| 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) |
Category of Premier Institution for Education Loan |
|
|
| A |
BPLR - 6.10 % |
BPLR - 3.70% |
| B |
BPLR - 5.80 % |
BPLR - 3.70% |
| C |
BPLR - 4.50 % |
BPLR - 3.70% |
| D |
BPLR - 4.30 % |
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 |
| Car Loan Scheme (LA235, LA241,etc)
Electric Vehicle |
CIBIL(Credit Version)
Score 775 or Higher |
BPLR- 5.50 % |
BPLR- 5.25 % |
BPLR- 3.40 % |
BPLR- 3.15 % |
| 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 + 2.00% |
BPLR + 4.00% |
| CIBIL (-1) |
BPLR - 1.75% |
BPLR + 0.15% |
| Personal Loan-Other cases i.e. for applicant having account relationship with other Bank (LA237) |
768 & above |
BPLR + 0.20% |
BPLR + 2.20% |
| 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 |
|
|
| 800 & above |
BPLR - 5.85 % |
BPLR - 3.65 % |
| > 800 but >726 |
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% |
| Loan Schemes |
Criteria |
Floating |
Applicable Rate of Interest |
| Kisan Credit Card |
Up to Rs. 3.00 Lakh |
NA |
9.00%
(7% p.a. where account is regular and timely rollover) |
| >Rs. 3.00 Lakh to 25.00 lakh |
NA |
11.00% |
| > Rs. 25.00 Lakh |
NA |
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 |
NA |
9.00% |
| >Rs. 3.00 Lakh to 25.00 lakh |
NA |
11.00% |
| > Rs. 25.00 Lakh |
NA |
11.50% |
| Krishak Awas Rin Yojana |
All Cases |
NA |
11.00% |
| Prof. & Self Employed |
Up to Rs. 3.00 Lakh |
NA |
10.40% |
| >Rs. 3.00 Lakh to 25.00 lakh |
NA |
10.90% |
| >25.00 lakh |
NA |
11.40% |
| Saral Vyapar Yojna |
Up to Rs. 25.00 Lakh (Fixed Rate) |
NA |
11.40% |
| Above 25.00 Lac Based on Credit Rating |
|
| A+ |
NA |
11.40% |
| A |
NA |
11.65% |
| B+ |
NA |
11.90% |
| B |
NA |
12.90% |
| C & D |
NA |
13.90% |
| 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 |
NA |
9.00% |
| >Rs. 3.00 Lakh to 25.00 lakh |
NA |
11.00% |
| > Rs. 25.00 Lakh |
NA |
11.00% |
| General Credit Card (GCC), SCC & WCC |
Up to Rs. 3.00 lakh |
NA |
11.40% |
| >Rs. 3.00 Lakh up to Rs. 25.00 lakh |
NA |
12.40% |
| Above 25.00 Lac Based on Credit Rating |
|
| A+ |
NA |
9.50% |
| A |
NA |
10.40% |
| B+ |
NA |
11.50% |
| B |
NA |
12.60% |
| C |
NA |
13.70% |
| D |
NA |
15.00% |
| MSME (Up to Rs. 25.00 Lakh) Micro / Small Enterprises |
Up to Rs. 3.00 Lakh |
NA |
BPLR - 2.85 % (i.e. 11.40 %) |
| >Rs. 3.00 Lakh to 25.00 lakh |
NA |
BPLR - 1.85 % (i.e. 12.40 %) |
| MSME Above Rs. 25.00 Lakh (Credit Rating Based) |
Above 25.00 Lac Based on Credit Rating |
NA |
|
| A+ |
NA |
BPLR - 4.75 % (i.e. 9.50 %) |
| A |
NA |
