Amrut Yojana Loan – Interest Rate and Charges
Transparent, Affordable, and Customer-Friendly Financing
At Rohini Financial Services, we believe in complete transparency and fairness. The Amrut Yojana Loan comes with competitive interest rates and minimal processing charges, ensuring that your financial journey is smooth, affordable, and stress-free.
💰 Interest Rates
Our Amrut Yojana Loan interest rates are designed to suit every borrower’s profile — whether you’re salaried, self-employed, or a business owner.
| Loan Type | Interest Rate (Per Annum) | Tenure |
|---|---|---|
| Personal / Individual Loan | Starting from 9.99% p.a. | Up to 5 years |
| Business / MSME Loan | Starting from 10.50% p.a. | Up to 7 years |
| Short-Term Financial Loan | Starting from 11.25% p.a. | Up to 3 years |
💡 Interest rates may vary based on loan amount, applicant profile, income stability, and credit score.
📄 Other Applicable Charges
| Particulars | Charges | Details |
|---|---|---|
| Processing Fee | Up to 2% of the loan amount | Deducted at the time of disbursal |
| Prepayment Charges | 1% – 3% | Applicable on outstanding balance if repaid before tenure |
| Late Payment Fee | 2% per month | On overdue EMI amount |
| Documentation Fee | Nominal | Covers verification and legal paperwork |
| Bounce Charges | ₹500 per instance | Applicable for missed EMI payments |
🔍 Factors That Affect Your Interest Rate
- Applicant’s credit score and repayment history
- Type of employment (salaried or self-employed)
- Loan amount and repayment tenure
- Existing financial obligations and income stability