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Loan Interest Rates

Interest Rates
( w.e.f. 1st September 2011 )
Sr. No Type of Advance Rate of interest %
1 Term Loan/Demand Loan/Cash Credit/ Working Capital
  Priority Sector
  SSI and Transport Operator 14.00
  Other Priority sectors
  Up to Rs. 10 lakh 14.00
  Above Rs. 10 lakh 14.00
  Medical Practitioners & other Professionals
(maximum advance up to Rs.15 lakh)		 13.00 to 14.00
  Purchase of gala by Traders 14.00
  Loan to Medical Shops for renovation & air conditioner 13.00 to 14.00
  B. Others  
  Up to Rs. 10 lakh 14.00
  Above Rs. 10 lakh 14.00
  Working Capital to Traders up to Rs. 50 lakh 13.00 to 14.00
2 Personal Loan 15 to 16
3 Vehicle Loans
  Two Wheeler Loans 14.00
  Car Loans for personal use 11.00
  Loans for Trucks , Trailers to fleet owners 13.00
4 Education Loan
  Up to Rs. 2 lakh 12.00
  Above Rs. 2 lakh and up to Rs 20 lakh 10 (during study period) thereafter 12 floating
5 Tourist Loan
  Up to Rs. 2 lakh 14.00
  Above Rs.2 lakh and up to Rs. 5 lakh 14.00
6 (1) Single deposit of RS.15 lacs & above or sanctioned limit Rs15 lacs and above
(2) Loans/ Overdraft against pledge of Bank's Term Deposits		 (1) 1% more than deposit rate
(2) 2 % more than deposit rate
7 Advance against pledge of NSC/ KVP (up to Rs.50000) 14 (above Rs.50000) 11
8 Advance against pledge of Gold (up to Rs.50000) 13 (above Rs.50000) 11
9 Rent Discounting 12.00 to 15.00
10 Advance for Agricultural activity 14.00
11 Advance to Educational Institutions 13.00 to 15.00
12 Mortgage (Property) Loan 13.00 to 15.00
13 Temporary Overdraft 19.00
14 Housing Loans
  Loan amount upto Rs.25.00 lakh (Floating) 10.50
  Loan Amount above Rs.25.00 lakh (Floating) 11.50
15 Business Loan Scheme for only SMEs 12.00 - 12.50

Note: All above mentioned interest rates are per annum and in percentages (%) .


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