Changes in the Interest Rate of Advances w.e.f. 12.08.2025 | ||||||||||||||||||||||||||||||||
|
Sr.No. |
Type of Loans |
Interest Rate |
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| 1 | Against Govt. Securities/NSC/KVP/LIP/Relief Bond | 8.25% | ||||||||||||||||||||||||||||||
| 2 | Education Loan | |||||||||||||||||||||||||||||||
| i) | Education Loan 100% or more collateral | 8.50% | ||||||||||||||||||||||||||||||
| ii) | Collateral less than 100% (Maximum unsecured portion should not exceed Rs.5/- Lakh) | 9.50% | ||||||||||||||||||||||||||||||
| 3 | Gold Loan (Overdraft - Floating),(Bullet Payment - Fixed Rate) | 8.50% | ||||||||||||||||||||||||||||||
| 4 | Auto Loan | |||||||||||||||||||||||||||||||
| a) | Car Loan |
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| a) | Two Wheelers(having CIBIL score below < 700> | 10.25% | ||||||||||||||||||||||||||||||
| Two Wheelers (for applicant having CIBIL score > 700) | 9.25% | |||||||||||||||||||||||||||||||
| b) | CNG Rikshaw | 10.25% | ||||||||||||||||||||||||||||||
| c) | Commercial Vehicles | 9.75% | ||||||||||||||||||||||||||||||
| 1) | Commercial Vehicles (Existing Borrowers)**(where existing mortgage is there) | 8.75% | ||||||||||||||||||||||||||||||
| d) | Used Cars (Not more than 3 years old) | 9.75% | ||||||||||||||||||||||||||||||
| 5 | Consumer Durables (Household Goods) | 10.75% | ||||||||||||||||||||||||||||||
| 6 | Doctors Loan | |||||||||||||||||||||||||||||||
| i) | (with 100% or more Collateral Security) | 8.50% | ||||||||||||||||||||||||||||||
| ii) | (without Collateral Security or less than 100% Collateral Security) | 8.90% | ||||||||||||||||||||||||||||||
| 7 | Self Employed/Service Enterprises/Professionals | 8.90% | ||||||||||||||||||||||||||||||
| 8 |
Housing Loan |
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| a) | Housing Loan (All old scheme HBTL sanctioned up to 30.04.2025) Old HBTL Card Rate (Floating Rate)## Interest rate for all kinds of borrowers (woman/man) | 8.25% | ||||||||||||||||||||||||||||||
| b) |
Housing Loan - New Scheme with variable ROI (Floating) linked with Repo Rate. For fresh HBTL only sanctioned on or after 01.01.2026 under code no.347
|
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| c) | Housing Loan (Fixed rate) | 9.00% | ||||||||||||||||||||||||||||||
| 9 | Top-up Loan on Housing Loan | 8.90% | ||||||||||||||||||||||||||||||
| 10 | Housing Rennovation Loan | |||||||||||||||||||||||||||||||
| a) | For Civil Work (Same as applicable to Housing Loan) | 8.25% | ||||||||||||||||||||||||||||||
| b) | For Furniture and Fixtures covered by REM (same as applicable to Housing Top- up Loan) | 9.00% | ||||||||||||||||||||||||||||||
| 11 | Loan for Solar Roof Top-(Industrial & Household Purpose) | 8.75% | ||||||||||||||||||||||||||||||
| 12 | Demat Shares (up to Rs.10/- Lakhs) | 9.25% | ||||||||||||||||||||||||||||||
| 13 | (a) | Loans/Overdrafts to Builders/Contractors against Real Estate (Old Scheme) | 11.00% | |||||||||||||||||||||||||||||
| (b) | Loans/Overdrafts to Builders/Contractors Under CRE (New Scheme Project Loan) | |||||||||||||||||||||||||||||||
| (i) | Without Collateral Security and only against prime security of land | 13.00% | ||||||||||||||||||||||||||||||
| (ii) | With Collateral Security 25% upto 50% of loan value and only against prime security of land | 12.50% | ||||||||||||||||||||||||||||||
| (iii) | With Collateral Security 50% upto 100% of loan value and only against prime security of land |
12.25% | ||||||||||||||||||||||||||||||
| (iv) | With Collateral Security 100% of loan value and only against prime security of land |
12.00% | ||||||||||||||||||||||||||||||
Note :
* conditions Apply
** Borrowers for commercial purposes who have secured loans from existing borrowers of the bank and have provided collateral security. Interest rate of 8.75% will be applicable on purchase of vehicles like Staff bus, Truck, Tractor, Tempo, JCB.
