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Interest Rates

Deposit scheme interest rates w.e.f. 01-October-2020
Interest Rate For Term Deposit
Term Deposit General Co-op Societies and Trust Senior Citizen Widow Handicapped/ Blind
15 Days To 45 Days 4.00 % 4.00 % 4.00 % 4.00 % 4.00 %
46 Days To 90 Days 4.25 % 4.25 % 4.25 % 4.25 % 4.25 %
91 Days To 180 Days 4.75 % 4.75 % 4.75 % 4.75 % 4.75 %
181 Days To 12 Months 5.25 % 5.25 % 5.25 % 5.25 % 5.25 %
Above 12 Months Up to 35 Months 5.50 % 5.50 % 6.00 % 6.00 % 6.00 %
Above 35 Months 5.75 % 5.75 % 6.25 % 6.25 % 6.25 %
Saving Account Interest rate 2.75 % 2.75 % 2.75 % 2.75 % 2.75 %

Interest rates on loans

Loans scheme interest rates w.e.f. 17-May-2021
Amount of Debt Details Interest Rate
Term Loan Rs. Up to 25 lakhs 11.50%
Rs. 25.01 to Rs. Up to 100.00 lakhs 12.25%
Rs. 100.00 lakhs & Above 12%
Doctor, Engineer, CA, Architect 10.50%
Daily repayment plan Buying and selling goods for small businesses 12%
Loans to builders 14%
C.R.E. 14%
Educational Institutions, Charities, Hospitals, Restaurants
For unconventional energy generation
Rent Discounting Loans
Mortgage loan of Ware-House receipt
Up to Rs. 25.00 lakhs 11.50%
Rs.25 Lakh to Rs.100.00 lakhs 12.25%
Above Rs.100.00 lakhs 12%
Educational loan 12%
Gold Mortgage Loan Up to Rs. 2.00 lakhs 10%
Above Rs.2.00 lakhs 11%
Personal Loan For Professionals 10.5%
For Businesses (Daily Repayment Plan) 12%
Salary to be deposited in your bank 13.50%
If there is collateral 13.5%
For Skilled Workers 14%
Doctor, Engineer, CA, Architect up to Rs. 5.00 lakhs 10.50%
Salary for non-deposit in your bank / For all other customers 14.5%
Auto Mortgage Loan For Personal Use 10%
For Commercial use 11%
Older vehicles 11%
Home Loan Flats up to Rs. 25.00 lakhs Purchase (priority) 7%
25.00 to Rs. 35.00 lakhs Purchase (priority) 8%
Up to Rs. 10.00 lakhs for urban repairs in urban areas 8%
Up to Rs. 6.00 lakhs for rural repairs in rural areas 8%
Up to Rs. 25.00 lakhs (Non Priority) 9%
Above Rs. 25.00 lakhs (Non priority) 9%
Cash Credit Up to Rs. 25.00 lakhs 11.5%
Rs. 25.01 to Rs. 100.00 lakhs 12.25%
Above Rs.100.00 lakhs 12%
Doctor, Engineer, CA, Architect up to Rs. 5.00 lakhs 10.50%