BPLR - 3.85 % (i.e. 10.40 %) |
| B+ |
NA |
BPLR - 2.75 % (i.e. 11.50 %) |
| B |
NA |
BPLR - 1.65 % (i.e. 12.60 %) |
| C |
NA |
BPLR - 0.55 % (i.e. 13.70 %) |
| D |
NA |
BPLR + 0.75 % (i.e. 15.00 %) |
| Trade Finance - Working Capital |
Upto Rs. 3.00 lakh |
NA |
11.40% |
| Above Rs. 3.00 lakh upto Rs. 25.00 lakh |
NA |
12.40% |
| Above 25.00 Lac
Credit Rating, As per MSME based on credit rating |
NA |
|
| A+ |
NA |
9.50% |
| A |
NA |
10.40% |
| B+ |
NA |
11.50% |
| B |
NA |
12.60% |
| C |
NA |
13.70% |
| D |
NA |
15.00% |
| Road Transport Operator (SRTO) |
Up to Rs. 3.00 Lakh |
NA |
12.40% |
| >Rs. 3.00 Lakh to 25.00 Lakh |
NA |
12.15% |
| Above Rs. 25.00 Lakh-
Based on Credit Rating |
NA |
|
| A+ |
NA |
11.90% |
| A |
NA |
12.40% |
| B+ |
NA |
12.90% |
| B |
NA |
13.15% |
| C |
NA |
14.40% |
| D |
NA |
14.90% |
| SHG |
Up to Rs. 3.00 Lakh |
NA |
7.00% |
| >Rs. 3.00 Lakh & upto Rs. 5.00 Lakh |
NA |
10.00% |
| Above Rs. 5.00 Lakh |
NA |
12.40% |
| JLG |
Interest rate same as applicable on the type (scheme) of finance |
NA |
|
| PM Svanidhi Yojana |
All Cases |
NA |
14.75% |
| Baroda Gramin- Loan Against Future Rent Receivables. |
All Cases |
NA |
12.90% |
| NHFDC (Interest Rebate of 1% for Women) |
Up to Rs. 50,000/- |
NA |
5.00% |
| >Rs. 50000 to 5.00 Lakh |
NA |
6.00% |
| > Rs. 5.00 Lakh to Rs. 15.00 lakh |
NA |
7.00% |
| > Rs. 15.00 Lakh to Rs. 30.00 lakh |
NA |
8.00% |
| > Rs. 30.00 Lakh to Rs. 50.00 lakh |
NA |
9.00% |
| PM Svanidhi Yojana |
All Cases |
NA |
14.75% |
| Baroda Gramin- Loan Against Future Rent Receivables. |
All Cases |
NA |
12.90% |
| Loan to Doctors |
Up to Rs. 3.00 Lakh |
NA |
10.00% |
| >RS. 3.00 LAKH upto Rs. 25.00 lakh |
NA |
11.00% |
| >Rs.25.00 lakh Bases on Rating |
NA |
|
|
| A+ |
NA |
10.00% |
| A |
NA |
10.50% |
| B+ |
NA |
10.75% |
| B |
NA |
11.75% |
| C |
NA |
14.00% |
| D |
NA |
14.50% |
| LABOD-Public |
All Cases |
NA |
1.00% more than FD Rate |
| LABOD-Staff |
All Cases |
NA |
1.00% more than FD Rate |
| LABOD-Third Party |
All Cases |
NA |
2.00% more than FD Rate or 9.00% which is higher |
| Loan Against LIC Policy-Public |
All Cases |
NA |
12.85% |
| Loan Against LIC Policy-Staff |
All Cases |
NA |
12.40% |
| Loan Against NSC/KVP (Public) |
All Cases |
NA |
12.85% |
| Loan Against NSC/KVP (Staff) |
All Cases |
NA |
1.00% over NSC/KVP Rate |
| Loan to BCs/VLEs |
All Cases |
NA |
10.90% |
| Krishi Udyami Swavlamban Yojna |
Up to Rs. 3.00 Lakh |
NA |
10.00% |
| >Rs. 3.00 Lakh |
NA |
11.00% |
| Solar |
Up to Rs. 3.00 Lakh |
NA |
10.65% |
| >Rs. 3.00 Lakh |
