| Interest
Rates on Loans & Advances wef 01.04.2009
| Si No |
Segment |
Existing Int Rates |
Revised Int Rates |
| 1 |
Crop Loans including Agr. Gold Loans, KCC, RMGs |
| A |
Crop Loans (Disbursed during the subvention
period) |
a). Up to Rs 3.00 lacs |
7% |
7% |
| b). Above Rs 3.00 Lacs |
12% |
14% |
| B |
After Subvention period(After due
date) |
a). Up to Rs 25,000/- |
11% |
14% |
| b). Rs 25,001 to Rs 50,000/- |
12% |
| c) Above Rs 50,000/- |
12% |
| 2 |
Agricultural Term Loans |
a) Up to Rs 50,000/- |
12% |
13% |
| b) Above Rs 50,000/- |
13% |
14% |
| 3 |
Allied Agri. Term Loans |
a) Up to Rs 50,000/- |
12% |
13% |
| b) Above Rs.50,000/- |
13% |
14% |
| 4 |
ISB-Cash Credits, Term Loans and composite Term
Loans including Transport Operators |
a) Up to Rs. 2,00,000/- |
13% |
13.50% |
| b) Above Rs 2,00,000/- |
14% |
14.50% |
| 5 |
Self Help Groups |
a) Direct to Groups |
12% |
14% |
| b) Through MACS/VOs |
13% |
15% |
| 6 |
Gold Loans- Personal Purpose |
15% |
14% |
| 7 |
Consumer Durable Loans and Personal Loans |
a) Up to Rs 1,00,000/- |
14% |
16% |
| b) Above Rs 1,00,000/- |
15% |
| 8 |
Mortgage Loans |
13% |
14.50% |
| 9 |
Housing Loans |
a) Up to Rs 3 Lacs |
11% |
13%@ |
| b) Above Rs 3 Lacs |
12% |
| For repairs and Up gradation (Max
Rs 2 Lacs) |
11% |
13% |
| 10 |
Education Loans |
a) Up to Rs 2,00,000/- |
10% |
11% |
| b) Above Rs 2,00,000/- to Rs 4,00,000/- |
11% |
12% |
| c) Above Rs 4,00,000/- |
12% |
13% |
| 11 |
Demand Loans ( Loans against NSC/KVP/LIC Policies
etc) |
12% |
14% |
| 12 |
Vehicle Loans |
| a) New Vehicle |
12% |
Irrespective of Old or New Vehicles
14% |
| b) Old Vehicles(Not more than 5 years) |
12% |
| 13 |
Small and Medium Enterprises (SME) Loans |
a) Up to Rs 10,00,000/- |
13% |
14% |
| b) Above Rs 10,00,000/- |
14% |
15% |
| 14 |
Clean Overdraft |
15% |
17% |
| 15 |
General Purpose Credit Cards (G.C.C) Maximum limit
of Rs 25000/- |
12% |
Maximum limit of Rs 25000/- 13% |
| 16 |
Swarnajayanti Grama Swarojgar Yojana (SGSY) -
For any limit |
12% |
For any limit 13% |
| @ For new houses @ 10% p.a from 01.03.2009 to
30.09.2009 and for existing loans @11% p.a. |
|
