| |
Rate of Interest on Advances |
|
| Sr.No. |
PARTICULARS |
Rate of Interest |
| 1 |
Priority Sector |
|
| 1.1 |
Agriculture |
|
| 1.1.1 |
Crop Loan/Gramin Green Card (Up to Rs.3.00 Lakh) (For more than Rs.3.00 Lakh the rate of interest of Other Agriculture Loan will apply.) |
7.00+1.50* |
| 1.1.2 |
Other Agriculture Loans (Excluding GraminWarehouse and Cold Storage) |
|
| 1.1.2.1 |
Up to Rs.50,000.00 |
10.75 |
| 1.1.2.2 |
From Rs.50,001.00 upto Rs.2.00 Lakh |
10.75 |
| 1.1.2.3 |
From Rs.200,001.00 upto Rs.5.00 Lakh |
13.25 |
| 1.1.2.4 |
From Rs.500,001.00 upto Rs.25.00 Lakh |
13.25 |
| 1.1.2.5 |
More than Rs.25.00 Lakh |
13.25 |
| 1.1.3 |
Gramin Ware House and Cold Storage |
|
| 1.1.3.1 |
Up to Rs.50,000.00 |
11.50 |
| 1.1.3.2 |
From Rs.50,001.00 upto Rs.2.00 Lakh |
11.50 |
| 1.1.3.3 |
More than Rs.2.00 Lakh |
12.00 |
| 1.2 |
Small and Medium Enterprises (SME) |
|
| 1.2.1 |
Small and Medium (Services) Industry (Including Permanent Capital and Cash Credit) |
|
| 1.2.1.1 |
Up to Rs.50,000.00 |
10.25 |
| 1.2.1.2 |
From Rs.50,001.00 upto Rs.2.00 Lakh |
11.25 |
| 1.2.1.3 |
More than Rs.2.00 Lakh to Rs.5.00 Lakh |
12.50 |
| 1.2.1.4 |
More than Rs.5.00 Lakh upto 25.00 Lakh |
|
| |
Credit Limit for Working Capital |
12.50 |
| |
Term Loan for More than one year |
12.50 |
| |
More than Rs.25.00 Lakh |
|
| |
Loan Limit for working capital |
13.25 |
| |
Term Loan for more than one Year |
13.50 |
| 1.2.2 |
Small and Medium (Services) Industry Small Business,Retail Business(RTSB)/Self Employment/Professional Business(P&SE) and Road Transport Operators(RTO) |
|
| 1.2.2.1 |
Up to Rs.50,000.00 |
11.00 |
| 1.2.2.2 |
From Rs.50,001.00 upto Rs.2.00 Lakh |
11.25 |
| 1.2.2.3 |
More than Rs.2.00 Lakh to Rs.5.00 Lakh |
12.75 |
| 1.2.2.4 |
More than Rs.5.00 Lakh up to 25.00 Lakh |
|
| |
Term Loan |
13.50 |
| |
Cash Credit |
13.50 |
| |
Trad Finance more than 25.00 Lakh |
|
| |
Term Loan repayable in installment beyond 1 year |
13.75 |
| |
Cash Credit |
13.75 |
| 1.2.2.5 |
Education Loan for Boys (For loans given only after 20.02.2013) |
|
| 1.2.2.5.1 |
Up to Rs.7.50 lakh |
12.50 |
| 1.2.2.5.2 |
More than Rs.7.50 Lakh |
12.25 |
| 1.2.2.5.3 |
Education Loan for Girls (For loans given only after 20.02.2013) |
|
| |
Up to Rs.7.50 lakh |
12.00 |
| |
More than Rs.7.50 Lakh |
11.75 |
| 1.2.2.6 |
House Loan - Apna Ghar(According to Recovery Period) (For Loans upto Rs.25.00 Lakh) |
|
| |
Up to Rs.25.00 lakh |
10.25 |
| 1.3 |
Self Help Groups |
|
| 1.3.1 |
Up to Rs.2.00 Lakh |
10.75 |
| 1.3.3 |
More than Rs.2.00 Lakh |
12.50 |
| |
Please note that in case of Self Help Groups of Gram Swarojgar Yojana interest rate will be fixed as per average loan amt. |
| 1.5 |
Other Priority Sector Loan |
|
| 1.5.1 |
Up to Rs.50,000.00 |
13.00 |
| 1.5.2 |
From Rs.50,001.00 upto Rs.2.00 Lakh |
13.75 |
| 1.5.3 |
More than Rs.2.00 Lakh |
15.25 |
| 2 |
Non Priority Sector |
|
| 2.1 |
RETAIL BANKING |
|
| 2.1.1 |
House Loan - Apna Ghar(According to Recovery Period) (For Loans upto Rs.25.00 Lakh) |
|
| 2.1.1.1 |
Rs.25.00 Lakh to 75.00 Lakh |
10.25 |
| 2.1.1.2 |
Rs.75.00 Lakh to 100.00 Lakh |
10.50 |
| 2.1.2 |
Apna Swasthya |
14.00 |
| 2.1.3 |
Apna Araam |
16.75 |
| 2.1.4 |
Jan Samriddhi |
16.75 |
| 2.1.5 |
Loan Against Pension |
17.75 |
| 2.1.6 |
L.P.G.Loan |
14.75 |
| 2.1.7 |
Consumer Loan |
16.75 |
| |
Solar Energy |
12.50 |
| 2.1.8 |
Loan Against Rent |
16.00 |
| 2.1.9 |
Gramin Credit Card |
11.25 |
| 2.1.10 |
Sulabh Sakh Yojana |
17.75 |
| 2.1.11 |
Arogya Sudhar Yojana |
11.25 |
| 2.1.12 |
Loan against Mortgaged Property |
|
| 2.1.12.1 |
Term Loan |
16.50 |
| 2.1.12.2 |
Cash Credit Loan |
16.50 |
| 2.1.13 |
Consumer Vehicle Loan |
|
| 2.1.13.1.1 |
For Four Wheeler Vehicle |
10.75 |
| 2.1.13.1.2 |
For Two Wheeler Vehicle |
15.00 |
| 2.1.14 |
Loan Against Term Deposits |
|
| 2.1.14.1 |
Loan Availed by Depositor |
2% Excess than the intt paid on said deposit |
| 2.1.14.2 |
Loan Availed by Third Party |
3% Excess than the intt paid on said deposit |
| 2.1.15 |
NSC/KVP/LIC surrender value/Term/SOD loan against other Govt.Securities. |
16.75 |
| 2.1.17 |
TOD/WAE/CP/EXCESS OVER LIMIT |
16.75 |
| 2.2 |
Other Non Priority Sector |
|
| 2.2.1 |
Up to Rs.50,000.00 |
13.75 |
| 2.2.2 |
From Rs.50,001.00 upto Rs.2.00 Lakh |
15.75 |
| 2.2.3 |
More than Rs.2.00 Lakh |
16.75 |
| |
* Interest subvention from Govt.of India |
|
