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    <title>IT : SBI LENDING RATES - IT: Gold and Silver rates as on April 1, 2011 (Mumbai) : Standard Gold Rs. 20,775; Pure Gold Rs. 20,875; Silver Spot Rs. 56,900 :</title>
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    <description>SBI lending rates set tiered interest charges across loan categories by tenor, loan amount bands, and borrower location, covering housing, car, two wheeler, education, personal, and ESOP subscription loans. Rates vary by assessment year and include amount based cutoffs and metro/urban versus rural/semi urban differentiations. Notable concessions include a 0.50% interest concession for female student borrowers under education loan schemes and scheme specific Scholar Loan pricing; footnotes specify thresholds and conditions for concessional rates and long tenor applicability.</description>
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