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Interest Rate Chart

Interest Rates Chart - Deposits / Loans & Advances

Sr.

Particulars

Rate of Interest From 30/05/2020

1.

Current Deposit

NIL

2.

Saving Deposit

2.50 %

3.

Saving Deposit Plus Scheme

2.50 %

4.

Saving Deposit Gold Scheme
(This Scheme is closed on Dt. 20.12.2019 but
existing account rate will be)

4.00 %

5.

Term Deposit - Period of Deposit

 

a.

30 days to 45 days (Simple Interest)

2.90%

b.

46 days to 180 days (Simple Interest)

3.90%

c.

181 days to less than 1 year

4.40%

d.

1 Year to 2 years

5.10%

e.

Above 2 Years to less than 3 Years

5.10%

f.

3 Years to less than 5 Years

5.30%

g.

5 Years to 10 Years

5.40%

h.

For Senior Citizens (age above 60 yrs) (for a to g)

0.50% Additional on regular rate of interest

i.

Tax Benefit Term Deposit Scheme

5.40%

Sr.

Type of Loans & Advances

Interest Rates (P.A.)

1A

Hypothecation (Below Rs.25.00 Lac)*

10.00%

1B

Hypothecation (Rs.25.00 Lac & Above) *

9.90%

2

Pledge

12.50%

3A

Cash Credit - Secured (Below Rs.25.00 Lac)

11.50%

3B

Cash Credit - Secured Others (Rs.25.00 Lac & Above) *

10.90%

4.

Cash Credit - Secured

a.

Operating Limit to Builders & Developers

16.25%

b.

Operating Limit to Professionals

13.00%

5.

Cash Credit - Unsecured

16.25%

6.

Loan Against Gold Ornaments

9.75%

7.

Loan Against Property (upto Rs.100.00 Lac) (Installment & Transactional)

12.25%

8.

Term Loan

a.

SSI Unit

9.75%

b.

Other / Comm. Vehicle

12.00%

c.

Professionals Doctor *

10.00%

d.

Builders & Developers (Project Finance)

16.25%

9.

Secured Installment Loan

13.75%

10.

Housing *

9.50%

11.

Vehicle Loan Two Wheeler

12.00%

12.

Car Loan

9.75%

13.

Educational Loan

a.

Education in India

11.75%

b.

Education in Abrod

11.50%

14.

Agricultural Loan (Short Term & Long Term)

12.75%

15.

Loan Against Warehouse Receipts / NBHC

10.75%

16.

Others (AUB Vidyanidhi, AUB Prof., AUB Mahila Udyogini, AUB Rent Receivable )

12.00%

17.

Loan Against NSC, LIC & Other Govt. Securities

11.75%

18.

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

13.25%

19.

Guarantee Repayment / Surety / Jankalyan Sulabh Yojna

15.75%

* Conditions Applied

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