Interest Rates & Charges

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Rate of interest - loans.

Rate of Interest on Loans and Advances

Rate of Interest (except where mentioned otherwise) is linked with BPLR (after adjustment with BPLR rate). Current BPLR is 14.25%.


Loan Schemes Criteria Revised Rates
Floating Fixed
Education Loan Scheme (LA220, LA221, LA222, LA223,etc) Up to Rs. 04.00 Lakh (0.5% rebate-Girl Student) BPLR - 3.75% BPLR - 1.20%
>4.00 L to 7.50 L (0.5% rebate-Girl Student) BPLR - 3.75% BPLR - 1.20%
> Rs. 7.50 Lakh (0.5 % rebate-Girl Student) BPLR - 3.10% BPLR + 0.30%
Education Loan (Premier Inst) such as IIM-Ahmadabad/ Kolkata/ Bangalore/ XLRI-Jamshedpur etc. (LA220, LA221, LA222, LA223,etc) All Cases BPLR - 5.70 BPLR - 3.70%
Car Loan Scheme (LA235, LA241,etc) CIBIL (Credit Vision) Score Preferred Non-Preferred Preferred Non-Preferred
768 & above BPLR - 5.40% BPLR - 5.15% BPLR - 3.40% BPLR - 3.15%
726 to 767 BPLR - 4.85% BPLR - 4.45% BPLR - 2.85% BPLR - 2.45%
675 to 725 BPLR - 3.65% BPLR - 3.45% BPLR - 1.65% BPLR - 1.45%
Below 675 BPLR - 2.25% BPLR - 2.15% BPLR - 0.25% BPLR - 0.15%
CIBIL (-1) BPLR - 4.85% BPLR - 4.45% BPLR - 2.85% BPLR - 2.45%
Staff BPLR - 5.10% NA BPLR - 3.10% NA
Personal Loan Scheme including Shikshak Samman Yojna (CIBIL Score Based) Existing customers having account relationship with us (LA237) 768 & above BPLR - 2.75% BPLR - 0.85%
726 to 767 BPLR - 1.75% BPLR + 0.15%
700 to 725 BPLR - 0.50% BPLR + 1.40%
Below 700 BPLR + 2% BPLR + 4%
CIBIL (-1) BPLR - 1.75% BPLR + 0.15%
Personal Loan-Other cases i.e. 768 & above BPLR + 0.2% BPLR + 2.20%
for applicant having account relationship with other Bank (LA237) 726 to 767 BPLR + 1.20% BPLR + 3.20%
700 to 725 BPLR + 2.20% BPLR + 4.20%
Below 700 BPLR + 3.20% BPLR + 5.20%
CIBIL (-1) BPLR + 1.20% BPLR + 3.20%
Personal Loan to Staff All Case BPLR - 3.75% BPLR - 1.75%
Pensioners Loan Scheme (LA239) All Cases BPLR - 2.25% BPLR - 0.25%
Two Wheeler Loan Scheme (LA014,LA240, LA234, LA232, LA214,etc) All Case BPLR - 0.60% BPLR + 1.40%
Housing Loan –(Including Home Improvement) (LA217, LA215, LA218, LA219, LA214, LA216,etc) (CIBIL Score Based) CIBIL (Credit Vision) Score
726 & above BPLR - 5.65% BPLR - 3.65%
>700 but < 726 BPLR - 4.75% BPLR - 2.75%
Below 700 BPLR - 3.75% BPLR - 1.75%
CIBIL (-1) BPLR - 4.75% BPLR - 2.75%
Staff (Public Scheme) BPLR - 4.35% BPLR - 2.35%
Loan for Bank Premises (LA304) All cases BPLR - 2.85% BPLR - 0.85%
Property Loan Scheme (LA238, OD005, LA303,etc) Residential Commercial Residential Commercial
BPLR - 3.25% BPLR - 0.25% BPLR - 1.25% BPLR + 1.75%
Top Up Loan facility to existing Home Loan Borrowers All Cases BPLR - 4.35% BPLR - 2.35%

