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Rate of Interest on Loans and Advances

Personal Vehicle Loan for Electric Four-Wheeler Vehicles

Irrespective of amount Interest rate - 9.00%
Agriculture Infrastructure Fund 9% p.a. Interest subvention of 3% available for loans sanctioned under the scheme for limits up to Rs.2crores for a maximum period of 7 years.
Kisan Credit Card Upto 3 Lakh 11.00% , Interest subvention upto loan limit of Rs.3 lakhs for a person in short term agriculture schemes; subject to Government notification
Above 3 Lakh 12.00%
KARSHAKA MITHRA OD Irrespective of Amount 12.10%
KARSHAKA MITHRA - TERM LOANS 11.60%
KGB Samagra Plus 11.25% (Eligible for Prompt Repayment [email protected]% at time of closure)
Other Agriculture term loans Upto Rs 10 lakh - 11.25% Above Rs 10 lakh - 10.75%
AGRI VEHICLE LOAN Irrespective of Amount 12.00%
EDUCATION LOAN Irrespective Of Loan Amount 13.60% (Education Loan without EM security)
Upto Rs.7,50,000/- 12.60% (Education Loan with EM security)
For Rs.7,50,001/- and above 11.50% (Education Loan with EM security)
KG Sukanya (For female students) Irrespective Of Loan Amount 12.60% (Education Loan without EM security)
Upto Rs.7,50,000/- 11.60% (Education Loan with EM security)
For Rs.7,50,001/- and above 10.50% (Education Loan with EM security)
Housing Loan General upto Rs.10,00,000/- 9.75%
Rs.10,00,001/- to Rs.25,00,000/- 8.75% (if the CIBIL score of the borrower/s are 750 and above)
9.00% (if the CIBIL score of the borrower/s are below 750)
Rs.25,00,001/- and above 8.50% (if the CIBIL score of the borrower/s are 750 and above)
8.75% (if the CIBIL score of the borrower/s are below 750)
Premium Housing Loan Upto Rs.10,00,000/- 9.75%
Rs.10,00,001/- to Rs.25,00,000/- 8.75% (if the CIBIL score of the borrower/s are 750 and above)
9.00% (if the CIBIL score of the borrower/s are below 750)
Rs.25,00,001/- and above 8.50% (if the CIBIL score of the borrower/s are 750 and above)
8.75% (if the CIBIL score of the borrower/s are below 750)
Housing Loan Scheme For State Government Employees Upto Rs.10,00,000/- 9.75%
Rs.10,00,001/- to Rs.25,00,000/- 8.75% (if the CIBIL score of the borrower/s are 750 and above)
9.00% (if the CIBIL score of the borrower/s are below 750)
Rs.25,00,001/- and above 8.50% (if the CIBIL score of the borrower/s are 750 and above)
8.75% (if the CIBIL score of the borrower/s are below 750)
Rural Housing Funds Loan (Subject to terms & availability of scheme/refinance) Upto Rs.10,00,000/- 9.75%
Rs.10,00,001/- to Rs.25,00,000/- 8.75% (if the CIBIL score of the borrower/s are 750 and above)
9.00% (if the CIBIL score of the borrower/s are below 750)
Rs.25,00,001/- and above 8.50% (if the CIBIL score of the borrower/s are 750 and above)
8.75% (if the CIBIL score of the borrower/s are below 750)
Urban Housing Funds Loan (Subject to terms & availability of scheme/refinance) Upto Rs.10,00,000/- 9.75%
Rs.10,00,001/- to Rs.25,00,000/- 8.75% (if the CIBIL score of the borrower/s are 750 and above)
9.00% (if the CIBIL score of the borrower/s are below 750)
Rs.25,00,001/- and above 8.50% (if the CIBIL score of the borrower/s are 750 and above)
8.75% (if the CIBIL score of the borrower/s are below 750)
PMAY - Pradhan Mantri Awas Yojana (Subject to terms & availability of scheme/refinance) Upto Rs.10,00,000/- 9.75%
Rs.10,00,001/- to Rs.25,00,000/- 8.75% (if the CIBIL score of the borrower/s are 750 and above)
9.00% (if the CIBIL score of the borrower/s are below 750)
Rs.25,00,001/- and above 8.50% (if the CIBIL score of the borrower/s are 750 and above)
8.75% (if the CIBIL score of the borrower/s are below 750)
GENERAL CONSUMPTION LOAN 14.50%
HOME LOAN PLUS - TERM LOAN Irrespective of Amount 11.60%
HOME LOAN PLUS - OD Irrespective of Amount 11.60%
GEL (Gramin Easy loan) Max period -15 years Interest Rate- 11.75% Max loan amount -5 Lakhs
COMMERCIAL BUILDING LOAN 12.50%
RURAL Marketing Outlet 12.00%
MSM CC/OD/TL Below 10 lakhs 11.75%
