Interest Rate of All Loan w.e.f. 01/07/2025

Housing Loan

Credit Score ROI(% in p.a.)
Up to Rs.50.00 Lakh Above Rs.50.00 Lakh
Above 725 8.00% 8.25%
8.25% 9.75%
701 to 725 8.25% 8.75%
8.50% 9.00%
676 to 700 8.50% 9.00%
8.75% 9.25%
650 to 675 8.75% 9.25%
9.00% 9.50%

Re-construction of house(MHADA Property)

Re-construction of house (MHADA property) from plinth level by demolishing existing structure

  • * Maximum Tenure – 10 Years
  • * Eligible – maximum 90% of construction cost OR 80% of valuation of property, whichever is less
Credit Score ROI(% in p.a.)
Up to Rs.10.00 Lakhs Up to Rs.25.00 Lakhs
Priority Sector Non-Priority Sector
Above 725 8.50% 9.25%
8.75% 9.50%
675 to 724 8.75% 9.50%
9.00% 9.75%
650 to 675 9.00% 10.00%
9.25% 10.50%

Mortagage Loan

Credit Vision Score ROI(% in p.a.)
Above 725 10.00%
10.25%
701 to 725 10.50%
10.75%
676 to 700 11.00%
11.25%
650 to 675 11.50%
11.75%

In case of Takeover (Canvassing New Business) – 0.50% additional reduction in above eligible rate
OR
If under Priority Sector lending – 0.50% additional reduction in above eligible rate. (Minimum @9.50%) [Either of one reduction will be allowed].

Gold Term Loan

Particulers ROI(% in p.a.)
Term Loan - Up to 2.00 Lakhs 8.50%
Term Loan Above - 2.00 Lakhs 8.75%
Gold Overdraft Up to Rs.5.00 Lakhs 9.25%

Personal Loan

Particulers ROI(% in p.a.)
Priority - Without Deviation 13.50%
Priority - with Deviation 14.00%
Non - Priority - Without Deviation 14.50%
Non - Priority - With Deviation 15.00%

Education Loan

(In India & Abroad) ROI(% in p.a.)
Credit Vision Score
Above 725 8.75%
9.00%
701 To 725 9.00%
9.25%
676 To 700 9.25%
9.50%
650 To 675 9.50%
10.00%

* 0.25% Less for Female & SC / ST Candidates / Minority

Business Loan

Particular
ROI(% in p.a.)
Up to 25.00 Lakhs 9.00%
Loan Above Rs.25.00 Lakhs(ROI Linked to rating exercise,as under)
Particular
ROI(% in p.a.)
Above 90 10.00%
Above 85 to 90 10.25
Above 80 to 85 10.50
Above 75 to 80 10.75%
Above 70 to 75 11.00%
Above 65 to 70 11.25%
Above 60 to 65 11.50%
Above 50 to 60 11.75%
Below 50 13.00%

* New loan – In case of Takeover / MSME New Loans – 0.25% to 0.50% reduction will be consider

MSME Booster (Machinery Purchase)

(MSME Booster (Machinery Purchase) ROI(% in p.a.)
Up to 10.00 Lakhs - Collateral Security Free 11.00%
Up to 50.00 Lakhs - 70% Collateral Security 10.00%

Vehicle Loan

Four Wheeler (Personal Use)
Credit Vision Score New Vehicle Used Vehicle
Above 750 9.00% 9.50%
700 To 749 9.10% 10.00%
650 To 699 9.40% 10.50%
Two Wheeler Loan
Particular ROI(% in p.a.)
Commercial Vehicle Revised – 10.50%
1) Up to Rs.10.00 Lakh No Collateral Security
2) Above Rs.10.00 Lakhs 50% to 75% Collateral (Immovable) security
3) Above Rs.50.00 Lakh 75% Collateral (Immovable) security

* Loan Tenure (Repayment period) – Max 7 years
* [All electric Vehicles - Loan tenure is 5 to 7 Years Maximum (as per warranty period)]

Aatamanirbhar

Particular ROI(% in p.a.)
Existing Buisness Enterprenuer Start-up Buisness Enterprenuer
Without Deviation With Deviation Without Deviation With Deviation
Priority Sector 10.50% 11.00% 11.00% 11.50%
Non Priority Sector 11.50% 12.00% 12.00% 12.50%

Jan Udyog

ROI(% in p.a.) Collateral Security Loan Tenure Charges
Revised
9.50% Equal AND/OR more than 200% Overdraft Facility
Renewable every year and Interestto be served monthly		 Share Money Applicable
2.50%of the limit/loan Sactioned
10.00% Equal Or more than 150% AND/OR Lower than 200% Term Loan
Maximum 5 year subject to rules and regulation and bank policy		 Processing fees Applicable
0.50%(+ GST) For new account 0.25%(+ GST) For Renewal OD limit

*Top-Up Loan (for Insurance Premium) Up to Rs.5.00 Lakh
*Circular Dt.30/08/2023 (Board meeting Dt.29/082023)
*ROI – Same as Base Loan