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Interest Rates

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Latest rate of Interest offered by bank from 01/04/2025

Rate of Interest Senior Citizen
Saving deposit 2.75% 2.75%
30-45 days 3.25% 3.25%
46-179 days 4.75% 4.75%
180 days and above Less then 1 Year 5.75% 5.75%
1 year and above but within 2 years 7.25% 7.75%
2 year and above but within 3 years 7.25% 7.75%
3 year and above but within 4 years 7.25% 7.75%
4 year and above but within 5 years 7.00% 7.50%
5 Year 7.00% 7.50%
Senior citizen - 0.50% more for 1 year and above tenure

Rate of Advances

Rate of Interest
PERSONAL LOAN 16%
PROPERTY MORTGAGE LOAN 11.50%
HOUSING LOAN 9.85%
VECHICLE LOAN(TWO WHEELER) 10.50%
CAR LOAN 9.85%
GOLD LOAN 11%
LIC/NSC/KVP LOAN 10.50%
CC/HP/Term LOAN 10.50%
PLAN MACHINARY LOAN 10.50%
COMMERCIAL VEHICLE 11%
CUM LOAN 11%
EDUCATION LOAN 9.85%
BUSINESS LOAN WITHOUT MORTGAGE 12%
BANK FDR LOAN 1% more
SOLAR ENERGY LOAN 10%
TERM LOAN FOR BUSINESS UPTO RS 200,000/- WITHOUT MORTGAGE 13%
OLD CAR LOAN FROM 1/5/24 13%
FOD/FDL OVERDRAFT LOAN FIX+1%

CIBIL SCORE LOADING

Rate of Interest
SCORE 800 & MORE NIL
SCORE 700 TO 799 BETWEEN RATE +0.50%
SCORE 600 TO 699 BETWEEN RATE + 1%
SCORE 500 TO 599 BETWEEN RATE +1.5%
LESS THAN 499 RATE + 2%

RECURRING DEPOSITS

Rate of Interest Senior Citizen
12 MONTHS 7.25% 7.25%
24 MONTHS 7.25% 7.25%
36 MONTHS 7.25% 7.25%
48 MONTHS 7.00% 7.00%
60 MONTHS 7.00% 7.00%

SUBHLAXMI DEPOSITS

Rate of Interest Senior Citizen
12 MONTHS 7.25% 7.75%
24 MONTHS 7.25% 7.75%
36 MONTHS 7.25% 7.75%
48 MONTHS 7.00% 7.50%
60 MONTHS 7.00% 7.50%
SENIOR CITIZEN - 0.50% more