| COOPERATIVE SOCIETIES | INDIVIDUALS |
|---|---|
| AGRICULTURE | AGRICULTURE |
| NON FARM SECTOR | NON FARM SECTOR |
| PERSONAL VEHICLE | PERSONAL VEHICLE |
| WEAVERS/INDUSTRIAL/HOUSING | HOUSING |
| CASH CREDITS | CASH CREDITS |
INTEREST RATES ON LOAN & ADVANCES w.e.f. 01.10.2023
| SR.NO. | SCHEME / PRODUCT | SOCIETY | PUBLIC | ||||
|---|---|---|---|---|---|---|---|
| 1 | KISAN CREDIT CARD | ||||||
| UP TO Rs.3,00,000/- | 6.00% | 7.00% | |||||
| ABOVE Rs.3,00,000/- | 6.00% | 10.50% | |||||
| 2 | MT AGRICULTURE ALLIED ACTIVITY | ||||||
| UP TO Rs.50,000/- | 10.50% | 10.50% | |||||
| ABOVE TO Rs.50,000/- | 10.50% | 10.50% | |||||
| 3 | MT DAIRY | ||||||
| UP TO Rs.50,000/- | 10.50% | 10.50% | |||||
| ABOVE Rs.50,000/- | 10.50% | 10.50% | |||||
| 4 | TRACTOR/FARM MECHANIZATION/IRRIGATION | 11.00% | |||||
| 5 | SHORT TERM LOAN OTHER PURPOSES | 11.00% | 11.50% | ||||
| 6 | TERM LOAN SHG | ||||||
| UP TO Rs.50,000/- | 10.00% | ||||||
| Rs.50,001/- TO Rs.2,00,000/- | 10.00% | ||||||
| ABOVE Rs.2,00,000 | 10.00% | ||||||
| 7 | CCL SHG | ||||||
| UP TO Rs.50,000/- | 10.00% | ||||||
| Rs.50,001/- TO Rs.2,00,000/- | 10.00% | ||||||
| ABOVE Rs.2,00,000/- | 10.00% | ||||||
| 8 | PERSONAL LOAN TO GOVT EMPLOYEE | 12.50% | |||||
| 9 | CONSUMER LOAN TO GOVT EMPLOYEE | 12.25% | |||||
| 10 | GCC LOAN | 11.90% | |||||
| 11 | ECC LOAN | 11.90% | |||||
| 12 | SCC LOAN | 11.90% | |||||
| 13 | COMPUTER LOAN | 12.25% | |||||
| 14 | LOAN AGAINST PROPERTY | 11.75% | |||||
| 15 | LOAN AGAINST FIXED DEPOSIT | ||||||
| against own deposits | 1% above the rate of intt of deposit | 1% above the rate of intt of deposit | |||||
| against third party deposits | 2% above the rate of intt of deposit | ||||||
| 16 | SECURED LOAN TO INDIVIDUAL | 1% above the rate of intt of deposit | |||||
| 17 | SECURED LOAN TO STAFF | At par | |||||
| 18 | CC PDS | ||||||
| UP TO Rs.1,00,000/- | 10.00% | 10.00% | |||||
| ABOVE Rs.1,00,000/- | 10.00% | 10.00% | |||||
| 19 | CC FERTILIZER | ||||||
| UP TO Rs.1,00,000/- | 10.00% | 10.00% | |||||
| ABOVE Rs.1,00,000/- | 10.00% | 10.00% | |||||
| 20 | CC FOR WEAVERS | ||||||
| UP TO Rs.1,00,000/- | 9.00% | 11.00% | |||||
| ABOVE Rs.1,00,000/- | 9.00% | 11.00% | |||||
| 21 | CC HYPO TO INDIVIDUAL | ||||||
| UP TO Rs.1,00,000/- | 11.50% | ||||||
