Interest rate
Total Views |
| Sr.no | Types of Loans | Rate of Interest | |
| A | |||
| Secured Loans against Liquid Security | |||
| Loan/OD against Own Deposit | 1.00% above the Rate of Interest on Deposit | ||
| Loan/OD against Third-Party Deposit | 1.00% above the Rate of Interest on Deposit | ||
| Loan/OD Against NSC/Govt. Securities/Insurance Policies Personal Loan | 7.75% p.a. | ||
| B | |||
| Personal Loan | |||
| Priority Sector Lending | 11.00% p.a to 12.00 % p.a | ||
| Non-Priority Sector Lending | 13.00% p.a to 14.00% p.a | ||
| Salary Deduction Loan | 12.00 % p.a | ||
| Personal Loan (Railway Loan) | 15.00 % p.a | ||
| C | |||
| Gold Loan | |||
| Up to 2.00 Lakhs | 7.25% p.a. | ||
| Above 2.00 Lakhs | 7.75% p.a. | ||
| D | |||
| Housing Loan | |||
| Up to Rs.35.00 Lakhs | 7.75% p.a.* | ||
| Above Rs.35.00 Lakhs to Rs.140 | 8.25% p.a.* | ||
| E | |||
| Re-construction of House (MHADA property) | |||
| Up to Rs.10.00 Lakhs (Priority Sector) | 8.00% p.a.* | ||
| Up to Rs.25.00 Lakhs (Non-Priority Sector) | 9.50% p.a.* | ||
| F | Mortgage Loan | 10.00% p.a. | |
| G | Education Loan | 8.50% p.a.* | |
| H | Savitribai Phule Education Loan Scheme (up to Rs.2.00 Lakhs) | 10.00% p.a.* | |
| I | |||
| Vehicle Loan | |||
| a) Four Wheeler (Personal Use): | |||
| Period | Rate of Interest | Margin | |
| Repayment up to 3 Years | 9.00% | Margin to Loan 10.00% p.a.* | |
| Repayment up to 5 Years | 9.15% | ||
| Repayment up to 7 Years | 9.40% | Margin to Loan 15.00% p.a.* | |
| b) Two Wheeler Loan : | 13.00% p.a.* | ||
| c) Commercial Vehicle | 14.00% p.a.* | ||
| c) Auto Rickshaw | 15.00% p.a.* | ||
| J | Aatmanirbhar Scheme (Business Loan)-upto Rs.5.00 Lakhs | ||
| Existing Business Entrepreneur | 10.00% p.a. to 11.50% p.a. | ||
| Start-up Business Entrepreneur | 10.50% p.a. to 12.00% p.a. | ||
| K | Jana Udyog Scheme (Business Loan) - up to Rs.25.00 Lakhs | ||
| Collateral Security - Equal AND/OR more than 200% | 10.00% p.a. | ||
| Collateral Security - Equal or More than 150% AND/OR Lower than 200% | 10.50% p.a. | ||
| L | MSME Booster (Machinery Purchase) | ||
| Loan upto 10.00 Lakh (Collateral 11.00% p.a. Security Free) | 11.00% p.a. | ||
| Loan upto 50.00 Lakh (70% Collateral Security) | 10.00% p.a. | ||
| M | Business Loan | ||
| Working Capital Term Loan/ MSME/Overdraft Limit / Cash Credit Limit - Up to 25.00 Lakh | 8.50% p.a.* | ||
| Working Capital Term Loan / MSME / Overdraft Limit / Cash Credit Limit - Above 25.00 Lakhs | 12.50% p.a. (Further relaxation in ROI will be subject to rating of the account) | ||