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Rate of Interest on Advances Effective from 01.10.2017

 

_.kksa&vfxzeksa ij ÁHkkoh la'kksf/kr C;kt nj

¼fnukad 01-10-2017 ls izHkkoh½

 

 

   1-      Ñf"k lsDVj _.k ,oa Ñf"k lgk;d xfrfof/k;k¡

 

¼Qlyh _.k@xzkeh.k xzhu dkMZ@QkeZ e'khuhdj.k@flapkbZ@nq/kk:i'kq&ikyu@iksYVªh@cdjhikyu@HksM+ikyu@ lwdj&ikyu@'osr ØkfUr dkMZ@dke/ksuw ;kstuk@eRL;ikyu@Ñf"kHkwfe lq/kkj@Ñf"kHkwfe Ø; vkfn½

fooj.k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

1-1

` 3 yk[k dh _.k lhek rd ds ekSleh Qly mRiknu _.k ¼vYikof/k Qlyh _.k@xzkeh.k xzhu dkMZ@dslhlh ;kstuk½ tks Qly mRiknu@foi.ku gsrq LohÑr@forfjr gSA tgk¡ dsUnz ljdkj ls 2% C;kt lgk;rk izkIr gksrh gS   %&

 

-        fu/kkZfjr pqdkSrh vof/k ;k vf/kdre 12 ekg] nksukssa esa tks igys gks] rd vnk gksus ij izHkkoh

7.00

7.00

 

-        vfrns; [kkrs

9.00

9.00

1-2

` 3 yk[k ls vf/kd dh _.k lhek ds ekSleh Qly mRiknu _.k ¼vYikof/k Qlyh _.k@xzkeh.k xzhu dkMZ@dslhlh½ rFkk vU; leLr Ñf"k ,oa Ñf"k lgk;d xfrfof/k;ksa gsrq ¼fcUnq 2] 3] 4 ,oa 5 ds vfrfjä½ LohÑr@forfjr _.k %&

 

` 50,000 rd

10.50

10.00

 

` 50,000 ls vf/kd ` 2 yk[k rd

10.50

10.50

 

` 2 yk[k ls vf/kd ` 5 yk[k rd

13.00

11.50

 

` 5 yk[k ls vf/kd ` 25 yk[k rd

13.00

11.75

 

` 25 yk[k ls vf/kd ` 1 djksM+ rd

13.00

12.00

 

` 1 djksM++ ls vf/kd ` 5 djksM+ rd

--

13.25

   2-      xzkeh.k xksnke@dksYM LVksjst@izh&dwfyax IykUV@ekdsZV ;kMZ fuekZ.k@gkfVZdYpj@ ¶yksjhdYpj@fV';wdYpj@e'k:edYpj@lsjhdYpj@IykUVs'ku@ QkWjsLVªh@xkscjxSl@ck;ksxSl@ Ñf"k Dyhfud@e`nk ijh{k.k dsUnz ¼Soil Testing Labs½ vkfn %

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

` 2 yk[k rd

11.25

10.75

` 2 yk[k ls vf/kd ` 1 djksM++ rd

11.75

11.25

` 1 djksM++ ls vf/kd ` 5 djksM+ rd

--

13.25

` 5 djksM++ ls vf/kd

--

14.00

 

 

   3-      Food & Agro Based Processing Units with investment in Plant & Machinery upto `10 cr. :

