| Head of Loans/Advances Rate of Interest(%) | Rate of Interest(%) |
|---|---|
|
KCC |
|
| Kisan Credit Cards – own Tenanat farmers - All Other | |
| Upto 3 Lakh during interest subvention | 7% |
| Upto 3 lakh after subvention period | 13% |
| Above 3 Lakh | 13% |
| Crops & KCC AH & KCC Fisheries , ornamental nursery | |
| Fisheries > 2 lakhs | 11% |
| Ornamental Nursery > 3 lakhs | 11% (for animal husbandry and fisheries subvention upto 2.00 lakh, for remaning all loans Subvention is upto 3.00 lakh) |
|
MSME |
|
| MSME Loans With CGTMSE Coverage | 12% |
| MSME Loans With out CGTMSE Coverage | 11% |
| PM VISWAKARMA | 13% |
| LAKPATHI DIDHI | 12% |
|
Housing Loan |
|
| CIBIL Credit Vision Score: | |
| >=800 | 8.00% |
| 750 to < 800 | 8.25% |
| 700 to < 749 | 8.50% |
| 650 to < 699 | 9.00% |
| New to Credit(-1 score) or 101-200 | 8.50% |
| Others | 9.50% |
|
Education Loan |
|
| Vidya Lakshmi (UBI EBLR +0.5%) | 9.25% |
| With 100% cash Margin | 10% |
| Loans up to and inclusive of Rs.7.50 Lakhs (irrespective of coverage under CGFSEL) | 10.50% |
| Collateral security is urban property | 10.5% |
| Collateral security is Rural/Semi urban property | 11.5% |
|
Property Loan |
|
| CIBIL Credit Vision Score: | |
| >=750 | 11% |
| 700-749(Card Rate) | 11.25% |
| below 700 | 11.75% |
| New to Credit(-1 score)or 101-200 | 11.25% |
|
Gold Loan |
|
| All types of Agricultural Gold Loans | 9.75% |
| Non – Agricultural Gold Loans | 10% |
|
Vehicle Loan for 4-Wheeler |
|
| CIBIL Credit Vision Score: | |
| 775 & above | 9.00% |
| 750-774 | 9.00% |
| 731-749 | 9.00% |
| 700-730 | 9.20% |
| -1 & 1 to 5, NTC | 9.20% |
| 650-699 | 9.50% |
| below 650 | 9.75% |
|
SHG - Farm Sector |
|
| Sanction Limit upto 3.00Lakh | 7% |
| Sanction limit above 3.00 Lakh & upto 5 Lakh | 10% |
| Sanction limit above 5 Lakhs | 13% |
|
SHG - Non Farm Sector |
|
| Sanction Limit upto 3.00Lakh | 9.5% |
| Sanction limit above 3.00 Lakh | 13% |
|
LAD |
|
| Loan against deposit | 1.5% over deposit rate |
|
Others |
|
| Loans against KISAN VIKAS PATRA (KVPS) / NATIONAL SAVINGS CERTIFICATES (NSCs) | 9.50% |
| Loans against Life Insurance Policies | 9.50% |
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