Rate of Interest
Rate of Interest in Loans and Advances w.e.f. 06-04-2026
| Type | Interest Rate |
| (1) Property Loan | |
|
(A) New Property Purchase or to Build (NAVNIDHI GRUH DHIRAN YOJNA) |
|
| (B) Against Old Property (Up To 70% of Valuation) | |
|
Overdraft |
11.75% 11.50% 11.25% 10.25% 11.00% 11.50% |
| (C) Drop Line Overdraft Up To Rs.1,00,00,000/- Rs.1,00,00,001/- To Rs.5,00,00,000/- Rs.5,00,00,001/- and Above |
11.00% 10.75% 10.50% |
| (2) Machinery Hypothecation Loan (With TUF Scheme) Up To Rs.1,00,00,000/- Rs.1,00,00,001/- and Above |
8.95% 9.25% |
| (3) Old Machinery Hypothecation Loan | 10.00% |
| (4) Machinery Hypothecation Loan (PMEGP) - Up To Rs.50 Lakh | 10.00% |
| (5) Machinery Hypothecation Loan (Labgrown Diamond) Up To Rs.1,00,00,000/- Rs.1,00,00,001/- and Above |
10.25% 10.50% |
| (6) Advances Against Machinery/Stock Etc, Cash Credit/Overdraft Up To Rs.99,99,999/- Rs.1,00,00,000/- To Rs.4,99,99,999/- Rs.5,00,00,000/- To Rs.9,99,99,999/- Rs.10,00,00,000/- and Above |
10.50% 10.00% 9.75% 9.50% |
| (7) Personal Surety Loan (50 Months Installments) | |
| A) Personal Surety Loan (Up To Rs.20,000/-) | 14.00% |
| B) Personal Surety Loan with Undertaking (Up To Rs.75,000/-) | 12.00% |
| (8) Personal Mortgage Loan (60 Months Installments) Up To Rs.50,00,000/- 200% Security (Property) |
11.00% 10.75% |
| (9) Article Loan (50 Months Installments, 75% of Total Price) Up To Rs.50,000/- |
13.75% |
| (10) Vehicle Loan |
|
| Domestic Four Wheeler (60 Months Installments) | 7.90% |
| Domestic Two Wheeler (60 Months Installments) With Guarantor Without Guarantor |
8.50% 10.00% |
| Commercial Vehicle (60 Months Installments) | 10.50% |
| For Electric Vehicles Two Wheeler (60 Months Installments) Three Wheeler (60 Months Installments) Four Wheeler (60 Months Installments) |
7.50% 7.50% 7.50% |
| (11) Education Loan | 8.50% |
| (12) Loan Against Government Security | |
| NSC/KVP/Govt. Bond/LIC(Against Surrender Value) - Loan | 8.50% |
| - OverDraft | 9.25% |
| (13) Gold Loan (65% of Valuation) | 8.75% |
| (14) Solar Panel System Hypothecation Loan (75% of Quotation) For Domestic Use (60 Months Installments) For Commercial Use (60 Months Installments) |
8.50% 9.00% |
| (15) Loan Against Bank Fixed Deposit Up To Rs.25,00,000/- Above Rs.25,00,000/- Overdraft Against Bank Fixed Deposit In case of Third Party Loan |
FD Rate + 0.75% FD Rate + 0.50% FD Rate + 0.75% FD Rate + 1.00% |
| (16) Special Scheme of Loan For Professionals (For Premises, Machinery, Equipments, Furniture etc.) Up To Rs.1,00,00,000/- Rs.1,00,00,001/- and Above |
10.00% 9.75% |
| (17) Project Finance Loan | 12.25% |
| (18) National Travel Loan Maximum Rs.5,00,000/- (36 Months EMI) |
12.00% |
| (19) National Club Membership Loan Maximum Rs.10,00,000/- (60 Months EMI) |
9.00% |
| (20) U.B.D / P.B.D. After Expiry |
16.00% 19.00% |
| (21) Loan Against Share/Debentures | 13.50% |
| (22) Micro Finance Loan (Up To Rs.30,000/-) - 24 Months | 15.00% |
| (23) Personal Quick Loan (Up To Rs.5,00,000/-) - 60 Months Installments | 10.75% |
| (24) Mahila Utkarsh Yojana (Up To Rs.1,00,000/-) - 60 Months Installments | 8.50% |
| (25) Lease Rental Discounting Advance/Loan | 9.00% |
|
(26) Working Capital Term Loan Upto Rs.50,00,000/- Rs.50,00,001 - Rs.9,99,99,999/- |
9.50% 9.75% |
NOTE:
Interest rates are subject to change without prior notice.
- Penalty Interest will be charged @ 2%.
- Interests are charges on monthly basis on reducing balances.
- Monthly Installments are fixed for principal amount and interest to be paid as and when charged.