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Rate Cards For All Product

Sr.No.

Type of loan & Margin 

Product Code

Period

Maximum loan limit

Old Interest rates

New Interest rates from Dt.01.05.2020

Working capital Loan( Cash Credit Limit)

1

Cash credit professional working capital

(Mortgage/real estate Loan)

505

36 months

Rs. 60.00 Lac

11.00%

11.00%

2

Professional loan (for Doctors, CA, Engineer (working capital)

505

36 months

Rs. 5.00 Lac

12.00%

12.00%

3

Cash Credit Hypothecation Margin 30%

502

36 months

Rs. 180.00 Lac

 

 

Upto Rs. 50.00 Lac

14.00%

13.00%

Above Rs. 50.00 Lac and below Rs. 60.00 Lac

13.50%

12.00%

For Rs. 60.00 Lac and Above it(Under the rules and norms of credit rating and skipping rebate scheme

12.00%

11.25%

4

Retail Hypothecation margin 50%

714

36 months

Rs. 4.00 Lac

14.50 %

14.50%

5

Cash Credit Traders Loan to Traders Working Capital Margin for Immovable Properties 40%

504

36 months

Rs. 180.00 Lac

 

 

Upto Rs. 15.00 Lac

15.00%

13.50%

Above Rs. 15.00 Lac and upto Rs. 50.00 Lac

15.00%

12.50%

Above Rs. 50.00 Lac and upto Rs. 60.00 Lac

14.50%

12.50%

Rs. 60.00 Lac and above it (Under the rules and norms of credit rating and skipping rebate scheme)

12.00%

11.50%

6

Cash Credit Secured

501

36 months

Rs. 200.00 Lac

17.00%

17.00%

7

Pledge of goods

Pledge godown limit  margin 30% to 40%

720

12 months

Rs. 180.00 Lac

10.50%

10.50%

8

Cash Credit Clean

500

36 months

Rs. 00.50 Lac

17.00%

17.00%

9

A) Loan against Term Deposit

 

 

 

 

 

 

 

 

 

 

 

B) For cooperative organisations Margin

15%

 

 

722/719

Minimum 1 year or proportionate to maturity date

Margin 15%

For loan upto Rs.10.00 Lac, 

1.50 % more interest rate  as compared to term deposit 

 

 

 

For loan upto Rs.10.00 Lac, 

1.50 % more interest rate  as compared to term deposit

For loan upto Rs.10.00 Lac, 

1.50 % more interest rate  as compared to term deposit

 

 

 

 



For loan upto Rs.10.00 Lac, 

1.00 % more interest rate  as compared to term deposit

 

Note: For slab-wise Interest application on the loan against deposit, observe and implement according to separately attached manual with HO manual no. I.C./2016-17/Planning & development 02/04 dated:16.04.2016

Term Loan

10

Secu. Cash Credit (EMI)

713

60 months

17.00%

17.00%

11

Housing Loan New/ Resale Purchase margin 15% to 25%

705

240 months

Rs. 50.00 Lac

12.00%

9.50%

12

Housing Loan for Repair renovate

Margin on Home repair renovate 15% to 25%

729

240 months

Rs. 30.00 Lac

15.50%

15.50%

13

Loan to traders term loan margin 15%

715

36 to 120 months

Rs. 200.00 Lac

 

 

Upto Rs. 200.00 Lac

15.25%

15.25%

Above Rs. 25.00 and upto Rs. 50.00 Lac

15.00%

15.00%

Rs. 50.00 Lac and upto Rs.60.00 Lac

Upto Rs.60.00 Lac

14.75%

14.75%

Rs.60.00 Lac and above

Rs. 60.00 Lac and above it (Under the rules and norms of credit rating and skipping rebate scheme)

12.00%

12.00%

14

Loan against commercial real estate margin- 40%

733

20 months

Rs. 200.00 Lac

15.50 %

15.50 %

15

Grain safety term loan margin 20%

734

15 months

Rs. 200.00 Lac

 

 

 

 

Upto Rs. 60.00 Lac

13.00 %

13.00 %

 

 

Rs. 60.00 Lac and above Rs. 60.00 Lac(Under the rules and norms of credit rating and skipping rebate scheme)

