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Interest Rates - Loans

Loan & Advances Schemes  Interest Rate(p.a)
Effective from 3rd January 2017
( 19th-Poush-2073)
       
Corporate Customers Prime Customers  Other Customers 
Working Capital / Cash Credit 8.00-9.00% 9.50-10.50% 10.50-11.50%
Trust receipt 7.50-8.50% 8.50-9.50% 10.00-11.00%
Short Term Demand Loan 7.50-9.00% 9.50-10.00% 10.00-11.00%
Term Loan / Project Finance 8.50-9.50% 9.50-10.50% 11.00-12.00%
Export Finance/Loan FCY 3.00-5.00%
Pre shipment / Post shipment Loan 7.50-8.50% 8.50-9.50% 10.00-11.00%
Consortium Lending As per consortium decision
Loan Against FDR + 1% + 1.50% + 2.00%
Deprived Sector Lending(MFI,NBFC) 5.50-8.00%
Deprived Sector Lending(Individuals/ Retail) 9.00%
Personal Loan/Overdraft/Mortgage Loan 9.50-12.00%
SME Loan 9.00-11.50%
Education Loan 11.00-12.00%
Home Loan 8.50-11.50%
Auto Loan / Hire Purchase Loan 8.50-11.50%
Bhu. Puu Loan 12.50%
Loan against share / margin lending 9.00-10.00% 10.25-10.75% 11.00-12.00%
Loan against Bonds (Govt. & Other) + 1.00% + 1.50% + 2.00%
Land Loan / Real Estate Loan 9.00-10.00% 10.25-10.75% 11.00-12.00%
Gold Loan 11.00-12.00%
TTthe interest rates are subject to change without prior notice depending on Bank's decision
 

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