fooj.k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

·         dk;Z'khy iw¡th %&

` 2 yk[k ls vf/kd ` 25 yk[k rd

--

10.75

` 25 yk[k ls vf/kd ` 1 djksM+ rd

--

10.50

` 1 djksM++ ls vf/kd ` 5 djksM+ rd

--

12.75

` 5 djksM++ ls vf/kd

--

13.50

·         lkof/k _.k %&

` 2 yk[k ls vf/kd ` 25 yk[k rd

--

11.25

` 25 yk[k ls vf/kd ` 1 djksM+ rd

--

11.00

` 1 djksM++ ls vf/kd ` 5 djksM+ rd

--

13.25

` 5 djksM++ ls vf/kd

--

14.00

   4-      Ñf"k lsok dsUnz ¼Custom Hire Centres½ ¼vf/kdre _.k lhek ` 5 djksM+½\

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

` 50,000 rd

--

9.50

` 50,000 ls vf/kd ` 2 yk[k rd

--

9.75

` 2 yk[k ls vf/kd ` 1 djksM+ rd

--

10.25

` 1 djksM++ ls vf/kd ` 5 djksM+ rd

--

13.25

   5-      Lo.kkZHkw"k.k ds Iyst ds lkis{k _.k ¼dsth,l&xksYM yksu½ %

fooj.k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

·        Ñf"k lsDVj % ;fn Ñf"k dk;Z gsrq _.k Ldsy vkWQ QkbusUl ds vk/kkj ij LohÑr fd;k tkrk gS rks rn~uqlkj Ñf"k _.k gsrq fu/kkZfjr C;kt nj ykxw gksxh vU;Fkk xSj&izkFkfedrk izkIr {ks= ds vUrxZr oxhZÑr _.k ds vuqlkj fufnZ"V C;kt nj ykxw gksxhA

5-1

` 3 yk[k dh _.k lhek rd ds ekSleh Qly mRiknu _.k ¼vYikof/k Qlyh _.k@xzkeh.k xzhu dkMZ@dslhlh ;kstuk½ tks Qly mRiknu@foi.ku gsrq LohÑr@forfjr gSA tgk¡ dsUnz ljdkj ls 2% C;kt lgk;rk izkIr gksrh gS   %&

 

-        fu/kkZfjr pqdkSrh vof/k ;k vf/kdre 12 ekg] nksukssa esa tks igys gks] rd vnk gksus ij izHkkoh

7.00

7.00

 

-        vfrns; [kkrs

9.00

9.00

 

5-2

` 3 yk[k ls vf/kd dh _.k lhek ds ekSleh Qly mRiknu _.k ¼vYikof/k Qlyh _.k@xzkeh.k xzhu dkMZ@dslhlh½ rFkk vU; leLr Ñf"k ,oa Ñf"k lgk;d xfrfof/k;ksa gsrq LohÑr@forfjr _.k %&

 

` 2 yk[k rd

--

10.00

 

` 2 yk[k ls vf/kd ` 5 yk[k rd

--

10.75

 

` 5 yk[k ls vf/kd

--

11.00

·        vU; ÁkFkfedrk ÁkIr {ks=

¼Ñf"k _.k ds vfrfjDr½

--

10.25

·        xSj&ÁkFkfedrk ÁkIr {ks=

` 25,000 rd

--

10.25

` 25,000 ls vf/kd

--

11.00

   6-      Lo;a lgk;rk lewg ¼SHG½@la;qDr ns;rk lewg ¼JLGs½ %

¼lewg ds izR;sd lnL; dh _.k jkf'k ds vk/kkj ij izHkkfjr O;kt nj½

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

` 2 yk[k rd

10.50

10.00

` 2 yk[k ls vf/kd ` 5 yk[k rd

12.25

10.50

` 5 yk[k ls vf/kd

12.25

11.00

jk"Vªh; vkthfodk fe’ku ¼NRLM½ ds vUrxZr efgyk Lo;a lgk;rk lewg ¼WSHG½ ds _.k

` 3 yk[k rd

7.00

7.00

   7-      Loan to Non-Government Organizations (NGOs)/Voluntary Agencies (VAs)/ Microfinance Institutions (MFIs) :

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

Irrespective of quantum of Loan

--

11.75

   8-      Loan to Primary Agriculture Credit Societies (PACSs)/Large-sized Adivasi Multipurpose Societies (LAMPs) :

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

` 50,000 rd

--

10.00

` 50,000 ls vf/kd ` 2 yk[k rd

--

10.50

` 2 yk[k ls vf/kd

--

11.75

 

   9-      Loan to Farmers' Service Societies (FSSs) :

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

Irrespective of quantum of Loan

--

11.25

 10-      Ñ"kdksa@Ñ"kdksa ds lewg dks xksnke@dksYM LVksjst jlhn ds lkis{k vYikof/k Ñf"k _.k %

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

` 10 yk[k rd

---

10.00

` 10 yk[k ls vf/kd ` 50 yk[k rd

---

10.50

·        The benefit of interest subvention will also be available to Gramin Green Card/KCC holders/existing Small & Marginal Farmers for further period of upto 6 months post harvest on the same rate as applicable to crop loan for advance against negotiable warehouse receipts (NWR) for keeping their produces in Warehouse. Effective rate of interest is as follows

