Rate of Interest

Fixed Deposit Below Rs. 2 Crore (EFFECTIVE FROM 01.01.2023)

Period General Senior Citizen
07 Days TO 45 Days 3.50% 4.00%
46 Days TO 179 Days 5.00% 5.50%
180 Days TO 210 Days 5.75% 6.25%
211 Days to less than 1 Year 6.25% 6.75%
1 Year To less than 2 Years 7.25% 7.75%
2 Years To less than 749 Days 7.50% 8.00%
750 Days 7.50% 8.00%
751 Days to Less Than 3 Years 7.50% 8.00%
3 Yeays To Less Than 5 Years 6.75% 7.25%
60 Months to Less Than 75 Months 6.75% 7.75%
75 Months 6.75% 7.75%
Above 75 Months UPTO 10 Years 6.75% 7.75%
Fixed Deposit 80 C & Samruddhi Deposit 80 C 6.75% 7.25%
Sukanaya Samrudhi Deposit 6.00% -

Fixed Deposit Rs. 2 Crore and above(EFFECTIVE FROM 01.01.2023)

Period General Senior Citizen
07 Days TO 45 Days 3.90% 4.65%
46 Days 179 Days 4.65% 5.40%
180 Days To 210 Days 5.15% 5.90%
211 Days to less than 1 Year 5.65% 6.40%
1 Year To less than 2 Years 6.40% 7.15%
2 Years To less than 3 Years 5.65% 6.40%
3 Years to less than 5 Years 5.65% 6.40%
5 Years to 10 Years 5.40% 6.15%

Amrut Mohotsavi Lakshadheesh Thev Yojana - Tenure 60 Months/5 Years (EFFECTIVE FROM 01-01-2023 )

Interest Rate Customer Amount Return Amount
6.75% General Customer 71,600/- 1,00,061/-
7.75% Senior Citizen 68,200/- 1,00,107/-

Saving (Effective from 01-01-2021)

Saving Schemes Interest Rate
Saving Interest Rate 3.00%
Saving Deposit Minimum Balance Rs. 1000/-

For Loan Schemes W.E.F 01.Apr.2023

FIXED INTEREST RATE SCHEMES

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) 25
Residential / Commercial Construction, Land Development
--> 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
13 Sulabh Loan Scheme (Clean Loan) 14.00% 25
14 ShubhVivah Loan Scheme 12.00% 30
15 Utkarsh Karj Yojana 35
A) Residential N.A./ Guntevari plot 12%
16 Housing Loan Top-Up Scheme 11.00% 75
17 Travel Loan 11.00% 30
18 Pledge Term Loan and CC 30
1) If Sharelinking 2.50% of Sanctioned Loan 10.00%
2) If Sharelinking Below 2.50% of Sanctioned Loan 10.50%
3) Upto 50 Lakh 12.00%
2) Above 50 Lakh 12.00%
19 BACHAT GAT - PIGMI LINKED LOAN 13%
20 TOD (Ad-Hoc Limit) 3% Above Of Sanctioned Interest Rate.

FLOATING INTEREST RATE SCHEMES

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 9.70% 25
II) Small & Medium Enterprises 10.20%
B) Service Sector - Trading Activity*
I) Micro Enterprises 10.50% 25
II) Small & Medium Enterprises 11.00%
2) Other Than MSME 12.00% 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		 11.90% 25
2 Real Estate Loan
A) Housing Loan
1. CIBIL Score = 751 - 900 8.99% 25
2. CIBIL Score = 701 - 750 9.50%
3. CIBIL SCore = 651 to 700 10%
4) CIBIL SCore = 600 to 650 10.50%
5) CIBIL SCore = -1 10.00%
3 DHANWANTARI Karj Yojana
1. CIBIL Score = 751 - 900 10.00% 25
2. CIBIL Score = 701 - 750 10.25%
3. CIBIL SCore = 651 to 700 10.50%
4) CIBIL SCore = 600 to 650 10.75%
5) CIBIL SCore = -1 10.50%
4 Hyphotecation Vehicle Loan
A) NEW TWO WHEELER (Max Tenure 5 Years And For Electric Vechile Max Tenure 3 Years) 11.00% 10
B) NEW 4 Wheeler Purchase (Personal Use)
I) Loan Tenure Upto 5 Years
1. CIBIL Score = 751 - 900 8.95% 10
2. CIBIL Score = 701 - 750 9.50%
3. CIBIL SCore = 651 to 700 10.00%
4) CIBIL SCore = 600 to 650 10.25%
5) CIBIL SCore = -1 10.00%
II) Loan Tenure Above 5 and Upto 7 Years
1. CIBIL Score = 751 - 900 10.15% 10
2. CIBIL Score = 701 - 750 11.50%
3. CIBIL SCore = 651 to 700 12.00%
4) CIBIL SCore = 600 to 650 12.25%
5) CIBIL SCore = -1 12.00%
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 - 900
CMR 1 & 2
 10.65% 25
2. CIBIL Score = 701 - 750
CMR 3
 10.90%
3. CIBIL SCore = 651 to 700
CMR 4
 11.15%
4) CIBIL SCore = 600 to 650
CMR 5 to 7
 11.40%
5) CIBIL SCore = -1
NULL
10.90%
LOAN TENURE 5 YEARS TO 7 YEARS AND ABOVE 15LAKH
1. CIBIL Score = 751 - 900
CMR 1 & 2
10.90% 10
2. CIBIL Score = 701 - 750
CMR 3
11.15%
3. CIBIL SCore = 651 to 700
CMR 4
11.40%
4) CIBIL SCore = 600 to 650
CMR 5 TO 7
11.65%
5) CIBIL SCore = -1
NULL
11.15%
5 Suvidha Loan Scheme(LAP, CCAP, WCTLAP) -
1. CIBIL Score = 701 - 900 12.00%
1. CIBIL Score = 600 - 700 13.00%
1. CIBIL Score = -1 13.00%
6 Rent Discounting Loan Scheme
1. Rent From Govt/Semi Govt./Pvt/Public Ltd Co./Bank 11.10% 33.33
2. Rent From Individual /Firm/ Partnership Firm/ Propritery/ Etc 12.10%
7 Professional Loan (CA, Lawyer, Architect, Company Secretary, ICWA, Etc)
1) Office Space/Furniture/Machinery 25
CIBIL Score = 751 - 900 10.00%
CIBIL Score = 701 - 750 10.25%
CIBIL Score = 651 - 700 10.50%
CIBIL Score = 600 - 650 10.75%
CIBIL Score = -1 10.50%

*Conditions Apply