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Rate of Interest on Loans and Advances

( As on 20/05/2017)

  • Agri Short Term Loan

    KCC Upto 3 Lakh 12.00% , Interest subvention upto loan limit of Rs.3 lakhs for a person in short term agriculture schemes; subject to Government notification
    Above 3 lakh 13.00%
    AGRI GOLD LOAN - CROP Upto 3 Lakh 12.00% , Interest subvention upto loan limit of Rs.3 lakhs for a person in short term agriculture schemes; subject to Government notification
    Above 3 lakh 13.00%
    AGRI GOLD LOAN - NON CROP Upto 1 Lakh 9.99%
    Above 1 Lakh 9.50%
    AGSTL Irrespective of Amount 9.95%
    KARSHAKA MITHRA OD Irrespective of Amount 13.00%
  • Agricultural Term Loans

    KARSHAKA MITHRA - TERM LOANS Irrespective of Amount 12.50%
    KGB SAMAGRA Irrespective of Amount 9.75% , interest rebate of 0.75% shall be given for the prompt repayment of KGB Samagra and KGB Samgra plus
    KGB SAMAGRA PLUS Irrespective of Amount 9.75%
    Other Agriculture term loans Irrespective of Amount 10.50%
    AGRI VEHICLE LOAN Irrespective of Amount 10.50%
  • Educational Loans

    EDUCATION LOAN With EM Security 12.50% , Rebate of 1% in interest during repayment holiday for prompt service of interest
    Without EM Security13.50% , Rebate of 1% in interest during repayment holiday for prompt service of interest
  • Housing Loans

    HOUSING LOAN GENERAL Irrespective of Amount 10.25%
    PREMIUM HOUSING LOAN Irrespective of Amount 9.45% , a concession of 0.25% from the applicable rate may be provided for Housing Loan Premium (HLP) sanctioned to Government and PSU employees
    RURAL HOUSING FUND LOAN Irrespective of Amount 9.62%
    URBAN HOUSING FUND LOAN Irrespective of Amount 8.87%
    PMAYUpto Rs. 20 Lakhs9.45% , interest subsidy shall be admissible for the loan amount availed, subject to a cap of Rs 6 Lac
  • Personal Loans

    GENERAL CONSUMPTION LOAN Irrespective of Amount 15.00%
    HOME LOAN PLUS - TERM LOAN Irrespective of Amount 11.50%
    HOME LOAN PLUS - OD Irrespective of Amount 11.50%
  • Building Loans

    COMMERCIAL BUILDING LOAN Irrespective of Amount 15.00%
    RURAL Marketing OutletIrrespective of Amount 13.00%
  • MSME/MUDRA Loans

    LARGE ENTRERPRISES - TERM Upto 10 Lakh 11.50%
    Above 10 Lakh 12.50%
    MEDIUM ENTERPRISES - TERM Upto 10 Lakh 11.50%
    Above 10 Lakh 12.50%
    MSE - MANUFACTURING -TERM Upto 10 Lakh 11.50%
    Above 10 Lakh 12.50%
    MSE - RETAIL TRADE - TERM Upto 10 Lakh 11.50%
    Above 10 Lakh 12.50%
    MSE - SERVICES - TERM Upto 10 Lakh 11.50%
    Above 10 Lakh 12.50%
    LARGE ENTRERPRISES - CC Above 10 Lakh 12.50%
    LARGE ENTRERPRISES - OD Above 10 Lakh 12.50%
    MEDIUM ENTERPRISES - CC Above 10 Lakh 12.50%
    MEDIUM ENTERPRISES - OD Above 10 Lakh 12.50%
    CC MSE - MANUFACTURING Above 10 Lakh 12.50%
    OD MSE - MANUFACTURING Above 10 Lakh 12.50%
    CC MSE - RETAIL TRADE Above 10 Lakh 12.50%
    OD MSE - RETAIL TRADE Above 10 Lakh 12.50%
    CC MSE - SERVICES Above 10 Lakh 12.50%
    OD MSE - SERVICES Above 10 Lakh 12.50%
  • Vehicle Loans

    ROAD AND WATER TRANSPORTS Irrespective of Amount 12.00%
    PERSONAL VEHICLE LOANIrrespective of Amount 9.75% , "*An additional concession of 0.25% from the applicable rate may be given if EM with sufficient coverage (150%) or fixed deposit with requisite value (100%).Applicable to fresh loans sanctioned on or after 18/03/2017"
    PVLPTIrrespective of Amount 9.95%
    PERSONAL VEHICLE LOAN - PremiumIrrespective of Amount 9.25% , "*An additional concession of 0.25% from the applicable rate may be given if EM with sufficient coverage (150%) or fixed deposit with requisite value (100%).Applicable to fresh loans sanctioned on or after 18/03/2017"
  • Loans to weaker Sections