-       fu;fer [kkrs

7.00

7.00

-       vfrns; [kkrs

9.00

9.00

 11-      Poly House/ Green House/ Plant Nursery/ Production of Bio Pesticides, Bio Fertilizer, Vermi Composting etc. :

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

` 1 djksM+ rd

--

10.50

` 1djksM+ ls vf/kd ` 5 djksM+ rd

--

13.25

 12-      xzkeh.k ØsfMV dkMZ %

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

;kstukUrxZr vuqeU; _.k lhek rd

11.00

13.00

 13-      lkSj ÅtkZ vk/kkfjr la;a=@midj.k %

_.k jkf'k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

I.                    ÁkFkfedrk ÁkIr {ks=

12.25

12.25

II.                  xSj&ÁkFkfedrk ÁkIr {ks=

--

12.50

 14-      Micro & Small Enterprises (MSE) Advances including Lojkst+xkj ØsfMV dkMZ@dkjhxj ØsfMV dkMZ@viuk m|eh ØsfMV dkMZ (Composite Loan or Term Loan/ Working Capital Loan; including additional Credit Risk Premium for term loans) Excluding MSME schemes which are separately provided under point no. 15 :-

fooj.k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

Micro Enterprises* :

` 2 yk[k rd

11.00

10.00

` 2 yk[k ls vf/kd ` 25 yk[k ls de

12.25 -12.50

11.00

` 25 yk[k o vf/kd ` 1 djksM+ rd

13.25 -13.50

12.00

` 1 djksM+ ls vf/kd ` 5 djksM+ rd

13.25 -13.50

12.25

` 5 djksM+ ls vf/kd

13.25 -13.50

12.50

Small Enterprises# :

` 2 yk[k rd

11.00

10.00

` 2 yk[k ls vf/kd ` 25 yk[k rd

12.25 -12.50

11.00

` 25 yk[k o vf/kd ` 1 djksM+ rd

13.25 -13.50

12.00

` 1 djksM+ ls vf/kd ` 5 djksM+ rd

13.25 -13.50

12.50

` 5 djksM+ ls vf/kd

13.25 -13.50

12.75

* Micro Manufacturing Enterprises - where investment in plant & machinery is upto ` 25 lakhs/ Micro Service Enterprises - where investment in equipments does not exceed ` 10 lakhs

# Small Manufacturing Enterprises - where investment in plant & machinery is more than ` 25 lakhs but does not exceed ` 5 crores, Small Service Enterprises - where investment in equipments is more than ` 10 lakhs but does not exceed ` 2 crores

$ Medium Manufacturing Enterprises - where investment in plant & machinery is more than ` 5 crores but does not exceed ` 10 crores, Medium Service Enterprises - where investment in equipments is more than ` 2 crores but does not exceed ` 5 crores

 15-      Advance under MSME Schemes :

fooj.k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

15-2 v½ O;kikj foÙk ;kstuk ¼Trade Finance½ dk;Z'khy iw¡th

` 2 yk[k ;k vf/kd ` 5 yk[k rd

12.50

11.00

` 5 yk[k ls vf/kd ` 25 yk[k rd

13.25

11.50

` 25 yk[k o vf/kd ` 5 djksM+ rd

13.50

12.00

` 5 djksM+ vf/kd

13.50

12.80

15-2 c½ O;kikj foÙk ;kstuk ¼Trade Finance½ lkof/k _.k

` 2 yk[k ;k vf/kd ` 5 yk[k rd

12.50

11.50

` 5 yk[k ls vf/kd ` 25 yk[k rd

13.25

12.00

` 25 yk[k o vf/kd ` 5 djksM+ rd

13.50

12.50

` 5 djksM+ vf/kd

13.50

13.30

15-3 lM+d ifjogu ;kstuk ¼RTO½

` 2 yk[k rd

11.00

11.00

` 2 yk[k ls vf/kd ` 5 yk[k rd

12.50

12.50

` 5 yk[k ls vf/kd ` 25 yk[k rd

13.25

13.25

` 25 yk[k ls vf/kd ` 1 djksM+ rd

--

13.25

` 1 djksM+ ls vf/kd

--

12.55

VkbZ&vi vUrxZr lM+d ifjogu _.kksa ij ykxw O;kt mijksä O;kt njksa ls 1% de gksxhA

15-4 ekxZst fyDoh & vpy lEifÙk cU/kd ds fo:) QeZ@dEiuh vkfn dks _.k ¼vuqns'k ifji=kad 1636 ¼c½ fnukad 18-08-2017½

