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INTEREST RATE ON LOANS AND ADVANCES WEF 1-4-2009
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| 1- AGRICULTURE LOANS AND ADVANCES | ||
| 2 -OTHER LOANS AND ADVANCES ABOVE RS. 2 LACS | ||
| 3 - OTHER SPECIFIED CATEGORIES | ||
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Sl. No. |
Category of Loans/Advances |
Rate of Interest w.e.f. 1.04.2009 |
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1. |
Kisan Credit Card: Up to Rs.3.00 lac |
9.00% |
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Above Rs.3.00 lac & Up to Rs.10.00 lac |
13.50% |
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Above Rs.10.00 Lac |
14.00% |
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2. |
Kisan Tatkal Yojna |
12.50% |
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3. |
KCC to Joint Liability Groups of Tenant Farmers |
10.00% |
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4. |
Tractor/Power Triller & Combine Harvester Loan (Irrespective of Limit) |
12.50% |
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5. |
Vehicle Loans to Agriculturists Up to Rs.5.00 lac |
12.75% |
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Above Rs.5.00 lac |
13.25% |
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6. |
Self Help Groups (Short Term & Term Loans) Irrespective of quantum of loan (i) SGSY (ii) SHG (Direct) |
11.00% 11.50% |
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7. |
Swarojgar / General Credit Cards |
12.00% |
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8. |
All Other Priority Sector Advances Up to Rs.2.00 lac |
13.00% |
2 -OTHER LOANS AND ADVANCES ABOVE RS. 2 LACS Go to Top
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Sl No. |
Category of Loans/Advances |
Rate of Interest w.e.f. 1.4.2009 |
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1.
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AGRICULTURAL LOANS: (A) Ag. Term Loans including Agri Clinic/ Agri Business/ Allied Activities/ Pledge Loan to Producers against agriculture Commodities |
14.00% |
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(B) Cold Storage/Construction of Rural Godown |
12.25% |
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2. |
S.S.I: (i) S.S.I. – Priority (a) W.C. Limits(b) Term Loan |
14.50% 15.00% |
(ii) Non Industrial (Non Priority)Construction/Whole Sale Trade/Business Enterprises & all other Non Priority Sector Advances (a) W.C. Limit (b) Term Loan |
14.50% |
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3. |
(a) S.R.T.O. (Upto 10 vehicles) Short Term & W.C. Limit – Priority |
14.00% |
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(b) S.R.T.O. (Above 10 vehicles) – Non Priority |
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4. |
Traders/Business Enterprises/Professionals & Self Employed & Small Business including S.O.D.( All Term Loans & W.C. Limits) |
14.50% |
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5.
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House Loan to Customers(i) Loan upto Rs.15.00 lac repayable within 5 years |
11.00% |
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(ii) Upto Rs.15.00 lac repayable more than 5 years |
11.50% |
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6. |
Educational Loan (i) Upto Rs.4.00 lac (ii) Above Rs.4.00 lac |
12.00% 13.00% |
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7. |
Home Improvement Loan |
13.00% |
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8. |
Shreyas Mobile (Mobile Phone) |
13.00% |
SN NO. |
Category of Loans/Advances |
Rate of Interest w.e.f. 10.07.2008 |
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1. |
Loan to qualified Medical Practitioners (Shreyas Jeevan Rekha) |
13.00% |
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2. |
Teachers’ Loan |
12.25% |
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3. |
Loans to Salaried Class (Shreyas Budget) |
14.00% |
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4. |
Personal Vehicle Loans (LHV) for 2 wheelers & 4 wheelers (Shreyas Vahan) |
14.50% |
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5. |
Loans against approved securities i.e. NSC, KVP & LIP etc. |
13.50% |
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6. |
Loans against Rent/Loans against Mortgage of Property |
14.50% |
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7. |
Loans under Asset Gain Scheme (a) For Salaried Class 1) LHV/DUAL fully secured by Term Deposits/Approved Securities 2) LHV/DUAL 50% secured by Term Deposits/Approved Securities 3) LHV/DUAL secured by Mandate from the Employer
(b) For Businessmen / Professionals 1) LHV/DUAL fully secured by Term Deposits/Approved Securities 2) LHV/DUAL 75% secured by Term Deposits/Approved Securities |
12.50%
13.00%
13.50%
12.50% 13.00% |
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8. |
Premises Loan |
14.50% |
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9. |
All Clean Loans including CDB & TOD in SB/CA A/Cs |
16.50% |
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10. |
DRI Loans |
4.00% |
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11. |
Loans/Advances against our Term Deposits |
2% over & above the R.O.I. Offered on Deposits |