Advance (effectiv from 01-05-2023) |
Rate of Intt.(On daily reducing Bal.) |
Monthly Instalment (per lac) |
1) |
Personal Loan (Govt./Semi Govt. employees & employees of approved institutions) |
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1. Up to Rs. 5.00 lacs |
14.00% P.A. |
2330 (5 years) |
2.) |
House loan-(For Purchase, Construction , Repair & Takeover) |
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(A) Residential purpose |
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1. Up to Rs.20.00 lacs |
8.50% P.A. |
870 (20 years) |
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2. Above Rs.20.00 lacs Less than Rs.50.00 lacs |
8.25% P.A. |
855 (20 years) |
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3. Rs.50.00 Lacs and Above |
8.00% P.A. |
840 (20 years) |
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(B) Commercial Purpose |
11.00% P.A. |
1035 (20 years) |
3.) |
Vehicle Loan |
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(A) Personal use |
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1. Up to Rs.10.00 Lacs |
8.00% P.A. |
1560(7 Years) |
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2. Above Rs.10.00 lacs (secured against property) |
7.50% P.A. |
1535(7 Years) |
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(B) Commercial use |
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1. Up to Rs.10.00 Lacs |
9.00% P.A. |
1610( 7 Years) |
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2. Above Rs.10.00 lacs (secured against property) |
8.50% P.A. |
1585 (7 Years) |
4.) |
Cash Credit(Hyp.) Limit |
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1. Up to Rs. 5.00 lacs |
14.00% P.A. |
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2. Up to Rs.5.00 lacs (secured against property) |
13.00% P.A. |
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3. Above Rs.5.00 lacs and Less than Rs.10.00 lacs (secured against property) |
12.00% P.A. |
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4. Rs.10.00 lacs and Above Less than Rs.25.00 lacs (secured against property) |
11.00% P.A. |
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5. Rs.25.00 lacs and Above Less than Rs.75 lacs (secured against property) |
9.00% P.A. |
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6. Rs.75 lacs and Above (secured against property) |
8.50% P.A. |
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5.) |
Mortgage Loan/Mortgage CC limit |
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1. Less then Rs.25.00 lacs |
12.00% P.A. |
1250 (15 year) |
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2. Rs.25.00 lacs and Above less then Rs.50.00 lacs |
10.25% P.A. |
1090 (15 year) |
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3. Rs.50.00 lacs and Above less then Rs.1 crore |
9.50% P.A. |
1045 (15 year) |
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4. Rs.1 crore and Above |
8.50% P.A. |
985 (15 year) |
6.) |
Business Loan (M.T.Loan) |
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1. Up to Rs. 5.00 lac |
14.00% P.A. |
2330 (5 year) |
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2. Up to Rs.5.00 lacs (secured against property) |
13.00% P.A. |
2280 (5 year) |
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3. Above Rs.5.00 lacs Less than Rs.10.00 lacs (secured against property) |
13.50% P.A. |
2305 (5 year) |
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4. Rs.10.00 lacs and Above Less than Rs.25.00 lacs (secured against property) |
12.50% P.A. |
2250 (5 year) |
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5. Rs.25.00 lacs and Above Less than 50.00 lacs (secured against property) |
11.00% P.A. |
2175 (5 year) |
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6. Rs.50.00 lacs and Above (secured against property) |
9.50% P.A. |
2105 (5 year) |
7.) |
Loan for Solar Penal |
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1. Up to Rs. 3.00 lac |
9.50% P.A. |
1635 (7 year) |
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2. Above Rs.3.00 lacs (secured against property) |
8.50% P.A. |
1585 (7 year) |
8.) |
Gold loan (Ornaments) |
8.00 % P.A. |
For 12 months |
9.) |
Loan against NSC |
8.50% P.A |
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10.) |
Education Loan |
9.00% P.A |
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11.) |
Loan /C.C. againts Time Deposit with bank |
1% above the rate applicable on deposit |
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