Loan Interest Rate
| Loan Interest Rate Chart (BOD Dated 27.09.2022) | |||||
| Sr. No. | Type of Loan | Int. Rate effect From | Interest Rate As per PLR Base | Max Period | Max Limit |
| Housing Loan | |||||
| 1. | Cibil Score Above 800 | 23.12.2022 | 7.50% | 20 Years |
Max. 50 lakh or 80% on Agreement |
| Cibil Score Between 700 to 749 | 8.00% | Max. 50 lakh or 85% on Agreement | |||
| Cibil Score Between 650 to 699 | 8.50% | Max. 50 lakh or 90% on Agreement | |||
| Term Loan | |||||
| 2. | For Machinery | 1.1.2021 | 11.00% to 11.50% | 10 Years | 50 lakh |
| Other than Small Business | 10 .00% to 11.00% | ||||
| 3. | Cash Credit | 1.1.2021 | 11.00% to 12.00% | 12 months to 36 months | 50 lakh |
| Secured Loan (LAP) | |||||
| 4. | With Plan Pass | 1.1.2021 | 10 .00% to 11.00% | 10 Years |
50 lakh |
| With Guntewari | 13.00 % to 15.00% | ||||
| 5. | Company Undertaking Loan | 27.09.2022 | 11.00% | 5 Years | 3 lakh |
| 7 Years | 3.01 to 10 lakh | ||||
| House Repair Loan | |||||
| 6. | With Plan Pass | 1.1.2021 | Hsg. ROI +1% |
7 Years |
(Urban Area) 10 lakh |
| With Gunthewari | Hsg. ROI +2% | (Rural Area) 6 lakh | |||
| 7. |
Personal Vehicle (Two Wheeler)* | 1.7.2021 | 8.00% | 5 Years | (Ex Show.R)80% |
| Personal Vehicle (Four Wheeler)* | 8.50% | ||||
| 8. | Transport Operat Loan | 1.1.2021 | 9.50 to 10.50% | 5 Years | (Ex Show.R)80% |
| 9. | Consumption Loan* | 1.1.2021 | 12 to 13% | 5 Years | 3 lakh |
| 10. | Gold Loan | 1.10.2022 | 9.00% | 1 Year | 2.00 lakh |
| Gold Term Loan | 10.00% | 3 Years | Rs.2.01 to 10.00 lakh | ||
| 11. | NSC Loan | 1.1.2021 | 11.00% | 1 Year | 1y 50%, 2y60%, 3Y70% |
| 12. | Harvesting & Transport Loan | 23.9.2021 | 13.00% | 1 Year | 5 lakh |
| 13. | Lease Rent Discounting | 6.10.2021 | 10% to 12% | 7 Years | Rs.45 lakh |
| 14. | Loan Scheme For Self-Employed | 29.4.2022 | 8.50% | 1)12 Months to 35 Months (In the case of cash credit) |
Up to Rs. 5.00 Lakh (On Debtors & Creditors) |
| 2) 10 Years (In the case of Term Loan) |
Maximum Rs. 50.00 Lakh or 60% of the valuation of the property | ||||
| Property Overdraft loan | |||||
| 15. | Property Overdraft loan | 31.05.2021 | 10% to 12% | 15 months | Maximum Rs. 40 lakh or 60 % of valuation of the property |
| With Plan Pass | |||||
| With Guntewari | 13% to 15% | ||||
| 16. | Secured Loan of Salaried Individuals | 28.01.2022 | 9% to 10% | Upto 10 Years | Maximum Rs. 25 lakh |
| 17. | Education Loan | 27.09.2022 | 8% to 8.50% | 10 Years | Maximum 20 lakh |
| 18. | Electric Vehicle Loan (Three Wheeler) | 29.11.2021 | 8% to 9.50% | 3 Years | (Ex Show.R)80% |
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