Net-Banking Login Interest Rates on Advances
INTEREST RATES ON ADVANCES
Sr.No. |
Type of Advances |
Interest rates Linked with BPLR |
Effective Rate of Interest |
|
1 |
AGRICULTURE |
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A |
Short Term (KCC etc.) |
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(i) |
Up to Rs 50000/- |
12.00% |
||
(ii) |
Above Rs 0.50lac to Rs 2.00lac. |
13.00% |
||
(iii) |
Above Rs 2.00lac to Rs 10.00lac. |
13.70% |
||
(iv) |
Above Rs 10.00lac |
12.50% |
||
(iv) |
For Loan againts Warehouse Receipt-Demand Loan for 12 months (*int Rate to be charged on yearly basis excluding Collatral Management Agency (CMA) charge) Upto 6 Month Above 6 Months upto 12 Months |
8.90% 9.20% |
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B |
Medium / Long Term (Including Allied activities) |
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(i) |
Up to Rs 2.00 Lac/- |
11.50% |
||
(i) |
Above Rs. 2.00 Lac to Rs 5.00 Lac/- |
11.50% |
||
(ii) |
Above Rs 5.00 Lac. |
12.00% |
||
C |
Farm Mechanisation (Tractor & other Agricultural implements) |
As per 1.B above |
As per 1.B above |
|
D |
New Tractor Loan Scheme |
LA254 - Agriculture Use |
LTV |
ROI |
upto 85% |
11.50% |
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LA250 - Commercial Use |
LTV |
ROI |
||
upto 70% |
11.50% |
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E |
Krishak Vahan |
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(i) |
Two Wheeler |
12.50% |
||
(ii) |
Four - wheeler / Jeep / Multiutility Vehicle |
11.00% |
||
F |
Loan for Custom hiring Center, Agri-Clinic and Agri-Business Center |
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(i) |
For Term Loan |
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(i) |
Up to Rs 2 Lac |
11.45% |
||
(ii) |
Above Rs 2 Lac |
11.90% |
||
(ii)> |
For Cash Credit Limit (On monthly basis) |
10.85% |
||
G |
Loan for Farmer Producer Organisations (FPOs) |
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(i) |
For Term Loan |
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(i) |
Up to Rs 2 Lac |
10.45% |
||
(ii) |
Above Rs 2 Lac |
10.90% |
||
(ii)> |
For Cash Credit Limit (On monthly basis) |
10.85% |
||
(iii)> |
For Loan againt warehouse Receipt (*Int rate to be charged on yearly basis, exluding Collateral Management Agency (CMA) charge) CC012 |
9.85% |
||
H |
Krishak Mitra Yojana (Debt Swap Scheme) LA021 |
12.95% |
||
I |
PM KUSUM Yojna |
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(i) |
For Loan period upto Rs 5 Years |
10.70% |
||
(ii) |
For Loan period > 5 years upto 10 Years |
10.75% |
||
(ii) |
For Loan period > 10 Years |
11.55% |
||
J |
Scheme for financing to units enganged in Food and Agro Processing Activities |
10.50% As per CRA |
||
K |
Saral Krishi Yojana |
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(i) |
Term Loan LA024 |
12.20% |
||
(ii) |
Overdraft OD009 |
13.20% |
||
2 |
Non Farm Sector (i.e Loan under BRKGB loan for Non-Agriculture Activities, SME Loan Scheme, SRTO, Artizen Credit Card, Swarojgar Credit Card etc.) |
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(i) |
Loan Amount upto Rs 50 Lac |
10.50% |
||
(ii) |
Loan Amount above Rs 50 Lac |
As per CRA Rating |
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3 |
Saral Vypar |
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(i) |
Loan Amount upto Rs 50 Lac |
10.50% |
||
(ii) |
Loan Amount above Rs 50 Lac |
As per CRA Rating |
||
4 |
Premium Saral Vyapar |
|||
(i) |
Loan Amount upto Rs 50 Lac |
10.50% |
||
(ii) |
Loan Amount above Rs 50 Lac |
As per CRA Rating |
||
5 |
Loan Against Ware house receipts* (Int rate to be charged on monthly basis, excluding Collateral Management(CMA) charges |
9.45% |
||
6 |
SHGs/JLGs/NULM SHG NRLM- CC014,CC015,LA025,LA244 SHG General- CC013,CC018 JLG- LA023 NULM -CC027,CC028,CC029,CC030,LA515,LA516,LA517,LA518 |
12.50% 12.50% 12.50% 11.00% 12.50% |
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7 |
General Credit Card |
11.50% |
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8 |
Vehicle Loan (Public) |
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(i) |
Apna Vahan Rin Yojna-New Vehicle (For New Vehicles) |
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a. |
If CIBIL score 750 & above |
8.70% |
||
b. |
If CIBIL score 650-749 & -1 |
9.20% |
||
b. |
If CIBIL score less than 650 |
9.60% |
||
(ii). |
For Corporate (New Car) |
9.60% |
||
(iii) |
Apna Vahan Rin Yojna (For Old vechicle) for individuals and corporates |
|||
a. |
If CIBIL score 750 & above |
11.00% |
||
b. |
If CIBIL score 650-749 & -1 |
12.50% |
||
b. |
If CIBIL score less than 650 |
14.50% |
||
(iv) |
Two Wheeler Loan |
|||
a. |
If CIBIL score 750 & above |
16.00% |
||
b. |
If CIBIL score 650-749 & -1 |
17.00% |
||
b. |
If CIBIL score less than 650 |
17.50% |
||
* Additional conditions as mentioned “Other stipulations for all Retail-Segment Advances”. |
9 |
Housing Loan (Public)/ Housing Repairing/Renovation
|
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A |
Emp. having salary A/c with our Bank |
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a. |
