|
Interest Rates on Term Deposit |
|
S.
No. |
Maturity Range |
Rates from 15.06.2009 to 14.07.2009 |
Revised Rate of Interest w.e.f. 15.07.2009 |
01. |
15 days to 45 days |
4.00 % p.a. |
4.00 % p.a. |
02. |
46 days to 90 days |
5.00 % p.a. |
5.00 % p.a. |
03. |
91 days to 180 days |
5.75 % p.a. |
5.50 % p.a. |
04. |
181 days to less than 1 year |
6.50 % p.a. |
6.25 % p.a. |
05. |
1 year to less than 2 years |
7.00 % p.a. |
7.00 % p.a. |
06. |
2 years to less than 3 years |
8.00 % p.a. |
7.50 % p.a. |
07.
08.
|
3 years to less than 5 years
5 Years to Less than 7 Years
| 7.25 % p.a.
7.25 % p.a.
|
7.00 % p.a.
7.00 % p.a.
|
09. |
7 years to less than 8½ years |
7.25 % p.a |
7.00 % p.a. |
10. |
8½ years to upto 10 years |
7.25 % p.a |
7.00 % p.a. |
The above rates shall be applicable on all domestic term deposit accounts opened or renewed on or after 15.07.2009.
The additional incentive given on rate of interest to Senior Citizens shall continue at existing rate i.e. 0.50%.
The above rates will be compounded on quarterly rest for the deposits held for the period above 181 days & above.
Tax at source be deducted as per norms applicable.
|
Interest Rates on Advances |
S.No. |
Advance/Sector/ Scheme |
Effective Interest Rate – BPLR 12.00% w.e.f. 15.07.2009 |
| |
|
|
Interest Rate -% |
BPLR difference |
A. |
1. |
Direct Agriculture (Production Credit)
Up to Rs. 50,000/- |
10.00% |
Below 2.00% |
|
2. |
Rs. 50001/- to Rs. 2,00,000/- |
11.00% |
Below 1.00% |
|
3. |
Rs. 2,00,001/- to 3,00,000/- |
12.00% |
- |
|
4. |
Rs. 3,00,001/- to 5,00,000/- |
12.50% |
Above 0.50% |
|
5. |
>Rs. 5,00,000/- and above |
12.50% |
Above 0.50% |
B. |
1. |
Agriculture Investment Credit (......................)
Up to Rs. 50,000/- |
10.00% |
Below 2.00% |
|
2. |
Rs. 50001/- to Rs. 2,00,000/- |
11.50% |
Below 0.50% |
|
3. |
Rs. 2,00,001/- to 10,00,000/- |
12.50% |
Above 0.50% |
|
4. |
>Rs. 10,00,000/- |
13.00% |
Above1.00% |
C. |
1. |
Indirect Agriculture (.......... .................................)
Up to Rs. 50,000/- |
10.00% |
Below 2.00% |
|
2. |
> Rs. 50000/- to Rs. 2,00,000/- |
11.50% |
Below 0.50% |
|
3. |
> Rs. 2,00,000/- to 10,00,000/- |
12.50% |
Above 0.50% |
|
4. |
>Rs. 10,00,000/- to 10,00,000/- |
12.50% |
Above 0.50% |
D. |
1. |
Micro, Small & Medium Enterprises (MSME)
Up to Rs. 50,000/- |
10.25% |
Below 2.25% |
|
2. |
Rs. 50001/- to Rs. 2,00,000/- |
12.00% |
Below 0.50% |
|
3. |
2,00,000/- to Rs. 5,00,000/- |
13.00% |
Above 0.50% |
|
4. |
>Rs. 5,00,000/- and above |
13.50% |
Above 1.00% |
E. |
1. |
Self Help Group/SGSY/Group Loan .................................)
(Rs. 50000/- per Capita) |
10.00% |
Below 2.00% |
F. |
1. |
Other Priority Sector .................................)
Up to Rs. 50,000/- |
10.00% |
Below 2.25% |
|
2. |
> Rs. 50000/- to Rs. 2,00,000/- |
11.50% |
Below 0.50% |
|
3. |
> Rs. 2,00,000/- to 25,00,000/- |
12.50% |
Above 0.50% |
G. |
1. |
Non Priority Sector .................................)
