LOANS/ADVANCES
| Sl No. |
Segment |
w.e.f 14.12.2020 |
| 1 |
Jewellery loans |
10.50% |
| 1. Interest Rates on Housing Loans (Gruha Laxmi Housing Loan campaign is Running up to
31.03.2025 w.e.f 01.07.2024) |
| CIBIL Rating |
Revised Gruha laxmi Campaign 2.0 Int Rates |
| Up to Rs.25.00 lakhs |
Rs.25.01 to Rs.50.00 lakhs |
Above Rs 50.00 lakhs |
| >825 |
8.50% |
8.50% |
8.50% |
| >800 |
8.70% |
8.70% |
8.70% |
| 750 to 800 |
8.95% |
8.95% |
9.15% |
| 700 to 749 |
9.25% |
9.25% |
9.35% |
| 650-699 |
10.10% |
10.20% |
10.00% |
| 600-649 |
10.20% |
10.25% |
10.35% |
| 550-599 |
10.25% |
10.50% |
10.50% |
| NO CIBIL/NTC/-1 |
9.25% |
9.45% |
9.65% |
| Car loans to Existing HL / Mortgage Loan Customers - w.e.f 15.02.2023 |
| Cibil Score |
Existing Rates |
Revised Rates |
| >=700 |
9.00 - 9.20 % |
10.00% |
| 650-699 |
9.50% |
10.20% |
| 600-649 |
9.50% |
10.50% |
| 550-599 |
NA |
NA |
| NTC / NO CIBIL SCORE / -1 |
NA |
NA |
| 2. Interest Rates on Vehicle Loans (Car Loans) w.e.f 04.09.2024 |
| CIBIL Score |
Rate of Interest |
| 800 & Above |
8.95% |
| 751-799 |
9.45% |
| 701-750 |
9.70% |
| 700& below |
9.95% |
| NTC or -1 |
10.00% |
| Car Loan to existing Housing loan borrowers (w.e.f 04.09.2024) |
| CIBIL Score |
Rate of Interest |
| Check-off facility customers |
9.10% |
| 750 & above |
9.10% |
| 700-749 |
9.30% |
| Below 700 |
10.00% |
| NTC/ No CIBIL/ -1 |
9.10% |
Note 1): Special Concession of 25bps is available on Electric vehicles
Note 2): Special concession 10bps available for women borrowers
Note 3): Car loan facility against Fixed deposit is available
| 3. Education Loan Interest rates |
| Education loan Scheme name |
Loan Limit |
| Education loan Scheme name |
Loan Limit |
| Education Loan Scheme up to Rs 20.00 Lakhs |
12% |
12.5% |
| 50 bps concession is available for girl students |
| |
TGB-Elite Education Scheme
for studies in India/Abroad (New Variant with enhanced limit) |
| Studies In India |
Studies in Abroad |
| 12.5% |
13% |
| Sl No. |
Segment |
w.e.f 13.03.2018 |
| 1 |
Mudra Shishu Loans |
10.00% |
| Sl No. |
Segment |
Revised Rate of Interest sanctioned/renewed on or after 01.12.2017 |
| 1 |
TBL Loans |
12.50% |
| 2 |
Mortgage Loans |
12.50% |
| 3 |
Agriculture Term Loans/AATL |
12.50% |
| 4 |
Tractors/Harvesters for Agriculture Purpose |
12.50% |
| 5 |
Self Help Groups (NRLM)-Up to 3 Lakhs | 7.00% |
|
Self Help Groups (NRLM)- 3- 5 Lakhs | 10.00% |
|
Self Help Groups (NRLM)- Above 5 Lakhs | 12.50% |
|
Self Help Groups (NULM) | 12.50% |
| Sl No. |
SEGMENT |
Revised Rate of Interest w.e.f 01.08.2017 |
| 1 |
Personal Loans
|
|
Salary Account maintained with us. |
12.50% |
|
With Check off facility |
13.50% |
| SEGMENT |
Revised w.e.f 25.04.16 |
|
Kisan Credit Card ( KCC)
|
| Upto Rs.3.00 lakh | 7.00% |
| Above Rs.3.00 lakhs | 14.00% |
| ( ROI is applicable for the first year and up to 14 % will be charged in case of over dues) |
*Revised Rate of Interest sanctioned/renewed on or after 14.12.2020