dk;Z'khy iw¡th &

` 2 yk[k ;k vf/kd ` 5 yk[k rd

12.50

11.00

` 5 yk[k ls vf/kd ` 25 yk[k rd

13.25

11.50

` 25 yk[k o vf/kd ` 5 djksM+ rd

13.50

12.00

` 5 djksM+ vf/kd

13.50

12.80

lkof/k _.k &

` 2 yk[k ;k vf/kd ` 5 yk[k rd

12.50

11.50

` 5 yk[k ls vf/kd ` 25 yk[k rd

13.25

12.00

` 25 yk[k o vf/kd ` 5 djksM+ rd

13.50

12.50

` 5 djksM+ vf/kd

13.50

13.30

15-5 Loans to Traders/Dealers/Suppliers in Agricultural Fertilizers/ Seeds/ Pesticides/Machineries/ Implements Dealers :

dk;Z'khy iw¡th &

` 1 djksM+ rd

--

10.50

` 1 djksM+ ls vf/kd

--

11.00

lkof/k _.k &

` 1 djksM+ rd

--

11.00

` 1 djksM+ ls vf/kd

--

11.50

 16-      [kqnjk _.k ;kstuk,¡ ¼Retail Lending Schemes½ %

fooj.k

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

16-1 vkokl _.k ;kstuk,¡ ¼dsth,l&gksEl@xzkeh.k vkokl½

` 75 yk[k rd

8.60

8.60

` 75 yk[k +ls vf/kd

9.75

9.00

16-2 O;olkf;d Hkou _.k ¼Commercial Housing Loan½@dkef'kZ;y jh;y bLVsV gkse yksu ¼CRE-RH½  &

` 1 djksM+ rd

--

10.00

` 1 djksM+ ls vf/kd

--

10.50

16-3 dsth,l&ekWxsZat Iyl ¼vuq-ifj- 1636 ¼lh½ fn- 18-08-2017½ &

    16-3-1 Regular Home Loan Borrowers (Intt. Rate of Home Loan + 1%):

` 75 yk[k rd

9.60

9.60

` 75 yk[k +ls vf/kd ` 1 djksM+ rd

10.75

10.00

    16-3-2 CRE Home Loan Borrowers :

` 75 yk[k rd

--

11.00

` 75 yk[k +ls vf/kd

--

11.50

16-4 dsth,l&ekWxsZat ¼vuq-ifj- 1636 ¼,½ fn- 18-08-2017½ &

lkof/k@vf/kfod"kZ _.k

¼fdlh Hkh _.k lhek ds fy,½

12.75

12.00

16-5 Hkou fdjk;s ds lkis{k _.k

& iquHkqZxrku vof/k 3 o"kZ rd

15.75

13.00

& iquHkqZxrku vof/k 3 o"kZ ls vf/kd

15.75

13.50

16-6 viuk LokLF; ¼fpfdRldksa dks uflZax gkse@vLirky@fpfdRldh; midj.k gsrq½

13.75

11.75

16-7 viuk vkjke & lkof/k _.k         ¼dsth,l&lqeaxye½

15.00

13.00

16-8 tule`f) & vf/kfod"kZ _.k         ¼dsth,l&lqeaxye½

15.00

13.00

16-9 miHkksäk _.k

    ¼osruHkksxh@xSj&osruHkksxh gsrq½

16.50

15.00

16-10 miHkksäk okgu _.k &

& 2 ifg;k okgu ¼u;k okgu½

14.75

12.00

& 3 ;k 4 ifg;k okgu ¼u;k okgu½

10.50

9.25

& iqjkuk 4 ifg;k okgu ¼vf/kdre 3 o"kZ iqjkuk½

--

12.50

16-11 Hkou _.kxzkfg;ksa dks oS;fäd _.k

¼vuq- ifj- 1561 fn- 15-01-2017½

15

12.50

16-12 f'k{kk _.k

I.                    yM+dks gsrq

a.  ` 4 yk[k rd

12.25

11.75

b.  ` 4 yk[k ls vf/kd ` 7.50 yk[k rd

12.25

11.50

c.  ` 7.50 yk[k ls vf/kd

12.00

10.50

II.                  yM+fd;ksa gsrq

a.  ` 4 yk[k rd

11.75

11.25

b.  ` 4 yk[k ls vf/kd ` 7.50 yk[k rd

11.75

11.00

c.  ` 7.50 yk[k ls vf/kd

11.50

10.00

 17-      Advances attracting Specified Interest Rates irrespective of Quantum of Advance :

_.k ;kstuk

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

,u,llh@dsohih@,yvkbZlh ikWfylh ds leiZ.k ewY;@vU; ljdkjh ÁfrHkwfr;ksa ds lkis{k lkof/k@,lvksMh _.k

16.50

13.25

All temporary facilities granted in the absence of regular limit such as TOD/WAE/Cheque Purchase etc.