12.00%

12.00%

16

Term Loan/ G.R.loan

 701

Rs. 5.00 Lac

Rs. 5.00 Lac

 

 

Rs. 2.00 Lac

16.00 %      

16.00 %      

Term Loan/ G.R.loan

701

60 months

Above Rs. 2.00 Lac and upto Rs. 2.00 Lac

16.00 %

16.00 %

Salary earner Group Guarantee Loan 

728

60 months

Rs. 5.00 Lac

16.00 %

11.00 %

Vehicle Loan

17

 

703

36 months

Rs. 1.00 Lac

13.00 %

13.00 %

A) Vehicle Loan for 3 & 4 wheelers

 

B) 3&4 wheelers margin 25% to 40%

704

36-60 months

Rs. 15.00 Lac (Personal)

15.00 %     

15.00 %     

Rs. 15.00 Lac for each vehicle(Professional)

15.00 %     

15.00 %     

Festival 4 wheeler loan


C)Festival 4 wheeler loan Scheme

727

60 months

Rs. 20.00 Lac (Personal)

9.50 %

9.50 %

60-84 months

Rs.250.00 Lac
(Professional)For each vehicle Rs.40.00 Lac

10.50 %

9.50 %

18

E Vehical loan for 2 & 3/4 wheelers

A. 2 wheelers margin 50%

 

3 & 4 wheelers margin 30%

741




12 Months

 

36 Months




Rs. 1 lakh



Rs. 1 lakh




14.00%



14.00%




14.00%



14.00%



Sr.No.

Type of loan & Margin 

Product Code

Period

Maximum loan limit

Old Interest rates

New Interest rates from Dt.13.11.2017

19

Professional loan (EMI)

Professional loan Doctor (Term loan)

721

60 months

Rs. 200.00 Lac

 

 

 

 

 

 

Upto Rs. 60.00 Lac

13.00 %      

13.00 %

Rs. 60.00 Lac and above Rs. 60.00 Lac(Under the rules and norms of credit rating and skipping rebate scheme)

12.00 %      

12.00 %      

20

Consumer durable loan margin 25% to 40%

706

36-60 months

Rs. 1.00 Lac

16.50 %     

16.50 %     

21

Term Loan- Plant & Machinery margin 25% to 40%

716

36-60

months

Rs. 250.00 Lac

 

 

Below Rs. 60.00 Lac

13.00 %      

13.00 %

Rs. 60.00 Lac and above Rs. 60.00 Lac(Under the rules and norms of credit rating and skipping rebate scheme)

13.00 %      

12.00 %

22

Industrial Loan margin 25% to 40%

723

36-60 months

Rs. 250.00 Lac

 

 

 

 

 

 

Below Rs. 60.00 Lac

15.50 %

13.00 %

 

 

 

 

Rs. 60.00 Lac and above Rs. 60.00 Lac(Under the rules and norms of credit rating and skipping rebate scheme)

15.50 %

12.00 %

23

Loan Immovable property

Margin 50%

711

84 months

Rs. 15.00 Lac

 

 

Upto Rs. 5.00 Lac

17.00 %      

17.00 %      

Above Rs. 5.00 Lac

16.00 %

16.00 %

24

Education Loan

708

84 months

For education in India upto Rs. 10.00 Lac

14.00 %   

14.00 %

 

For education out of India Rs.20.00 Lac

25

Term loan- Consumption loan

702

36 months

Rs.00.50 Lac

17.00 %      

17.00 %      

26

General gold loan (General gold loan)upto 60%

736 - upto 2 Lacs

12 months

Upto Rs. 200.00 Lac

Yearly Loan repayment

12.00 %

 

9.50 %

Premium gold loan (Premium gold loan)upto 60%

736 - above 2 Lacs

12 months

Above Rs.2.00 Lac upto 10 Lacs Monthly loan repayment/3 months/in 6 months

12.00 %

9.50 %

Agricultural gold loanupto 60%

 735

12 months

Maximum loan limit upto Rs. 2.00 Lacs loan repayment on yearly basis

A)  Maximum loan limit above Rs. 2.00 Lacs upto 10.00 lacs

loan repayment on monthly/3 months/6 months yearly basis

12.00 %

9.50 %     

27

Term loan- warehouse(upto 60%)

