Interest Rate Dated: 01.01.2026
| INTEREST RATE DATED: 01.01.2026 | |||
|---|---|---|---|
| Rate of Interest on Loan & Advances w.e.f. 01.01.2026 | |||
| S.No | Loan & Advance Type | Criteria / Conditions | Interest Rate |
| t | Base Rate | 7.80% | |
| 1 | Loans in which primary collateral is land and building | ||
| a | Housing Loan - Residential (Floating Intt. Rate) (Up to Rs.140.00 lakhs) Loan disbursed on or after 20.04.2023 | Cibil Score -1 & 700 or Above | 8.55% (BR + 0.75) |
| Cibil Score Below 700 | 9.10% (BR + 1.30) | ||
| b | Housing Loan - Residential (disbursed before 20.04.2023 - Floating) | 8.55% (BR + 0.75) | |
| c | Real Estate Loans (Floating) | 4% more than the maximum interest rates applicable on Fixed Deposit of Senior Citizens | |
| 2 | Mortgage Loan/ LAP Loan (Floating) | 12.40% (BR + 4.60) | |
| 3 | Mortgage OD/ LAP OD (Floating) | 11.90% (BR + 4.10) | |
| 4 | For Liquor Trade (CC & TLN) | 14.15% (BR + 6.35) | |
| 5 | Two wheeler vehicle loan | 10.65% (BR + 2.85) | |
| 6 | Transport vehicle loan (for commercial vehicles) | 10.40% (BR + 2.60) | |
| For Old commercial vehicle loans | 11.65% (BR + 3.85) | ||
| 7 | Car Loan (for personal use - floating) | 9.95% (BR + 2.15) | |
| 8 | Car loan Disburse before Dt 15.05.2017 | ||
| a | Cibil Score -1 & 770 or above (w.e.f. 15.05.2017) | 8.95% (BR + 1.15) | |
| b | Cibil Score Below 770 w.e.f. 15-05-2017) | 9.15% (BR + 1.35) | |
| c | Interest rate for Old Personal Vehicle Loans | 10.90% (BR + 3.10) | |
| 9 | For Stone Crushers (TLN - Floating) | 10.60% (BR + 2.80) | |
| 10 | For Stone Crushers (CC - Floating) | 9.80% (BR + 2.00) | |
| 11 | WCTL / Term Loan for Small industries, Professional & Self Employed / Wholesale and Retailers (Floating) | ||
| a | Term Loan (Floating rate) | Less than Rs. 50 lakhs | 11.00% (BR + 3.20) |
| b | Term Loan (Floating rate) | Rs. 50 lakhs to less than Rs. 200 lakhs | 10.60% (BR + 2.80) |
| c | Term Loan (Floating rate) | Rs. 200.00 lakhs and above | 10.00% (BR + 2.20) |
| 12 | CC Limit (Cash Credit) | ||
| a | CC Book Debts (Contractors / Aarhti / Transporter) (Floating) | 10.80% (BR + 3.00) | |
| b | CC LIMIT (Floating Rate) | Less than Rs. 50.00 lakh | 10.35% (BR + 2.55) |
| c | CC LIMIT (Floating Rate) | Rs. 50.00 lakhs to less than Rs. 200.00 lakhs | 10.20% (BR + 2.40) |
| d | CC LIMIT (Floating Rate) | Rs. 200.00 lakhs and above | 9.60% (BR + 1.80) |
| 13 | For Doctors/Hospitals & Nursing Home (TLN/CC) floating | Up to Rs. 100.00 lakhs | 9.90% (BR + 2.10) |
| 14 | For Doctors/Hospitals & Nursing Home (TLN/CC) floating | Above Rs. 100 lakhs | 9.40% (BR + 1.60) |
| 15 | OD Business for Doctors (Floating) | 9.40% (BR + 1.60) | |
| 16 | For Educational societies/ institutions (Floating) | Less than Rs. 100.00 lakhs | 10.40% (BR + 2.60) |
| 17 | For Educational societies/ institutions (Floating) | Rs. 100.00 lakhs and above | 9.90% (BR + 2.10) |
| 18 | OD Business for Educational institutions (Floating) | 10.55% (BR + 2.75) | |
| 19 | Loan for Agriculture/Tractor (Floating) | 9.85% (BR + 2.05) | |
| 20 | Kisan gold card - Term loans & Working Capital Limits | 9.85% (BR + 2.05) | |
