Rate of Interest

Fixed Deposit (Effective from 01-Dec-2016)

Period General Senior Citizen
07 Days TO 30 Days 4.50% 4.75%
31 Days TO 60 Days 5.00% 5.25%
61 Days TO 90 Days 5.50% 5.75%
91 Days TO 180 Days 7.00% 7.25%
181 Days to less than 1 Year 7.50% 7.75%
1 Year TO 3 Years 8.00% 8.25%
Above 3 Year 8.25% 8.50%
Fixed Deposit 80 C & Smruddhi Deposit 80 C 9.00% 9.00%
Unfixed Deposit 5.00% 5.00%

Saving (Effective from 01-Jun-2013)

Saving Schemes Interest Rate
Saving Interest Rate 3.00%
Saving Deposit Minimum Balance Rs. 1000/-
Premium Saving Scheme 5%

Mahila Deposit(08-03-2017 to 22-03-2017)

Fixed Deposit(Period 15 months) 8.50%
Smruddhi Deposit(Period 15 months) 8.50%
Reccuring Deposit 8.50%

For Loan Schemes (Effective from 01-mar-2017)

Interest Rate
Vehicle Loan (Personal Use) Two wheeler 10.50%
Vehicle Loan (Personal Use) Four wheeler For upto 3 Years 9.50%
Vehicle Loan (Personal Use) Four wheeler For Above 3 Years 10.00%
Vehicle Loan (Personal Use) old Vehicle purchase 13.00%
Vehicle Loan (Commercial Use) 11.50%
Housing Loan (Personal use) 8.90%
Housing Loan(commercial use) 12.00%
Gold Loan (for Female) 12.50%
Gold Loan (for male) 12.50%
Machinery Loan 12.00%
Industrial Term Loan (Machinery/WCTL/Real) 12.00%
Current Over Draft 15.00%
Sugar Crop Loan 12.00%
Secured Loan(NSC/KVP/LIC Policy etc.) 13.00%
Miltch Cattle Loan 12.00%
Consumer Durables Loan 15.50%
Personal Loan 15.00%
Pledge Loan 11.50%
Pledge Loan (Share Linking 2.50%) 11.00%
Cash Credit Loan 12.00% to 14.00%
Commercial Real Estate (Builder,Developer,Residential/commercial Const.,Land Developer) 15.00%
Dhanwantari Scheme (Doctors) 12%
Shikshan Sanvardhini Scheme (Education) 11%
Loan against Fixed Deposits Loan < 10 lakhs - FD Interest rate + Additional rate 2%

Loan >=10 lakhs - FD Interest rate + Additional rate 0.50%
Micro Finance (Bachat Gat / JLG) For Self-help groups - Upto 15%

For JLGs - 18%