Rates & Charges

    Loans Interest Rates

    Latest Updation / Modification as on 30/12/2022

    SCHEME PERIOD INTEREST RATE
    SMART GOLD LOAN 30 Days 9.00%
    EASY GOLD LOAN 45 Days 10.00%
    ORDINARY GOLD LOAN 3 Months 10.50%
    BULLET GOLD LOAN 12 Months 11.50%
    FLEXI GOLD LOAN 10.00%

    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 %
    Educational Loans

    Educational Loans

    Education loan to meet expenses of higher education.

    Housing Loans

    Housing Loans

    Loans for purchase of House or Flats.

    Vehicle Loans

    Vehicle Loans

    Fulfil your dream of owning a vehicle