Rate of Interest

# Product Segment	Range
Personal Loans	13.99%-42%
PL Partners	13%-48%
Unsecured Business Loans	14.5%-36%
Student/ Education Loans	11.5%-15%
Secured School Finance	11%-18.35%
Loan against Properties	11%-24%
Supply Chain Finances	9%-24%
Lending to FIs	10%-18%
Structured Finance/ Escrow backed lending	9%-19%

InCred Reference Rate: 15.00% p.a.

# The Interest rate applicable to each loan account under the respective product offered to the customer shall be assessed as per internal credit norms of IFSL based on multiple risk parameters like loan amount, tenure, borrower profile, income, cash flows, borrowers repayment capacity , loan to value of the asset financed/ security cover, type of collateral security provided by the borrower and past repayment track record of the borrower, etc.