Interest Rates on Deposits w.e.f. 19.11.2016

Savings Bank Account – % p.a. on daily basis
DurationGeneral Public
Interest Rate (% p.a.)
New Mahila (Women)
Interest Rate (% p.a.)
Senior Citizens
Interest Rate (% p.a.)
15 days & upto 45 days5.255.505.75
46 days & upto 90 days6.506.757.00
91 days & upto 180 days7.007.257.25
181 days & upto 364 days7.307.407.50
1 year to less than 2 years7.507.607.75
2 years to less than 5 years7.507.758.00
5 years to less than 8 years7.758.008.25
8 years and upto 10 years8.008.258.50

* The above rates will be applicable for fresh and renewal of deposits and are Subject to revision at any time.
* The Mahila (Women) Deposit accounts will get 0.25% extra over and above on the “General Public” rates.

Rate of Interest on LOANS & ADVANCES

1.All Agricultural Loans through PACS (Except KCC/SAO)9.50
2.KCC/SAO from PACS7.00
3.All Agriculture Loans (Direct Lending)11.00
4.All Term Loans under SHG11.75
5.All Term Loans/Overdraft upto Rs. 5.00 Lakhs (Except SHG/ Agri/ Govt. Sponsored schemes)13.25
6.All Govt. Sponsored Schemes12.75
7.(i) Term loans / Overdraft above Rs. 5.00 lakhs and upto 30.00 lakhs13.50
(ii) Term loans / Overdraft above Rs. 30.00 lakhs and upto Rs. 1.00 crore14.25
(iii) Term loans/ Overdraft above Rs. 1.00 crore14.25
8.(i) OD above Rs. 5.00 lakhs and upto Rs. 30.00 lakhs13.50
(ii) OD above Rs. 30.00 lakhs and upto Rs. 1.00 Crores14.25
(iii) OD above Rs. 1.00 Crores14.00
9.Housing Loan upto Rs. 20.00 lakhs10.75
10.Housing Loan above Rs. 20.00 lakhs11.25
11.Building loan for Hotel, Business & Other Commercial Purposes13.25
12.(i) Personal Loan upto 3 years13.75
(ii) Personal Loan above 3 years14.50
13.Gold Loan12.25

1. The interest rates shall be applicable on all existing and fresh loans & advances.
2. A rebate of 1% shall be allowed on Term Loans above Rs. 1. 00 Crores for prompt repayments.
3. The above rates are subject to revision at any point of time.
4. The maximum limit for Personal loan is restricted to Rs. 3.00 lakhs.