Deposits (w.e.f  01/03/2024)

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 4.50 4.75
3 13 months to 24 months

25 months to 36 months

37 months to 60 months

61 months to 120 months

7.50

7.50

7.50

7.50

7.75

7.75

7.75

7.75

 

4 Income Tax Act, 1961, u/s 80C period minimum 5 years not enhanceable before maturity and no loan facility against FDR 7.50
5 Recurring Deposit Complete 12 Months and above 7
6 Dhanwardhini Recurring Deposit Scheme- for 69 months 7.25
7 Saving Deposit 2.50 2.50

 

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 4.50 %
3 Above 12 months and upto 24 months 7.50%
4 Above 24 months and above 7.50%

Loans  (w.e.f  01/07/2023)

Sr No Loan Limit Interest Rate
1 Golden Jubilee Housing Loan 9.25
Credit Score – 650 to 750 8.75
Credit Score – 751 to 799 8.50
Credit Score – 800 or more 8.25
2 Golden Jubilee Housing Loan – Top-up 10.25
Credit Score – 650 to 750
Credit Score – 751 to 799
Credit Score – 800 or more
3 Upto Rs.140.00 Lakh (Grampanchayat Sanctioned plan) 10.00
Credit Score – 650 to 750 9.50
Credit Score – 751 to 799 9.25
Credit Score – 800 or more 8.25
Farm House 11.00
4 Housing loan Top up (Gramin) 10.50
Credit Score – 650 to 750
Credit Score – 751 to 799
Credit Score – 800 or more
5 Up to 140 lakh (urban/ Mahanagarpalika / Nagarpanchayat sanctioned plan/town planning 9.45
Credit Score – 650 to 750 9.25
Credit Score – 751 to 799 8.50
Credit Score – 800 or more 8.25
6 Housing Top up (Urban/Shahari) 10.50
Credit Score – 650 to 750
Credit Score – 751 to 799
Credit Score – 800 or more
7 Personal Loan- upto 2 lakh 12.50
Personal Loan (2 lakh to 5 Lakh) 13.50
8 Golden Jubilee vehicle Loan 8.50
VEH Loan two wheeler 8.50
VEH Loan four wheeler 8.50
Vehicle Loan Commercial and 2/3 Wheeler 10.50
Machinary Hypo. 12.00
Agriculture Hypo. 10.50
Golden Jubilee consumer Loan 11.00
9 Mortgage Loan 10.50
Credit Score -650 to 799 10.25
Credit Score -800 & Above 10.00
Overdraft against Property 12.00
Credit Score -650 to 799 11.50
Credit Score -800 & Above 11.00
Advance against NSC 12.00
Working capital Term Loan 12.00
Credit Score -650 to 799 11.50
Credit Score -800 & Above 11.00
10 Gold Loan-Bullet Repayment (upto 1 year of amount 2 lakh) 8.50
Gold Loan-(upto 3 year of amount 2 lakh)
CC against Gold Security
11 Allied Agri Term Loan 09.25
Agri Thibak Sinchan Loan 11.00
Direct Finance Agri. Loan 14.00
Agri and Agri Business Loan 09.75
Sugar Factory Preseasonal Agri Loan(Limited) 10.50
12 Term Loan MSME 9.25
Term Project DCCO Loan 09.25
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) 16.00
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