If CIBIL score 800 & above |
8.20% |
||
b. |
If CIBIL score 750 & above but less than 800 |
8.30% |
||
c. |
If CIBIL score 700 & above but less than 750 |
8.40% |
||
d. |
If CIBIL score 650 & above but less than 700 or -1 |
8.50% |
||
e. |
If CIBIL score less than 650 |
8.75% |
||
B |
Housing Loan (Public) Advantage Scheme |
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a. |
If CIBIL score 800 & above |
8.65% |
||
b. |
If CIBIL score 750 & above but less than 800 |
8.75% |
||
c. |
If CIBIL score 700 & above but less than 750 |
8.90% |
||
d. |
If CIBIL score 650 & above but less than 700 or -1 |
9.05% |
||
e. |
If CIBIL score less than 650 |
9.25% |
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Other conditions: - * 10 bps concession available to woman borrower. * A premium of 10 bps will be added to card rate for loan up to 30 lacs if LTV ratio > 80% & <=90%. * Additional conditions as mentioned “Other stipulations for all Retail-Segment Advances”. |
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10 |
Education Loans (Public) |
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9.30% |
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* 50 bps Concession for Girl students * 50 bps for insurance coverage of the loan amount plus accrued interest during moratorium, for the loan tenure through insurance policies assigned in favor of the Bank. * Additional conditions as mentioned “Other stipulations for all Retail-Segment Advances”. |
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11 |
Advances Against Property (Term Loan/Overdraft) |
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a. |
If CIBIL score 800 & above |
10.00% |
||
b. |
If CIBIL score 750 & above but less than 800 |
10.10% |
||
c. |
If CIBIL score 700 & above but less than 750 |
10.20% |
||
d. |
If CIBIL score 650 & above but less than 700 or -1 |
10.30% |
||
e. |
If CIBIL score less than 650 |
10.40% |
||
12 |
PERSONAL/CONSUMER LOAN |
|||
c. |
If CIBIL score 750 & above |
11.50% |
||
d. |
If CIBIL score 650 & above but less than 750 & -1 |
12.00% |
||
e. |
If CIBIL score less than 650 |
12.40% |
||
Other Conditions: * 50 BPS concession in applicable ROI is loan amount is >= Rs. 10.00 Lac. * Additional conditions as mentioned “Other stipulations for all Retail-Segment Advances”. |
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13 |
Top Up Loan |
|||
a. |
If CIBIL score 800 & above |
8.40% |
||
b. |
If CIBIL score 750 & above but less than 800 |
8.50% |
||
c. |
If CIBIL score 700 & above but less than 750 |
8.60% |
||
d. |
If CIBIL score 650 & above but less than 700 or -1 |
8.70% |
||
e. |
If CIBIL score less than 650 |
8.85% |
||
* Additional conditions as mentioned “Other stipulations for all Retail-Segment Advances”.
|
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14 |
Loan Against Future Rent receivable |
|||
(i) |
For our Bank's Branch Building owners (Upto 3 Years) |
11.00% |
||
(ii) |
For others (More than 3 Years & up to 7 Years) |
11.50% |
||
(iii) |
For others (More than 7 Years & up to 10 Years) |
12.00% |
||
15 |
Loan to Doctors |
Sec. Coverage % |
||
(i) |
If Collateral Security available |
Coll. Sec. >=100% |
10.30% |
|
(ii) |
If Collateral Security Not available |
Coll. Sec. <100% |
11.30% |
|
16 |
Loan to Real Estate |
14.35% |
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17 |
Against NSC / KVP / LIC |
|||
(i) |
For Public |
11.85% |
||
(ii) |
Bank Staff- KVP/LIC |
10.85% |
||
(ii) |
Bank Staff- against- NSC |
- |
1.00% additional over the NSC Intt.rate |
|
18 |
Against Bank’s own Deposits |
|||
(i) |
For Public and Staff |
- |
1.00% additional over deposit rate |
|
(iii) |
Against Third party Deposit |
- |
2.00% additional over deposit rate |
|
19 |
Temprary overdraft |
15.85% |
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20 |
Gold Loan |
|||
(i) |
Agri Gold Loan |
9.00% |
||
(ii) |
Retail Gold Loan |
9.00% |
||
(iii) |
MSME Gold Loan |
9.00% |
||
21 |
GECL |
7.80% |
||
22 |
AGRI INFRA FUND - LA436 [Upto Rs. 2.00 Crore] Above Rs. 2.00 Crore: As per relevant scheme |
9.00% As per CRA |
||
23 |
Vehicle Loan to BRKGB Pensioners [Ex-Staff] - LA241 |
0.25% less than ROI applicable in Apna Vahan Loan Scheme |
||
24 |
BRKGB Pensioners [Ex-Staff] Personal Loan Scheme - LA239 |
11.50% |
||
25 |
BRKGB Personal Loan Scheme for Public Pensioners |
11.50% |
||
* Additional conditions as mentioned “Other stipulations for all Retail-Segment Advances”.
|
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26 |
PMFME: Upto Rs. 50.00 Lac Above Rs. 50.00 Lac |
10.50% As per CRA |
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27 |
PM Surya Ghar Loan Scheme: Upto Rs. 2.00 Lac Above Rs. 2.00 Lac upto Rs. 6.00 |
7.00% 9.00% |
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28 |
Area Specific Scheme Marble/Granite/Sand/Red/Kota stone processing units |
Loan amount upto Rs. 50 Lac Loan amount above Rs. 50 Lac |
9.90%% As per CRA |
|
29 |
BRUPY |
Loan amount upto Rs. 50 Lac Loan amount above Rs. 50 Lac |
10.50%% As per CRA |
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