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Interest Rate Chart

Interest Rates Chart - Deposits / Loans & Advances

Sr.

Particulars

Rate of Interest From 10/03/2022

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 99 days (Simple Interest)

3.90 %

4.40 %

c.

100 days

4.75 %

5.25 %

d.

101 Days to 180 Days

3.90 %

4.40 %

e.

181 days to less than 1 Year

4.40 %

4.90 %

f.

1 Year to below 3 Year

5.20 %

6.00 %

g.

3 Year to less than 5 Year

5.45 %

5.95 %

h.

5 Years to 10 Years

5.50 %

6.30 %

i.

Tax Benefit Term Deposit Scheme

5.50 %

5.50 %

Sr.

Type of Loans & Advances

Interest Rates (P.A.)

1

Hypothecation

 

A

Rs.25.00 Lakh and Above

 

 

AUB - 1

9.15%

 

AUB - 2

9.65%

 

AUB - 3

11%

 

OTHER

12%

B

Below Rs.25.00 Lakh
a)Collateral security is available more than 75%.
b) The unit is in existence for last 5 years in the activity.
c) For New units or units in existence for less than 5 years & collateral security 100%.

9.5%

C

a) Collateral security is available from 50 – Less than 75% & unit is in existence for last 5 years.

10%

2

Pledge

12%

3

Cash Credit (Secured)

 

a

Operating Limit to Builders & Developers

15.75%

b

Operating Limit to Professionals

12.5%

c

Cash Credit Others

 

 

Rs.25.00 Lakh and Above

 

 

AUB - 1

10.15%

 

AUB - 2

10.65%

 

AUB - 3

12.25%

 

OTHER

13%

 

Below Rs.25.00 Lakh

11%

4.

Cash Credit ( Un Secured )

15.75%

5

HOUSING LOAN

 

a

Score 90 and above

9%

b

Score 80 to below 90

9.25%

c

Score 70 to below 80

9.5%

d

Score 50 to below 70

10%

6

CAR LOAN

9.25%

7

EDUCATION LOAN

 

 

EDUCATION LOAN (In India)
Existing Accounts

11.25%

 

EDUCATION LOAN (Abroad)
Existing Accounts

11%

 

EDUCATION LOAN (In India)
Sanctioned after 01/01/2021

10%

 

EDUCATION LOAN (Abroad)
Sanctioned after 01/01/2021

9.75%

8

EASY LOAN A.I.P. (TXN)

11%

9

A.I.P. (INST)

11%

 

LAIP ( Transaction )

11.75%

 

LAIP ( Instalment )

11.75%

10

WHR

10.25%

11

GOLD LOAN

9.25%

12

TERM LOAN FOR BUSINESS PURPOSE (New Product)
1.For New Entrepreneurs where Immovable asset is created out of bank finance and collateral security is 40% or more.
2. For New Entrepreneurs where other than Immovable asset is created out of bank finance and collateral security is 60% or more.
3.For existing Borrower / customer with satisfactory track record.

9%

 

TERM LOAN FOR BUSINESS PURPOSE (New Product)
1.For New Entrepreneurs where Immovable asset is created out of bank finance and collateral security is less than 40% or no collateral.
2. For New Entrepreneurs where other than Immovable asset is created out of bank finance and collateral security is 25% or less than 60% of loan amount.

9.5%

a

Term Loan ( SSI Unit )

9.25%

b

TERM LOAN/ COMM. VEHICLE (Upto 25 lakhs) - Existing Accounts

11.5%

 

AUB - 1

9.9%

 

AUB - 2

10.4%

 

AUB - 3

11%

 

OTHER

11.25%

c

Term Loan PROF DOCTOR

 

i

Score 90 and above

9%

ii

Score 80 to below 90

9.25%

iii

Score 70 to below 80

9.5%

iV

Score 60 to less than 70

10%

 

TL for construction of Rural Godown under NABARD Scheme.

9.5%

 

TL for installation of Solar Panel

9.25%

d

Term Loan Builders & Developers ( Project Finance )

15.75%

13

Vehicle Loan Two Wheeler

11.5%

14

Agriculture Loan (Short Term )

12.25%

 

Agriculture Loan (Long Term )

10%

15

Secured Instalment Loan Existing Accounts

13.25%

16

Secured Instalment Loan New Product w.e.f. 01/08/2020

11.5%

17

Loan Against NSC, LIC & Other Govt. Securities

11.25%

18

GR Loan, Surity Loan & JSY

15.25%

19

OTHERS( AUB Vidyanidhi, AUB Prof. , AUB Mahila Udhyogini, Aub Rent Receivable

11.5%

20

Bill Discount/ Purchase Bill under Letter of Credit & I.B.P. ( Inland Bill Purchase )

12.75%

* Conditions Applied

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