Interest Rate Chart
Interest Rates Chart - Deposits / Loans & Advances
- Interest Rate of Deposit w.e.f. 02/01/2023
- Interest Rates on Loans & Advances with effect from 01/05/2023
Sr. |
Particulars |
Rate of Interest From 02/01/2023 |
Senior Citizen |
|---|---|---|---|
1. |
Current Deposit |
NIL |
NIL |
2. |
Saving Deposit |
|
|
(a) |
Saving Deposit |
2.50 % |
2.50 % |
(b) |
Saving Deposit Plus Scheme |
2.50 % |
2.50 % |
(c) |
Saving Deposit Gold Scheme (This Scheme is closed on Dt. 20.12.2019 but existing account rate will be) |
4.00 % |
4.00 % |
3. |
Term Deposit - Period of Deposit |
|
|
a. |
30 days to 45 days (Simple Interest) |
2.90 % |
3.40 % |
b. |
46 days to 180 days (Simple Interest) |
4.50 % |
5.00 % |
d. (This Scheme is closed From 01/09/2022 ) |
101 Days to 180 Days |
3.90 % |
4.40 % |
e. |
181 days to less than 1 Year |
5.50 % |
6.00 % |
f. |
1 Year to below 3 Year |
6.75 % |
7.25 % |
g. |
3 Year to less than 5 Year |
5.60 % |
6.10 % |
h. |
5 Years to 10 Years |
6.10 % |
6.90 % |
i. |
Tax Benefit Term Deposit Scheme |
6.10 % |
6.90 % |
Sr. |
Type of Loans & Advances |
Interest Rates (P.A.) |
|---|---|---|
1 |
Hypothecation |
|
A |
Rs.25.00 Lakh and Above |
|
|
AUB - 1 |
9.30% |
|
AUB - 2 |
9.80% |
|
AUB - 3 |
11.15% |
|
OTHER |
12.15% |
B |
Below Rs.25.00 Lakh |
9.65% |
C |
a) Collateral security is available from 50 – Less than 75% & unit is in existence for last 5 years. |
10.15% |
2 |
Pledge |
12.15% |
3 |
Cash Credit (Secured) |
|
a |
Operating Limit to Builders & Developers |
15.90% |
b |
Operating Limit to Professionals |
12.65% |
c |
Cash Credit Others |
|
|
Rs.25.00 Lakh and Above |
|
|
AUB - 1 |
10.30% |
|
AUB - 2 |
10.80% |
|
AUB - 3 |
12.40% |
|
OTHER |
13.15% |
|
Below Rs.25.00 Lakh |
11.15% |
4. |
Cash Credit ( Un Secured ) |
15.90% |
5 |
HOUSING LOAN |
|
a |
Score 90 and above |
9.15% |
b |
Score 80 to below 90 |
9.40% |
c |
Score 70 to below 80 |
9.65% |
d |
Score 50 to below 70 |
10.15% |
6 |
CAR LOAN |
9.40% |
7 |
EDUCATION LOAN |
|
|
EDUCATION LOAN (In India) |
11.40% |
|
EDUCATION LOAN (Abroad)
|
11.15% |
|
EDUCATION LOAN (In India) |
10.15% |
|
EDUCATION LOAN (Abroad) |
9.90% |
8 |
EASY LOAN A.I.P. (TXN) |
11.15% |
9 |
A.I.P. (INST) |
11.15% |
|
LAIP ( Transaction ) |
11.90% |
|
LAIP ( Instalment ) |
11.90% |
10 |
WHR |
10.40% |
11 |
GOLD LOAN |
9.40% |
12 |
TERM LOAN FOR BUSINESS PURPOSE (New Product) |
9.15% |
|
TERM LOAN FOR BUSINESS PURPOSE (New Product) |
9.65% |
a |
Term Loan ( SSI Unit ) |
9.40% |
b |
TERM LOAN/ COMM. VEHICLE (Upto 25 lakhs) - Existing Accounts |
11.65% |
|
AUB - 1 |
10.05% |
|
AUB - 2 |
10.55% |
|
AUB - 3 |
11.15% |
|
OTHER |
11.65% |
c |
Term Loan PROF DOCTOR |
|
i |
Score 90 and above |
9.15% |
ii |
Score 80 to below 90 |
9.40% |
iii |
Score 70 to below 80 |
9.65% |
iV |
Score 60 to less than 70 |
10.15% |
|
TL for construction of Rural Godown under NABARD Scheme. |
9.65% |
|
TL for installation of Solar Panel |
9.40% |
d |
Term Loan Builders & Developers ( Project Finance ) |
15.90% |
13 |
Vehicle Loan Two Wheeler |
11.65% |
14 |
Agriculture Loan (Short Term ) |
12.40% |
|
Agriculture Loan (Long Term ) |
10.15% |
15 |
Secured Instalment Loan Existing Accounts |
13.40% |
16 |
Secured Instalment Loan New Product w.e.f. 01/08/2020 |
11.65% |
17 |
Loan Against NSC, LIC & Other Govt. Securities |
11.40% |
18 |
GR Loan, Surity Loan & JSY |
15.40% |
19 |
OTHERS( AUB Vidyanidhi, AUB Prof. , AUB Mahila Udhyogini, Aub Rent Receivable |
11.65% |
20 |
Bill Discount/ Purchase Bill under Letter of Credit & I.B.P. ( Inland Bill Purchase ) |
12.90% |
* Conditions Applied |
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