Interest Rates

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 (A)Deposits ( Effective from 18-10-2021 ) Rate
Fixed Deposits Rates Gen. Public Senior Citizen
1.) 15 Days to 180 Days 3.50% 3.50%
2.) 181 Days to Less then one year 4.50% 4.50%
3.) One Year & Above to 5 Years 5.75% 6.25%
4.) More than 5 year and upto 10 year 5.50% 6.00%
5.) Saving All 3.50% 3.50%
*Applicable on fresh deposits & Renewals.
*1% penalty on premature payment.

*Rates are subject to change.

 Advances ( Effective from 30-10-2021 ) Rate of Intt.(On daily reducing Bal.) Monthly Instalment (per lac)
1) Personal Loan (Govt./Semi Govt. employees & employees of approved institutions)
1. Up to Rs. 3.00 lacs (without property) 14.00% P.A. 2330 (5 years)
2. About Rs. 3.00 lacs Up to Rs. 5.00 lacs (with property)
2.) House Loan
(A) Residential purpose
1. Up to Rs.20 lacs 8.00% P.A. 840 (20 years)
2. Above Rs.20 lacs Less then Rs.50.00 lacs 7.50% P.A. 810 (20 years)
3. Rs.50.00 lacs and Above 7.00% P.A. 780 (20 years)
(B) Commercial Purpose 11.00% P.A. 1035 (20 years)
3.) Vehicle Loan
(A) Personal use
1. Up to Rs.5.00 lacs (without property) 8.00% P.A. 2030 (5 years)
2. Above Rs.5 lacs (with property) 7.50% P.A. 2005 (5 years)
(B) Commercial use
1. Upto Rs.5.00 lacs (without property) 9.00% P.A. 2080 (5 years)
2. Above Rs. 5 Lacs (with property) 8.50% P.A. 2055 (5 years)
4.) Cash Credit(Hyp.) Limit
1. Up to Rs.2.00 lacs (without property) 14.00% P.A.
2. Less then Rs.10.00 lacs (with property) 11.00% P.A.
3. Rs.10.00 lacs and Above less then Rs.25.00 lacs (without property) 10.00% P.A.
4. Rs.25.00 lacs and Above Less then Rs.75.00 lacs (with property) 8.50% P.A.
5. Rs.75.00 lacs and Above less then Rs.1 crore (with property) 7.75% P.A.
6. Rs.1 crore and Above (with property) 7.50% P.A.
5.) Mortgage Loan/Mortgage CC limit
1. Less then Rs.25.00 lacs 11.50% P.A. 1170 (15 year)
2. Rs.25.00 lacs and Above less then Rs.50.00 lacs 9.90% P.A. 1070 (15 year)
3. Rs.50.00 lacs and Above less then Rs.1 crore 9.30% P.A. 1035 (15 year)
4. Rs.1 crore and Above 8.00% P.A. 960 (15 year)
6.) Business Loan (M.T.Loan)
1. Up to Rs.2.00 Lac (without property) 14.00% P.A. 2330 (5 year)
2. Less then Rs.10.00 lacs (with property) 13.00% P.A. 2280 (5 year)
3. Rs.10.00 lacs and Above less then Rs.25.00 lacs (with property) 12.00% P.A. 2225 (5 year)
4. Rs.25.00 lacs and Above less then Rs.50.00 lacs (with property) 10.50% P.A. 2150 (5 year)
5. Rs.50.00 lacs and Above (with property) 9.00% P.A. 2080 (5 year)
7.) Loan for Solar Penal
1. Up to Rs.3.00 lacs (without property) 9.50% P.A. 1635 (7 year)
2. Above Rs.3.00 lacs (with property) 8.50% P.A. 1585 (7 year)
8.) Loan againts NSC 8.50% P.A
9.) Education Loan 10.00% P.A
10.) Loan /C.C. againts Time Deposit with bank 1% above the rate applicable on deposit