Interest Rate of All Loan w.e.f. 01/04/2026

Housing Loan

Credit Score ROI(% in p.a.)
LTV Up to Rs.50.00 Lakh Above Rs.50.00 Lakh
Above 725 <=80
>80 &<=90		 8.00% 8.25%
<=80
>80 &<=90		 8.25% 8.75%
701 to 725 <=80
>80 &<=90		 8.25% 8.75%
<=80
>80 &<=90		 8.50% 9.00%
676 to 700 <=80
>80 &<=90		 8.50% 9.00%
<=80
>80 &<=90		 8.75% 9.25%
650 to 675 <=80
>80 &<=90		 8.75% 9.25%
<=80
>80 &<=90		 9.00% 9.50%

Re-construction of house(MHADA Property)

Re-construction of house (MHADA property) from plinth level by demolishing existing structure

  • * Maximum Tenure – 10 Years
  • * Eligible – maximum 90% of construction cost OR 80% of valuation of property, whichever is less
Credit Score ROI(% in p.a.)
LTV Up to Rs.10.00 Lakhs Up to Rs.25.00 Lakhs
Priority Sector Non-Priority Sector
Above 725 <=80
>80 &<=90		 8.50% 9.25%
<=80
>80 &<=90		 8.75% 9.50%
675 to 724 <=80
>80 &<=90		 8.75% 9.50%
<=80
>80 &<=90		 9.00% 9.75%
650 to 675 <=80
>80 &<=90		 9.00% 10.00%
<=80
>80 &<=90		 9.25% 10.50%

Mortagage Loan

Credit Vision Score LTV ROI(% in p.a.)
Above 725 <=80
>80 &<=90		 10.00%
<=80
>80 &<=90		 10.25%
701 to 725 <=80
>80 &<=90		 10.50%
<=80
>80 &<=90		 10.75%
676 to 700 <=80
>80 &<=90		 11.00%
<=80
>80 &<=90		 11.25%
650 to 675 <=80
>80 &<=90		 11.50%
<=80
>80 &<=90		 11.75%

In case of Takeover (Canvassing New Business) – 0.50% additional reduction in above eligible rate
OR
If under Priority Sector lending – 0.50% additional reduction in above eligible rate. (Minimum @9.50%) [Either of one reduction will be allowed].

Gold Term Loan

Particulers ROI(% in p.a.)
Term Loan - Up to 2.00 Lakhs 8.50%
Term Loan Above - 2.00 Lakhs 8.75%
Gold Overdraft Up to Rs.5.00 Lakhs 9.25%
NSC/KVP/LIC 9.00%

Personal Loan

Particulers ROI(% in p.a.)
Priority - Without Deviation 13.50%
Priority - with Deviation 14.00%
Non - Priority - Without Deviation 14.50%
Non - Priority - With Deviation 15.00%

Education Loan

(In India & Abroad) ROI(% in p.a.)
LTV Credit Vision Score
Above 725 <=85
>85 & <=90		 8.75%
<=85
>85 & <=90		 9.00%
701 To 725 <=85
>85 & <=90		 9.00%
<=85
>85 & <=90		 9.25%
676 To 700 <=85
>85 & <=90		 9.25%
<=85
>85 & <=90		 9.50%
650 To 675 <=85
>85 & <=90		 9.50%
<=85
>85 & <=90		 10.00%

* 0.25% Less for Female & SC / ST Candidates / Minority

Business Loan

Particular ROI(% in p.a.)
Up to 25.00 Lakhs 9.00%
Loan Above Rs.25.00 Lakhs (ROI Linked to rating exercise, as under)
Particular ROI(% in p.a.)
Rating Risk Category Score
JS- 1 Excellent Above 90 10.00%
JS – 2+ Low Risk Above 85 to 90 10.25%
JS – 2 Above 80 to 85 10.50%
JS – 3+ Low to Moderate Risk Above 75 to 80 10.75%
JS – 3 Above 70 to 75 11.00%
JS – 4+ Moderate Risk 2 Above 65 to 70 11.25%
JS – 4 Above 60 to 65 11.50%
JS – 5 Relative to Risk Bearing Above 50 to 60 11.75%
JS – 6 Risk Bearing Account Below 50 13.00%

* New loan – In case of Takeover / MSME New Loans – 0.25% to 0.50% reduction will be consider

MSME Booster (Machinery Purchase)

(MSME Booster (Machinery Purchase) ROI(% in p.a.)
Up to 10.00 Lakhs - Collateral Security Free 11.00%
Up to 50.00 Lakhs - 70% Collateral Security 10.00%