| Rs.1,00,000/- TO Rs.40,00,000/- | 11.75% | ||||||
| ABOVE Rs.40,00,000/- | 12.50% | ||||||
| 22 | CC TO SOCIETIES OTHER PURPOSE | ||||||
| UP TO Rs.1,00,000/- | 10.75% | ||||||
| ABOVE Rs.1,00,000/- | 11.00% | ||||||
| 23 | CC ORCHARD TO INDIVIDUAL | ||||||
| UP TO Rs.3,00,000/- | 10.50% | ||||||
| ABOVE Rs.3,00,000/- | 11.00% | ||||||
| 24 | CC-SL TO SOCIETIES | 1% above the rate of intt of deposit | |||||
| 25 | SECURED LOAN AGAINST NSC/KVP/LIC | ||||||
| SECURED TERM LOAN AGAINST NSC/KVP | 11.00% | ||||||
| SLI AGAINST NSC/KVP | 11.50% | ||||||
| TERM LOAN AGAINST LIC | 11.00% | ||||||
| SLI AGAINST LIC | 11.50% | ||||||
| 26 | SLI TO STAFF AGAINST NSC/KVP | At par | |||||
| SLI TO STAFF AGAINST LIC | 7.50% | ||||||
| 27 | TL-PERSONAL VEHICLE LOAN | ||||||
| UP TO 3 YEARS | 8.70% | ||||||
| ABOVE 3 YEARS TO 5 YEARS | 8.70% | ||||||
| ABOVE 5 YEARS TO 7 YEARS | 8.70% | ||||||
| 28 | VEHICLE LOAN GOVT EMPLOYEE | ||||||
| UP TO 3 YEARS | 8.70% | ||||||
| ABOVE 3 YEARS TO 5 YEARS | 8.70% | ||||||
| ABOVE 5 YEARS TO 20 YEARS | 8.70% | ||||||
| 29 | COMMERCIAL VEHICLE | ||||||
| UP TO Rs.3,00,000/- | 10.00% | ||||||
| ABOVE Rs.3,00,000/- TO Rs.5,00,000/- | 10.00% | ||||||
| ABOVE Rs.5,00,000/- TO Rs.20,00,000/- | 10.00% | ||||||
| ABOVE Rs.20,00,000/- | 10.15% | ||||||
| 30 | CC FOR TRANSPORT BUSINESS | 12.00% | 12.00% | ||||
| 31 | TWO WHEELER |
||||||
| FOR GOVT EMPLOYEE | |||||||
| UP TO 3 YEARS | 12.00% | ||||||
| ABOVE 3 YEARS | 12.00% | ||||||
| FOR OTHERS | |||||||
| UP TO 3 YEARS | 12.00% | ||||||
| ABOVE 3 YEARS | 12.00% | ||||||
| 32 | LOAN FOR HOUSE CONSTRUCTION/REPAIR/PURCHASE | ||||||
| UP TO 5 YEARS | 8.75% | ||||||
| ABOVE 5 YEARS TO 10 YEARS | 9.10% | ||||||
| ABOVE 10 YEARS TO 15 YEARS | 9.10% | ||||||
| 33 | HOME LOAN TO GOVT EMPLOYEE | ||||||
| UP TO 5 YEARS | 8.75% | ||||||
| ABOVE 5 YEARS TO 10 YEARS | 9.10% | ||||||
| ABOVE 10 YEARS TO 15 YEARS | 9.10% | ||||||
| ABOVE 15 YEARS | 9.25% | ||||||
| 34 | HIRING OF BANK BUILDING ACCOMODATION/COMMERCIAL | 12.00% | |||||
| 35 | NFS/SSI/HOTEL/MOTEL/KVIB/DIC/OTHER NPS ACTIVITIES | ||||||
| UP TO 5 YEARS | 10.85% | ||||||
| ABOVE 5 YEARS TO 10 YEARS | 11.10% | ||||||
| ABOVE 10 YEARS TO 15 YEARS | 11.10% | ||||||
| ABOVE 15 YEARS | 11.60% | ||||||
| 36 | DOCTOR/PROFESSIONAL LOAN | ||||||
