Loan Interest Rates
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Housing Loan |
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For Building Construction / Purchase of Flat / Purchase of House
The Loan applicant’s Cibil should be 700 or above and 0 or (-)
(i)( Having the Permission of Nagar Nigam,Amount up to Rs 45.00 Lakh)
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(a) For the male class |
219 |
7.75%
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(b) For the female class |
223 |
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(ii ) For alteration and finishing of building extension ( up to Rs . 15.00 lakh ) ( In which construction permission from Municipal Corporation is obtained once ) |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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Upto 5 years |
189 |
09.00% |
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More than 5 years |
190 |
08.50% |
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(iii) For purchase of plot / purchase of shop / construction of shop / construction of shopping complex ( eligibility as per income ) And for building repairs / building construction and finishing ( amount up to Rs . 10.00 lakh ) ( in which Municipal construction permission is not obtained ) |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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Upto 5 years |
179 |
09.25% |
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More than 5 years |
180 |
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Trade credit New loan disbursement interest rate from 11.10.2026 to 31.03.2027 in GL Head 220,221,222 for cloth/readymade, milk dairy/sweets/decoration/utensils/furniture/fruit buying and selling business
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(i) Cash credit limit |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(i) Upto Rs. 10 Lakh |
175,221 |
9.45 % |
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(ii) Above Rs.10 Lakh and less than 30 Lakh |
175,221 |
9.70% |
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(iii) Above Rs.30 Lakh and less than 50 Lakh |
175,221 |
8.55% |
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(iv) Above Rs.50 Lakh |
175,221 |
9.40% |
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(ii) Overdraft account |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(i) Upto Rs. 5,00,000/-
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176,220 |
9.95 %
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(ii) Rs. 5,00,001/- to Rs. 10,00,000/- |
176,220 |
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(iii) Above Rs. 10,00,001/- and less than Rs. 50 lakh |
176,220 |
10.20% |
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(iv) Rs. 50 lakh and above |
176,220 |
09.90% |
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(iii) Term Loan for Business ( Term Loan for Vehicle , Machinery and Business ) |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(i) Upto Rs. 5,00,000/-
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178,181, 222 |
9.45 %
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(ii) Rs. 5,00,001/- to Rs. 10,00,000/- |
178,181, 222 |
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(iii) Above Rs. 10,00,001/- and less than Rs. 50 lakh |
178,181, 222 |
9.70% |
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(iv) Rs. 50 lakh and above |
178,181, 222 |
09.40% |
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Battery operated commercial vehicle e - rickshaw |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(Maximum loan limit Rs. 1.00 lakh) |
224 |
10.00% |
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(ii)Apart from the above the rest will be charged Interest rate -8 % Four wheeler loan
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(a) For the male class |
191 |
8.40 % |
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(b) For the female class |
217 |
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Two Wheeler Loan |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(a) For the male class |
186 |
12 % |
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(b) For the female class |
218 |
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Solar Plant |
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| Size and types of Loans and Advances | G-L Head | Interest rate % per annum | |
| (a)Upto Rs. 2 Lakh | 178 | 6 % | |
| (b)Above Rs.2 Lakh and less than 5 Lakh | 7 % | ||
| (c) Above Rs.5 Lakh and less than 10 Lakh | 8.50 % | ||
| (d) Above Rs.10 Lakh and less than 50 Lakh | 8.75 % | ||
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Professional Loans |
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O.D. GL Head- 216, T.L. GL Head-193 |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(i) Upto Rs. 20,00,000/- |
193,216 |
9.00% |
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(ii) Above Rs. 20,00,000/- |
193,216 |
10.00% |
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Real Estate Mortgage Personal Loan ( Mortgage & Personal ) |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(i) Real Estate Mortgage Personal Loan for personal purposes |
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(Upto Rs. 5 Lakh, maximum tenure 84 months) |
183 |
10.50% |
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(Above Rs. 5 lakh upto Rs. 15 lakh Maximum period 120 months) |
183 |
10.50% |
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(ii) On commercial (LAP) loans disbursed |
183 |
10.50% |
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(iii) Personal Overdraft Facility – (Upto a maximum of Rs. 5 lakh) |
225 |
12.50% |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
Interest rate % per annum |
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Staff salary advance |
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Gold Jewellery Liquidation Loan |
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Type of loan |
G - L - Head |
Interest Rate before 05.10.2026 |
Interest rate on fresh loan applicable from 05.10.2026 |
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(i)Bullet Loans
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172 |
9.00% |
8.90% |
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(ii) Term loan |
194 |
9.00% |
8.90% |
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(iii) Overdraft facility for personal purposes
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215 |
10.00% |
9.90% |
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(iv) Overdraft facility for business purposes
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215 |
10.00% |
9.90% |
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Unsecured and consumption loan ( hypothecation loan ) |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(i) on personal bail without bail, and On other unsecured loans |
177 |
13.00% |
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(ii) Departmental pay cut consent and a bail on personal bail unsecured loan |
185 |
12.00% |
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(iii) Consumer durables like TV, For fridge, furniture, household appliances etc. on hypothecated loans |
186 |
12.00% |
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N.S.C./K.V.P./Life Insurance Policy / Warehouse Receipt Saving Loan |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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(i) Short Term ( Term Loan ) Short term demand loans against National Savings Certificates / Kisan Vikas Patra / Life Insurance Policy / other valid securities |
174 |
11.00% |
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(ii) Overdraft facility National Savings Certificate / Kisan Vikas by hypothecation of letter / warehouse receipt for all kinds of purposes |
187 |
12.00% |
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Education loans |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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Upto Rs. 5,00,000/- |
192 |
12.00% |
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Staff salary advance |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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Staff Salary |
184 |
09.00% |
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SELF HELP GROUP LOAN SCHEME |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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Self Help Group Loan |
273 |
14-00 % |
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MICRO-FINANCE LOAN SCHEME |
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Size and type of loans and advances |
G - L - Head |
Interest rate % per annum |
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Micro Finance Loan |
274 |
12-00 % |
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