Deposits (w.e.f  01/10/2021)

Deposits Rate w.e.f. 01/10/2021

 

Sr. No. Type of Deposit and Period Interest Rates (%)
Ordinary Senior Citizen
1 14 days upto 180 days 3.00 3.25
2 181 days upto 365 days 3.50 3.75
3 Above 12 months 5.50 5.75
4 Income Tax Act, 1961, u/s 80C period minimum 5 years not enhanceable  before maturity and no loan facility against FDR 6.00
5 Recurring Deposit Complete 12 Months and above 5.75
6 Dhanwardhini Recurring Deposit Scheme- for 69 months 6.00
7 Saving Deposit 2.65 2.65

 

Institutional Deposits:-

Sr. No. Type of Deposit and Period Interest Rates
1 14 days upto 180 days 3.00 %
2 181 days upto 365 days 3.50 %
3 Above 12 months and upto 24 months 5.50%
4 Above 24 months and above 5.50%

Loans  (w.e.f  01/10/2021)

INTEREST RATES PAGE

 

Sr No Loan Limit Interest Rate
1 Golden Jubilee Housing Loan 8.50
Credit Score – 650 to 750 8.00
Credit Score – 751 to 799 7.75
Credit Score – 800 or more 7.25
2 Golden Jubilee Housing Loan – Top-up 9.50
Credit Score – 650 to 750 9.00
Credit Score – 751 to 799 8.75
Credit Score – 800 or more 8.25
3 Upto Rs.70.00 Lakh (Grampanchayat Sanctioned plan) 9.00
Credit Score – 650 to 750 8.00
Credit Score – 751 to 799 7.75
Credit Score – 800 or more 7.50
Farm House 10.50
4 Housing loan Top up (Gramin) 10.00
Credit Score – 650 to 750 9.00
Credit Score – 751 to 799 8.75
Credit Score – 800 or more 8.50
5 Up to 70 lakh (urban/Mahanagarpalika/ nagarpanchayat sanctioned plan/town planning 8.50%
Credit Score – 650 to 750 8.00
Credit Score – 751 to 799 7.75
Credit Score – 800 or more 7.25
6 Housing Top up (Urban/Shahari) 9.50%
Credit Score – 650 to 750 9.00
Credit Score – 751 to 799 8.75
Credit Score – 800 or more 8.25
7 Personal Loan- upto 2 lakh 11.00%
Personal Loan (2 lakh to 5 Lakh) 12.00
8 Golden Jubilee vehicle Loan 7.90
Hypothication Loan 7.90
VEH Loan two wheeler
VEH Loan four wheeler
Vehicle Loan Commercial 10.50
Machinary Hypo.
Goldet Jubilee consumer Loan 11
9 Mortgage Loan/SSI/Small Business/Retail trade(SSI/SB/RT)/shop Purchase/Furniture/Interior/Solar Power Units generation/Builder Loan 10.50
Overdraft against Property 12.00
Advance against NSC 12.00
Working capital Trm Loan 12.00
10 Gold Loan-Bullet Repayment (upto 1 year of amount 2 lakh) 7.95
Gold Loan-(upto 3 year of amount 2 lakh)
CC against Gold Security
11 Agriculture Loan -Thibak Sinchan Sanch 11.00
Agri and agri Business Loan 9.50
Sugar Factory Preseasonal Agri Loan(Limited) 10.50
12 Golden Jubilee Overdraft/CC 10.00
OD against salary scheme (Limit Upto Rs 5 lakh) 10.00
13 Cash Credit 12.50
14 Loan Against Term Deposit
Rate 1% More than that of Term Deposit
Rate 1/2(half)% More than that of Term Deposit of 50 lakh or more
Third Party Term Deposit Loan 12.00
15 Ad-Hoc Limit (2.50 % over and above the normal Rate of interest) 15.00
16 TOD 18.00
17 Current A/c OD 21.00
18 Book Debts(CC) 14.00
19 Cheque Purchase 18.00

Note :

1)      Loan against FDR above Rs.50.00 lakh – RIO  @0.50% more than ROI on FDR