| UP TO 5 YEARS | 10.20% | ||||||
| ABOVE 5 YEARS TO 10 YEARS | 11.00% | ||||||
| ABOVE 10 YEARS TO 15 YEARS | 11.50% | ||||||
| ABOVE 15 YEARS | 12.00% | ||||||
| 37 | TERM LOAN WEAVERS | ||||||
| UP TO Rs.2,00,000/- | 10.00% | 11.00% | |||||
| ABOVE Rs.2,00,000/- | 10.00% | 11.00% | |||||
| 38 | SGSY/SJSRY | ||||||
| UPTO Rs.50,000/- | 11.00% | ||||||
| ABOVE Rs.50,000/- | 11.25% | ||||||
| 39 | SCAVENGER/SME | ||||||
| UP TO Rs.50,000/- | 10.90% | ||||||
| ABOVE Rs.50,000/- | 11.65% | ||||||
| 40 | EDUCATION LOAN | ||||||
| UP TO Rs.4,00,000/- | 9.75% | ||||||
| Rs.4,00,001 /-TO Rs.7,00,000/- | 10.00% | ||||||
| ABOVE Rs.7,00,000/- | 10.25% | ||||||
| 41 | SHG-NRLM | ||||||
| UP TO Rs.50,000/- | 10.00% | ||||||
| Rs.50,000/- TO Rs.2,00,000/- | 10.00% | ||||||
| ABOVE Rs.2,00,000/- | 10.00% | ||||||
| 42 | MT JOINT LIABILITY GROUP | ||||||
| UP TO Rs.50,000/- | 11.00% | ||||||
| Rs.50,000/- TO Rs.2,00,000/- | 11.00% | ||||||
| ABOVE Rs.2,00,000/- | 11.00% | ||||||
| 43 | OVERDRAFT-PUBLIC | 15.00% | |||||
| 44 | CCL TO CONTRACTORS | ||||||
| UP TO Rs.1,00,000/- | 11.75% | ||||||
| Rs.1,00,000/- TO Rs.40,00,000/- | 12.00% | ||||||
| ABOVE Rs.40,00,000/- | 12.50% | ||||||
| 45 | CCL AGAINST PROPERTY | ||||||
| UP TO Rs.1,00,000/- | 12.25% | ||||||
| Rs.1,00,000/- TO Rs.40,00,000/- | 12.50% | ||||||
| ABOVE Rs.40,00,000/- | 12.50% | ||||||
| 46 | CC NRLM | ||||||
| UP TO Rs.1,00,000/- | 10.00% | ||||||
| Rs.1,00,000/- TO Rs.40,00,000/- | 10.00% | ||||||
| ABOVE Rs.40,00,000/- | 10.00% | ||||||
| 47 | USED VEHICLE | 12.50% | |||||
| 48 | LOAN AGAINST PROPERTY FESTIVAL SCHEME | 11.75% | |||||
| 49 | VEHICLE LOAN PERSONAL FESTIVAL SCHEME | ||||||
| UP TO 3 YEARS | 8.75% | ||||||
| ABOVE 3 YEARS TO 5 YEARS | 9.00% | ||||||
| ABOVE 5 YEARS | 9.25% | ||||||
| 50 | VEHICLE LOAN COMMERCIAL FESTIVAL SCHEME | ||||||
| UP TO Rs.3,00,000/- | 10.25% | ||||||
| ABOVE Rs.3,00,000/- | 10.75% | ||||||
| 51 | VEHICLE LOAN TWO WHEELER FESTIVAL SCHEME | ||||||
| UP TO 3 YEARS | 12.00% | ||||||
| ABOVE 3 YEARS | 12.00% | ||||||
| 52 | HOME LOAN FESTIVAL OFFER | ||||||
| Upto 5 YEARS | 9.00% | ||||||
| ABOVE 5 YEARS to 10 YEARS | 9.35% | ||||||
| ABOVE 10 YEARS to 15 YEARS | 9.35% | ||||||
| ABOVE 15 YEARS | 9.50% | ||||||
| 53 | TRANSPORT SOCIETY | ||||||
| UP TO Rs.3,00,000/- | 9.75% | ||||||
