Rating
IOB 1 to IOB 3
IOB 4 & 5
IOB 6 & BELOW
RLLR + 2.75
10.85
RLLR + 3.10
11.20
RLLR + 3.45
11.55
RLLR + 6.25
14.35
RLLR + 4.55
12.65
RLLR + 5.65
13.75
RLLR + 6.05
14.15
IOB 4
IOB 5
Vehicle Loan (Electric): (w.e.f 15.12.2025)
RLLR + 0.45
8.55
ICON Rating 1
INTEREST RATE
RLLR + 2.90
11.00
RLLR + 3.25
11.35
RLLR + 4.35
12.45
RLLR + 5.45
13.55
RLLR + 5.85
13.95
❱ PERSONAL LOAN
RLLR + 2.50
10.60
RLLR + 3.00
11.10
RLLR + 2.35
10.45
RLLR + 4.05
12.15
RLLR + 4.65
12.75
RLLR + 4.90
13.00
RLLR + 5.15
13.25
RLLR + 5.55
13.65
❱ OTHER PERSONAL LOANS
RLLR + 3.05
11.15
❱ EDUCATION LOAN SCHEMES
INTEREST RATE FOR PUBLIC
RLLR +1.65%
INTEREST RATE FOR WARDS OF STAFF AND RETIRED STAFF
RLLR +0.40%
GIRL STUDENT
0.50%
FOR INTEREST SERVICED DURING MORATORIUM
1.00%
STUDY IN INDIA
INSTITUTES RANKED UP TO 20
1.50%
INSTITUTES RANKED FROM 21 TO 50
STUDY ABROAD
INSTITUTES RANKED UPTO 100
INSTITUTES RANKED 101 TO 200
LOAN ONLY UP TO Rs 7.50 Lakh
9.75%
A RATED INSTITUTIONS
RLLR -0.60%
7.50%
B RATED INSTITUTIONS
RLLR -0.35%
7.75%
LOAN UP TO Rs. 7.50 Lakh
RLLR +2.20%
10.30%
ABOVE Rs. 7.50 lakhs UP TO Rs. 60 Lakh
RLLR +3.20%
11.30%
IOB SCHOLAR TO STAFF WARD UP TO Rs. 60 Lakh
RLLR +1.90%
10.00%
SKILL LOAN
RLLR +1.50%
9.60%
VOCATIONAL LOANS
IOB CAREER DREAM UPTO Rs. 2 Lakh BY LIQUID SECURITY
RLLR +3.45%
11.55%
IOB CAREER DREAM ABOVE Rs. 2 Lakh SECURED BY IMMOVABLE
RLLR +3.65%
11.75%
BIHAR STUDENT CREDIT CARD SCHEME UP TO Rs. 4.00 LAKH
❱ FIXED RATE OF INTEREST
1
HOUSING LOANS
11%
2
HOME ADVANTAGE
12%
3
HOUSING LOAN TOP UP
4
HOME DÉCOR
13%
5
HOME IMPROVEMENT
6
VEHICLE LOAN (4 Wheeler)
7
VEHICLE LOAN (2 Wheeler)
8
PERSONAL LOANS
14%
9
PERSONAL LOAN TOP UP
10
EDUCATION AND ALLIED SCHEMES
11
LOAN AGAISNT PROPERTY
12
EMI BASED JL
13
LOAN AGAINST SGB(EMI BASED)
14
LOAN AGAISNT NSC/KVP/LIC AND OTHER MIS LIQUID SECURITIES
15
PENSIONER LOAN
16
IOB SURYA
Special Concession of 0.20% for HL Customers is being Discontinued with Immediate Effect.