Personal Loan

Hatton National Bank offers highly competitive interest rates to its customers. These rates are regularly reviewed to ensure that the customers are being provided the most effective rates for their investments with Hatton National Bank.

The current interest rates of the banking products can be viewed by selecting the related product from the list below :

 

Personal Loan

 

(Vehicle Loan / Debt Consolidation Loan / Emergency Treatments Loan / To purchase Solar Power System)

Type
Tenure
For Salary Smart/ HNB Youth Customers Only
Without salary remittances (S/O), salary remittances, Not categorized under "Salary Smart" & Business Clients
Type
Fixed
Tenure
3 Years
With Salary Remittance
15.00%
Without Salary Remittance & Business Clients
16.50%
Type
Fixed
Tenure
5 Years
With Salary Remittance
15.50%
Without Salary Remittance & Business Clients
17.00%
Type
Fixed
Tenure
7 Years
With Salary Remittance
17.75%
Without Salary Remittance & Business Clients
19.75%
Type
Fixed
Tenure
8 Years
With Salary Remittance
18.00%
Without Salary Remittance & Business Clients
20.00%
Type
Floating
Tenure
3 Years
With Salary Remittance
AWPLR + 2.50%
Without Salary Remittance & Business Clients
AWPLR + 3.00%
Type
Floating
Tenure
5 Years
With Salary Remittance
AWPLR + 2.75%
Without Salary Remittance & Business Clients
AWPLR + 3.25%
Type
Floating
Tenure
7 Years
With Salary Remittance
AWPLR + 3.00%
Without Salary Remittance & Business Clients
AWPLR + 3.50%
Type
Fixed Cumulative Floating
 
  
With Salary Remittance
3 / 5 Years fixed followed by AWPLR + 3.00%
Without Salary Remittance & Business Clients
3 / 5 Years fixed followed by AWPLR + 3.25% 
  

 

Personal loans to purchase (Roof Top Solar)

Period (Years) 
Interest Rate
Period (Years)
3
Interest Rate
11.50%
Period (Years)
4
Interest Rate
12.00%
Period (Years)
5
Interest Rate
12.50%
Period (Years)
6
Interest Rate
13.00%
Period (Years)
7
Interest Rate
13.00%

 

 

 

 

 

 

 

 

  • These rates applicable strictly for Roof-top Solar project funding and all payment to be made direct to the supplier.
  • Business clients - Business account should be with HNB and has maintained the account for minimum 1 year. 
  • Salaried individuals - Minimum salary - Rs.100,000/- 
  • Maximum lending for a customer for solar - Rs. 4.0 Mn 

 

Loan Against Property (LAP)

Period (Years)
Fixed Rate
Floating Rate
Period (Years)
1-3
Fixed Rate
12.75%
Floating Rate
AWPLR + 2.50%
Period (Years)
4-5
Fixed Rate
14.00%
Floating Rate
AWPLR + 2.50%
Period (Years)
6-7
Fixed Rate
15.50%
Floating Rate
AWPLR + 2.75%
Period (Years)
8-10
Fixed Rate
16.00%
Floating Rate
AWPLR + 3.00%

 

 

 

 

 

 

 

 

Special Rates for Personal Loans - Valid up to 31.12.2024

Tenor
Fixed Rate
Tenor
3 year
Rate
14.00%
Tenor
5 year
Rate
14.50%

 

 

 

 

* Total floating rate / Floating rate to be applied after the Fixed Rate 

For floating rates 06 months review on EMI Loans & Monthly review on Linear type loans

Above special rates will be applicable strictly for the following categories.

  • Salaried /Professionals/ SL working abroad with min income of Rs. 300,000 p.m. subject to direct salary/ Income remittance to HNB Account/s.
  • Business client with average income above Rs. 1.0 Mn p.m to be routed through HNB Account/s
  • All Club and Priority customers. (Provided the required deposit amount is held with HNB)




Last rate change effected on: 2024-12-04