Advance Rate

Nature of Advances		Rates Of Interest
1)	Education Loan

	During the course of education	9.00%
	After completion of course	11.00 %
	Maximum Ceiling
	In India – Rs.10 Lakhs Abroad – Rs.20 Lakhs

2)	Loan against N.S.C / K.V.P /L.IC Policies	10.00%

3)	Gold Loan – Maximum Ceiling	10.00%
	(Up to 75% of Market Value)
	Maximum Limit
	General Loan Rs.2.00 Lakhs Agri.Gold Loan Rs.10.00 Lakhs


4)	Vehicle Loan (Four Wheelers) Maximum Period 48 Month of which
	Up to 24 Months	10.00%
	Above 24 Months but up to 48 Months	11.00%

5)	Vehicle Loan (Two Wheelers)	13.00%

6)	Commercial Vehicle	13.00%

7)	Housing Loan : Maximum Ceiling Rs.70 Lakhs
	Maximum Period 20 Years of Which
	Up to 5 Years	9.50 %
	Above 5 years but up to 10 Years	10.50 %
	Above 10 Years	12.00 %

8)	Other Loans :
	Fixed Assets Loan ,C/C Hypothecation
	A) C/C Hypothecation	11.00 %
	B) FL Maximum Period 10 Years of which
	Up to 5 Years	11.00 %
	Above 5 Years but up to 10 Years	12.00 %


9)	Real Estate Finance
	A) C/C Hypothecation	13.00 %
	B) FL Maximum Period 5 Years of which
	Up to 3 Years	13.00 %
	Above 3 years but up to 5 Years	15.00 %


10)	A) Loan / Overdraft Against Banks own FDR	1.00 % ( over TDR Rate )
	B) Overdraft with minimum 25% utilization of sanction limit	0.50 % ( over TDR Rate )

11)	Clean Demand Loan ( C/C ) to Ordinary ( Regular ) members of the Bank.
	Maximum Limit Rs.50,000/- of which
	Limit Up to Rs.25,000/-	11.00 %
	Limit above Rs.25,000/-	12.00 %

12)	Special Scheme For Doctors	11.00%

13)	Sarvodaya Swarojgar Dhiran Yojana (JLG)	10.00%

14)	Personal Loan	18.00%