Period | General | Senior Citizen |
07 Days TO 45 Days | 3.50% | 4.00% |
46 Days TO 179 Days | 5.00% | 5.50% |
180 Days TO 210 Days | 5.75% | 6.25% |
211 Days to less than 1 Year | 6.25% | 6.75% |
1 Year To less than 2 Years | 7.25% | 7.75% |
2 Years To less than 749 Days | 7.25% | 7.75% |
750 Days | 7.25% | 7.75% |
751 Days to Less Than 3 Years | 7.25% | 7.75% |
3 Yeays To Less Than 5 Years | 6.75% | 7.25% |
60 Months to Less Than 75 Months | 6.75% | 7.25% |
75 Months | 6.75% | 7.25% |
Above 75 Months UPTO 10 Years | 6.75% | 7.25% |
Fixed Deposit 80 C & Samruddhi Deposit 80 C | 6.75% | 7.25% |
Sukanaya Samrudhi Deposit | 6.00% | - |
Period | General | Senior Citizen |
07 Days TO 45 Days | 3.90% | 4.40% |
46 Days 179 Days | 4.65% | 5.15% |
180 Days To 210 Days | 5.15% | 5.65% |
211 Days to less than 1 Year | 5.65% | 6.15% |
1 Year To less than 2 Years | 6.40% | 6.90% |
2 Years To less than 3 Years | 5.65% | 6.15% |
3 Years to less than 5 Years | 5.65% | 6.15% |
5 Years to 10 Years | 5.40% | 5.90% |
Interest Rate | Customer | Amount | Return Amount |
6.75% | General Customer | 71,600/- | 1,00,061/- |
7.25% | Senior Citizen | 69,900/- | 1,00,115/- |
Saving Schemes | Interest Rate |
Saving Interest Rate | 3.00% |
Saving Deposit Minimum Balance | Rs. 1000/- |
Loan Type | Interest Rate | Margin % | |
---|---|---|---|
1) | Loan Against Fixed Deposit | Extra Deposit Rate | |
A) Against Self Deposit | 15 | ||
1) upto 9,99,999/- | 2% | ||
2) 10,00,000/- to 3,00,00,000/- | 1% | ||
3) above 3,00,00,000/- | 1% | ||
B) Against Third Party Deposit | 3% | ||
2) | GOLD LOAN (CC & TL) | 10 | 25 |
3 | Loan Against NSC, KVP, LIC | ||
A) Loan Against LIC Policy (CC & TL) | 11% | 20 | |
B) Loan Against NSC/KVP (CC & TL) | 11% | 10 To 50 | |
4 | Real Estate | ||
A) Other (Agriculture, Agri Equipments, Etc) | 25 | ||
1. Agri Land Purchase and Development | 12.00% | ||
2. Other Loan Repayment | 13.00% | ||
B) Builders and Developers (Real Estate Finance) | 25 | ||
Residential / Commercial Construction, Land Development | |||
--> 1st Project | 14% | ||
--> 2nd to 4th Project | 13.25% | ||
--> 5th & Above Project | 12.50% | ||
C) House Repair | 12.00% | 25 | |
E) House Demolish And Redevelopement | 10.50% | 25 | |
5) | Miltch Cattle | 35 | |
1) Amrutdhara and Mahila Bachat Gat | 12.00% | ||
6 | Shikshan Sanwardhini Loan (Education Loan) | 10.00% | 10 |
7 | Hyp. Vehicle Loan | ||
A) Old 4 Wheeler (Personal Use) | 12.50% | 50 | |
B) Old 4 Wheeler ( Commercial Use) | 13.00% | ||
8 | Hyp. Other Loan | ||
A) Purchase of new furniture, interior | 13.00% | 25 | |
9 | Hundi Purchase and Hundi | 12.00% | 25 |
10 | SugarCane Crop Secured Loan | 11.00% | 25 |
11 | Sulabh Loan Scheme (Clean Loan) | 14.00% | 25 |
12 | ShubhVivah Loan Scheme | 12.00% | 30 |
13 | Utkarsh Karj Yojana | 35 | |
A) Residential N.A./ Guntevari plot | 12% | ||
14 | Housing Loan Top-Up Scheme | 11.00% | 75 |
15 | Travel Loan | 11.00% | 30 |
16 | Pledge Term Loan and CC | 30 | |
1) If Sharelinking 2.50% of Sanctioned Loan | 10.00% | ||
2) If Sharelinking Below 2.50% of Sanctioned Loan | 10.50% | ||
3) Upto 50 Lakh | 12.00% | ||
2) Above 50 Lakh | 12.00% | ||
17 | BACHAT GAT - PIGMI LINKED LOAN | 13% | |
18 | TOD (Ad-Hoc Limit) | 3% Above Of Sanctioned Interest Rate. |
Loan Type | INTEREST RATE | MARGIN % | ||
---|---|---|---|---|
1 | 1)MSME Loan | |||
1. Industrial TL/ Cash Credit | ||||
