W.E.F. 26/08/2021
Nature of Advances Rates Of Interest
Education Loan During the course of education 9.00% *
After completion of course
Maximum Ceiling In India-Rs 10. lacs 11.00% *
Abroad-Rs.20 lacs

Loan against N.S.C / K.V.P /L.IC Policies

Revise Res. No.11 Dt.25/10/2021 W.E.F.01/11/2021

10.00% *

Gold Loan – Maximum Ceiling (Up to 75% of Market Value)

i) General loan Maximum Limit Rs.2.00 Lacs

ii) Agri. Gold Loan maximum limit Rs.10.00 Lacs

Revise Res. No.17 Dt.23/04/2021 W.E.F.01/05/2021

09.00% *
Vehicle Loan (Four Wheelers) maximum Period 60 Months 9.50%
Vehicle Loan (Two Wheelers) maximum Period 48 Months
10.00%

Commercial Vehicle

1.00% rebate on interest in payable/admissible on regular repayment of installments on quarterly basis to new A/C.

11.00%
Housing Loan : Maximum Ceiling Rs.70 Lakhs Maximum Period 20 Years 08.00 % *

Real Estate Finance

a. C/C Hypothecation

b. FL Maximum Period 5 Years

13.00 %

Other Loans: Fixed Assets Loan, C/C Hypothecation, LW 

i) C/C Hypothecation, LW

ii) FL (Fixed Assets Loan)

10.00 %
Case credit Pledge (Warehouse Receipt-W.E.F.01/01/2022)
9.75%
Case credit Pledge (Own Godown-W.E.F.01/01/2022)
9.00%
Loan Overdraft Against Banks own FDR
1.00 % ( over TDR Rate )
Overdraft with minimum 25% utilization of sanction limit
0.50 % ( over TDR Rate )
Clean Demand Loan (C/C) to regular members of the Bank Maximum Limit Rs.50,000=00 of which 
Limit Up to Rs.25,000/- 11.00 % *
Limit above Rs.25,000/- 12.00 % *
Special Scheme For Doctors
With Mortgage 09.00 %

Without Mortgage

Hypothecation of Machinery up to Rs.50 Lakh

10.00 %
Sarvodaya Swarojgar Dhiran Yojana (JLG) 10.00% *
Personal Loan 14.00% *
Industrial Finance 10.50%
Sarvodaya Personal Loan Yojna(30 Months)12.00%

The Operating Hour of RTGS and NEFT:-

  • Valuation of property offered for mortgage is 2 time or more than loan limit – rebate @ 0.50%.

  • Valuation of property offered for mortgage is 2.5 or more than loan limit – rebate @1%

  • Valuation of property offered for mortgage is 3 time or more than loan limit – rebate @1% in case of real estate finance.

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