NA |
11.90% |
| BP/TOD |
All Cases |
NA |
18.00% |
| Loan to Primary Agriculture Credit Societies (PACSs)/Large sized Adivasi Multipurpose Societies (LAMPs) |
Up to Rs. 50,000/- |
NA |
10.00% |
| >Rs. 50,000/- to 2.00 lakh |
NA |
10.50% |
| >Rs. 2.00 Lakh |
NA |
11.75% |
| Loan to Farmer's Service Socities (FSSs) |
Irrespective of Loan Amount |
NA |
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 |
NA |
10.50% |
| >Rs. 1.00 Crore |
NA |
13.25% |
| Gramin Credit Card |
Up to permissible limit |
NA |
13.90% |
| Debt Swap Scheme |
As per Direct Agriculture Loans |
NA |
As per Direct Agriculture Loans |
| BUPB Kisan Tatkal Rin Yojana |
As per Direct Agriculture Loans |
NA |
As per Direct Agriculture Loans |
| MUDRA LOANS |
To be applied according to purpose wise |
NA |
To be applied according to purpose wise |
| Stand Up India |
To be applied according to purpose wise |
NA |
To be applied according to purpose wise |
| NSFDC (Interest Rebate of 1% for Women) |
MICRO-CREDIT FINANCE SCHEME (MCF) |
NA |
5.00% |
| LAGHU VYAVASAY YOJNA(LVY) |
NA |
6.00% |
| MAHILA SAMRIDHI YOJNA (MSY) |
NA |
4.00% |
| TERM LOAN Up to Rs.5.00 lakh |
NA |
6.00% |
| >Rs.5.00 lakh & up to Rs.10.00 lakh |
NA |
8.00% |
| >Rs.10.00 lakh & up to Rs.20.00 lakh |
NA |
9.00% |
| >Rs.20.00 lakh & up to Rs.27.00 lakh |
NA |
10.00% |
| NSKFDC (Interest Rebate of 1% for Women) |
Term Loan |
NA |
6.00% |
| Mahila Adhikarita Yojna (MAY) |
NA |
5.00% |
| Mahila Samridhi Yojna (MSY) |
NA |
4.00% |
| Micro Credit Finance (MCF) |
NA |
5.00% |
| Education Loan |
NA |
4.00% |
| Sanitation Workers Rehabilitation Scheme (SWRS) |
NA |
6.00% |
| Sanitary Mart Scheme |
NA |
4.00% |
| PMKUSUM |
Up to Rs 3.00 Lakh |
NA |
9.00% |
| > Rs 3.00 Lakh to Rs 25.00 Lakh |
NA |
11.00% |
| > Rs 25.00 Lakh |
NA |
11.50% |
| Agriculture Infrastructure Fund |
All Cases |
NA |
9.00% |
| New Tractor Loan Schemes |
Agriculture end use |
NA |
13.00% |
| Agriculture cum Commercial Use
1. Agriculture Use
2. Commercial Use |
NA |
13.50% |
| NA |
| NA |
| Tatkal Tractor Loan |
NA |
14.00% |
| PMFME |
Upto Rs 3.00 Lakh |
NA |
9.00% |
| > Rs 3.00 Lakh |
NA |
11.00% |
| BUPB GOLD Loan |
Retail |
NA |
BPLR - 5.10 % (i.e. 9.15 %) |
| MSME |
NA |
BPLR - 5.00 % (i.e. 9.25 %) |
| Agriculture |
NA |
BPLR - 5.50 % (i.e. 8.75 %) |
| All other loans which are not mentioned above |
Loan Amount |
NA |
Priority Sector/Non-PS |
| Up to Rs. 50,000/- |
NA |
13.15%/13.90% |
| >Rs. 50,000/- to Rs. 2.00 Lakh |
NA |
13.9%/15.40% |
| > Rs. 2.00 Lakh |
NA |
15.4%/16.90% |