MSM CC/OD/TL 10 Lakh and above 11.00%
MSS CC/OD/TL Below 10 lakhs 11.75%
MSS CC/OD/TL 10 lakh and above 11.00%
MSR CC/OD/TL Below 10 lakhs 11.75%
MSR CC/OD/TL 10 lakh and above 11.00%
ME CC/OD/TL Below 10 lakhs 11.75%
ME CC/OD/TL 10 lakh and above 11.00%
LE CC/OD/TL Below 10 lakhs 11.75%
LE CC/OD/TL 10 lakh and above 11.00%
MSMECC Scheme based on GST return Irrespective of loan amoun 10.50%
ROAD AND WATER TRANSPORTS 12.50%
PERSONAL VEHICLE LOAN 9.50% if the CIBIL score of the borrower/s are 750 and above (*concession @0.25% on applicable RoI may be given if EM security with sufficient coverage (150%) or Fixed Deposit security (100%) is available)
9.90% (if the CIBIL score of the borrower/s are below 750) (*concession @0.25% on applicable RoI may be given if EM security with sufficient coverage (150%) or Fixed Deposit security (100%) is available)
PVLPT 12%, (*concession @0.25% on applicable RoI may be given if EM security with sufficient coverage (150%) or Fixed Deposit security (100%) is available)
PERSONAL VEHICLE LOAN – Premium Four Wheeler 9.25% (if the CIBIL score of the borrower/s are 750 and above) (*concession @0.25% on applicable RoI may be given if EM security with sufficient coverage (150%) or Fixed Deposit security (100%) is available)
9.75% (if the CIBIL score of the borrower/s are below 750) (*concession @0.25% on applicable RoI may be given if EM security with sufficient coverage (150%) or Fixed Deposit security (100%) is available)
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%
JOINT LIABILITY GROUP - AGRI Irrespective of Amount 11.00%
JOINT LIABILITY GROUP - NF SECTOR 11.00%
JLG KCC Subvention upto 3 lakh 11.00%
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
MERA LOANS TO FARM SECTOR Irrespective of Amount 11.00%
MERA LOANS TO NF SECTOR Irrespective of Amount 11.50%
Above 2 Lakh 14.50%
NRLM WSHG TERRM LOANS OTHERS Upto 5 Lakh 10.50%
Above 5 Lakh 11.50%
NRLM WSHG TERM LOAN SUBVENTION Upto 5 Lakh 10.50%, Of which upto 3 Lakhs interest is 7%
Above 5 Lakh 11.50%, Of which upto 3 Lakhs interest is 7%
NULM SELF EMP.INDIVIDUAL Irrespective of Amount 10.50%
REVOLVING FUND-MERA BENEFICIARY Irrespective of Amount 11.50%
NRLM WSHG CC OTHERS Upto 5 Lakh 10.50%
Above 5 Lakh 11.50%
NRLM WSHG CC SUBVENTION Upto 5 Lakh 10.50%, Of which upto 3 Lakhs interest is 7%
Above 5 Lakh 11.50%, Of which upto 3 Lakhs interest is 7%
REVOLVING FUND GOVT SPONSORED PROGRAM Irrespective of Amount 13.00%
SELF EMPLOYMENT PROGRAM SHG Upto 5 Lakh 11.00%
Above 5 Lakh 11.75%
Self Help Group (SHG) Upto 5 Lakh 11.00%
Above 5 Lakh 11.75%
SHG TERM LOAN Upto 5 Lakh 11.00%
Above 5 Lakh 11.75%
LOANS TO VOLUNTARY AGENCY Irrespective of Amount 12.50%
SHG OD Upto 5 Lakh 11.00%
Above 5 Lakh 11.75%
OD - VOLUNTARY AGENCY Irrespective of Amount 12.50%
Scheme Max Period Interest rate Maximum Loan amount
AGL (Agriculture Gold Loan) 1 year 9.25% Rs. 6 Lakhs
EGL (Easy Gold Loan) 9.25% (Rebate upto 2.1% on interest will be provided at the time of closure based on the repayment conditions)
GLO (Gold Loan Others) 1 year Up to 99999 - 9.99%
For 1 lakh & above -9.6%
Rs. 2 Lakhs
SVTL- KGB SUVARNA (Term Loan) 3 years 9.25% Rs. 25 lakhs
SVOD- KGB SUVARNA (OD) 2 years 9.25% Rs. 25 lakhs
KGB SURYA Irrespective of Amount 9.50% compounded quarterly (Fixed Rate)
GRAMIN RINN MUKTHI AGRI Irrespective of Amount 10.75%
GRAMIN RIN MUKTI NON FARM Irrespective of Amount 10.75%
KGB-Contractor Scheme (KGCOD & KGCTL) Irrespective of Amount 11.75%
INVOKED BANK GUARANTEES Irrespective of Amount 14.00%
BILL PURCHASED ADV - NPA Irrespective of Amount 14.50%
PM SVANidhi Irrespective of Amount 10.60%
Pension Loan Scheme to retired employees of KGB Irrespective of Amount 8.00%
Medical Insurance Premium Loan for Retired Employees of KGB Irrespective of Amount 8.00%
Pradhan Mantri Formalization of Micro Food Processing Enterprises Scheme Irrespective of Amount 10.60%

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