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Interest Rates

Interest Rates on Loans

         
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:
>=8008.00%
750 to < 800 8.25%
700 to < 7498.50%
650 to < 699 9.00%
New to Credit(-1 score) or 101-2008.50%
Others9.50%

EDUCATION LOANS

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 LOANS

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

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%
*Terms & Conditions apply

Interest Rates on Term Deposits

Our bank has been paying relatively high rate of interest on term deposits since the inception of the bank. The interest rates on term deposits are furnished below:

Period Rate of interest %
(w.e.f. 07.07.2025)
Less than Rs 1 Cr Rs 1 Cr & Above
7 days to 45 days 4.00 3.50
46 days to 90 days 5.50 5.25
91 days to 179 days 6.10 5.90
180 days to 364 days 6.75 6.50
1 year to less than 2 years 7.35 7.10
2 years and above 7.00 6.75
AKSHAYA Term Deposit Scheme(AKTDR) – (Non- Callable) - 7.25%
Senior Citizens 0.50% extra in all slabs
Super Senior Citizens 0.75% extra in all slabs
*Staff of the Bank/ Spouse of Deceased Staff /Spouse of Retired Deceased Staff of the Bank 1.00% extra in all slabs up to Rs.150 Lakh
*Retired Staff/ Spouse of Deceased Staff, if Senior Citizen/ Spouse of Retired Deceased Staff of the Bank, if Senior Citizen 1.50% interest extra on all slabs up to Rs.150 Lakh (0.25% additional for Super Senior Citizens)
  • Term deposit scheme with quarterly interest drawal facility.
  • Monthly interest drawal facility is also available at the option of the customer at discounted rate of interest.
  • Deposit can also be made for minimum period of 7 days.
  • Maximum period of deposit is 120 Months.
  • Senior citizens will be allowed 0.5% extra rate of interest.
  • Nomination facility available.