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Interest Rates - Loans & Advances
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| Interest rate w.e.f. 01-07-2022 |
| Scheme |
Particulars/Term/Amount |
Interest rate |
| 1.Commercial Loan and Limit |
(a).Below Rs. 5 lac (Loan and Limit) |
9.00% |
| |
(b).Rs.5 lac & Above Rs. 5 lac(Loan) |
9.25% |
| |
(c).Rs.5 lac & Above Rs. 5 lac(Limit) |
As per CR |
| |
CR-1 |
8.00% |
| |
CR-2 |
8.25% |
| |
CR-3 |
8.80% |
| |
CR-4 |
9.80% |
| |
CR-5 |
10.40% |
| |
CR-6 |
11.20% |
| |
CR-7 |
11.70% |
| Urban Traders Scheme |
(d).Urban Traders Scheme |
As per UTR |
| |
UTR-1 |
9.00% |
| |
UTR-2 |
9.00% |
| |
UTR-3 |
9.00% |
| |
UTR-4 |
9.80% |
| |
UTR-5 |
11.00% |
| |
UTR-6 |
11.50% |
| |
UTR-7 |
11.75% |
| |
UTR-8 |
12.00% |
| For Petrol Pump CC Limit |
(e).Petrol Pump CC Limit |
As per CR |
| |
CR-1 |
8.00% |
| |
CR-2 |
8.00% |
| |
CR-3 |
8.00% |
| |
CR-4 |
8.50% |
| |
CR-5 |
9.50% |
| |
CR-6 |
10.50% |
| |
CR-7 |
11.50% |
| 2.SAME Unit's (Other than petrol pump) |
(a).Below Rs. 5 lac (Loan and Limit) |
9.00% |
| |
(b).Rs.5 lac & Above Rs. 5 lac(Loan) |
8.25% |
| |
(c).Rs.5 lac & Above Rs. 5 lac(Limit) |
As per CR |
| URBAN TRADERS |
(d).Rs.5 lac & Above Rs. 5 lac(Limit) |
As per UTR |
| 3.Agriculture Loan and Limit |
(a)Upto Rs. 3 lac |
7.00% |
| |
(b)Above Rs. 3 lac |
9.85% |
| |
(c)Above Rs. 10 lac |
9.90% |
| 3.Commercial & SSI Loan |
(a).Below Rs. 5 lac (Loan and Limit) |
9.00% |
| |
(b).Rs.5 lac & Above Rs. 5 lac(Loan) |
9.25% |
| |
(c).Rs.5 lac & Above Rs. 5 lac(Limit) |
As per CR |
| |
CR-1 |
8.00% |
| |
CR-2 |
8.25% |
| |
CR-3 |
8.80% |
| |
CR-4 |
9.80% |
| |
CR-5 |
10.40% |
| |
CR-6 |
11.20% |
| |
CR-7 |
11.70% |
| 4.Transport Loan |
(a).LMV |
9.70% |
| |
(b1).HMV |
10.00% |
| |
(b2).HMV |
8.60% |
| 4.Consumer & Personal Loan |
|
13.00% |
| 5.Teacher/Salaried Loan |
|
12.00% |
| 6.Other Salaried Loan |
|
13.00% |
| 7.1 Housing Loan (Floating Rate)Upto 25 Lacs |
(a).General |
6.95% |
| |
(b).Doctors/Government or PSU Employee |
6.90% |
| |
(c).Lady Doctor/Government or Lady PSU Employee |
6.90% |
| 7.2 Housing Loan (Floating Rate)Above 25 Lacs |
(a).General |
7.10% |
| |
(b).Doctors/Government or PSU Employee |
7.05% |
| |
(c).Lady Doctor/Government or Lady PSU Employee |
7.05% |
| 7.3 House Repair & Renovation |
House Repair & Renovation |
8.00% |
| 8.Plot Purchase |
(a)Upto Rs. 2 Crore |
11.00% |
| |
(b)Above Rs. 2 Crore Upto 3 Crore |
10.50% |
| |
(c)Above Rs. 3 Crore |
10.00% |
| 9(a) (i).Car Loan(New) General |
|
8.00% |
| 9(a) (ii).Car Loan(New) Doctor/Govt. or PSU Employee |
|
7.90% |
| (b).Car Loan(Old) with security |
|
11.00% |
| (c).Car Loan(Old) without security |
|
11.50% |
| (d).Two Wheeler Loan |
|
10.00% |
| 10.Loan Against Property |
|
11.50% |
|
11(a).SME's Unit's
|
Term Loan & Cash Credit Limit(Upto Rs. 4.99 Lakh)
|
9.00% |
|
| (b).Term Loan(Rs. 5 Lakh or Above ) |
08.75% |
8.75% |
| (c).Cash Credit Limit |
As per their credit Rating CR1 to CR3 Minus 0.50% and CR4 to CR7 Minus 0.25% |
|
| 12.Doctor Plus Loan |
|
|
| (a).WC/Euqipments/Furniture |
WC/Euqipments/Furniture |
8.25% |
| (b).Nursing Home Const./Pur. |
Nursing Home Const./Pur. |
8.25% |
| (c).Loan Ag. Property/Plot Purchase |
Loan Ag. Property/Plot Purchase |
|
| |
(i)Upto Rs. 2 Crore |
9.90% |
| |
(ii)Above Rs. 2 Crore Upto 3 Crore |
9.10% |
| |
(iii)Above Rs. 3 Crore |
8.30% |
| 13. Education loan |
|
9.00% |
| 14.Urban Traders |
(a). |
% |
| |
(b). |
% |
| |
(c). |
As per UTR |
| |
UTR-1 |
9.00% |
| |
UTR-2 |
9.00% |
| |
UTR-3 |
9.00% |
| |
UTR-4 |
9.75% |
| |
UTR-5 |
11.00% |
| |
UTR-6 |
11.50% |
| |
UTR-7 |
11.75% |
| |
UTR-8 |
12.00% |
| 15.Loan Against NSC/KVP/LIC etc. |
|
|
| 15(a).Loan Against NSC/KVP/LIC etc. |
Upto 20 Lacs |
10.00% |
| 15(b).Loan Against NSC/KVP/LIC etc. |
Above 20 Lacs |
9.75% |
| 16 (i).Loan Against Own Fixed Deposit below 20 lac |
1 % Above
|
|
| 16 (ii).Loan Against Own Fixed Deposit 20 lac to 50 lac |
0.75 % Above
|
|
| 16 (iii).Loan Against Own Fixed Deposit above 50 lac |
0.50 % Above
|
|
|
(b).Loan Against Third Party F.D.
|
2% Above Rate of Deposit
|
| (c).For Staff |
0.25% extra rate of interest FDR |
|
| (d).For Directors/Ex-Director |
At Par |
|
| 17.Staff Loan(Housing and Vechile Loan) |
(a)Less than 1.25% of General Rate |
|
| Other Loan |
(b)Less than 2.00% of General Rate |
|
| Satff OD |
(c)Equal to Rate of interest of FD one year |
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