Applicable Rate of Interest

Name of Loan Schemes Criteria Revised Rates (w.e.f. 01.01.2024)
Kisan Credit Card Up to Rs. 3.00 Lakh 9.00% (7% p.a. where account is regular and timely rollover)
>Rs. 3.00 Lakh to 25.00 lakh 11.00%
> Rs. 25.00 Lakh 11.00%
Indirect Agriculture & other priority sector loan schemes e.g. Krishi Samagri Vyavsayi Yojna, ACABC, Slaughter House, , Solar Photovoltaic System ,Krishak Awas Yojana Up to Rs. 3.00 Lakh 9.00%
>Rs. 3.00 Lakh to 25.00 lakh 11.00%
> Rs. 25.00 Lakh 11.50%
Krishak Awas Rin Yojana All Cases 11.00%
Prof. & Self Employed Up to Rs. 3.00 Lakh 10.40%
>Rs. 3.00 Lakh to 25.00 lakh 10.90%
>25.00 lakh 11.40%
Saral Vyapar Yojna (Up to Rs. 25.00 Lakh) Up to Rs. 25.00 Lakh (Fixed Rate)
11.40%
Above 25.00 Lac (Cr. Rating Based) Credit Rating Interest Rate
A+ 11.40%
A 11.65%
B+ 11.90%
B 12.90%
C 13.90%
&
D
Farm Mech Scheme (Tractor, Power Triller & Harvester) and other Direct Agri Invest. Credit Schemes viz Kisan Sulabh Loan, Agri. Land Purchase, OFWM, Agri. Implements, Dairy, DEDS, Fisheries, Piggeries, Sheep/Goat. Poultry, Deep Borewell, FPC, Agri Junction, Debt Swap, Horticulture, Loan for cold storage & Loan Against Ware House or Cold Storage Receipt. Up to Rs. 3.00 Lakh 9.00%
>Rs. 3.00 Lakh to 25.00 lakh 11.00%
> Rs. 25.00 Lakh 11.00%
General Credit Card (GCC), SCC & WCC Up to Rs. 3.00 lakh 11.40%
>Rs. 3.00 Lakh up to Rs. 25.00 lakh 12.40%
Loan Above Rs. 25.00 lakh Credit Rating Based 9.50%
10.40%
11.50%
12.60%
13.70%
15.00%
MSME (Up to Rs. 25.00 Lakh) Micro / Small Enterprises Up to Rs. 3.00 Lakh 11.40%
>Rs. 3.00 Lakh to 25.00 lakh 12.40%
MSME Above Rs. 25.00 Lakh (Credit Rating Based) Credit Rating Interest Rate
A+ 9.50%
A 10.40%
B+ 11.50%
B 12.60%
C 13.70%
D 15.00%
Trade Finance - Working Capital Upto Rs. 3.00 lakh 11.40%
Above Rs. 3.00 lakh upto Rs. 25.00 lakh 12.40%
As per MSME based on credit rating A+ 9.50%
A 10.40%
B+ 11.50%
B 12.60%
C 13.70%
D 15.00%
Road Transport Operator (SRTO) Upto Rs 25.00 lakh Up to Rs. 3.00 Lakh 12.40%
>Rs. 3.00 Lakh to 25.00 Lakh 12.15%
Above Rs. 25.00 Lakh-Rating Based Credit Rating Credit Rating based
A+ 11.90%
A 12.40%
B+ 12.90%
B 13.15%
C 14.40%
D 14.90%
SHG Up to Rs. 3.00 Lakh 7.00%
>Rs. 3.00 Lakh & upto Rs. 5.00 Lakh 10.00%
Above Rs. 5.00 Lakh 12.40%
JLG Interest rate same as applicable on the type (scheme) of finance
PM Svanidhi Yojana All Cases 14.75%
Baroda Gramin- Loan Against Future Rent Receivables. All Cases 12.90%
NHFDC (Interest Rebate of 1% for Women) Up to Rs. 50,000/- 5.00%
>Rs. 50000 to 5.00 Lakh 6.00%
> Rs. 5.00 Lakh to Rs. 15.00 lakh 7.00%
> Rs. 15.00 Lakh to Rs. 30.00 lakh 8.00%
B+ 11.50%
B 12.60%
C 13.70%
D 15.00%
Road Transport Operator (SRTO) Upto Rs 25.00 lakh Up to Rs. 3.00 Lakh 12.40%
>Rs. 3.00 Lakh to 25.00 Lakh 12.15%
Above Rs. 25.00 Lakh-Rating Based Credit Rating Credit Rating based
A+ 11.90%
A 12.40%
B+ 12.90%
B 13.15%
C 14.40%
D 14.90%
SHG Up to Rs. 3.00 Lakh 7.00%
>Rs. 3.00 Lakh & upto Rs. 5.00 Lakh 10.00%
Above Rs. 5.00 Lakh 12.40%
JLG Interest rate same as applicable on the type (scheme) of finance
PM Svanidhi Yojana All Cases 14.75%
Baroda Gramin- Loan Against Future Rent Receivables. All Cases 12.90%
NHFDC (Interest Rebate of 1% for Women) Up to Rs. 50,000/- 5.00%
>Rs. 50000 to 5.00 Lakh 6.00%
> Rs. 5.00 Lakh to Rs. 15.00 lakh 7.00%
> Rs. 15.00 Lakh to Rs. 30.00 lakh 8.00%
  > Rs. 30.00 Lakh to Rs. 50.00 lakh 9.00%
  Up to Rs. 3.00 Lakh 10.00%
  >RS. 3.00 LAKH upto Rs. 25.00 lakh 11.00%
Loan to Doctors >Rs.25.00 Interest Rate
lakh Bases on Rating
A+ 10.00%
A 10.50%
B+ 10.75%
B 11.75%
C 14.00%
D 14.50%
LABOD-Public All Cases 1.00% more than FD Rate
LABOD-Staff All Cases 1.00% more than FD Rate
LABOD-Third Party All Cases 2.00% more than FD Rate or 9.00% which is higher
Loan Against LIC Policy-Public All Cases 12.85%
Loan Against LIC Policy-Staff All Cases 12.40%
Loan Against NSC/KVP (Public) All Cases 12.85%
Loan Against NSC/KVP (Staff) All Cases 1.00% over NSC/KVP Rate
Loan to BCs/VLEs All Cases 10.90%
Krishi Udyami Swavlamban Yojna Up to Rs. 3.00 Lakh 10.00%
>Rs. 3.00 Lakh 11.00%
Solar Up to Rs. 3.00 Lakh 10.65%
>Rs. 3.00 Lakh 11.90%
BP/TOD All Cases 18.00%
Loan to Primary Agriculture Credit Societies (PACSs)/Large sized Adivasi Multipurpose Societies (LAMPs) Up to Rs. 50,000/- 10.00%
>Rs. 50,000/- to 2.00 lakh 10.50%
>Rs. 2.00 Lakh 11.75%
Loan to Farmer's Service Socities (FSSs) Irrespective of Loan Amount 11.25%
Loan to Poly House/Green House/Plant Nursery/Production of Bio Pesticides, Bio Fertilizer, Vermi Compost etc. Up to Rs. 1.00 Crore 10.50%
>Rs. 1.00 Crore 13.25%
Gramin Credit Card Up to permissible limit 13.90%
Debt Swap Scheme As per Direct Agriculture Loans
BUPB Kisan Tatkal Rin Yojana As per Direct Agriculture Loans
MUDRA LOANS To be applied according to purpose wise
Stand Up India To be applied according to purpose wise
NSFDC (Interest Rebate of 1% for Women) MICRO-CREDIT FINANCE SCHEME (MCF) 5.00%
LAGHU VYAVASAY YOJNA(LVY) 6.00%
MAHILA SAMRIDHI YOJNA (MSY) 4.00%
TERM LOAN Up to Rs.5.00 lakh 6.00%
>Rs.5.00 lakh & up to Rs.10.00 lakh 8.00%
>Rs.10.00 lakh & up to Rs.20.00 lakh 9.00%
>Rs.20.00 lakh & up to Rs.27.00 lakh 10.00%
     