16.50

15.50

Letter of Credit (LC)

--

16.00

Discounting of Bill under LC for the period of :-

-        90 fnuksa rd

--

10.75

-        90 fnuksa ls vf/kd 6 ekg rd

--

11.00

-        6 ekg ls vf/kd

--

11.25

lqyHk lk[k ;kstuk ¼osru ds lkis{k cpr [kkrs esa vf/kfod"kZ½

17.50

15.50

isU'ku ds lkis{k _.k ¼a'kk[kk [kkrs ls isU'ku vkgj.k ds lkis{k

17.50

15.50

,yñihñthñ dusD'ku gsrq _.k

14.50

11.00

vkjksX; lq/kkj ;kstuk ¼'kkSpky; fuekZ.k½

11.00

11.00

 18-      gekjs cSad ds lkof/k@lap;h tek ds lkis{k _.k %

_.k ;kstuk

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

I.      [kkrk/kkjd }kjk Lo;a ds lkof/k@lap;h tek ds lkis{k _.k ysus ij %&

  1. ` 25.00 yk[k ls de

fe;knh ij tek nj ls 2% vf/kd

fe;knh ij tek nj ls 2% vf/kd

  1. ` 25.00 yk[k ls vf/kd

fe;knh ij tek nj ls 1% vf/kd

fe;knh ij tek nj ls 1% vf/kd

II.    r`rh; i{k dks _.k ¼Loan to Third Party½

fe;knh ij tek nj ls 3% vf/kd

fe;kfn ij tek nj ls 2% vf/kd ;k 11.05% nksuks esa tks Hkh T;knk gks

 19-      Commercial Real Estate (other than CRE Home Loans) :

_.k ;kstuk

orZeku esa ykxw C;kt nj

la'kksf/kr C;kt nj

¼fn- 01-10-2017 ls izHkkoh½

` 5 djksM+ rd

--

13.50

` 5 djksM+ +ls vf/kd

--

14.25

 20-      Hkkjr ljdkj }kjk Ák;ksftr ;kstuk,¡ %

_.k jkf’k

ÁHkkfjr C;kt nj ¼ % okf"kZd½

19-1 NSKFDC Ák;ksftr ;kstuk,¡ ¼xzhu fctusl ds vfrfjDr½

  1. efgyk _.k vkosndksa gsrq

3.00

  1. vU; _.k vkosndksa gsrq

4.00

19-2 NHFDC Ák;ksftr ;kstuk,¡

iq:"k

efgyk

` 50,000 rd

5.00

4.00

` 50,000 ls vf/kd ` 5 yk[k rd

6.00

5.00

` 5 yk[k rd ls vf/kd ` 25 yk[k rd

8.00

7.00

19-3 NSCFDC Ák;ksftr ;kstuk,¡

 

  1. lw{e _.k foRr ;kstuk

5.00

  1. efgyk le`f) ;kstuk

4.00

  1. y?kq O;olk; ;kstuk

6.00

mijksä ds vfrfjä Hkkjr ljdkj@jkT; ljdkj }kjk izk;ksftr ;sktuk,¡] tgk¡ lEcfU/kr ;kstuk gsrq cSad }kjk fof'k"V O;kt nj izHkkoh gS] ykxw gksxhA

 21-      vU; lHkh _.k tks Åij mfYyf[kr ugha gSa %

_.k jkf'k

izkFkfedrk izkIr {ks=

xSj&izkFkfedrk izkIr {ks=

C;kt nj ¼ %okf"kZd½

C;kt nj ¼ %okf"kZd½

orZeku

izLrkfor

orZeku

izLrkfor

` 50,000 rd

12.75

11.75

13.50

12.50

` 50,000 ls vf/kd ` 2 yk[k rd

13.50

12.50

15.50

14.50

` 2 yk[k ls vf/kd

15.00

14.00

16.50

15.50