| 21 | Term Loan for Flour mills / rice mills / Oil mills / Seed Plant (Floating) | 8.65% (BR + 0.85) | |
| 22 | CC Limit for Flour mills / rice mills / oil mills / Seed Plant (Floating) | 8.10% (BR + 0.30) | |
| 23 | Education Loan | 10.90% (BR + 3.10) | |
| 24 | TOD / OD / Cheque Discounting etc. | 2% above from the limit sanctioned Rate & In allied agricultural advances ROI will be 1% above from the limit sanctioned Rate | |
| 25 | OD Business | 11.80% (BR + 4.00) | |
| 26 | Loan for consumption / Personal loan (Floating) | 13.55% (BR + 5.75) | |
| 27 | Gold Loan (Fixed Rate) | 10.80% (BR + 3.00) | |
| 28 | Demand Loan Business | In allied agricultural loans ROI will be 1% above from the allied agriculture term loan product | 11.55% (BR + 3.75) |
| 29 | Festival Loan/ Bank Mitra Scheme (Fixed Rate) | 11.00% (BR + 3.20) | |
| 30 | OD/ Loan on demand against FDRs, if these are on the name of borrower himself or third party (Floating) | 1.00% more than IR payable on security | |
| 31 | Loan / OD against NSC, IVP, KVP / Government bonds, LIC SV including those of third party (Floating) | Above Rs. 10.00 lakhs | 9.50% (BR + 1.70) |
| Up to Rs. 10.00 lakhs | 11.00% (BR + 3.20) | ||
| 32 | Interest rate on loans other than for above activities (Floating) | 12.90% (BR + 5.10) | |
| 33 | C.C. Renewal Charges | ||
| a | Up to Rs. 1 lakh | Rs. 1000/- | |
| b | Above Rs. 1 lakh upto Rs. 3 lakhs | Rs. 1500/- | |
| c | Above Rs. 3 lakhs upto Rs. 5 lakhs | Rs. 2000/- | |
| d | Above Rs. 5 lakhs upto Rs. 10 lakhs | Rs. 3000/- | |
| e | Above Rs. 10 lakhs | Rs. 3,500/- or 0.10% whichever is higher. (Maximum Rs.10,000/-) | |
| 34 | Processing Fees | ||
| Maximum Rs. 3.00 Lakhs (Not applicable for Loans/Advances for Liquor Trade) | |||
| a | For housing loan | Minimum Rs.1,000/- or 0.50% of sanctioned amount, whichever is higher | |
| b | For house renovation / repair | Minimum Rs.1,000/- or 0.50% of sanctioned amount, whichever is higher | |
| c | For Car Loan | Minimum Rs.500/- or 0.50% of sanctioned amount, whichever is higher | |
| d | for Two wheeler vehicle loan | Minimum Rs.500/- or 1% of sanctioned amount, whichever is higher | |
| e | For Commercial Vehicle | Minimum Rs.500/- or 0.50% of sanctioned amount, whichever is higher | |
| f | For Personal Loan | Minimum Rs.500/- or 1% of sanctioned amount, whichever is higher | |
| g | For Consumption Loan | Minimum Rs.500/- or 1% of sanctioned amount, whichever is higher | |
| h | 1- Education within India | Minimum Rs.500/- or 0.50% of sanctioned amount, whichever is higher | |
| i | 2- Education outside India | Minimum Rs.500/- or 1% of sanctioned amount, whichever is higher | |
| j | For Mortgage Loan | Minimum Rs.500/- or 1% of sanctioned amount, whichever is higher | |
| k | Bank Mitra Yojna | Minimum Rs.500/- or 0.50% of sanctioned amount, whichever is higher | |
| l | Real Estate (Future Rent Receivables) | Minimum Rs.500/- or 1% of sanctioned amount, whichever is higher | |
| m | On Temporary Overdraft | Rs. 1000/- | |
| n | On Bank Guarantee | 2% (for liquor business 3%) | |
| n | If Bank Guarantee is fully secured with tangible (liquid) securities | 0.75% | |
| o | for Others | Minimum Rs.500/- or 0.50% of sanctioned amount, whichever is higher | |
