| Loan Type | Interest Rate | Margin % |
|---|---|---|
| 1) Loan Against Fixed Deposit | Extra Deposit Rate | |
| A) Against Self Deposit | 15 | |
| 1) upto 9,99,999/- | 2% | |
| 2) 10,00,000/- to 3,00,00,000/- | 1% | |
| 3) above 3,00,00,000/- | 1% | |
| B) Against Third Party Deposit | 3% | |
| 2) GOLD LOAN (CC & TL) | 10 | 25 |
| 3) Loan Against NSC, KVP, LIC | ||
| A) Loan Against LIC Policy (CC & TL) | 11% | 20 |
| B) Loan Against NSC/KVP (CC & TL) | 11% | 10 To 50 |
| 4) Real Estate | ||
| A) Other (Agriculture, Agri Equipments, Etc) | 25 | |
| 1. Agri Land Purchase and Development | 12.00% | |
| 2. Other Loan Repayment | 13.00% | |
| B) Builders and Developers (Real Estate Finance) Residential / Commercial Construction, Land Development | 25 | |
| --> 1st Project | 14% | |
| --> 2nd to 4th Project | 13.25% | |
| --> 5th & Above Project | 12.50% | |
| C) House Repair | 12.00% | 25 |
| E) House Demolish And Redevelopement | 10.50% | 25 |
| 5) Miltch Cattle | 35 | |
| 1) Amrutdhara and Mahila Bachat Gat | 12.00% | |
| 6) Shikshan Sanwardhini Loan (Education Loan) | 10.00% | 10 |
| 7) Hyp. Vehicle Loan | ||
| A) Old 4 Wheeler (Personal Use) | 12.50% | 50 |
| B) Old 4 Wheeler ( Commercial Use) | 13.00% | |
| 8) Hyp. Other Loan | ||
| A) Purchase of new furniture, interior | 13.00% | 25 |
| 9) Hundi Purchase and Hundi | 12.00% | 25 |
| 10) SugarCane Crop Secured Loan | 11.00% | 25 |
| 11) Sulabh Loan Scheme (Clean Loan) | 14.00% | 25 |
| 12) ShubhVivah Loan Scheme | 12.00% | 30 |
| 13) Utkarsh Karj Yojana | 30 | |
| A) Residential N.A./ Guntevari plot | 12% | |
| 14) Housing Loan Top-Up Scheme | 11.00% | 75 |
| 15) Travel Loan | 11.00% | 30 |
| 16) Pledge Term Loan and CC | 30 | |
| A] Above 50 Lakh | ||
| 1) If Sharelinking 2.50% of Sanctioned Loan | 10.00% | |
| 2) If Sharelinking Below 2.50% of Sanctioned Loan | 10.50% | |
| B] Upto 50 Lakh | 12.00% | |
| 17) BACHAT GAT - PIGMI LINKED LOAN | 13% | |
| 18) TOD (Ad-Hoc Limit) Maximum Tenure 90 Days And Maximum 10% Of Loan Amount | 3% Above Of Sanctioned Interest Rate | |
| 19) Bill Discounting | 12% | 10% |
| Loan Type | INTEREST RATE | MARGIN % |
|---|---|---|
| 1) 1)MSME Loan | ||
| 1. Industrial TL/ Cash Credit | ||
| 2. Term Loan/ CC | ||
| 3. Hyp. Book Debts CC Loan | ||
| 4. Secured Cash Credit (Other) Loan | ||
| 5. Shop/Office Purchase/Renowation/Repair Loan | ||
| 6. WCTL | ||
| A) Manufacturing & Service Sector (Except Trading Activity) | ||
| I) Micro Enterprises | 9.45% | 25 |
| II) Small & Medium Enterprises | 9.95% | |
| B) Service Sector - Trading Activity* | ||
| I) Micro Enterprises | 10.25% | 25 |
| II) Small & Medium Enterprises | 10.75% | |
| 2) Other Than MSME | 11.75% | 25 |
|
* MSME - Trading Activity (If Below 3 Conditions Does Not
