Interest Rates
S. No. Scheme Eligibility Margin Payoff Interest Rate (Annual)
1 Kishan Credit Card Committe Membership NW 1:10 5 years 3% Interest

interest rates of various schemes of diversification in loans and advances w.e.f. 01/12/2023

S. No. Scheme Loan Amount
Existing Interest Rates from 01/12/2023
1
Loan for Firms and Businessman
2 Lakh to 30 Lakh
10.75%
2
Loan against Immovable Assets
Upto 60 Lakh
11%
3
SRTO
Upto 3 Lakh
11%
3 Lakh to 10 Lakh
11%
4
Agricultural Mechanization
Upto 2 Lakh
10%
Above 2 Lakh
10%
5
Housing Loan (Urban/Rural)
Upto 10 Lakh
8.75% Floating
10 Lakh to 75 Lakh (As per bank circular C-232, dated 13/10/2022)
9% Fixed
Building Owner Advance and Construction 
10 Lakh to 75 Lakh
11%
6
Gyandeep Education Scheme
Upto 10 Lakh
11%
7
Swarojgaar Credit Card
Upto Rs. 25000
12%
8
Personal Loan
Salaried individuals who receive their salaries at the branch
12%
For all others (By Bank circular C-152, dated 24/07/2023, Equal to 24 months Salary of (Basic Salary + Dearness Allowance) upto 10 Lakh)
13%
9
Salaried Cooperative Loan
By Bank circular C-374, dated 23/02/2023, 25 times of (Basic Salary + Dearness Allowance) upto 20 Lakh)
8.80%
10
Pt. Deen Dayal Upadhyay Cooperative Self Employment Scheme (Including Photostate, PCO, Flour Mill, Oil Mill)
Upto 50 Thousand
10.50%
50 Thousand to 2 Lakh 
11%
11
NSC / KVP
Upto 85% of Face Value
11%
12
Loan against Warehouse Receipt
2 Lakh
12%
13
Plot Registration Money
85% of Registered Amount upto 5 Lakh
13.50%
14
Car Loan for General Customer
By Bank circular C-312, dated 06/11/2023, upto 20 Lakh
8.80%
Two Wheeler Vehicle for General Customer
Upto 2.5 Lakh
9.50%
15
Overdraft
By Bank circular C-246, dated 30/03/2007, Equal to 2 months Salary of (Basic Salary + Dearness Allowance)
14.50%
Interest on all loans will be calculated on monthly basis. Which will be added to the account.