| Note 1: In M.S.M.E. Loan/Advance accounts where Udyam Registration Certificate is obtained, interest relaxation of 1.00% will be provided. | |||
| Note 2: R.O.I. on O.D.Business & Term Loan for Jewellers will be as per R.O.I. applicable on C.C.Limit Hypothecation & Term Loan MSME respectively. | |||
| Note 3: Interest rates on loans other than agriculture will be on yearly basis and will be compounded monthly. | |||
| Loan/Advance Interest rate wef 01.07.2025 (Based on BR) | |||
|---|---|---|---|
| Rate of Interest on Loan & Advances w.e.f. 01.07.2025 | |||
| S.No | Loan & Advance Type | BR | 0.078 |
| Housing Loan - Residential (Floating Interest Rate upto 140.00 Lacs) | CIBIL -1 and 700 or above | 8.55% (BR + 0.75) | |
| CIBIL score below 700 | 9.10% (BR + 1.30) | ||
| Real Estate Loans (Floating) | 4% more than the maximum interest rates applicable on Fixed Deposit of Senior Citizens. | ||
| Mortgage Loan/ LAP Loan (Floating) | 12.40% (BR + 4.60) | ||
| Mortgage OD/ LAP OD (Floating) | 11.90% (BR + 4.10) | ||
| For Liquor Trade (CC & TLN) | 14.15% (BR + 6.35) | ||
| Two wheelers Vehicle loan | 10.65% (BR + 2.85) | ||
| Transport (Vehicle) loan (for commercial Vehicle) | 10.40% (BR + 2.60) | ||
| For Old Commercial Vehicle Loans | 11.65% (BR + 3.85) | ||
| Car Loan (for personal use) floating | 9.95% (BR +2.15) | ||
| Interest Rate on Car Loan disbursed dated 15-05-2017 | |||
| Cibil Score upto -1 & 770 or above | (w.e.f. 15.05.2017) | 8.95% (BR + 1.15) | |
| Cibil Score less than 770 | (w.e.f. 15-05-2017) | 9.15% (BR + 1.35) | |
| Interest Rate for Old Personal Vehicle Loans | 10.90% (BR + 3.10) | ||
| For Stone Crushers (TLN) Floating | 11.10% (BR + 3.30) | ||
| For Stone Crushers (CC) Floating | 10.30% (BR + 2.50) | ||
| WCTL/Term Loan For Small industries, Professional & Self Employed/ Wholesale and Retailers (Floating) | |||
| Less than Rs.50 Lac | 11.00% (BR + 3.20) | ||
| Rs.50 Lac to Less than Rs. 200 Lac | 10.60% (BR + 2.80) | ||
| Rs.200 Lac and Above | 10.35% (BR + 2.55) | ||
| CC Limit (Cash Credit) | |||
| CC Book Debts(Contractors/Aarhti/Transporter) (Floating) | 11.15% (BR + 3.35) | ||
| Less than Rs.50 Lac | 10.35% (BR + 2.55) | ||
| Rs.50 Lac to Less than Rs. 200 Lac | 10.20% (BR + 2.40) | ||
| Rs.200 Lac and Above | 9.95% (BR + 2.15) | ||
| For Doctors/Hospitals & Nursing Home (TLN/CC) floating | Up to Rs. 100 Lac | 9.90% (BR + 2.10) | |
| For Doctors/Hospitals & Nursing Home (TLN/CC) floating | Above Rs. 100 Lac | 9.40% (BR + 1.60) | |
| OD Business for Doctors (Floating) | 9.40% (BR + 1.60) | ||
| For Educational societies/ institutions (Floating) | Less than Rs.100 Lac | 10.40% (BR + 2.60) | |
| For Educational societies/ institutions (Floating) | Rs.100 Lac and Above | 9.90% (BR + 2.10) | |
| OD Business for Educational institutions (Floating) | 10.55% (BR + 2.75) | ||
| Loan for Agriculture/Tractor (Floating) | 9.85% (BR + 2.05) | ||
| Kisan Gold Card- Term Loan & Working Capital Limit | 9.85% (BR + 2.05) | ||
| Term Loan for Flour mills/rice mills/Oil mills/ Seed Plant (Floating) | 8.85% (BR + 1.05) | ||
| CC Limit for Flour mills/rice mills/Oil mills / Seed Plant (Floating) | 8.55% (BR + 0.75) | ||
