Interest Rates

Interest Rates

LOANS/ADVANCES

Housing Loans

CIBIL SCORE	Loan Limit Up to ₹35L	Loan Limit > ₹35L & up to ₹75L	Loan Limit above ₹75L
Interest Rates on Housing Loans (Floating Rates)
>=825	7.25%	7.35%	7.40%
>=800 & <825	7.35%	7.40%	7.45%
750-799	7.45%	7.50%	7.55%
700-749 -1 / NTC / No Score	7.65%	7.75%	7.85%
650-699	8.75%	8.95%	9.15%
600-649	9.35%	9.55%	9.75%
550-599	9.95%	10.15%	10.35%

CIBIL SCORE	Loan Limit Up to ₹35L	Loan Limit > ₹35L & up to ₹75L	Loan Limit above ₹75L
Interest Rates on Housing Loans (Fixed Rates)
>=825	10.25%	10.35%	10.40%
>=800 & <825	10.35%	10.40%	10.45%
750-799	10.45%	10.50%	10.55%
700-749 -1 / NTC / No Score	10.65%	10.75%	10.85%
650-699	11.75%	11.95%	12.15%
600-649	12.35%	12.55%	12.75%
550-599	12.95%	13.15%	13.35%

Note: The Above rates are W.e.f 29.12.2025

Personal Loan

Sl No.	SEGMENT	Rate of Interest
1	Personal Loans
	With Check off facility	12.50%

KCC

SEGMENT	Revised w.e.f 25.04.16
Kisan Credit Card ( KCC)
Upto Rs.3.00 lakh	7.00%
Above Rs.3.00 lakhs	13.00%
Interest Rate 14.00% after limit expiry( Irrespective of limit)
( ROI is applicable for the first year and up to 14 % will be charged in case of over dues)

*Revised Rate of Interest sanctioned/renewed on or after 14.12.2020

Interest Rate 7.00%* up to 1 year (depends on limit)
Interest Rate 14.00% after limit expiry

Vehicle Loan

As per CIBIL score
Interest rate starts from 9.00 %*
For electric vehicles interest rate starts from 8.90%

Gold Loan

Sl No.	Segment	Interest Rate
1	GOLD LOAN BULLET REPAYMENT	9.75%
Per gram lending rate as per change in market rates
2	OD GOLD	9.75%
Per gram lending rate as per change in market rates

Education Loan

Sl No.	Interest Rate
1	Up to ₹7.50 lakhs interest rate 11.15%
2	Above ₹7.50lakhs interest tate 12.50%

AIF

Interest rate 9.00% p.a.

SHG

Interest starts from 7%*
maximum up to 12.5% depends on loan limit

TBL

Interest rate starts from 10.00%* onwards

Top-up Loan

Interest rate 1% above HL interest rate

ATL

Interest Rate 12.50%

Animal Husbandry, Dairies and Fisheries

Interest rate starts from 7.00%*

Farmer Producer Organization(FPO)

Interest rate starts from 12.50%* onwards

Allied Agriculture Term Loans

Interest rate starts from 10.00%* onwards

PM Surya Ghar: Muft Bijli Yojan

Interest rate 9.00% p.a.

Segment	Revised Rate of Interest sanctioned/renewed on or after 01.12.2017
Mortgage Loans	12.50%

Interest rate 9.00% p.a.

Interest starts from 7%*
maximum up to 12.5% depends on loan limit

Interest rate starts from 10.00%*

Interest rate 1% above HL interest rate

Interest Rate 12.50%

Interest rate starts from 7.00%*

Interest rate starts from 12.50%* onwards

Interest rate starts from 10.00%* onwards

Interest rate 9.00% p.a.