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Serial
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Particular
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Present Rate of Interest (%) Effective from 01.06.2011
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Amended Rate of Interest (%) Effective from 25.07.2011
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1
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Priority Sector
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1.1
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Agriculture and Allied Sector
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1.1.1
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Crop Loan/Gramin Green Card (Up to Rs. 3.00 lakh)
(For loans over Rs.3.00 lakh Rate of Interest for other than agriculture will be applied)
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7.00+2.50*
* For new disbursed loan, on Due date or before one year which is earlier the rate of int. will be @7.00%
-In case of overdue the rate of intt. will be @9.50%
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7.00+1.50*
* For new disbursed loan, on Due date or before one year which is earlier the rate of int. will be @7.00%
-In case of overdue the rate of intt. will be @8.50%
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1.1.2
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Other Ag. Loan(except Gramin Godown and cold Storage)
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1.1.2.1
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Up to Rs.50000.00
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10.25
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11.00
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1.1.2.2
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From Rs.50001.00 to Rs. 2.00 lakh
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11.00
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11.00
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1.1.2.3
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From Rs.200001.00 to Rs. 5.00 lakh
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12.25
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13.50
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1.1.2.4
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From Rs.500001.00 to Rs. 25 lakh
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13.00
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13.50
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1.1.2.5
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For More than Rs.25.00 lakh
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13.25
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13.50
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1.1.3
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Gramin Godown and Cold Storage
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1.1.3.1
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Up to Rs.50000.00
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10.75
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11.75
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1.1.3.2
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From Rs.50001.00 to Rs. 2.00 lakh
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11.00
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11.75
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1.1.3.2
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For More than Rs.2.00 lakh
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11.50
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12.25
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1.2
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Small and Medium Enterprise(SME)
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1.2.1
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Small and Medium(Manufacturing) Enterprise/Small industry (including Fix Capital and Cash Credit)
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1.2.1.1
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Up to Rs.50000.00
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10.25
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10.25
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1.2.1.2
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From Rs.50001.00 to Rs. 2.00 lakh
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11.00
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11.50
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1.2.1.3
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From Rs.200001.00 to Rs. 5.00 lakh
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12.75
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13.50
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1.2.1.4
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For more than Rs.5.00 lakh upto 25.00 lakh
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Loan limit for Working Capital
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13.25
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14.00
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Term Loan for more than One Year
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14.50
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15.50
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For More than Rs.5.00 lakh
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Loan limit for Working Capital
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14.75
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14.75
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Term Loan for more than One Year
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14.75
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14.75
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1.2.2
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Small & Medium( Service) Enterprise
Small Business, Retail Trade, Self Employed/Professional (P&SE) and Road Transport
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1.2.2.1
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Up to Rs.50000.00
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10.00
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11.50
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1.2.2.2
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From Rs.50001.00 to Rs. 2.00 lakh
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10.25
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11.50
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1.2.2.3
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From Rs.200001.00 to Rs. 5.00 lakh
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12.50
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15.00
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1.2.2.4
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From Rs.500001.00 to Rs. 25 lakh
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1.2.2.4.1
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Term Loan
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13.00
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15.00
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1.2.2.4.2
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Cash Credit
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13.00
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15.00
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1.2.2.5
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Trade Finance for more than Rs.25.00 lakh
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1.2.2.5.1
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Term loan Repayble in installment beyond 1 Year
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14.00
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15.25
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1.2.2.5.2
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Cash Credit
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13.00
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15.25
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1.2.3
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1.2.3.1
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Education Loan for Boys
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1.2.3.1.1
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Up to Rs.4.00 lakh
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13.00
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14.00
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1.2.3.1.2
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From Rs.400001.00 to Rs.7.50 lakh
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13.50
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14.50
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1.2.3.1.3
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For more than Rs.7.50 lakh
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13.00
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13.75
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1.2.3.2
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Education Loan for Girls
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1.2.3.2.1
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Up to Rs.4.00 lakh
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12.00
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13.50
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1.2.3.2.2
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From Rs.400001.00 to Rs.7.50 lakh
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12.50
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14.00
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1.2.3.2.3
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For more than Rs.7.50 lakh
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12.00
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13.25
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1.2.4
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House Loan, Apna Ghar (According to recovery period) for up to Rs.25.00 lakh
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1.2.4.1
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Recovery period up to 5 years
