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Loan Interest Rates

Interest Rates
( w.e.f. 04-May-2010 )
Sr. No Type of Advance Rate of interest %
1 Term Loan/Demand Loan/Cash Credit/ Working Capital
  Priority Sector
  SSI and Transport Operator 13
  Other Priority sectors
  Up to Rs. 10 lakh 13
  Above Rs. 10 lakh 13
  Medical Practitioners & other Professionals
(maximum advance up to Rs.15 lakh)		 12.00 to 13.00
  Purchase of gala by Traders 13.00
  Loan to Medical Shops for renovation & air conditioner 12.00 to 13.00
  B. Others  
  Up to Rs. 10 lakh 13.00
  Above Rs. 10 lakh 13.00
  Working Capital to Traders up to Rs. 50 lakh 12.00 to 13.00
2 Personal Loan 15 to 16
3 Vehicle Loans
  Two Wheeler Loans 13.00
  Car Loans for personal use 11
  Loans for Trucks , Trailers to fleet owners 12
4 Education Loan
  Up to Rs. 2 lakh 13.00*
  Above Rs. 2 lakh and up to Rs 20 lakh 13*
  *Rebate of 1% allowed on regular repayment annually
5 Tourist Loan
  Up to Rs. 2 lakh 13
  Above Rs.2 lakh and up to Rs. 5 lakh 13
6 Loans/ Overdraft against pledge of Bank's Term Deposits 2% more than deposit rate
7 Advance against pledge of NSC/ KVP 10
8 Advance against pledge of Gold 10
9 Rent Discounting 11.00 to 14.00
10 Loan against Shares 12
11 Advance for Agricultural activity 13
12 Advance to Educational Institutions 12.00 to 14.00
13 Mortgage (Property) Loan 12.00 to 14.00
14 Temporary Overdraft 18.00
15 Housing Loans
  Loan amount upto Rs.15.00 lakh 9.50*
  Loan Amount above Rs.15.00 lakh 8.50*
  *For a initial period of 2 years from the date of sanction, afterwards prevailing rate will apply
  **Irrespective of Loan amount but for a initial period of 5 years from the date of sanction, afterwards prevailing rate will apply 10.50**
16 Business Loan Scheme for only SMEs 11.00 - 11.50

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

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Important: The bank has appointed "M/S. Sankalpa Siddhi Agency Services Pvt. Ltd." for recovery of overdues from the borrowers. The borrowers may contact mrs. Madhuri Joshi on o251- 2209940 or on 9869941390 for any query/complaint in this connection.

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