Vehicle Loan

Four Wheeler (Personal Use)
Credit Vision Score New Vehicle Used Vehicle
Above 750 9.00% 9.50%
700 To 749 9.10% 10.00%
650 To 699 9.40% 10.50%
Two Wheeler Loan
Particular ROI(% in p.a.)
Two Wheeler Loan Revised – 10.00%
Commercial Vehicle Revised – 10.50%
1) Up to Rs.10.00 Lakh No Collateral Security
2) Above Rs.10.00 Lakh & up-to RS.50.00 Lakh 50% to 75% Collateral (Immovable) security
3) Above Rs.50.00 Lakh 75% Collateral (Immovable) security

* Loan Tenure (Repayment period) – Max 7 years
* [All electric Vehicles - Loan tenure is 5 to 7 Years Maximum (as per warranty period)]

Auto Rickshaw 13.50%

Loan Tenure (Repayment Period) - Max 5 Years

Top Up Loan ( for insurance premium) Up to RS.5.00 Lakh
Circular Date. 30/08/2023 ( Board Meeting Date. 29/08/2023)		 ROI - Same as Base Loan

Loan Tenure (Repayment Period) - Max 5 Years

Aatamanirbhar

Particular ROI(% in p.a.)
Existing Buisness Enterprenuer Start-up Buisness Enterprenuer
Without Deviation With Deviation Without Deviation With Deviation
Priority Sector 10.50% 11.00% 11.00% 11.50%
Non Priority Sector 11.50% 12.00% 12.00% 12.50%

For new Atmanirbhar Loans, Share Money applicable will be 2.5% of the loan, and FDR of 2.5% of the loan amount and to be lien marked as security. However, processing fee & Share Money concession, will not be applicable.

Jan Udyog

ROI(% in p.a.) Collateral Security Loan Tenure Charges
Revised
9.50% Equal AND/OR more than 200% Overdraft Facility
Renewable every year and Interestto be served monthly		 Share Money Applicable
2.50%of the limit/loan Sactioned
10.00% Equal Or more than 150% AND/OR Lower than 200% Term Loan
Maximum 5 year subject to rules and regulation and bank policy		 Processing fees Applicable
It will be applicable as per New Policy in lieu of the previous charges as applicable

*Top-Up Loan (for Insurance Premium) Up to Rs.5.00 Lakh
*Circular Dt.30/08/2023 (Board meeting Dt.29/082023)
*ROI – Same as Base Loan

Note:

A) Credit Score :

  1. In case of Credit Score -1 and / OR between 100 to 200 (due to No Credit History / Insufficient History to Score / No Eligible Trade for Scoring / Not Enough Available Credit) then Minimum Credit Score 650 to be Consider.
  2. In Case of applicant (Individual) more than One applicant, then Average Credit Score of the applicants to be Consider for Calculating ROI
Example To consider Credit Score
1st Applicant – Credit Score is 750
2nd Applicant – Credit Score is 675		 [(750 + 675)/2] = 712.50
i.e. 713
1st Applicant – Credit Score is 725
2nd Applicant – Credit Score is 635
3rd Applicant – Credit Score is 650		 [(725+635+651)/3] = 670.33
i.e. 670		 Additional 0.25% will be applicable for Deviation (one of the Credit Score is below 650) in above mentioned ROIs
1st Applicant – Credit Score is 725
2nd Applicant – Credit Score is 650
3rd Applicant – Credit Score is 185		 [(725+650+650)/3] = 675
1st Applicant – Credit Score is 725
2nd Applicant – Credit Score is 635
3rd Applicant – Credit Score is 185		 [725+635+650)/3] = 670 Additional 0.25% will be applicable for Deviation (one of the Credit Score is below 650) in above mentioned ROIs

B) In case of any deviations acceptable to bank, additional 0.25% p.a. will be applicable in above mentioned ROI

C) Other

  1. Penal charges @ 3.00% p.a. will be applicable in case of overdrawn in Overdraft / Cash Credit Account or overdue in term loan accounts or non-compliance of sanction terms and conditions.
  2. Ad-hoc Limit for 60 to 90 days, up-to 20.00% of Sanction limit (up-to admissible limit).
  3. Processing Fees for NSC/LIC loans / Overdraft Limit lump sum Rs.1,000/-, per instance & for renewal of Overdraft against LIC.
  4. Any reduction in ROI, lump sum amount of Rs.2,000/- for loan O/s. up-to Rs.25.00 Lakh, Rs.5,000/- for loan O/s. above Rs.25.00 Lakh to Rs.50.00 Lakh & Rs.10,000/- for loan O/s. above Rs.50.00 Lakh to be charged.