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10.25
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10.75
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1.2.4.2
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From More than 5 years up to 10 years
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10.50
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11.00
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1.2.4.3
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For more than 10 years
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10.75
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11.25
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1.3
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Self Help Group
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1.3.1
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Up to Rs.4.00 lakh
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10.75
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11.00
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1.3.2
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For more than Rs.4.00 lakh
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12.00
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12.75
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(Please note that in case of SHG under SJSY interest will be fixed on the basis of average loan per member)
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1.4
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Other priority Sector Loan
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1.4.1
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Up to Rs.50000.00
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13.00
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13.50
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1.4.2
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From Rs.50001.00 to Rs. 2.00 lakh
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13.75
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14.25
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1.4.3
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For more than Rs.2.00 lakh
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15.25
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15.75
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2
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Non Priority Sector Advances
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2.1
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Retail Banking
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2.1.1
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House Loan-Apna Ghar (as per recovery period) above Rs.25.00 lakh
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2.1.1.1
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Up to 5 years
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10.75
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11.50
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2.1.1.2
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More than 5 years and up to 10 years
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11.00
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11.75
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2.1.1.3
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More than 10 years
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11.25
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12.00
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2.1.2
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Apna Swasthya
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13.00
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14.25
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2.1.3
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Apna Aaram
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14.00
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17.00
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2.1.4
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Jan Samriddhi
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14.50
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17.00
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2.1.5
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Loan Against Pension
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2.50%
Per month
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18.00
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2.1.6
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LPG Loan
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14.50
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15.00
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2.1.7
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Consumer Loan
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15.00
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17.00
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2.1.8
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Solar Water Heater System
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-
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12.75
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2.1.9
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Loan against Rent
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15.00
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16.25
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2.1.10
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Gramin Credit Card
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14.50
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11.50
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2.1.11
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Sulabh Sakh Yojana
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14.50
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18.00
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2.1.12
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Arogya Sudhar Yojana
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14.50
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11.50
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Loan Against Mortgaged Property
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Term Loan
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15.50
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16.75
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Cash Credit Loan
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14.50
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16.75
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2.1.13
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Consumer Vehicle Loan
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2.1.13.1
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Under Tie-up Arrangement
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2.1.13.1.1
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Four Wheel Vehicle
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11.00
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12.25
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2.1.13.1.2
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Two Wheel Vehicle
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13.50
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15.00
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2.1.13.2
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Under Non Tie-up Arrangement
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2.1.13.2.1
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Four Wheel Vehicle
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11.50
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12.25
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2.1.13.2.2
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Two Wheel Vehicle
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13.50
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15.00
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2.1.14
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Loan Against Term Deposits
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2.1.14.1
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Loan availed by Depositor himself
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2% above Deposit Rate
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2% above Deposit Rate
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2.1.14.2
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Loan availed by third party
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3% above Deposit Rate
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3% above Deposit Rate
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2.1.15
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NSC/KVP/ Surrender policy of LIC Policy/term loan against other government securities/SOD
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16.00
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17.00
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2.1.16
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TOD/WAE/EXCESS OVER LIMIT
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16.00
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17.00
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2.2
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Other Non Priority Sector Loan
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2.2.1
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Up to Rs.50000.00
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12.00
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14.00
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2.2.2
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From Rs.50001.00 to Rs. 2.00 lakh
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14.50
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16.00
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2.2.3`
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For more than Rs.2.00 lakh
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16.00
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17.00
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