Loan

 
Interest Rates - Loans & Advances
Interest rate w.e.f. 06-06-2020
Scheme Particulars/Term/Amount Interest rate
1.Agriculture Loan Upto Rs. 3 lac 7.50%
  Above Rs. 3 lac 9.85%
  Above Rs. 10 lac 09.90%
2.Commercial & SSI Loan (a).Below Rs. 5 lac 9.00%
  (b).Rs.5 lac & Above Rs. 5 lac 9.25%
  (c).Rs.5 lac & Above Rs. 5 lac As per CR
  CR-1 8.65%
  CR-2 8.70%
  CR-3 8.80%
  CR-4 10.40%
  CR-5 10.90%
  CR-6 11.20%
  CR-7 11.70%
3.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 8.20%
  (b).Doctors/Government or PSU Employee 8.10%
  (c).Lady Doctor/Government or Lady PSU Employee 8.05%
7.2 Housing Loan (Floating Rate)Above 25 Lacs (a).General 8.35%
  (b).Doctors/Government or PSU Employee 8.30%
  (c).Lady Doctor/Government or Lady PSU Employee 8.25%
7.3 House Repair & Renovation House Repair & Renovation 09.50%
8. Plot Purchase   11.00%
9(a) (i).Car Loan(New) General   8.50%
9(a) (ii).Car Loan(New) Doctor/Govt. or PSU Employee   8.40%
(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 0.30% and CR4 to CR7 Minus 0.15%  
12.Doctor Plus Loan    
(a).WC/Euqipments/Furniture WC/Euqipments/Furniture 8.75%
(b).Nursing Home Const./Pur. Nursing Home Const./Pur. 8.25%
(c).Loan Ag. Property Loan Ag. Property 09.90%
13. Education loan   10.00%
14.Urban Traders (a). %
  (b). %
  (c). As per UTR
  UTR-1 9.00%
  UTR-2 9.00%
  UTR-3 9.00%
  UTR-4 09.75%
  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 12.00%
15(b).Loan Against NSC/KVP/LIC etc.  Above 20 Lacs 10.25%
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 Less than 2% of General Rate But not less than rate of interest of FDR one year