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Toll Free No: 1800-180-8008

The Kangra Central Co-operative Bank Ltd.


Head Office Dharamshala, Distt. Kangra (H.P.) - 176 215


Loans

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 02.03.2023

 

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 11.50%
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/- 10.00% 11.00%
ABOVE Rs.1,00,000/- 10.00% 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 8.75%
ABOVE 3 YEARS TO 5 YEARS 9.00%
ABOVE 5 YEARS TO 6 YEARS 9.25%
28 VEHICLE LOAN GOVT EMPLOYEE
UP TO 3 YEARS 8.75%
ABOVE 3 YEARS TO 5 YEARS 9.00%
ABOVE 5 YEARS TO 20 YEARS 9.25%
29 COMMERCIAL VEHICLE
UP TO Rs.3,00,000/- 10.25%
ABOVE Rs.3,00,000/- TO Rs.5,00,000/- 10.50%
ABOVE Rs.5,00,000/- TO Rs.20,00,000/- 10.75%
ABOVE Rs.20,00,000/- 11.00%
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 9.00%
ABOVE 5 YEARS TO 10 YEARS 9.25%
ABOVE 10 YEARS TO 15 YEARS 9.25%
33 HOME LOAN TO GOVT EMPLOYEE
UP TO 5 YEARS 9.00%
ABOVE 5 YEARS TO 10 YEARS 9.25%
ABOVE 10 YEARS TO 15 YEARS 9.25%
ABOVE 15 YEARS 9.50%
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 11.50%
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 9.25%
ABOVE 10 YEARS to 15 YEARS 9.25%
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 8.75%
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)

 

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