INTEREST RATE STRUCTURE

(Inclusive of Interest Tax )		Rate of Interest Gross (%)	Rate of Interest Net (%)
1.	LOAN UPTO RS. 2 LAKHS	13.50	12.50
2.	LOAN OVER RS. 2 LAKHS AND UPTO RS. 5 LAKHS (FOR SC/ST CATEGORY ONLY)	14.50	13.50
3.	LOAN OVER RS. 2 LAKHS	17.00	16.00
4.	GOLD CARD SCHEME	--	--
	1. FOR GENERAL CLIENTS	16.50	15.50
	2. FOR EXISTING GSFC LOANEES	16.00	15.00
5.	DOCTOR FRIEND SCHEME	16.50	15.50
6.	MODERNIZATION SCHEME	14.00	13.00
7.	POLLUTION CONTROL SCHEME	14.00	13.00
8.	HP/LEASE	20.19 to 20.38	19.19 to 19.38
9.	WORKING CAPITAL	18 to 20	17 to 19
10	BILL DISCOUNTING	22 to 24	21 to 23

PARTICULARS	PARAMETERS
Rate of interest	17% gross
Cash Security Deposit	NIL
Primary/collateral Security	30%
Margin	25%
Moratorium	6 Months
Repayment Payment Terms per month by	48 monthly installments
Existence of Unit	4 years
Profitability of the Unit	Last two years

Gujarat State Financial Corporation
Block No.10,Sector-11,Udyogbhavan
Gandhinagar