| Rate of Interest on Loans and Advances | |||||
| Sr. No | Product | ROI | Credit Rating | Repayment | Applicable Since |
| (A, B, C) | |||||
| 1 | Cash Credit | 11.00 % to 13.00 % | Yes | Annual Review | Existing A/c During Renewal and New w.e.f. 22/04/2024 |
| 2 | Mortgage Loan & Secured Loan | 12.00 % to 14.00 % | Yes | Up to 10 Years | Effective from 25/04/2024 |
| 3 | Vehicle Loan (New) | ||||
| a) Personal Use (Four Wheeler) | 10.00% | No | Up to 84 months | Effective from 22/04/2024 | |
| a) Personal Use (Two Wheeler) | 12.50% | No | Up to 60 months | Effective from 22/04/2024 | |
| Vehicle Loan (2nd Hand) | 11.95% | No | Up to 60 months | Effective from 22/04/2024 | |
| Vehicle Loan (2nd Hand) | 14.00% | No | Up to 60 months | Effective from 22/04/2022 | |
| 4 | Vehicle Loan for Commercial Use (New Vehicle) | 11.00 % to 13.00 % | Yes | Up to 84 months | Effective from 25/04/2024 |
| Vehicle Loan for Commercial Use | 13.00 % to 15.00 % | Yes | Up to 48 months | Effective from 22/04/2024 | |
| 5 | Housing Loan | 10.00% | No | Up to 240 months | Effective from 25/04/2024 |
| 6 | Personal Loan | ||||
| 1) Personal Loan (Up to Rs.3.00 Lakh) | 15.75% | No | Up to 36 months | Effective from 22/04/2024 | |
| 2) Up to Rs.3.00 Lakh (Women) | 15.50% | No | Up to 36 months | Effective from 22/04/2024 | |
| 1) Personal Loan Up to Rs. 5.00 Lakh | 17.75% | No | Up to 60 months | Effective from 22/04/2024 | |
| 2) Personal Loan Up to Rs. 5.00 Lakh (Women) | 17.50% | No | Up to 60 months | Effective from 22/04/2024 | |
| 7 | Micro Finance Loan | ||||
| 1) Up to Rs.3.00 Lakh | 15.75% | No | Up to 36 months | Effective from 22/04/2024 | |
| 2) Up to Rs.3.00 Lakh (Women) | 15.50% | No | Up to 36 months | Effective from 22/04/2024 | |
| 1) Up to Rs.3.00 Lakh | 17.75% | No | Up to 60 months | Effective from 22/04/2024 | |
| 2) Up to Rs.3.00 Lakh (Women) | 17.50% | No | Up to 60 months | Effective from 22/04/2024 | |
| 8 | Loan Against Gold,NSC, Govt.Securi.S.V of LIP | 10.00% | No | Up to 60 months | Effective from 22/04/2024 |
| 9 | Loan /OD against Own Deposits | 1% over the ROI applicable to Deposits | No | As per Due Date | Effective from 22/04/2024 |
| 10 | Loan/OD against 3rd Party Deposit | 2% over the ROI applicable to Deposits | No | As per due date | Effective from 22/04/2024 |
| 11 | Education Loans -Unsecured Up to Rs.5.00 Lakh | 11.50% | Yes | Up to 5 years | Effective from 25/04/2024 |
| Full Secured Against Property | 11.00% | Yes | Up to 10 years (without gestation) | ||
| 12.00% | Yes | Up to 10 years (with gestation) | |||
| 11 | Lease Rent Discounting | 11.00 % to 13.00 % | Yes | Annual Review | Effective from 22-04-2024 |
| 12 | Overdraft Against Property | 11.00 % to 13.00 % | Yes | Annual Review | Effective from 22/04/2024 |
| 13 | Lease Rent Discounting | 11.00 % to 13.00 % | Yes | Up to 10 years | Effective from 22/04/2024 |
| 14 | Loans to Professionals | 10.50%, | Yes | Up to 10 years | Effective from 22/04/2024 |
| 11.00% & 11.50% | |||||
| 15 | House Furnishing | 11.50% | No | 60 months maximum | Effective from 22/04/2024 |
| 16 | Clean Overdraft against VDDS | 14% | No | 12 months | Effective from 22/04/2024 |
| 17 | Secured loan for Retail Trader | 14% | No | Up to 84 months | Effective from 22/04/2024 |
