Loan & Interest Rates

Sl.No.

Type of  Diversified   Loans

Rate of interest
Existing
Revised

Bank to Society

Beneficiary level

Bank to Society

Beneficiary level

1) FARM LOAN
a)Minor Irrigation & Farm Mechanisation / Agril. allied / other  Agril / fishery(Where 100% cash security is offered) 9.25 9.75 9.80 10.30
b)Minor Irrigation & Farm Mechanisation / Agril. allied / other Agril/ fishery 10.25 10.75 10.80 11.30
2) NON FARM LOAN
a)Term Loan ISB / Small Traders(Where 100% cash security is  offered) 9.25 9.75 9.80 10.30
b)Term Loan ISB / Small Traders 10.25 10.75 10.80 11.30
c)Transport / SRTO (Where 100% cash security is offered) 9.25 9.75 9.80 10.30
d)Transport / SRTO 10.25 10.75 10.80 11.30
3)(a)(i) HOUSING LOAN (CLS) (Through ECCS) (Where salary A/C is with other Bank)
a)Upto 5 years 7.75 7.90 8.60 8.80
b)Above 5 yrs. To 10 yrs. 8.00 8.15 8.70 8.90
c)Above 10 yrs. to 15 yrs. 8.20 8.35 8.80 9.00
d)Above 15 yrs. 8.30 8.45 8.90 9.10
3)(a)(ii) HOUSING LOAN (CLS) (Where salary A/C is with our Bank)
a) Upto 5 yrs. 7.50 7.65 8.40 8.60
b) Above 5 yrs. To 10 yrs. 7.75 7.90 8.50 8.70
c) Above 10 yrs. to 15 yrs. 7.95 8.10 8.60 8.80
d)Above 15 yrs. 8.05 8.20 8.70 8.90
3)(b) HOUSING LOAN (CLS) (DIRECT) Salary  with other  Bank Salary with our Bank Salary  with other  Bank Salary with our bank
a) Upto 5 years 8.00 7.60 8.95 8.65
b) Above 5 yrs. To 10 yrs. 8.25 7.85 9.05 8.75
c) Above 10 yrs. to 15 yrs. 8.40 8.05 9.15 8.85
d) Above 15 yrs. 8.50 8.15 9.25 8.95
3)(c)(i) HOUSING LOAN RENOVATION

(Where salary A/C is with other Bank)

Bank to society Beneficiary level Bank to society Beneficiary level
10.50 11 11.00 11.30
3)(c)(ii) HOUSING LOAN RENOVATION

(Where salary A/C is with our Bank)

Bank to society Beneficiary level Bank to society Beneficiary level
10.00 10.50 10.50 10.80
3)(d) RURAL HOUSING LOAN 9.75 10.25 10.30 10.80
 

Salary  with other  Bank Salary with our Bank Salary  with other  Bank Salary with our bank
3)(e) H.B TOP UP(Direct) 10.30 9.50
 

Bank to society Beneficiary level Bank to society Beneficiary level
  H.B TOP UP(through Socy) 9.80 10.00
 

4)(a) CASH CREDIT SOCIETY Bank to society Beneficiary level Bank to society Beneficiary level
a) Productive Lending / Business 10.50 11.30
b) Weavers – NABARD 10.50 11.30
c) Engineering /  Labour Contract 12.00 13.00
d) PDS/ Consumers’ Coop. 11.50 12.50
 
4)(b) CASH CREDIT INDIVIDUAL (Indiv. /Company/ Institutions) 10.50 10.90
4)(c) TINY CASH CREDIT 9.50 10.50
5) SELF HELP GROUP Bank to society Beneficiary level Bank to society Beneficiary level
Through PACS 9.00 11.00 9.00 11.00
Direct / SGSY 11.00 11.00
6)(a)

 

MIDDLE TERM NON AGRIL LOAN Bank to society Beneficiary level Bank to society Beneficiary level
a)Through ECCS

(Where salary account is not with our bank)

10.60 10.90/11.00 10.90 11.30
b)Through ECCS

    (Where salary account is with our bank)

10.35 10.65/10.75 10.70 11.10
6)(b)

 

a)MT Non Agril Loan (Direct) (Where salary A/C is not  with our Bank) 12.50 12.90
b)MT Non Agril Loan (Direct) (Where salary A/C is   with our Bank) 11.25 11.90
6)(c)

 

MT Loan through PACS Bank to society Beneficiary level Bank to society Beneficiary level
a) MT Non Agril Loan through PACS (Where Salary A/C with our Bank 10.35 10.75 10.60 11.10
b)  MT Non Agril Loan through PACS( Where Salary A/C is not with our bank 12.00 12.50 12.45 12.95
6)(d) MT Non Agril Loan to PACS Personnel 9.50 10.00
7) Demand Loan (Gold) 8.99 8.99
8) LOAN AG. NSC / KVP / LIP              10.00 10.00
9) CONSUMER DURABLES LOAN Bank to society Beneficiary level Bank to society Beneficiary level
a)Where 100% cash security is offered 9.25 9.75 9.90 10.90
b)Cons. Dur. Loan General 10.25 10.75 10.90 11.90
 
10) S.T. NON AGRIL LOAN (To Contractor) 12.00 12.50 12.00 12.50
11) Festival Advance 9.00 9.50 9.75 10.25
12) LOANS UNDER SVSKP / PMEGP 11.50 12.00 12.50 13.00
13) PLEDGE LOAN Bank to society Beneficiary level Bank to society Beneficiary level
a)Repayment of S.T.Crop loan 9.50 11.50 9.50 11.50
b)Commercial 13.50 16.50 13.50 16.50