Sr. No. Type of the Loan Interest Rate
1 Salary Loan ( Term Loan/Overdraft)
A For salary Account Holder 11.O0%
B For Others 12%
C Education 9.00%
2 A suriety (Term Loan/Overdraft) 10.00 % to 13.00%
B Education 9.00%
3 Gold Loan/NSE/Shares Loan
A Priority Loan 9.00%
B Others 9.50%
Floating Fixed
4 4.1 Hypothication (Term Loan/Cash Credit)
For Business
(A) Other Business 10.25% 11.00%
(B) Construction Business 14.00%
4.2 Vehicle Loan
(A) Four Wheeler
      1) New Vehicle 7.65% 9.00%
      2) Pre owned Vehicle 8.25% 9.25%
(B) Two wheeler, Three Wheeler Vehicle 8.25% 9.25%
(C) e-cart vehicles 8.25% 9.00%
4.3 Consumption Loan Personal for other reason 12.00% 12.00%
5 5.1 Housing Loan
(A) Residential Priority Non priority
   1) CIBIL Score > 800 7.25% 7.35% 10.00%
   2) CIBIL Score from 700 - 800 7.50% 7.60% 10.25%
   3) CIBIL Score < 700 7.75% 7.85% 10.50%
* lf CIBIL is -1, Interest rate is applicable as per (A)(1)
5.2 Business Loan (Office/ShopPurchase/Construction) 8.75% 10.75%
5.3 Loan Against Property (Personal)
1) Priority Loan 9.00% 11.00%
2) Other Loan 9.25% 11.25%
5.4 Loan Against Property (Education) 8.50% 10.00%
5.5 Loan Against Property/ Overdraft against Property - Business
5.5.1 Term Loan
(A) Business
   1) Priority Loan
     1.1) Tenure Upto 3 Years 9.00% 10.50%
     1.2) Tenure Above 3 Years 9.50% 11.00%
   2) Other Loan
     2.1) Tenure Upto 3 Years 9.25% 10.75%
     2.2) Tenure Above 3 Years 9.75% 11.25%
(B) Construction Business 14.00%
5.5.2 Overdraft
(A) Other Business 9.50%
(B) Construction Business 14.00%
5.6 Future Rent Receivable 11.50% 11.75%
5.7 Public Charitable Trust 9.00% 9.25%
6 Bachat Gat 11.00% 11.25%

0.10%* Concession in Interest Rate will be given to women for Secured Loan & Education Loan
* Terms & Conditions Apply


Loan Against Fixed Deposit

Loan Amount (Rs.) Interest Rate
Fixed Deposit A/C Holder Third Party (A/C Holder)
Upto Rs. 20 Lakh Fixed Deposit Int. Rate + 2.00 % Fixed Deposit Int. Rate + 3.00 %
More than 20 Lakh upto 25 Lakh Fixed Deposit Int. Rate + 1.50 % Fixed Deposit Int. Rate + 2.50 %
More than 25 Lakh Fixed Deposit Int. Rate + 1.00 % Fixed Deposit Int. Rate + 2.00 %