Advance Rate
| Nature of Advances | Rates Of Interest | |
| 1) | Education Loan | |
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9.00% | |
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11.00 % | |
| Maximum Ceiling | ||
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| 2) | Loan against N.S.C / K.V.P /L.IC Policies | 10.00% |
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| 3) | Gold Loan – Maximum Ceiling | 10.00% |
(Up to 75% of Market Value) |
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| Maximum Limit | ||
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| 4) | Vehicle Loan (Four Wheelers) Maximum Period 48 Month of which | |
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10.00% | |
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11.00% | |
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| 5) | Vehicle Loan (Two Wheelers) | 13.00% |
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| 6) | Commercial Vehicle | 13.00% |
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| 7) | Housing Loan : Maximum Ceiling Rs.70 Lakhs | |
| Maximum Period 20 Years | ||
|
9.50 % | |
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| 8) | Other Loans : | |
| Fixed Assets Loan ,C/C Hypothecation | ||
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A) C/C Hypothecation
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11.00 % | |
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B) Fixed Assets Loan (F/L)
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11.00 % | |
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| 9) | Real Estate Finance | |
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A) C/C Hypothecation
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13.00 % | |
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B) Fixed Assets Loan (F/L)
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13.00 % | |
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15.00 % | |
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| 10) |
A) Loan / Overdraft Against Banks own FDR
|
1.00 % ( over TDR Rate ) |
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B) Overdraft with minimum 25% utilization of sanction limit
|
0.50 % ( over TDR Rate ) | |
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| 11) | Clean Demand Loan ( C/C ) to Ordinary ( Regular ) members of the Bank. | |
| Maximum Limit Rs.50,000/- of which | ||
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11.00 % | |
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12.00 % | |
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| 12) | Special Scheme For Doctors | 11.00% |
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| 13) | Sarvodaya Swarojgar Dhiran Yojana (JLG) | 10.00% |
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| 14) | Personal Loan | 18.00% |
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| 15) | Industrial Finance | 10.50% |
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| 16) | Sarvodaya Micro Finance | 10.76% |
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