Up to Rs. 50,000/- |
10.10% |
Below 2.00% |
|
2. |
Rs. 50001/- to Rs. 2,00,000/- |
11.50% |
Below 0.50% |
|
3. |
Rs. 2,00,001/- to 10,00,000/- |
12.50% |
Above 0.50% |
|
4. |
> Rs. 10,00,000/- to 25,00,000/- |
13.50% |
Above 1.50% |
H. |
1.A |
Retail Loan
Housing Loan(General)under Fixed ..Rate Option ....... a. Loan repayment up to 5 yrs |
upto Rs. 20 Lac - 10.50%
above Rs. 20 Lac - 10.50% |
Fixed Rate |
|
|
b. Loan repayment above 5 yrs up to 10 yrs |
upto Rs. 20 Lac - 11.50%
above Rs. 20 Lac - 11.50% |
Fixed Rate |
|
|
c. Loan repayment above 10 yrs |
upto Rs. 20 Lac - 12.50%
above Rs. 20 Lac - 12.50% |
Fixed Rate |
| |
|
d.Home Improvement Loan (upto2 Lac) |
11.50% |
Below 0.50% |
|
1.B |
KRISHAK AVAS RIN
a. Up to Rs. 50,000/- |
10.50% |
Below 1.50% |
|
|
b. Rs. 50001/- to Rs. 2,00,000/- |
11.50% |
Below 0.50% |
|
|
c. >Rs. 2,00,000/- |
12.00% |
--- |
|
2. |
Advance for Bank premises* |
|
|
| |
|
Upto Rs. 200000/- |
12.50% |
Above 0.50% |
| |
|
> Rs. 200000/- |
13.00% |
Above 1.00% |
|
3. |
Pensioner’s Loan* |
13.00% |
Fixed Rate |
|
4. |
Marriage loan up to (2.00 lac)* |
13.50% |
Fixed Rate |
|
5 |
Consumer loan for salary holders* |
14.50% |
Fixed Rate |
|
6. |
Two wheeler vehicle (NFS)* |
11.50% |
Fixed Rate |
|
7. |
Two wheeler vehicle (FS)* |
11.50% |
Fixed Rate |
|
8. |
Property loan scheme *
up to Rs. 10,00,000/- |
13.50% |
Above 1.50% |
|
9. |
Education loan
Up to Rs. 4,00,000/- |
12.50% |
Above 0.50% |
|
|
Above Rs. 4,00,000/- |
13.50% |
Above 1.50% |
| |
10 |
Loan to Medical Practitioners |
|
|
| |
|
Upto Rs. 200000/- |
12.00% |
--- |
| |
|
> Rs. 200000/- |
11.50% |
Below 0.50% |
| |
11 |
PersonalLoan ( Fixed Rate) |
14.00% |
Above 3.00% |
| |
12 |
Rasoi Muskan loan Scheme (fixed Rate) |
10.00% |
Below 2.25% |
|
13 |
NSC/KVP
- Demand loan |
10.50% or 0.50% below BPLR or 2.00% over NSC/KVP rate whichever is higher
|
Above 0.50% |
|
|
- Over Draft |
10.50% or 0.50% below BPLR or 2.00% over NSC/KVP rate whichever is higher |
Above 0.50% |
|
14 |
Loan against LIC policy for Customers |
11.50% |
Below 0.50% |
| |
|
Loan against LIC policy for Staff |
11.00% |
Below 1.50% |
|
15 |
LABOD Public
Note: The Regional Manager will have discretion, on case to case basis, to give up to 1% rebate in interest rate keeping in consideration business growth under special circumstances. |
|
2% above deposit interest rate |
|
|
- Staff |
|
1% above deposit interest rate |
|
|
- loan against third party term deposit |
|
2.50% above deposit interest rate |
| |
16 |
Loan for Solar Light System (fixed rate)
Upto Rs.50000/- |
10.00% |
Below 2.00% |
|
17 |
BP / TOD |
14.50% |
Above 2.50% |
|
18 |
Car loan*
- up to Rs. 2.00 lac |
11.50% |
Below 0.50% |
|
|
- above Rs. 2.00 lac |
12.00% |
--- |
|
19 |
Saral Vyapar loan
1. Up to Rs. 50,000/- |
10.00% |
Below 2.25% |
|
|
2. > 50000/- up to 2,00,000/- |
12.00% |
--- |
|
|
3. > 2,00,000/- up to 10,00,000/- |
12.50% |
Above 0.50% |
|
|
4. > above Rs. 10.00 lac |
13.00% |
Above 1.00% |
|
|
|
|