718

6 months

Rs. 25.00 Lac

12.00 %

12.00 %

Term loan- warehouse(upto 61%-75%)

718

6 months

Rs. 25.00 Lac

13.00 %

13.00 %

28

Loan against LIC

Loan Ag. Gov Sec. NSC/LIC

Margin 25%

724

3 years

(according to insurance and period of deposits)

 

A) Policy surrender value

B) Govt. Security Bond

on these both Margin 25%

 

13.00 %

13.00 %

29

Loan against other deposit

 L A D RD

margin 30%

722

6 months

Keeping margin 30% on Deposited value of DRD

12.00 %     

12.00 %     

30

Term loan to self help groups(for females) (¼SELF HELP GROUP)

732

12-24  months

Rs. 10.00 Lac

18.00 %

18.00 %

Upto Rs. 10.00 Lac(for groups)

Rs. 50,000.00  (Personal)

31

Shop purchase and Construction loan Shop Purchase special Scheme

738

3 - 10 years

Rs. 15.00 Lac

12.00 %

10.00 %

32

Agriculture Loan(finance to agriculturist Loan)

Margin 20%

742

7 years

Rs. 15.00 Lac

-----------

14.00%

33

Solar System

Margin 20%

739

84 Months

Rs. 10.00 Lac

13.00 %

13.00 %



Sr.No.

Type of loan & Margin 

Product Code

Period

Maximum loan limit

Old Interest rates

New Interest rates from Dt.13.11.2017

Staff Loan (for Employees)

34

Staff Loan

 

708

 

84 months

Rs. 1.00 Lac (According to post)

 

 

Rs. 1.00 Lac for CEO, D.G.O & A.G.O

10.50 %

10.50 %

Rs. 1.00 Lac for Senior officers

10.50 %

10.50 %

Rs. 1.00 Lac for Junior officers

10.50 %

10.50 %

Rs. 50,000/- for Clerk

10.50 %

10.50 %

Rs. 50,000/- for  Peon

10.50 %

10.50 %

35

Staff Housing Loan

 

710

240 months

Rs. 30.00 Lac

 

7.50%

(for 1st time)

8.50%

(for 2nd time)

7.50%

(for 1st time)

8.50 %(for 2nd time)

36

LAIP Margin 40%

730

60 months

Rs. 7.00 Lac(Accor. to post)

11.00 %

11.00 %

Rs. 7.00 Lac for CEO, D.G.O & A.G.O

11.00 %

11.00 %

Rs. 7.00 Lac for Senior officers

11.00 %

11.00 %

Rs. 5.00 Lac for Junior officers

11.00 %

11.00 %

Rs. 4.00 Lac for Clerk

11.00 %

11.00 %

Rs. 3.00 Lacfor  Peon

11.00 %

11.00 %

37

Staff Vehicle Loan/C.D(Two Wheeler) margin20%

703

60 months

Vehicle/ keeping margin of 20% on price of  Electronics goods

10.00 %

10.00 %

Vehicle Loan (4 Wheeler)

Margin 20%

727

84 months

Keeping margin of 20% on the price of vehicle

10.00 %

10.00 %

 

 

 

38

Gold Margin 25%

736

12 months

Rs. 6.00 Lac(Accor. to post)

 

 

Rs. 6.00 Lac for CEO, D.G.O & A.G.O

10.00 %

10.00 %

Rs. 6.00 Lac for Senior officers

10.00 %

10.00 %

Rs. 6.00 Lac for Junior officers

10.00 %

10.00 %

Rs. 4.00 Lacfor Clerk

10.00 %

10.00 %

Rs. 2.00 Lacfor  Peon

10.00 %

10.00 %

39

 NSC/LIC

margin 15%

724

12 monthss

Rs. 6.00 Lac(Accor. to post)

 

 

Rs. 6.00 Lac for CEO, D.G.O & A.G.O

10.00 %

10.00 %

Rs. 6.00 Lac for Senior officers

10.00 %

10.00 %

Rs. 6.00 Lac for Junior officers

10.00 %

10.00 %

Rs. 4.00 Lac for Clerk

10.00 %

10.00 %

Rs. 2.00 Lac for  Peon

10.00 %

10.00 %