Deposits (w.e.f  15/10/2020)

Deposits Rate w.e.f. 15/10/2020

 

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 6.00 6.25
4 Income Tax Act, 1961, u/s 80C period minimum 5 years not enhanceable  before maturity and no loan facility against FDR 6.50
5 Recurring Deposit Complete 12 Months and above 6.00
6 Dhanwardhini Recurring Deposit Scheme- for 69 months 6.50
7 Saving Deposit 2.75 2.75

 

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 6.00%
4 Above 24 months and above 6.00%

Loans  (w.e.f  15/02/2021)

Loans w.e.f. 03/05/2021

 

Sr. No. Loan Limit Interest Rate
1 Personal Loan Rs.2.00 Lakh 11.00 %
Personal Loan above Rs.2.00 Lakh and upto Rs.5.00 lakh 12.00 %
2 Mortgage Loan/ Overdraft Against Property/ Builder Loan
Mortgage Loan\(SSI/SB/RT)\Shop Purchase\Furniture\Interior\Solar Power Unit Generator\Builder Loan 11.00 %
Overdraft against Property 12.00 %
Advance Against NSC/td> 12.00 %
Working Capital Term Loan 12.00 %
3 Advance Against Gold
Bullet Repayment (1 year period, Loan limit upto Rs.2.00 Lakh) 8.00%
Period  3 years, Loan limit above Rs.2.00 Lakh 8.00%
CC against Gold Security 8.00%
4 Cash credit 12.50%
5 Housing Loan
a) upto Rs.70 Lakh ( Municipal Corporation, Municipality , Town Planning, Sanctioned Plan) 8.50 %
FOR CREDIT SCORE 650 TO 750 8.00%
FOR CREDIT SCORE 751 TO 799 7.75%
FOR CREDIT SCORE 800 OR MORE THAN 800 7.25%
b) Farm house 10.50 %
c) upto Rs.70.00 Lakh (Grampanchayat Sanctioned plan) 9.00 %
FOR CREDIT SCORE 650 TO 750 8.00%
FOR CREDIT SCORE 751 TO 799 7.75%
FOR CREDIT SCORE 800 OR MORE THAN 800 7.50%
6 SSI/ Small Business/ Retail Trade/Shop (Gala) / Office purchase/Furniture/Interior
Term Loan 12.00 %
Cash Credit 12.50%
7 Vehicle Loan
Two Wheeler/ Four Wheeler Vehicle 7.90%
Commercial Vehicle 10.50%
8 Agriculture Loan
Harvesting and Transport 9.25%
Crop Loan (Thibak Chinchan) 11.00%
9 Loan Against Term Deposit
Loan against FDR-1 % more than the interest on FDR
Loan Rs.50.00 Lakh and Above against FDR-0.50% more than the interest on FDR
Third Party advance against FDR 12.00%
10 Solar Power Unit Generation 12.00%
11 Ad-Hoc Limit (2.5% extra interest than CC) 15.00%
12 TOD 18.00%
13 Cheque Purchase 18.00%
14 Golden jubilee Housing Loan Scheme  (*Terms And conditions apply) 8.50%
FOR CREDIT SCORE 650 TO 750 8.00%
FOR CREDIT SCORE 751 TO 799 7.75%
FOR CREDIT SCORE 800 OR MORE THAN 800 7.25%
15 Housing Loan Top Up (Gramin) 10.00%
FOR CREDIT SCORE 650 TO 750 9.00%
FOR CREDIT SCORE 751 TO 799 8.75%
FOR CREDIT SCORE 800 OR MORE THAN 800 8.50%
16 Housing Loan Top Up (Urban) 9.50%
FOR CREDIT SCORE 650 TO 750 9.00%
FOR CREDIT SCORE 751 TO 799 8.75%
FOR CREDIT SCORE 800 OR MORE THAN 800 8.25%
17 Golden jubilee Housing Loan Top Up(*Terms And conditions apply) 9.50%
FOR CREDIT SCORE 650 TO 750 9.00%
FOR CREDIT SCORE 751 TO 799 8.75%
FOR CREDIT SCORE 800 OR MORE THAN 800 8.25%
18 Golden Jubilee Vehicle loan 7.90%
Hypothication Loan 7.90%
Vehicle Loan 2 Wheeler 7.90%
Vehicle Loan 4 Wheeler 7.90%
Vehicle Loan Commercial 10.50%
Vehicle Loan 2/3 Wheeler 10.50%
Machinary Hypo 12.00%
Golden Jubilee Consumer Loan 11.00%
19 OverDraft
Golden Jubilee Overdraft/CC 10.00%
OD against Salary scheme (Limit upto 5 lakh) 10.00%

Note :

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