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Intrest Rate

BANK DEPOSIT RATE (21-JAN-2023)

Sr.No. Duration General Interest Rate Interest Rate For Senior Citizen & Bank Staff Member
1 07 days to 45 days 3.50 % 4.00%
2 46 days to 90 days 4.50 % 5.00 %
3

91 days to 180 days

5.00 %

5.5%
4 181 days to less than 1 year

5.75 %

6.25%
5 1 year to less than 2 years

6.50 %

7.00 %
6

2 year to less than 3 years

6.75 %

7.25 %
7

3 year and Above

7.00 % 7.5 %

 

 BANK LOAN AND ADVANCES RATE (17-NOV-2021)

Sr.No. Loan Type Rate of Interest for Loan and Advances
1 Cash Credit against Hypothication of stock (Collateral Security must) Business Loan/Industrial Loan/ Machineries Purchase /Over Draft etc 8.90 %
2 Cash Credit / Hypo. / Hyp. Machinery Loan / Over Draft (1 Crore & Above) 8.40 %
3 Two Wheeler 12.00 %
4 Truck/Tanker/Rickshaw etc (Any Commercial Vehicle) 9.90 %
5 Any second hand vehicle (vehicle should not be old more than four year) 15.00 %
6 Housing Loan 8.25 %
7 Property Mortgage Loan 9.90 %
8 Gold Loan (Against Ornaments) 12.00 %
9 NSC/KVP 9.00 %
10 Education Loan for Higher Study 9.50 %
11 Loan aginst Fix Deposit FD ROI +1% Additional %
12 Car Loan 8.40%

 

CIBIL SCORE FOR LOAN APPLICATION RATE TO APPLY MORE OR LESS THAN PREVAILING INT. RATE
700 & Above PREVAILING INT. RATE
600 & 699 than ROI + 0.25 %
500 & 599 than ROI + 0.50 %

 

PROCESSING CHARGE:  
Below 1 Crore 0.50%
1 Crore & Above  0.35%
To be Applicable for all the loans except FOD loan