Rate of Interest on Loans and Advances

( As on 20/05/2017)

Kisan Credit Card 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%
Agri Gold Short Term Loan Irrespective of Amount 9.95%
KARSHAKA MITHRA OD Irrespective of Amount 13.00%
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%
EDUCATION LOAN With EM Security 12.50% , Rebate of 1% in interest during repayment holiday for prompt service of interest
Without EM Security 13.50% , Rebate of 1% in interest during repayment holiday for prompt service of interest
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%
Pradhan Mantri Awas Yojana(PMAY) Upto Rs. 20 Lakhs 9.45% , interest subsidy shall be admissible for the loan amount availed, subject to a cap of Rs 6 Lac
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%
COMMERCIAL BUILDING LOAN Irrespective of Amount 15.00%
RURAL Marketing Outlet Irrespective of Amount 13.00%
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%
ROAD AND WATER TRANSPORTS Irrespective of Amount 12.00%
PERSONAL VEHICLE LOAN Irrespective 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"
PVLPT Irrespective of Amount 9.95%
PERSONAL VEHICLE LOAN - Premium Irrespective 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"
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 10.50%
JOINT LIABILITY GROUP - NF SECTOR Irrespective of Amount 12.50%
JLG KCC Irrespective of Amount 12.00%
JLG INTEREST SUBVENTION Irrespective of Amount 12.00%, Interest subvention upto 3 lakhs
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 13.00%
MERA LOANS TO NF SECTOR Upto 2 Lakh 14.00%
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%
SELF EMPLOYMENT PROGRAM GROUP Irrespective of Amount 12.00%
SELF EMPLOYMENT PROGRAM SHG Upto 5 Lakh 10.5%
Above 5 Lakh 11.5%
Self Help Group (SHG) Upto 5 Lakh 10.5%
Above 5 Lakh 11.5%
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%
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 LOANS Irrespective of Amount 13.00%
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 12.50%
INVOKED BANK GUARANTEES Irrespective of Amount 15.00%
BILL PURCHASED ADV - NPA Irrespective of Amount 15.00%

OUR KEY PRODUCTS

RECURRING DEPOSIT

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Employees

70,00,000+

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