Loan

 
Interest Rates - Loans & Advances
Interest rate w.e.f. 28-12-2022
Scheme Particulars/Term/Amount Interest rate
1.Commercial  Loan and Limit (a).Below Rs. 5 lac (Loan and Limit) 9.50%
  (b).Rs.5 lac & Above Rs. 5 lac(Loan) 9.75%
  (c).Rs.5 lac & Above Rs. 5 lac(Limit) As per CR
  CR-1 9.00%
  CR-2 9.25%
  CR-3 9.50%
  CR-4 10.00%
  CR-5 10.50%
  CR-6 11.20%
  CR-7 11.70%
 Urban Traders Scheme (d).Urban Traders Scheme As per UTR
  UTR-1 9.00%
  UTR-2 9.25%
  UTR-3 9.50%
  UTR-4 10.00%
  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 8.50%
  CR-2 8.75%
  CR-3 9.00%
  CR-4 9.50%
  CR-5 10.00%
  CR-6 10.50%
  CR-7 11.50%
2.SAME Unit's (Other than petrol pump) (a).Below Rs. 5 lac (Loan and Limit) 9.25%
  (b).Rs.5 lac & Above Rs. 5 lac(Loan) 9.00%
  (c).Rs.5 lac & Above Rs. 5 lac(Limit) Rate as per 1(c) minus 0.50 for CR-1,2,3 and minus 0.25% for CR-4,5,6,7 As per CR
 URBAN TRADERS (d).Rs.5 lac & Above Rs. 5 lac(Limit) Rate as per 1(c) minus 0.50 for CR-1,2,3 and minus 0.25% for CR-4,5,6,7,8 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%
4.Transport Loan (a).LMV 9.90%
  (b1).HMV 10.25%
  (b2).HMV 9.50%
5.Teachers Plus   10.25%
6.Consumer & Personal Loan(Unsecured)    
a(i).Teacher/Salaried Loan Account in Bank   12.00%
a(ii).Teacher/Salaried Loan Account without Bank   13.00%
b.Other Salaried Loan   13.00%
7.1 Housing Loan (Floating Rate)Upto 25 Lacs (a).General 8.75%
  (b).Doctors/Government or PSU Employee 8.70%
  (c).Lady Doctor/Government or Lady PSU Employee 8.70%
7.2 Housing Loan (Floating Rate)Above 25 Lacs (a).General 9.00%
  (b).Doctors/Government or PSU Employee 8.90%
  (c).Lady Doctor/Government or Lady PSU Employee 8.90%
7.3 House Repair & Renovation House Repair & Renovation 9.50%
7.4 Takeover/Balance Transfer of Housing Loan  Same as Housing Loan  
 7.5 Top up Loan  1% extra on Housing loan  
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   8.90%
9(a) (ii).Car Loan(New) Doctor/Govt. or PSU Employee   8.80%
(b).Car Loan(Old) with security 0.50% extra on New Car Loan (New) General  
(c).Car Loan(Old) without security 0.50% extra on New Car Loan (New) General  
(d).Two Wheeler Loan   10.00%
10.Loan/Limit Against Property   11.50%
11.Doctor Plus Loan    
(a).WC/Euqipments/Furniture WC/Euqipments/Furniture 8.75%
(b).Nursing Home Const./Pur. Nursing Home Const./Pur. 8.75%
(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 8.85%
12.Overdraft against property for professionals   8.75%
13. Education loan   9.50%
14.Loan Against NSC/KVP/LIC etc.    
(a).Loan Against NSC/KVP/LIC etc.  Upto 20 Lacs 10.00%
(b).Loan Against NSC/KVP/LIC etc.  Above 20 Lacs 9.75%
15 (i).Loan Against Fixed Deposit    
(i).Loan Against Own Fixed Deposit below 20 lac

1 % Above

 

 
(ii).Loan Against Own Fixed Deposit 20 lac to 50 lac

0.75 % Above

 

 
(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  
16.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