Customers ! Please avail special rebate immediately on regular payment of interest on the loan on certain schemes only. Refer table shown below

Rebate in Gold loan Scheme

• For regular monthly interest paying customers, the initial interest rate will be continued during the loan tenure.

• BL Scheme is available at interest rate of 9.90% to OGL registered Customers provided customer need to repledge minimum 4 times in every 15 days inventory period via online mode (web/app). If customer repledge only once, he/she will get rebate of 1%. If customer repledge twice, he/she is eligible for loan at 18%, If 3 repledges, he/she eligible for loan at 15%.Conditions apply. (Applicable for the customers those who have life time eligibility & live inventory from 26-Sep-2018 onwards)

• PL & SX schemes are available at interest rate of 12% to OGL registered Customers provided customer need to repledge minimum 4 times in every 15 days inventory period via online mode (web/app). If customer repledge only once, he/she will get rebate of 1%. If customer repledge twice, he/she is eligible for loan at 18%, If 3 repledges, he/she eligible for loan at 15%.Conditions apply. (Applicable for the customers those who have life time eligibility & live inventory from 29-Aug-2018 onwards)

• PL & SX schemes are available at interest rate of 12% to OGL registered Customers provided customer need to repledge minimum 4 times (2 repledges in 1-15 days & other 2 repledges in next 16-30 days) in every 30 days inventory period via online mode (web/app). If customer repledge only once in a month, he/she is not eligible for rebate. If customer repledge twice in a month, he/she is eligible for loan at 18%, If 3 Repledge in a Month; atleast 1 repledge in 1-15 days and balance in 16-30 days will be eligible for 15%.Conditions apply. (Applicable for the customers those who have life time eligibility & live inventory during 5-Jul-2018 to 28-Aug-2018)
• PL & SX schemes are available at interest rate of 12% to OGL registered Customers provided customer need to repledge minimum 2 times (First repledge in 1-15 days & next in 16-30 days) in every 30 days inventory period via online mode (web/app). If customer repledge only once in a month, he/she is eligible for loan at 18%. Conditions apply. (Applicable for the customers those who have life time eligibility & live inventory on or before 4-Jul-2018)

Note

• Overdue interest is chargeable at 3% p.a. after loan tenure.

• Compounding in all Schemes at monthly rest.

• Processing fee of Rs. 10/- for all schemes at the time of settlement. Additional processing fee on Repledge at 0.07% of new pledge value.

• B4+ scheme is available only for high value loans of Rs. 1 crore and above.

• Individual maximum exposure limit : a. In Kerala branches except Thrissur - 30 Lakhs b. In Thrissur branches - 40 Lakhs and c. Outside Kerala branches- 25 Lakhs. Requires separate approval for additional ceiling limit.

• * PL Scheme is available in all Kerala branches.

• ** Branches in Mumbai, Mumbai City, Pune, Lucknow, Kanpur Dehat, Kanpur Nagar, Kolkata, Bhopal, Indore, Cuttack & Khordha districts in northern states are considered as Tier1 branches.

Approach for Gradation of Risk

The process of gradation of risk and interest determination is primarily based on the details/attributes of the loan scheme, say, LTV, tenure of the loan and the amount of loan extended. As a result, higher the risk perceived for a loan, based on assessment of the said factors the interest rates are likely to be higher and vice versa. For example, for the loans with lesser tenure (e.g. SX scheme) the risk perceived is higher and thus maximum interest rate is applied.

For further details contact nearest branch. For a branch near you, log on www.manappuram.com/branchlocator