    DRI LOANS Irrespective of Amount 4.00%
    SAFAI KARAMCHARI EDUCATION LOAN Irrespective of Amount 4.00%
    SAFAI KARAMCHARI EDUCATION FEMALE Irrespective of Amount 3.50%
    SAFAI KARAMCHARIS MAHILA ADHIKARITA YOJANA Irrespective of Amount 5.00%
    SAFAI KARAMCHARIS MICRO CREDIT FINANCE Irrespective of Amount 5.00%
    SAFAI KARAMCHARIS MAHILA SAMRIDHI YOJANA Irrespective of Amount 4.00%
    SAFAI KARAMCHARIS SANITATION WORKERS REHABILITATION SCHEME FEMALE Irrespective of Amount 3.00%
    SAFAI KARAMCHARIS SANITATION WORKERS REHABILITATION SCHEME Irrespective of Amount 4.00%
    SAFAI KARAMCHARIS TERM LOAN Irrespective of Amount 6.00%
    NSCFDC-LAKHU VYAVASAYA YOGANA Upto Rs.1.80 lakh 6.00%
    NSCFDC-MAHILA SAMRIDDHI YOGANA Upto Rs.0.45 lakh 4.00%
  • JLG Loans

    JOINT LIABILITY GROUP - AGRI Irrespective of Amount 10.50%
    JOINT LIABILITY GROUP - NF SECTOR Irrespective of Amount 12.50%
    JLG KCCIrrespective of Amount 12.00%
    JLG INTEREST SUBVENTION Irrespective of Amount 12.00%, Interest subvention upto 3 lakhs
  • Loans Against Deposits

    LOAN AGAINST DAILY DEPOSIT Irrespective of Amount 10.00%
    LOAN AGAINST TERM DEPOSIT Irrespective of Amount 2% above deposit rate
    OD AGAINST TERM DEPOSIT Irrespective of Amount 2% above deposit rate
  • Group Loans with Govt. Subsidy

    MERA LOANS TO FARM SECTOR Irrespective of Amount 13.00%
    MERA LOANS TO NF SECTOR Upto 2 Lakh14.00%
    Above 2 Lakh 14.5%
    NRLM WSHG TERRM LOANS OTHERS Upto 5 Lakh 10.5%
    Above 5 Lakh 11.5%
    NRLM WSHG TERM LOAN SUBVENTION Upto 5 Lakh 10.5%, Of which upto 3 Lakhs interest is 7%
    Above 5 lakh 11.5%, Of which upto 3 Lakhs interest is 7%
    NULM SELF EMP.INDIVIDUAL Irrespective of Amount 10.5%
    REVOLVING FUND-MERA BENEFICIARY Irrespective of amount 11.5%
    NRLM WSHG CC OTHERS Upto 5 Lakh 10.5%
    Above 5 Lakh 11.5%
    NRLM WSHG CC SUBVENTION Upto 5 Lakh 10.5%, Of which upto 3 Lakhs interest is 7%
    Above 5 Lakh 11.5%,Of which upto 3 Lakhs interest is 7%
    REVOLVING FUND GOVT SPONSORED PROGRAM Irrespective of amount 13.00%
  • SHG Loans

    SELF EMPLOYMENT PROGRAM GROUP Irrespective of Amount 12.00%
    SELF EMPLOYMENT PROGRAM SHG Upto 5 Lakh 10.5%
    Above 5 Lakh 11.5%
    SHG Upto 5 Lakh 10.50%
    Above 5 Lakh 11.50%
    SHG TERM LOAN Upto 5 Lakh 10.5%
    Above 5 Lakh 11.5%
    LOANS TO VOLUNTARY AGENCY Irrespective of Amount 12.50%
    SHG OD Upto 5 Lakh 10.5%
    Above 5 Lakh 11.5%
    OD - VOLUNTARY AGENCY Irrespective of Amount 12.50%
  • Gold Loans

    ONE YEAR GOLD LOAN Irrespective of Amount 11.99%
    GOLD LOAN OTHERS Irrespective of Amount 12.99%
    GOLD LOAN OD Upto 1 Lakh 12.00%
    Above 1 Lakh 12.50%
  • Solar Loan

    SOLAR LOANS Irrespective of Amount 13.00%
  • Debt Relief Loans

    GRAMIN RINN MUKTHI AGRI Irrespective of Amount 10.75%
    GRAMIN RIN MUKTI NON FARM Irrespective of Amount 10.75%
  • KGB-Contractor Scheme (KGCOD & KGCTL)

    KGB-Contractor Scheme (KGCOD & KGCTL)Irrespective of Amount 12.50%
  • Others

    INVOKED BANK GUARANTEES Irrespective of Amount 15.00%
    BILL PURCHASED ADV - NPA Irrespective of Amount 15.00%