| ABOVE Rs.3,00,000/- TO Rs.5,00,000/- | 9.75% | ||||||
| ABOVE Rs.5,00,000/- TO Rs.20,00,000/- | 9.75% | ||||||
| ABOVE Rs.20,00,000/- | 9.75% | ||||||
| 54 | MUDRA YOJNA | ||||||
| UP TO Rs.50,000/- | 10.50% | ||||||
| 55 | CC MUDRA YOJNA | 10.50% | |||||
| 56 | SWADHAN E SALARY CAR LOAN | 8.60% | |||||
| 57 | SWADHAN E SALARY TWO WHEELER | 11.25% | |||||
| 58 | SWADHAN E SALARY PERSONAL | 11.75% | |||||
| 59 | SWADHAN VEHICLE COMMERCIAL | 10.50% | |||||
| 60 | SWADHAN EDUCATION LOAN | ||||||
| UP TO Rs.4,00,000/- | 9.50% | ||||||
| UP TO Rs.7,00,000/- | 9.75% | ||||||
| ABOVE Rs.7,00,000/- | 10.00% | ||||||
| 61 | SWADHAN KISAN SAMRIDHI | ||||||
| UP TO Rs.50,000/- | 10.25% | ||||||
| ABOVE Rs.50,000/- | 10.75% | ||||||
| 62 | SWADHAN KISAN SAMRIDHI PLUS | ||||||
| UP TO Rs.50,000/- | 10.25% | ||||||
| ABOVE Rs.50,000/- | 10.75% | ||||||
| 63 | SWADHAN DAIRY SUVIDHA | ||||||
| UP TO Rs.50,000/- | 10.00% | ||||||
| ABOVE Rs.50,000/- | 10.00% | ||||||
| 64 | SWADHAN eSALARY | 10.50% | |||||
| 65 | SWADHAN eSALARY OTHERS | 10.50% | |||||
| 66 | COVID linked Kisan Tatkal Rin Yojna | 9.00% | |||||
| 67 | COVID SHG Tatkal Sahayata | 10.90% | |||||
| 68 | Working Capital loan for Hospitality Industry | 10.50% | |||||
| 69 | CC Agriculture |
10.00% | |||||
| 70 | Working Capital Loan for Private Bus Operator |
11.00% | |||||
| 71 | PM Svanidhi |
10.50% | |||||
| 72 | TL NULM |
10.00% | |||||
| 73 | CC NULM |
10.00% | |||||
| 74 | TERM LOAN GOVT. | As per sanction letter | |||||
| 75 | CCL-INDUSTRIAL | As per sanction letter | |||||
| 76 | CCL-HOUSE FEDERATION | As per sanction letter | |||||
| 77 | CCL-LDB CLEAN | As per sanction letter | |||||
| 78 | CC-AGRO INDUSTRY | As per sanction letter | |||||
| 79 | CC-FINANCIAL CORPORATION | As per sanction letter | |||||
| 80 | CC MARKETING SOCIETY | As per sanction letter | |||||
| 81 | CC CONSORTIUM | As per sanction letter | |||||
Note
Interest in the accounts of Women Self Help Groups(WSHG) be charged @7% in category-1 districts i.e. Kangra and Una upto loan amount for Rs.3,00,000/-. The Branch Managers of Kangra & Una districts are advised to fix ROI @7% manually in WSHG accounts upto Rs.3,00,000/- opened in the products:
1. SHG-NRLM(70211065)
2. TL-SHG(70211024)
3. CC-SHG(60031003)
4. CCL-NRLM(60391039)
