Sr. No.
Name of the sceme
Period
Rate of INT P.A.
1
LOAN AGAINST GOLD
Bullet Payment upto Rs.200000 (As per RBI circular)
LOAN AGAINST GOLD
upto Rs.5000000
up to 12 months
up to 12 months
9.50% P.A.
9.50% P.A.
(Processing Fees 0.50% on sanctioned amount, minimum Rs.200 and maximum Rs.7500 + other charges)
2
HOUSING LOAN - Priority
(As per RBI circular)
HOUSING LOAN - Non-Priority
(As per RBI circular)
up to 240 months
up to 240 months
9.25% P.A.
9.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.140000
3
Home Repair for authorised construction
(As per RBI circular)
Maximum 60 months
11.50% P.A.
Processing fees 1% on sanctioned amount
4
BUILDER FINANCE (As per RBI circular)
upto 60 months
14% P.A.
Processing fees 1% on sanctioned amount or at max Rs. 150000
5
PURCHASE OF SHOP, OFFICE, GODOWN (For personal and rental purpose)
upto 120 months
11.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
6(a)
SANMITRA VASTU UDYOG LOAN SCHEME (Regular)
upto 84 months
11.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
6(b)
SANMITRA VASTU UDYOG LOAN SCHEME (MSME Certificate/SSI Unit)
upto 84 months
11% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
7
SANMITRA IMMOVABLE PROPERTY LOAN
upto 120 months
13% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
8(a)
CASH CREDIT (Regular)
upto 12 months (Renewable)
11.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
8(b)
CASH CREDIT (S.S.I./M.S.M.E.)
upto 12 months (Renewable)
11% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
9
T.O.D. (Cash Credit)
At max 180 days
LOAN INT +2%
Processing fees 1% on sanctioned amount
10
Rent Discounting
Rent agreement or 120 days which is minimum
11% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
11
LOAN FOR EDUCATIONAL INSTITUTE
upto 120 months
12% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
12
EDUCATION LOAN (As per bank circular no. 376 dated 28-12-2022)
As per course period
9% P.A. (upto 5 lakh) - No margin, processing fees 0.25%
9.25% P.A. (above 5 to 20 lakh) - 15% margin, processing fees 0.35%
9.50% P.A. (above 20 to 50 lakh) - 20% margin, processing fees 0.40%
9.75% P.A. (above 50 to 100 lakh) - 20% margin, processing fees 0.50%
13
LOAN TO PROFESSIONAL, SELF EMPLOYED, DOCTOR, ENGINEER. C.A., ADVOCATE etc.
Upto 120 months
11% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
14
SPORT LOAN
Upto 84 months
10% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
15(a)
NEW CAR LOAN FOR PERSONAL USE (Excluding electric vehicle)
up to 36 months (Processing fees 0.25%)
37 to 48 months (Processing fees 0.25%)
49 to 60 months (Processing fees 0.25%)
61 to 84 months (Processing fees 0.25%)
9 % P.A.
9.25% P.A.
9.50% P.A.
10% P.A.
15(b)
USED CAR LOAN (2nd HP) FOR PERSONAL USE (Excluding electric vehicle)
up to 48 months
10% P.A.
Processing fees 0.50% on sanctioned amount
16
VEHICLE LOAN (COMMERCIAL) excluding auto
up to 48 months
48 to 60 months
9.90% P.A.
85% Loan of (Ex-showroom + RTO + Insurance + TCS)
Processing Fees) 0.50% on sanctioned amount
10% P.A.
80% Loan of (Ex-showroom + RTO + Insurance + TCS)
Processing Fees) 0.50% on sanctioned amount
17
NEW MACHINERY LOAN (R.T.O. REGD.)
NEW MACHINERY LOAN (R.T.O. REGD.)
NEW MACHINERY LOAN (R.T.O. NON REGD.)
up to 60 months
up to 60 months
up to 60 months
11% P.A.
(Margin 15%, Processing Fees 0.50%)
10.50% P.A.
(Margin 25%, Processing Fees 0.50%)
11% P.A.
(Margin 25%, Processing Fees 0.50%)
18
FURNITURE LOAN
up to 60 months
12.50% P.A.
Processing fees 1% on sanctioned amount or at max Rs.150000
19
CONSUMER DURABLE LOAN (upto 1 Lakh)
up to 48 months
13% P.A.
Processing fees 1% on sanctioned amount
20
PERSONAL LOAN
up to 60 months
14% P.A.
Processing fees 1% on sanctioned amount
21
ADVANCE AGAINST INSURANCE POLICIES and NSC
13% P.A.
Processing fees 1% on sanctioned amount
22
All DEPOSIT (Cumulative and Non-cumulative deposit) according to bank circular 349 dated 15-7-2022
12 months or end date of receipt period which is minimum
Interest + 1% extra
23
LOAN AGAINST FD (Third Party)
Maturity period
FD Rate + 3%
24
COMMERCIAL VEHICLE LOAN (2nd HP)
JCB and OTHER MACHINERY
POKLANE, EXCAVATOR, CRANE
24 to 48 months
up to 48 months
up to 48 months
11.50% P.A.
11.50% P.A.
11.50% P.A.
25
ELECTRONIC FOUR WHEELER LOAN
up to 36 months
36 to 48 months
48 to 60 months
60 to 84 months
8.75% P.A.
9% P.A.
9.25% P.A.
9.75% P.A.
26
ELECTRIC VEHICLE (Two Wheeler)
36 to 60 months
36 to 60 months
9.50 % P.A. for Female
10 % P.A. for Male
27
3 WHEELER GOODS AND CARRIER SCHEME
up to 36 months
up to 48 months
up to 60 months
10% P.A.
10.25 % P.A.
10.50% P.A.
28
TWO WHEELER LOAN Non-Electric VEHICLE
36 to 60 months
10% P.A. for Male and 9.50% for Female
29
AUTHORISED HAWKERS LOAN
36 to 48 months
14%
30
AGRICULTURE ALLIED
36 to 60 months
11.50%
31
HOUSE WORKERS LOAN
36 Months
14%