2) Term Loan/ CC | ||||
3) Hyp. Book Debts CC Loan | ||||
4) Secured Cash Credit (Other) Loan | ||||
5) Shop/Office Purchase/Renowation/Repair Loan | ||||
6) WCTL | ||||
A) Manufacturing & Service Sector (Except Trading Activity) | ||||
I) Micro Enterprises | 9.70% | 25 | ||
II) Small & Medium Enterprises | 10.20% | |||
B) Service Sector - Trading Activity* | ||||
I) Micro Enterprises | 10.50% | 25 | ||
II) Small & Medium Enterprises | 11.00% | |||
2) Other Than MSME | 12.00% | 25 | ||
* MSME - Trading Activity (If Below 3 Conditions Does Not Satisfy) | ||||
1) CIBIL Score/Rank - Above 700 Or CMR Below 3 2) DE Ratio - Below 1:1 3) Security - 100% NA Property |
11.90% | 25 | ||
2 | Real Estate Loan | |||
A) Housing Loan | ||||
1. CIBIL Score = 751 - 900 | 8.99% | 25 | ||
2. CIBIL Score = 701 - 750 | 9.50% | |||
3. CIBIL SCore = 651 to 700 | 10% | |||
4) CIBIL SCore = 600 to 650 | 10.50% | |||
5) CIBIL SCore = -1 | 10.00% | |||
3 | DHANWANTARI Karj Yojana | |||
1. CIBIL Score = 751 - 900 | 10.00% | 25 | ||
2. CIBIL Score = 701 - 750 | 10.25% | |||
3. CIBIL SCore = 651 to 700 | 10.50% | |||
4) CIBIL SCore = 600 to 650 | 10.75% | |||
5) CIBIL SCore = -1 | 10.50% | |||
4 | Hyphotecation Vehicle Loan | |||
A) NEW TWO WHEELER (Max Tenure 5 Years And For Electric Vechile Max Tenure 3 Years) | 11.00% | 10 | ||
B) NEW 4 Wheeler Purchase (Personal Use) | ||||
I) Loan Tenure Upto 5 Years | ||||
1. CIBIL Score = 751 - 900 | 8.95% | 10 | ||
2. CIBIL Score = 701 - 750 | 9.50% | |||
3. CIBIL SCore = 651 to 700 | 10.00% | |||
4) CIBIL SCore = 600 to 650 | 10.25% | |||
5) CIBIL SCore = -1 | 10.00% | |||
II) Loan Tenure Above 5 and Upto 7 Years | ||||
1. CIBIL Score = 751 - 900 | 10.95% | 10 | ||
2. CIBIL Score = 701 - 750 | 11.50% | |||
3. CIBIL SCore = 651 to 700 | 12.00% | |||
4) CIBIL SCore = 600 to 650 | 12.25% | |||
5) CIBIL SCore = -1 | 12.00% | |||
C) NEW COMMERCIAL VEHICLE LOAN (Truck, Rickshaw, Tractor, Etc) | ||||
CONSUMER CIBIL BASED (INDIVIDUAL BORROWER)
COMMERCIAL CIBIL BASED (NON-IND BORROWER)
|
||||
LOAN TENURE 5 YEARS AND UPTO 15 LAKH | ||||
1. CIBIL Score = 751 - 900
CMR 1 & 2 |
10.65% | 25 | ||
2. CIBIL Score = 701 - 750
CMR 3 |
10.90% | |||
3. CIBIL SCore = 651 to 700
CMR 4 |
11.15% | |||
4) CIBIL SCore = 600 to 650
CMR 5 to 7 |
11.40% | |||
5) CIBIL SCore = -1
NULL |
10.90% | |||
LOAN TENURE 5 YEARS TO 7 YEARS AND ABOVE 15LAKH | ||||
1. CIBIL Score = 751 - 900
CMR 1 & 2
|
12.65% | 25 | ||
2. CIBIL Score = 701 - 750
CMR 3
|
12.90% | |||
3. CIBIL SCore = 651 to 700
CMR 4
|
13.15% | |||
4) CIBIL SCore = 600 to 650
CMR 5 TO 7
|
13.40% | |||
5) CIBIL SCore = -1
NULL |
12.90% | |||
5 | Suvidha Loan Scheme(LAP, CCAP, WCTLAP) | - | ||
1. CIBIL Score = 701 - 900 | 12.00% | |||
1. CIBIL Score = 600 - 700 | 13.00% | |||
1. CIBIL Score = -1 | 13.00% | |||
6 | Rent Discounting Loan Scheme | |||
1. Rent From Govt/Semi Govt./Pvt/Public Ltd Co./Bank | 11.10% | 33.33 | ||
2. Rent From Individual /Firm/ Partnership Firm/ Propritery/ Etc | 12.10% | |||
7 | Professional Loan (CA, Lawyer, Architect, Company Secretary, ICWA, Etc) | |||
1) Office Space/Furniture/Machinery | 25 | |||
CIBIL Score = 751 - 900 | 10.00% | |||
CIBIL Score = 701 - 750 | 10.25% | |||
CIBIL Score = 651 - 700 | 10.50% | |||
CIBIL Score = 600 - 650 | 10.75% | |||
CIBIL Score = -1 | 10.50% |
*Conditions Apply
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