Satisfy) 1) CIBIL Score/Rank - Above 700 Or CMR Below 3 2) DE Ratio - Below 1:1 3) Security - 100% NA Property |
11.65% | 25 |
| 2) Real Estate Loan | ||
| A) Housing Loan | ||
| 1. CIBIL Score = 751 - 900 | 8.75% | 25 |
| 2. CIBIL Score = 701 - 750 | 9.25% | |
| 3. CIBIL SCore = 651 to 700 | 9.75% | |
| 4. CIBIL SCore = 600 to 650 | 10.25% | |
| 5. CIBIL SCore = -1 | 9.25% | |
| 3) DHANWANTARI Karj Yojana | ||
| 1. CIBIL Score = 751 - 900 | 9.75% | 25 |
| 2. CIBIL Score = 701 - 750 | 10.00% | |
| 3. CIBIL SCore = 651 to 700 | 10.25% | |
| 4. CIBIL SCore = 600 to 650 | 10.50% | |
| 5. CIBIL SCore = -1 | 10.00% | |
| 4) Hyphotecation Vehicle Loan | ||
| A) NEW TWO WHEELER (Max Tenure 5 Years And For Electric Vechile Max Tenure 3 Years) | 10.75% | 10 |
| B) NEW 4 Wheeler Purchase (Personal Use) | ||
| I) Loan Tenure Upto 5 Years | ||
| 1. CIBIL Score = 751 - 900 | 8.70% | 10 |
| 2. CIBIL Score = 701 - 750 | 9.25% | |
| 3. CIBIL SCore = 651 to 700 | 9.75% | |
| 4. CIBIL SCore = 600 to 650 | 10.00% | |
| 5. CIBIL SCore = -1 | 9.25% | |
| II) Loan Tenure Above 5 and Upto 7 Years | ||
| 1. CIBIL Score = 751 - 900 | 10.70% | 10 |
| 2. CIBIL Score = 701 - 750 | 11.25% | |
| 3. CIBIL SCore = 651 to 700 | 11.75% | |
| 4. CIBIL SCore = 600 to 650 | 12.00% | |
| 5. CIBIL SCore = -1 | 11.25% | |
| C) NEW COMMERCIAL VEHICLE LOAN (Truck, Rickshaw, Tractor, Etc) CONSUMER CIBIL BASED (INDIVIDUAL BORROWER) COMMERCIAL CIBIL BASED (NON-IND BORROWER) | ||
| LOAN TENURE 5 YEARS AND UPTO 15 LAKH | ||
| 1. CIBIL Score = 751 - 900CMR 1 & 2 | 10.40% | 25 |
| 2. CIBIL Score = 701 - 750CMR 3 | 10.65% | |
| 3. CIBIL SCore = 651 to 700CMR 4 | 10.90% | |
| 4. CIBIL SCore = 600 to 650CMR 5 to 7 | 11.15% | |
| 5. CIBIL SCore = -1NULL | 10.65% | |
| LOAN TENURE 5 YEARS TO 7 YEARS AND ABOVE 15LAKH | ||
| 1. CIBIL Score = 751 - 900CMR 1 & 2 | 12.40% | 25 |
| 2. CIBIL Score = 701 - 750CMR 3 | 12.65% | |
| 3. CIBIL SCore = 651 to 700CMR 4 | 12.90% | |
| 4. CIBIL SCore = 600 to 650CMR 5 TO 7 | 13.15% | |
| 5. CIBIL SCore = -1NULL | 12.65% | |
| 5) Suvidha Loan Scheme(LAP, CCAP, WCTLAP) | - | |
| 1. CIBIL Score = 701 - 900 | 11.75% | |
| 1. CIBIL Score = 600 - 700 | 12.75% | |
| 1. CIBIL Score = -1 | 12.75% | |
| 6) Rent Discounting Loan Scheme | ||
| 1. Rent From Govt/Semi Govt./Pvt/Public Ltd Co./Bank | 10.85% | 33.33 |
| 2. Rent From Individual /Firm/ Partnership Firm/ Propritery/ Etc | 11.85% | |
| 7) Professional Loan (CA, Lawyer, Architect, Company Secretary, ICWA, Etc) | ||
| 1) Office Space/Furniture/Machinery | 25 | |
| CIBIL Score = 751 - 900 | 9.75% | |
| CIBIL Score = 701 - 750 | 10.00% | |
| CIBIL Score = 651 - 700 | 10.25% | |
| CIBIL Score = 600 - 650 | 10.50% | |
| CIBIL Score = -1 | 10.00% |
