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Loans & Advances |
| Interest Rates on Loans & Advances wef 01.09.2011 |
| Si No |
Segment |
Interest Rates
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| 1 |
Crop Loans including Agr. Gold Loans, KCC, RMGs |
| A |
Crop Loans (Disbursed during the subvention period) |
a). Up to Rs 3.00 lacs |
7.00% |
| b). Above Rs 3.00 Lacs |
14.00% |
| B |
After Subvention period(After due date) |
14.00% |
| 2 |
Agricultural Term Loans |
a) Up to Rs 50,000/- |
13.00% |
| b) Above Rs 50,000/- |
14.00% |
| 3 |
Allied Agri. Term Loans |
a) Up to Rs 50,000/- |
13.00% |
| b) Above Rs.50,000/- |
14.00% |
| 4 |
ISB-Cash Credits, Term Loans and composite Term Loans including Transport Operators |
a) Up to Rs. 2,00,000/- |
14.00% |
| b) Above Rs 2,00,000/- |
15.00% |
| 5 |
Self Help Groups |
a) Direct to Groups |
14.00% |
| b) Through MACS/VOs |
15.00% |
| 6 |
Gold Loans- Personal Purpose |
15.00% |
| 7 |
Consumer Durable Loans and Personal Loans |
17.00% |
| 8 |
Mortgage Loans |
15.50% |
| 9 |
Housing Loans up to Rs.20 Lacs |
11.25% |
| Housing Loans above Rs.20 Lacs |
12.00% |
| For repairs and Up gradation (Max Rs 2 Lacs) |
14.00% |
| 10 |
Education Loans |
a) Up to Rs 2,00,000/- |
12.00% |
| b) Above Rs 2,00,000/- to Rs 4,00,000/- |
13.00% |
| c) Above Rs 4,00,000/- |
14.00% |
| 11 |
Demand Loans ( Loans against NSC/KVP/LIC Policies etc) |
15.00% |
| 12 |
Vehicle Loans |
Irrespective of Old or New Vehicles |
15.00% |
| 13 |
Small and Medium Enterprises (SME) Loans |
a) Up to Rs 10,00,000/- |
14.00% |
| b) Above Rs 10,00,000/- |
15.00% |
| 14 |
Clean Overdraft |
18.50% |
| 15 |
General Purpose Credit Cards (G.C.C) |
Maximum limit of Rs 25000/- |
14.00% |
| 16 |
Swarnajayanti Grama Swarojgar Yojana (SGSY) |
For any limit |
14.00% |
| 17 |
Solar off Grid Units |
|
11.00% |
| 18 |
SB-cum-OD |
For Over draft balance
For Credit Balances
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14.00%
4.00%
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