| Rate of Interest on Loans & Advances | ||
| The revision in ROI is as under effective from 10.07.2026 | ||
| Sr.No | Particulars | ROI |
| 1 a) | Loans & Advances fully secured against Govt. Securities such as **NSC, **KVP & Surrender Value of *LIC Policy etc. (Self & family members) *w.e.f. 26.10.2023 | *9.00%-**11% |
| 1 b) | Loans & Advances fully secured against Govt. Securities such as **NSC, **KVP & Surrender Value of *LIC Policy etc. (Third Party) *w.e.f. 26.10.2023 | *9.75%-10%**11.75% |
| 2) | Priority Sector Advances | 8.00%-9.00% |
| 3) | Non Priority Sector Advances | 10.00% |
| Personal Loans | ||
| Sr.No | Particulars | ROI |
| a) | All Personal Loans, Loans given for purchase of consumer items and Loans given for house repairs (though to be classified as Priority Sector) are to be charged at | 12.50% (With Security) 13.50-15.00% 14.50-15.00% (Without Security) |
| b) | All Personal Loans to salaried people ... | |
| i) | Where salary is directly credited to SB account with our Bank/through ECS/Cheque Payment or where mandate for loan deduction from salary at source is accepted by the employer and complied with. | 10.00% (With Security) 11.50 - 12.00% (without security) |
| ii) | Where Salary is credited to A/c with other Bank, can be covered U/S-49 | 10.50% (With Security) 11.50% (Without Security) |
| c) | Loans for purchase of new vehicles - Commercial (4Wheeler) vehicles | 10.50% (upto 4 vehicles) 13.00% (above 4 vehicles) |
| d 1) | Loans for purchase of new Vehicles - Two Wheeler | 10.00% |
| d 2) | Loans for purchase of new Vehicles - Four Wheeler | 8.50% |
| e) | Loans to Professionals - Doctors, Engineers, C.A., Advocates, Architects etc. for New Vehicle. | 8.00% |
| f) | Vehicle Loans to Existing Borrowers enjoying Limits with satisfactory dealings. | 8.00% |
| g) | Loans for purchase of second hand Vehicles /Four Wheeler. | 11.50 - 12.00% |
| Educational Loan | ||
| Sr.No | Particulars | ROI |
| a) | Loans granted for securing admission to any recognized educational Institutes in India / Abroad, payment of tuition fees directly remitted to the institute, purchase of study book material | |
| i) | Loans upto Rs.5.00 lakh | 8.00% |
| ii) | Loans over Rs.5.00 lakh in India & Abroad upto 25.00 lakh * ROI @ 0.10% less Girl Students | *8.10% |
| iii) | Loans over Rs.25.00 lakh for studies abroad. (Max Rs. I00.00 lakh effective I0.07.2026 increase from Rs.40.00 lakh) (** ROI @10% for Girl Students) | **8.25% (Extg Customers) **8.50% (New Customers) |
| NAV JEEVAN VIDYA NIDHI Scheme | ||
| Sr.No | Features | ROI |
| a) | Staring at just 9% p.a. | |
| i) | Loan for Studies in India upto Rs. 20 Lakhs and abroad Rs. 40 Lakhs | |
| ii) | Special discount for Girl child | |
| iii) | Repayment to start 6 months after completion of course or getting employed whichever is earlier. | |
| iv) | Loan available for Vocational courses also. | |
| Housing Loan | ||
| Sr.No | Particulars | ROI |
| Loans granted for purchase of ready / under construction houses, construction of house on land already acquired with adequately stamped and Registered property documents with Clear Title | ||
| i) | Upto Rs.25.00l akh repayable in maximum 180 EMIs subject to age upto 60 years (Under Priority Sector) | 7.25% (Now Priority sector lending to HL increased to Rs.50.00 lakh (T&C Apply) |
| ii) | Over Rs.25.00 lakh & upto Rs.35.00 lakh repayable in maximum 180 EMIs subject to upto age of 60 Years (Under Priority Sector) | 7.25% (Now Priority sector lending to HL increased to Rs.50.00 lakh (T&C Apply) |
| iii) | Over Rs.35.00 lakh & upto Rs.50.00 lakh (Priority) | 7.50% - Priority 7.60% (Non Priority) |
