Type of Loan | *Rate of Interest |
---|---|
Kisan Credit Card | 7.00% Onwards |
Gold Loan | 8.50% Onwards |
Housing Loans | 8.45% Onwards |
Home cash Loans | 9.00% Onwards |
Car Loan | 8.50% Onwards |
Mortagage Loans |
10.75% Onwards |
Salary Loan | 13.00% Onwards |
Agriculture Term Loans | 12.00% Onwards |
Educational Loans | For Studies In India 10.50% Onwards Abroad Studies 10.25% Onwards |
Commercial Complex ( HLCC ) | 11.50% onwards |
Mudra Loans | 10.00% Onwards |
Site Loans | 9.50% Onwards |
Sulabh GST | 10.00% Onwards |
Over draft ( Working Capital ) | 10.50% Onwards |
Cash Credit ( Working Capital ) | 10.00% Onwards |
*Rate on interest is subject to scheme guidelines, May change form time to time
II | NON-AGRICULTURE – PRIORITY | ||
---|---|---|---|
1 | Non-MSME categories Loans: Short Term/Term Loans and Composite Loans including OCC/OD & Govt. Sponsored Schemes. |
||
UptoRs. 2.00 lakh | 13.00% | ||
Over Rs. 2.00 lakh to Rs.25.00 lakh | 13.25% | ||
Over Rs. 25.00 lakh | 13.75% | ||
2 | MSME Categories Loans | ||
a. | Without CGTMSE | ||
Upto Rs. 25.00 lakh | 10.50% | ||
Over Rs. 25.00 lakh to Rs.100.00 lakh | 11.00% | ||
Over Rs.100.00 lakh | 11.50% | ||
b. | If Covered under CGTMSE | ||
Up to Rs.10.00 lakh | 11.00% | ||
Rs.10.00 lakh to Rs.50.00 lakh | 11.50% | ||
3 | Mudra Categories Loans:-@ | ||
Up to Rs.10.00 lakh | 12.00% | ||
@ Maximum ceiling limit for Mudra is Rs.10.00 lakh | |||
4 | Education Loan | ||
Upto Rs. 4.00 lakh | 12.50% | ||
Over Rs. 4.00 lakh | 13.50% | ||
5 | Pledge Loan –Traders (Commodities stored in State / Central Ware houses) | ||
UptoRs. 10.00 lakh | 10.50% | ||
Over Rs. 10.00 lakh | 11.25% | ||
6 | Pledge Loan-Traders (other than above- Sl. No 3) | ||
a. | With NCMSL tie up | ||
UptoRs. 2.00 lakh | 10.50% | ||
Over Rs. 2.00 lakh | 11.25% | ||
b. | Without NCMSL tie up | 12.00% | |
7 | Self Help Group (SHG)/Joint Liability Group (JLG) | ||
a | Direct SHG/JLG | 12.50% | |
Direct to women SHG/JLG | 12.50% | ||
Through NGOs SHG/JLG | 12.50% | ||
b. | For SKDRDP & Samuha A/cs (As per FI wing Communication) | 11.50% | |
8 | Swarojgar Credit Cards (SCCs) | 13.00% | |
9 | General Credit Cards (GCCs) | 14.00% | |
10 | Handloom weavers Group (HWGs) | 13.00% | |
11 | Pragathi Saral Suvidha erstwhile PGB | 14.00% | |
12 | Rajiv Gandhi Rural Housing | 10.50% | |
13 | Housing loans | ||
UptoRs. 30.00 lakh | 9.00% | ||
Above Rs.30.00 lakh | 9.50% | ||
New Housing Loan to Salaried class upto Rs.75.00 Lakhs* | 8.60% | ||
New Housing loan to Non-Salaried class upto Rs.75.00 Lakhs* | 8.75% | ||
New Housing loans above Rs.75.00 Lakhs* | 9.50% | ||
*Only for Loans sanctioned on or after 01.04.2019 | |||
14 | Home Loan Plus | 12.50% | |
15 | Solar Lighting | 12.00% | |
16 | Special Salary loan scheme to Anganawadi staff | 12.50% |
III | LENDING SCHEMES OF THE BANK (RETAIL) | ||
---|---|---|---|
1 | Loans to Salaried class including Teachers/Non-teaching profession) | 15.00% | |
2 | Udyam | 14.00% | |
3 | Vehicle Loan (LHV-2 wheelers) (For Personal use) | 12.50% | |
4 | PK Mobile (PMBL - 4 wheelers) (For Personal use) | ||
Upto Rs.10.00 lakh | 9.50% | ||
Over Rs.10.00 lakh | 9.75% | ||
5 | Vyapar | 13.50% | |
6 | Doctors’ Choice | ||
Upto Rs.10.00 lakh | 10.50% | ||
Above Rs.10.00 lakh up to Rs.25.00 lakh | 10.75% | ||
Above Rs.25.00 lakh | 12.25% | ||
7 | Mortgage Loan | 13.00% | |
8 | Loans against approved securities | 13.25% | |
9 | DUAL to customers (No scheme now) | 15.50% | |
10 | Pragathi Krishna Professional Scheme | 11.00% | |
11 | Purchase of site | 14.00% |
IV | NON- PRIORITY | ||
---|---|---|---|
1 | Clean OD / DPN (Including overdrawing in SB/CA A/cs) | 15.50% | |
2 | Term Loan | 15.50% | |
3 | Commercial Complex/ Commercial Real Estate | 14.00% | |
4 | Premises Loan | ||
UptoRs. 2.00 lakh | 13.00% | ||
Over Rs. 2.00 lakh | 13.25% | ||
5 | Gold Loan (CGL) (Non Priority) | 13.00% | |
6 | CDB/BE/Supply Bills | ||
7 | Loans to NNND agents | 13.00% | |
8 | Computer Loan | 15.00% |