Interest Rate on Loans & Advances
| Base Rate | 09.50% per annum |
| Current Overdraft | Base Rate + 4.50% |
| Advance Against Bank’s Term Deposit | |
| (a) Standing in the Name of the Borrower | 1% above the Deposit Rate |
| (b) Against Bank’s Own term Deposit to Third Party | 8.50 % |
| Loan Against Security of NSC / KVP / Govt. Securities | Base Rate + 2.50% |
| Term Loan / Working Capital (Cash Credit) a) Upto Rs.50 Lacs b) Above Rs.50 Lacs |
Base Rate +2.50% Base Rate +1.50% |
| Personal Loan for all categories | Base Rate + 5.00% |
| Scooter / Motor Cycle Three Wheelers |
Base Rate + 2.50% 9.00% |
| Car Loans | 9.00% |
| Truck & other Heavy Vehicle | Base Rate + 3.50% |
| Micro Small Medium Enterprises (MSME) | Base Rate + 1.50% |
| Loans and Overdraft limits to Professionals | Base Rate + 1.50% |
| Hospitals & Nursing Homes | Base Rate + 2.00% |
| Loan Against C.D.S. | Base Rate +1.50% |
| Housing & Building (Owned) | |
| (a) Upto Rs.70.00 Lacs | 9.00% |
| (c) Purchase of Residential plot | Base Rate + 3.00% |
| Education Institutions | Base Rate + 1.50% |
| Commercial Complex – Purchase of Plot / Construction | Base Rate + 3.25% |
| Agriculture Loan | Base Rate + 0.50% |
| Loan Against Property | |
| (a) Business Purpose | Base Rate + 2.75% |
| (b) General Purpose | Base Rate + 3.00% |
| Higher Education Loan | Base Rate + 1.50% |
| Special Housing Loan for purchase of Plot/house for low income grout | 9.00% |
| Hotel & tourism Industries | Base Rate + 2.50% |
| Development of Housing Project | Base Rate + 3.25% |
| Gold Loan | Base Rate + 0.40% |