| iv) | Over P,s.50.00 lakh upto Rs.100.00 lakh, repayable in maximum 180 EMIs subject to uplo age of 60 years (Non- Priority Sector) | 7.50% - Priority 7.60% (Non Priority) |
| v) | Above Rs.100.00 lakh & upto Rs.140.00 lakh repayable in maximum 180 EMIs subject to upto age of 60 years (Non- Priority Sector). | 7.75% |
| * Housing Loans For Women Borrowers, if under Priority, | ROI shall be 0.10% lesser than applicable as above | |
| iii) | Top UP Loan | 9.00%-10.00% |
| Sr.No | Particulars | ROI |
| 7) | Loans given to Professionals like Medical Practitioners, Chartered Accountants, Architect Consultants etc. for purchase of office premises, X-Ray Machines and other equipments. | 9.25%-9.50% |
| 8) | Large Borrowers from Textile Industries | 8.50% - 9.00% |
| 9) | Loans against discounting of Future Lease Rental Receivables of | |
| i) | Reputed listed Ltd. Companies/Corporate /Multinational Cos./Banks, Govt. & Semi Govt. Bodies etc. | 9.00% |
| ii) | Other Entities | 11.00% - 12.00% |
| 10) | Mortgage Loans / Secured OD / Loan against Properties (LAP) | |
| i) | For Personal & Business purpose | 8.00% - 8.50% |
| ii) | Loans to Builders, Developers etc. | 15% |
| 11) | Loan for Purchase of Commercial Gala | 8.00% - 8.50% |
| 12) | Gold Loans | 9.00% |
| Note : In case of Advances to Large Borrowers of Rs.50 lakhs & above(individual as well as Group accounts) RIO shall be fixed based on credit rating of borrowers. Sanctioning Authority shall take due note of the Market conditions and may offer competitive Rate of interest like. a) In case of takeover of large borrowers from other Banks. b) In order to prevent takeover of our advances from other banks. |
||
| In case of Borrowal accounts u,ilh Credit Rating, reduction of Mox 2% in lending rates across all scores can be considered by the Board. | ||
| *Note: The above card rates are applicable to those applicants / borrowers having CIBIL score of 750 & above. For CIBIL scores between,, 701 -749, additional ROI of 0.25% AND if the score is between 650 - 700, additional ROI @0.50% shall be charged over & above the cord rates. There should however be NIL O/dues in CIBIL reports |
||
| In case of credit facilities tu firms / Cos where Commercial CIBIL rating (CMR) is available, additional ROI @0.25% shall be charged if CMR rating is above 5. | ||
| - Further, the above revision in Rate of Interest on Loans & Advances will be subject to as below. | ||
| - The above changes in Rate of Interest shall be made effective on new Loans and Advances sanctioned on or after 10.07.2026. | ||
| - In case of Loan & Advances secured by mortgage of Immovable Property either as Primary or Collateral Security including Housing Loan where certain deficiencies like unregistered property documents, regularisation process is pending, the Sanctioning Authority may charge additional extra Interest on case to case basis. | ||
| - In case of existing Loan & Advances, the same maybe applied as below: | ||
| - In case of Term Loan other than Large Borrowers, the same may be considered case to case, subject to Board approval. | ||
| - In case of Working Capital i.e. CC, OD (other than Large Borrowers upto Rs.50 lacs) the same may be taken up for consideration at the time of renewal. | ||
| - In case of existing Term Loan as well as renewal of Working Capital Limits of Large Borrowers, the revision in Rate of Interest may be taken up for consideration in a phased manner depending upon value of relationship. | ||
| - In credit ratings, there is reduction of 0.25% in lending rates across all scores. | ||