| Education Loan | 10.90% (BR + 3.10) | ||
| TOD / OD / Cheque Discounting etc. | 2% above from the limit sanctioned Rate & In allied agricultural advances ROI will be 1% above from the limit sanctioned Rate. | ||
| OD Business | 11.80%(BR + 4.00) | ||
| Loan for consumption / Personal loan (Floating) | 13.55% (BR + 5.75) | ||
| Gold Loan (Fixed Rate) | 10.80% (BR + 3.00) | ||
| Demand Loan Business | In allied agricultural loans ROI will be 1% above from the allied agriculture term loan product. | 11.55%(BR + 3.75) | |
| Festival Loan/ Bank Mitra Scheme (Fixed Rate) | 11.00% (BR + 3.20) | ||
| OD/ Loan on demand against FDRs, if these are on the name of borrower himself or third party. (Floating) | 1.00% more than IR payable on security | ||
| Loan/ OD against NSC, IVP, KVP / Government bonds, LIC SV including of third party. (Floating) | Above Rs. 10.00 lac | 9.50% (BR + 1.70) | |
| Up to Rs. 10.00 lac | 11.00% (BR + 3.20) | ||
| Interest rate on loans other than for above activities (Floating) | 12.90% (BR + 5.10) | ||
| C.C. Renewal Charges | |||
| Upto Rs.1 Lac | Rs. 1000/- | ||
| Above Rs.1 Lac upto Rs.3 Lac | Rs.1500/- | ||
| Above Rs.3 Lac upto Rs.5 Lac | Rs. 2000/- | ||
| Above Rs.5 Lac upto Rs.10 Lac | Rs. 3000/- | ||
| Above Rs.10 Lac | Rs.3,500/-Or 0.1% whichever be more. Maximum Rs.10,500/- | ||
| Processing fees | Maximum Rs. 3.00 Lakhs (Not applicable for Loans/Advances for Liquor Trade) | ||
| for housing loan | Minimum Rs.1,000/- or 0.5% of sanctioned amount, whichever is more. | ||
| for house renovation/repairing | Minimum Rs.1,000/- or 0.5% of sanctioned amount, whichever is more. | ||
| for Car Loan | Minimum Rs.500/- or 0.5% of sanctioned amount, whichever is more. | ||
| for Two wheeler Car Loan | Minimum Rs.500/- or 1% of sanctioned amount, whichever is more. | ||
| for Commercial Vehicle | Minimum Rs.500/- or 0.5% of sanctioned amount, whichever is more. | ||
| for Personal Loan | Minimum Rs.500/- or 1% of sanctioned amount, whichever is more. | ||
| for Consumption Loan | Minimum Rs.500/- or 1% of sanctioned amount, whichever is more. | ||
| For Education Loan | |||
| 1- Education within India | Minimum Rs.500/- or 0.5% of sanctioned amount, whichever is more. | ||
| 2- Education outside India | Minimum Rs.500/- or 1% of sanctioned amount, whichever is more. | ||
| for Mortgage Loan | Minimum Rs.500/- or 1% of sanctioned amount, whichever is more. | ||
| Bank Mitra Yojna | Minimum Rs.500/- or 0.5% of sanctioned amount, whichever is more. | ||
| Real Estate (Future Rent Receivables) | Minimum Rs.500/- or 1% of sanctioned amount, whichever is more. | ||
| On Temporary Overdraft | Rs. 1000/- | ||
| On Bank Guarantee | 2% (for liquor business 3%) | ||
| If Bank Guarantee is fully secured with tangible (liquid) securities | 0.0075 | ||
| for Others | Minimum Rs.500/- or 0.50% of sanctioned amount, whichever is more. | ||
| Note: In M.S.M.E. Loan/Advance accounts where Udyam Certificate is obtained, interest relaxation of 0.75% will be provided from 01/10/2022. | |||
| Note: Interest rates on loans other than agriculture will be on yearly basis and will be compounded monthly. | |||