NSKFDC (Interest Rebate of 1% for Women) Term Loan 6.00%
Mahila Adhikarita Yojna (MAY) 5.00%
Mahila Samridhi Yojna (MSY) 4.00%
Micro Credit Finance (MCF) 5.00%
Education Loan 4.00%
Sanitation Workers Rehabilitation Scheme (SWRS) 6.00%
Sanitary Mart Scheme 4.00%
PMKUSUM Up to Rs 3.00 Lakh 9.00%
> Rs 3.00 Lakh to Rs 25.00 Lakh 11.00%
> Rs 25.00 Lakh 11.50%
Agriculture Infrastructure Fund All Cases 9.00%
New Tractor Loan Schemes Agriculture end use 13%
Agriculture cum Commercial Use
  1. Agriculture use
  2. Commercial Use
13.50%
Tatkal Tractor Loan 14%
PMFME Upto Rs 3.00 Lakh 9.00%
> Rs 3.00 Lakh 11.00%
BUPB GOLD Loan Retail 9.15%
MSME 9.25%
  Agriculture 8.75%
All other loans which are not mentioned above Loan Amount Priority Sector/Non-PS
Up to Rs. 50,000/- 13.15%/13.90%
>Rs. 50,000/- to Rs. 2.00 Lakh 13.9%/15.40%
> Rs. 2.00 Lakh 15.4%/16.90%
   

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