Subsidy Loan Interest Rate and Charges – Rohini Financial Services
One of the biggest advantages of a Subsidy Loan is the reduced financial burden it offers through interest rebates, direct subsidies, or government-funded support.
At Rohini Financial Services, we connect you with verified government and bank-backed subsidy schemes that offer affordable interest rates and minimal charges, making your financial journey smoother.
💰 Subsidy Loan Interest Rates
Interest rates on Subsidy Loans vary depending on the scheme type, borrower profile, and loan purpose.
Below is an overview of typical interest ranges after applying subsidies:
| Loan Type / Scheme | Standard Rate (p.a.) | After Subsidy (Effective Rate) | Remarks |
|---|---|---|---|
| PMEGP Loan | 10% – 12% | 4% – 6% | 15%–35% subsidy on project cost. |
| Mudra Loan (PMMY) | 8% – 12% | 6% – 8% | Up to 2% interest rebate for timely repayment. |
| PMAY (Housing Loan) | 8% – 9% | 2.5% – 6.5% | Interest subsidy up to ₹2.67 lakh for eligible buyers. |
| Education Loan (Interest Subsidy Scheme) | 9% – 11% | 0% (during study period) | Full interest subsidy while studying. |
| Solar / Renewable Energy Loan | 9% – 13% | 5% – 7% | Up to 40% subsidy on equipment or installation cost. |
(Note: Actual interest rates and subsidy amounts depend on applicant profile and respective government guidelines.)
⚙️ Common Charges and Fees
While most subsidy schemes are designed to reduce costs, a few minimal charges may apply as per the lender’s policy:
| Charge Type | Details |
|---|---|
| Processing Fee | 0.5% – 2% of loan amount (may be waived for select schemes) |
| Documentation Charges | Nominal, depending on loan type |
| Prepayment Charges | Usually NIL or up to 2% (varies by scheme) |
| Late Payment Fee | As per lender norms |
| Stamp Duty / Legal Fee | Applicable as per state government regulations |
🌟 Why Choose Rohini Financial Services for Subsidy Loans?
Access to Multiple Government Schemes – PMEGP, PMAY, Mudra, and more.
Assistance in Securing Maximum Subsidy – We help you get the highest benefit possible.
Low-Cost Financing Options – Reduced interest and transparent charges.
Tie-ups with Leading Banks & NBFCs.
End-to-End Support – From eligibility check to loan disbursal.
✅ Affordable, Transparent, and Government-Backed
With Rohini Financial Services, you get complete clarity on Subsidy Loan interest rates and charges.
Our team ensures that you benefit from every available government incentive and secure the lowest possible effective interest rate.
📞 Call Now or 💻 Apply Online to get detailed information on current subsidy loan rates and start your application today!