| 14 | Working Capital for Trade & Industry : | |||
| Working Capital Advances | Coll. Sec. Less Than 100% | Coll. Sec.100% or more | ||
| 1 | Working Capital Limit up to Rs.100/- Lakh | 8.95% | 8.45% | |
| 2 | Card Rate (For all unrated accounts having limits Rs.100/- Lakh and more) | 9.7525% | 8.75% | |
| 3 | If Working Capital Limit (Comp. C.C. + Secured C.C.) is for Rs.100/- Lakh and more (with Credit Rating) | |||
| (a) | For Credit Rating “AAA” (more than 80 marks) | 8.25% | ||
| (b) | For Credit Rating “AA” (for marks above 70 and up to 80) | 8.50% | ||
| (c) | For Credit Rating “A” (for marks above 60 and up to 70) | 8.75% | ||
| d) | For Credit Rating “B” (for marks above 50 and up to 60) | 9.00% | ||
| e) | For Credit Rating “C” (for marks up to 50) | 9.50% | ||
| 15 | Secured C.C./OD against immovable property (For unrated accounts) | Limit upto Rs.100/- lakh |
Limit > Rs.100.00 lakh |
|
| (i) | If margin is ≥ 40% | 8.75% | 9.00% | |
| (ii) | If margin is ≥ 30% and < 40> | 9.00% | 9.25% | |
| (iii) | If margin is < 30> | 9.25% | 9.50% | |
| 16 | Bills Discounting under L.C. of prime bank | 8.00% | ||
| 17 | Clean Cash Credit/Overdraft (up to Rs.5/- Lakhs) | 9.75% | ||
| 18 | Hypothecation of Plant and Machinery (Term Loan) | |||
| (i) | More than 100% collateral (For new Sanction only) | 8.50% | ||
| (ii) | More than 75% collateral | 8.90% | ||
| (iii) | More than 50% collateral security up to 75% | 9.25% | ||
| (iv) | Less then 50% collateral | 9.50 | ||
| 19 | (i) | Mortgage Loan with ≥ 40% Margin | 9.00% | |
| (ii) | Mortgage Loan with ≥ 30% and < 40> | 9.25% | ||
| (iii) | Mortgage Loan with < 30> | 9.50% | ||
| 20 | Term Loan for purchase of Office Factory-Land and Shed/ Godown/ Commercial Property-Secured by Coll. Sec. | 8.975% | ||
| 21 | Term Loan (Other Fixtures) | 10.00% | ||
| 22 | Temporary Loan / Ad hoc limit | |||
| (If Collateral Security is less than 80%) | 13.25% | |||
| (If Collateral Security is 80% and above) | 12.25% | |||
| 23 | Excess over sanctioned limit | 13.75% | ||
| 24 | AMCO Jan Kalyan Term Loan / Limit | 12.50% | ||
| 25 | Loan/OD against Deposit | |||
| (a) | Loan/OD/against own deposit | Deposit Rate +1.00% Deposit Rate +2.00% |
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| (b) | Loan/OD/against third party deposit | |||
| 26 | Atmanirbhar Laghu Udhyog Protsahan Scheme (for working capital and machinery term loan) | 10.25% | ||
| 27 | Term Loan for purchase of Shop cum Ware house for Agriculture Allied Activities | 8.25% | ||
| 28 | Lease/Rental Discount (As per LRD policy) | |||
| (i) | If Market value of Collateral Security is 150% | 10.50% | ||
| (ii) | If Market value of Collateral Security is 200% | 10.25% | ||
| (iii) | If Market value of Collateral Security is 250% | 10.00% | ||
| (iv) | If Market value of Collateral Security is 300% | 9.75% | ||
| (v) | In case borrower is MSME | 9.00% | ||
| 29 | AMCO-Khushi Personal Loan | |||
| i) | Applicant having CIBIL score of 750 or above | 9.75% | ||
| ii) | Applicant having CIBIL score above 700 but up to 749 | 10.25% | ||
| iii) | Applicant having CIBIL score above 700 (subject to criteria) | 9.75% | ||
| iv) | Applicant having I.T. return above Rs.10/- Lakh for last 2 F.Y. | 9.75% | ||
# Working capital utilization rebate is withdrawn
