The details showing the Current Lending Rate of Interest and the fixed deposit rates of the BANK
Sl.No. |
Types of Loan |
Yearly |
EMI |
|
Short Term Agriculture |
|
|
1 |
KCC Loan (Soc) -Subsidy |
6.60 |
- |
2 |
KCC Loan Non-Subsidy (Soc) |
7.50 |
- |
3 |
KCC Loan- Individuals-Above 5 lakh |
9.00 |
- |
|
Short term non-agri Agriculture |
|
|
4 |
Cash credit Loan (CC II, IV)-soc |
7.50 |
- |
5 |
Cash credit Loan (CC IIa-Food grain )-soc |
8.00 |
- |
6 |
Cash credit Loan (CC I -Daily business) |
7.50 |
- |
7 |
Marketing Finance (Societies)-Coffee |
8.50 |
- |
8 |
Marketing Finance (Societies)-Paddy |
8.50 |
- |
9 |
Overdraft Loans - Individuals |
9.00 |
- |
10 |
Pigmy deposit surety Loan - Individuals |
9.50 |
- |
11 |
Jewel Loan: |
|
|
|
Non-Agriculture |
7.50 |
- |
|
Agriculture |
7.00 |
- |
12 |
Jewel Loan Instant-90 days |
9.50 |
- |
13 |
Jewel Loan Instant-180 days |
9.00 |
- |
14 |
Jewel Loan Overdraft |
9.00 |
- |
15 |
Surety loan individual (Farmers) |
9.50 |
- |
16 |
Badavara Bandhu loan |
10.00 |
- |
17 |
Mudra |
9.50 |
- |
18 |
Loan on N.S.C /K.V.P/ I.V.P/LIC bond Ind |
12.00 |
- |
19 |
Loan on N.S.C /K.V.P/ I.V.P/LIC bond Staff |
12.00 |
- |
20 |
Pigmy Deposit Loan |
9.50 |
- |
|
As per State Govt. Interest Subsidy Rate -MT Agri & ST others |
||
21 |
Farm Mechanisation |
6.70 |
- |
22 |
Farm Pond Loan |
6.70 |
- |
23 |
Sprinkler Loan |
6.70 |
- |
24 |
Coffee Drying yard and Godown |
6.70 |
- |
25 |
Coffee Pulper |
6.70 |
- |
26 |
Farm house loan |
6.70 |
- |
27 |
Floriculture Loan |
6.70 |
- |
28 |
Dairy Development/Piggery/Poultry/Sheep Rearing |
6.70 |
- |
29 |
Green/Poly House |
6.70 |
- |
30 |
Agri M.T. Loan Non Subsidy |
9.00 |
- |
31 |
PashuBhagya (Govt subsidies) |
11.00 |
- |
32 |
PashuBhagya -Non subsidy) |
9.50 |
- |
33 |
Fisheries (Govt subsidies) |
6.70 |
- |
|
Medium Term Non-Agri Loans |
||
34 |
Medium Term Loans (Societies) |
6.70 |
- |
35 |
PACS as MSC by NABARD |
11.00 |
- |
36 |
MSC Loan to societies by bank |
8.00 |
- |
37 |
Personal Loan (Salary) - Individuals |
9.50 |
- |
38 |
Personal Loan (Salary) - Private sector (anganvadi) |
9.50 |
- |
39 |
Vehicle (Gen)-WEF 10.05.2022 |
8.00 |
7.50 |
40 |
Vehicle Loan (Hire Auto & other vehicle) |
9.00 |
8.00 |
41 |
Pick-up loan agri |
7.50 |
- |
42 |
Diesel Generator |
9.50 |
- |
43 |
Agri Allied activities(Govt non subsidy) |
9.00 |
- |
44 |
Solar Loan |
9.50 |
8.50 |
|
SHG & JLG Loans |
||
45 |
Self Help Group Loan (Soc) |
10.00 |
- |
46 |
Self Help Group Loan(BPL) -Gents |
4.00 |
- |
47 |
Self Help Group Loan(BPL)-Ladies |
0.00 |
- |
48 |
Self Help Group Loan(APL) |
9.00 |
- |
49 |
Self Help Group Loan-Kayaka -upto 5.00 Lakh |
0.00 |
- |
50 |
Self Help Group Loan-Kayaka Above 5 Lakh |
4.00 |
- |
51 |
Joint Liability Group Loan |
10.00 |
- |
|
Long Term Non-Agri Loans |
|
|
52 |
Building Loan (Societies) |
9.00 |
- |
53 |
Commercial Complex (Indls) |
9.00 |
8.00 |
54 |
Commercial Complex (Institution) |
10.00 |
8.50 |
55 |
House /Site/ Building Mortgage Loan |
9.00 |
8.00 |
56 |
Site/ Building Mortgage Loan-Institution |
10.00 |
8.50 |
57 |
House Construction Loan to Indls/ Salaried |
8.50 |
7.00 |
58 |
LT – General Purpose |
9.50 |
8.00 |
59 |
Agri Property purchase and development-Indl |
9.50 |
- |
60 |
Agri Property purchase and development-Company |
10.00 |
- |
61 |
Tourism development loan |
- |
9.00 |
62 |
Consortium Loan |
- |
12.00 |
63 |
Site/House /Building Purchase Loan –Ind |
9.50 |
8.00 |
64 |
Second hand vehicle loan –Ind |
8.50 |
7.50 |
65 |
Electric vehicle |
7.50 |
7.00 |
66 |
Rural housing Loan |
8.50 |
7.00 |
Note: 1)All loans except agriculture loans have to be bear 2% penal interest on installment if the loan falls overdue.
2)Rate of interest charged on all govt interest subsidy schemes is as per GOK order.
SI NO |
|
30 TO 90 DAYS |
91 TO 180 DAYS |
181 TO 364 DAYS |
365 Days |
Above 366 Days |
1 |
General |
3.50% |
4.00% |
5.25% |
5.50% |
5.00% |
2 |
Senior Citizen |
4.00% |
4.50% |
5.75% |
6.00% |
5.50% |
3 |
Special Deposit Scheme for the new individual deposit of Rs 50 lakhs and above with minimum period of 1 year – 6.00% |