| 1 |
Gold Loan : Up to Rs. 2 Lac (Under Bullet Loan Scheme) |
9.00% |
| 2 |
Personal Loan |
12.00% |
| 3 |
Term Loan |
|
|
(A) Term Loan for Any Purpose |
9.00% |
|
(B) Working Capital Term Loan (Against Second Hand Powerlooms) [W.E.F. 01/01/2024] |
10.25% |
| 4 |
Vehicle Loan |
|
|
(A) Two Wheeler & Four Wheeler (For Personal Use Only) |
8.00% |
|
(B) Vehicle Loan (For Commercial Use Only) |
8.00% |
| 5 |
Solar Loan (Residential / Industrial / Captive Use) |
|
|
(A) For Existing Customers |
8.50% |
|
(B) For New Customers |
9.00% |
| 6 |
Loan to Professional Self Employed (Doctors, Lawyers, CA, Engineers) |
8.50% |
| 7 |
Over Draft Against Fixed Deposits |
FDs Rate |
|
OD against FD below Rs.1.00 Crore (Own FD) |
+1.00% |
|
OD against FD below Rs.1.00 Crore (Third Party) |
+2.00% |
|
OD against FD above Rs.1.00 Crore (Own FD) |
+0.50% |
|
OD against FD above Rs.1.00 Crore (Third Party) |
+2.00% |
| 8 |
Loan Against Fixed Deposits |
|
|
Loan against FD below Rs.1.00 Crore (Own FD) |
+0.50% |
|
Loan against FD below Rs.1.00 Crore (Third Party) |
+2.00% |
|
Loan against FD above Rs.1.00 Crore (Own FD) |
— |
|
Loan against FD above Rs.1.00 Crore (Third Party) |
— |
| 9 |
Loan Against NSC / KVP / UTI / RBI Bond |
|
|
NSC/KVP (80%) & Non-Cumulative UTI/RBI Bond (70%) |
10.50% |
|
Third Party NSC / KVP (Special Case) |
12.50% |
| 10 |
Cash Credit (Against Paid Stock & Book Debts up to 90 Days) |
9.50% |
| 11 |
Housing Loan (Maximum Period 20 Years) |
|
|
Up to 15 Years |
8.50% |
|
Above 15 Years to 20 Years |
9.00% |
| 12 |
Loan Against Property Mortgage (Industrial Shed) |
13.00% |
| 13 |
Composite Term Loan – Manufacturing Unit (Industrial Shed Mortgaged) |
10.50% |
| 14 |
Property Overdraft (Dropline OD) – Traders & Mfg. |
10.75% |
| 15 |
Sarvodaya Vyapar Mitra Dhiran Yojana |
10.00% |
| 16 |
Sarvodaya Business Secured Loan (SBSL) |
|
|
(A) Against Residential Property |
10.00% |
|
(B) Against Commercial / Industrial Property |
11.00% |
| 17 |
Sarvodaya Green Energy Scheme (Max Rs.5.00 Crore – W.E.F 07/01/2026) |
9.00% |
| 18 |
Education Loan (Max Rs.50.00 Lac – W.E.F 07/01/2026) |
|
|
(A) 100% Liquid Security |
9.00% |
|
(B) Against Residential Property |
9.50% |
|
(C) Against Commercial Property |
10.00% |
| 19 |
Shreenidhi Gold Loan Scheme (Max Rs.25.00 Lac – W.E.F 07/01/2026) |
9.75% |
