Rates & Charges
Loans Interest Rates
Latest Updation / Modification as on 19/07/2025
| SCHEME | PERIOD | INTEREST RATE |
|---|---|---|
| SMART GOLD LOAN | 30 Days | 10.00% |
| EASY GOLD LOAN | 45 Days | 11.00% |
| BULLET SPECIAL LOAN | 3 Months | 11.50% |
| BULLET PREMIUM LOAN | 6 Months | 11.50% |
| FLEXI GOLD LOAN | 12 Months | 11.50% |
| OTHER LOAN PRODUCTS: | Interest Rate | Effective Rate |
|---|---|---|
| Housing Loan – HL | 12.40% | 11.65% |
| Employees Secured Loan – ESL | 13.25 % | 12.45 % |
| Education Loan | 13.75 % | 12.92 % |
| Merchants’ Loan | 15.00 % | 14.10 % |
| Vehicle Loan on Fixed Deposit | 11.50% | 10.81% |
| Vehicle Loan on Other Securities | 13.00% | 12.22 % |
| Ordinary Vehicle Loan ( 2 Wheeler Loan ) | 13.50% | --- |
| 4 Wheeler Loan ( Credit Score 700 to 800 ) | 11.00% | --- |
| Platinum Vehicle Loan ( 4 Wheeler Loan ( Credit Score >800 ) ) | 10.50% | --- |
| Pensioners Loan | 13.00% | 12.22% |
| UNSECURED LOAN – UMT | Interest Rate | Effective Rate |
|---|---|---|
| a. Unsecured Loan ( NMT ) Upto Rs.30,000/- | 15.50 % | 13.95 % |
| SECURED MEDIUM TERM LOANS ( PROPERTY LOANS ) - SMT, DST AND SLT | Interest Rate | Effective Rate |
|---|---|---|
| a. Amount Upto and inclusive of 6-Lakh --- 60 Months Max. | 11.60% | 10.9% |
| b. Loan Amount Rs. 50,000/- and above(SMT,DST and SLT) (Loans issued upto 120 months)) | 13.30% | 12.50% |
| CASH CREDIT (OERDRAFT) – CC / OD | Interest Rate | Effective Rate |
|---|---|---|
| a. Cash Credit Upto and Inclusive of Rs.25,00,000/- | --- | 12.90 % |
| b. Cash Credit Rs.25,00,001/- and above | --- | 12.00 % |
