Interest Rates

Sl.No.

Types of Loan

Yearly

EMI

1

KCC Loan  (Soc) -Subsidy

7.00

-

2

KCC Loan Non-Subsidy  (Soc)

8.00

-

3

KCC Loan- Individuals-Above 5 lakh

9.00

-

Short term non-agri Agriculture

4

Cash credit Loan (CC II, IV)-soc

9.00

-

5

Cash credit Loan (CC  IIa-Food grain )-soc

9.00

-

6

Cash credit Loan (CC I -Daily business)

9.50

-

7

Marketing Finance (Societies)-Coffee

9.50

-

8

Marketing Finance (Societies)-Paddy

9.50

-

9

Overdraft Loans - Individuals

9.50

-

10

Pigmy deposit surety  Loan - Individuals

11.00

-

11

Jewel Loan:

Without RTC

9.50

-

With RTC

8.50

-

12

Jewel Loan  Instant-90 days

10.00

-

13

Jewel Loan  Overdraft

9.50

-

14

Surety loan individual (Farmers)

9.50

-

15

Mudra

10.50

-

16

Pigmy Deposit Loan

10.00

-

  17

As per State Govt. Interest Subsidy Rate -MT Agri & ST others

Farm Mechanisation

8.92

-

Farm Pond Loan

8.92

-

Sprinkler Loan

8.92

-

Coffee Drying yard and Godown

8.92

-

Coffee Pulper

8.92

-

Farm house loan

8.92

-

Floriculture  Loan

8.92

-

Dairy Development/Piggery/Poultry/Sheep Rearing

8.92

-

Green/Poly House

8.92

-

18

Agri M.T. Loan Non Subsidy

9.50

-

19

Fisheries (Govt subsidies)

8.92

-

Medium Term Non-Agri  Loans

20

MSC Loan to societies by bank

9.50

-

21

Personal Loan (Salary) - Individuals

10.00

-

22

Personal Loan (Salary) - Private sector (anganvadi)

10.50

-

23

Pick-up loan  agri

8.50

-

24

Diesel Generator

10.00

-

25

Agri Allied activities(Govt non subsidy)

9.50

-

26

Solar Loan

9.50

8.50

27

Vehicle Loan

Vehicle Loan Two Wheeler

9.00

8.50

Vehicle Loan Car
Upto 15 Lakhs
Above 15 Lakhs Upto 30 Lakhs
Above 30 Lakhs Upto60 Lakhs

9.00
9.25
9.50

8.50
8.75
9.00

Vehicle Loan SHV
Upto 15 Lakhs
Above 15 Lakhs Upto 30 Lakhs
Above 30 Lakhs Upto 60 Lakhs

10.50
10.75
11.00

9.50
9.25
10.50

Vehicle Loan Electric
Upto 15 Lakhs
Above 15 Lakhs Upto 30 Lakhs
Above 30 Lakhs Upto 60 Lakhs

8.50
8.75
9.00

8.00
8.25
8.50

Vehicle Loan SRTO
Upto 15 Lakhs
Above 15 Lakhs Upto 30 Lakhs
Above 30 Lakhs Upto 60 Lakhs

9.50
9.75
10.00

8.50
8.75
9.00

Vehicle Loan SRTO 3 Wheeler

9.50

8.50

SHG & JLG Loans

28

Self Help Group Loan(BPL) -Gents

11.00

-

29

Self Help Group Loan(BPL)-Ladies

11.00

-

30

Self Help Group Loan(APL)

9.50

-

31

Joint Liability Group Loan

10.00

-

Long Term Non-Agri Loans

32

Building Loan (Societies)

9.50

-

33

Building Loan-Institution

11.00

10.00

34

Building Loan-Ind

9.50

8.50

35

House Construction Loan to Indls/ Salaried

9.50

8.50

36

LT – General Purpose

10.00

9.00

37

Agri Property purchase and development-Indl

9.50

-

38

Agri Property purchase and development-Company

10.50

-

39

Tourism development loan

-

9.50

40

Consortium Loan

-

12.00

41

Site/House /Building Purchase Loan –Ind

10.00

9.00

42

Rural housing  Loan

9.50

8.50

43

VidhyaSahakara Education Loan

-

9.00

44

Site/Building Purchase Loan-Socities

10

8.50

45

House/Site/Building Mortage Loan
Upto 20 Lakhs
Above 20 Lakhs Upto40 Lakhs
Above 40 Lakhs Upto 60 Lakhs

10.00
10.25
10.50

9.00
9.25
9.50

SI NO

30 TO 90 DAYS

91  TO  180 DAYS

181 TO 364 DAYS

365 Days

366 Days to <2 years

Above 2 yrs to 10 yrs

1

General

4.50%

4.75%

5.75%

7.00%

7.35%

7.00%

2

Senior Citizen

5.00%

5.25%

6.25%

7.50%

7.85%

7.50%

3

Defense Persons
From
( 16/12/2024)

4.75%

5.00%

6.00%

7.25%

7.60%

7.25%