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| S. No. | Type of Loan Products/Schemes | ROI on Loans & Advances | ||
| AGRICULTURE SEGMENT LOANS | ||||
| (i) | Kisan Credit Card And Animal Husbandry and Fisheries | Upto Rs. 50000/- | 12.00% | |
| Above Rs. 50000/- & upto Rs. 2.00 lacs | 13.00% | |||
| Above Rs. 2.00 lacs & upto Rs. 10.00 lacs | 13.70% | |||
| Above Rs. 10.00 lacs | 12.50% | |||
| Note | 7 % for KCC limits upto Rs. 3.00 lacs & for greater limits interest will be charged as per bank’s norms | |||
| (ii) | For Loan againts Warehouse Receipt-Demand Loan for 12 months (*Interest Rate to be charged on yearly basis excluding Collatral Management Agency (CMA) charge | For WCDL Upto 6 Months: 8.90%, Above 6 Months upto 12 Months: 9.20% For CC : 9.45% |
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| (iii) | Medium/Long term Loans (Including Allied activitied) | Upto Rs. 5 Lac | 11.50% | |
| Above Rs. 5 Lac | 12.00% | |||
| (iv) | Farm Mechanisation (Other Agricultural implements) | Upto Rs. 5 lac/- | 11.50% | |
| Above Rs. 5 Lac/- | 12.00% | |||
| (v) | Tractor Loan Scheme | 11.50% | ||
| (vi) | Krishak Vahan | |||
| (a) | Two Wheeler | For loan amount upto Rs. 2.00 lacs, For loan amount greater than Rs. 2.00 lacs & upto Rs. 25.00 lacs | 12.50% | |
| (b) | Four-Wheeler/Jeep/Multiutility | 11.00% | ||
| (vii) | Loan For Custom hiring Center, Agri-Clinic and Agri-Business Center | Term Loan upto Rs. 2.00 lacs | 11.45% | |
| Term Loan Above Rs. 2.00 lacs | 11.90% | |||
| For Cash Credit Limit | 10.85% | |||
| (viii) | Loan for Farmer Producer Organisations (FPOs) | Term Loan upto Rs. 2.00 lacs | 10.45% | |
| Term Loan Above Rs. 2.00 lacs | 10.90% | |||
| For Cash Credit Limit | 10.85% | |||
| For Loan against warehouse Receipt (int rate to be charged on yearly basis, excluding Collateral Managemen Agency (CMA Change) | 9.85% | |||
| (ix) | Krishak Mitrra Yojana (Debt Swap Scheme) | 12.95% | ||
| (x) | PM KUSUM YOJNA | Upto Rs 50.00 Lacs | 10.50% | |
| (xi) | Scheme for Financing to units engaged in Food and Agro Processing Activities | Upto Rs 50.00 Lacs | 10.50% | |
| (xii) | Saral Krishi Yojna | Term loan | 12.20% | |
| Overdraft | 13.20% | |||
| (xiii) | Agri-Enterprises Loan (AEL) | Upto Rs 50.00 Lacs | 10.50% | |
| (xiv) | Asset Backed Agri Loan | 9.50% | ||
| (xv) | Agri Gold Loan | 9.00% | ||
| (xvi) | Kisan Svavlamban Scheme | 11.50% | ||
| (xvii) | Agri Infrastructure Fund | Upto Rs. 200.00 Lacs | 9.00% | |
| Above Rs. 200.00 Lacs | 10.50% | |||
| (xviii) | PMFME | Upto Rs. 50.00 Lacs | 10.50% | |
| (xix) | TL-JLG | 11.00% | ||
| (xx) | SHG-NRLM | Upto Rs. 3.00 Lacs | 7.00% | |
| Above Rs. 3.00 lacs and upto Rs.5.00 Lacs | 10.00% | |||
| Above Rs. 5.00 lacs | 12.50% | |||
| (xxi) | SHG | 12.50% | ||
| PERSONAL SEGMENT LOANS | ||||
| (i) | Home Loan Schemes | SLAB (CIBIL SCORE WISE) | RATE | |
| >=800 | 8.20% | |||
| 750-799 | 8.30% | |||
| 700-749 | 8.40% | |||
| 650-699 & -1 | 8.50% | |||
| Less than 650 | 8.75% | |||
| Note 01 | A Premium of 0.10% will be added to the Card rate for Loan up to Rs. 30 Lacs if LTV ratio is >80% & <=90% in above Mentioned home loan Category. | |||
| Note 02 | 0.10 % Concession will be available to woman in above Mentioned home loan Category. | |||
| REALTY HOME LOAN | SLAB (CIBIL SCORE WISE) | REVISED RATE | ||
| >=800 | 8.80% | |||
| 750-799 | 8.85% | |||
| 700-749 | 9.00% | |||
| 650-699 & -1 | 9.15% | |||
| Less than 650 | 9.25% | |||
| HOME TOP-UP LOAN | SLAB (CIBIL SCORE WISE) | REVISED RATE | ||
| >=800 | 8.40% | |||
| 750-799 | 8.50% | |||
| 700-749 | 8.60% | |||
| 650-699 & -1 | 8.70% | |||
| Less than 650 | 8.85% | |||
| OD-MAXGAIN | SLAB (CIBIL SCORE WISE) | REVISED RATE | ||
| >=800 | 8.65% | |||
| 750-799 | 8.75% | |||
| 700-749 | 8.90% | |||
| 650-699 & -1 | 9.05% | |||
| 9.6 | 9.25% | |||
| Note 01 | A Premium of 0.10% will be added to the Card rate for Loan up to Rs. 30 Lacs if LTV ratio is >80% & <=90% in above Mentioned home loan Category. | |||
| Note 02 | 0.10 % Concession will be available to woman in above Mentioned home loan Category. | |||
| (ii) | Car Loan Schemes | RGB Car Loan | If CIBIL Score 750 And Above | 8.70% |
| If CIBIL Score 650 and above but less than 750 and -1 | 9.20% | |||
| If CIBIL Score less than 650 | 9.60% | |||
| Loyalty Car Loan | 0.10% less than from RGB Car Loan shceme for all category. | |||
| Green Car Loan | 0.25% less than from RGB Car Loan shceme for all category. | |||
| Used Car | 11% to 14.50% | |||
| (iii) | Personal Loan | RGB Salary Plus Scheme | If CIBIL Score 750 And Above | 11.50% |
| 650-749 & -1 | 12.00% | |||
| Less than 650 | 12.40% | |||
| Note 01 | 0.50 % Concession will be available if loan amount is 10 Lacs or above in RGB Salary Plus Scheme | |||
| (iv) | MORTGAGE LOAN | SLAB (CIBIL SCORE WISE) | REVISED RATE | |
| >=800 | 10.00% | |||
| 750-799 | 10.10% | |||
| 700-749 | 10.20% | |||
| 650-699 & -1 | 10.30% | |||
| Less than 650 | 10.40% | |||
| (v) | Education Loan | 9.30% | ||
| Note 01 | 0.50 % Concession will be available to Girl Student in Education Loan. | |||
| (vi) | RGB SURYA GHAR for solar Roof Top | Upto Rs 2.00 Lacs | 7.00% | |
| Above Rs 2.00 Lacs upto Rs 6.00 Lacs | 9.00% | |||
| (vii) | Demand Loans /Overdrafts against Bank’s own deposits | 1.00% over the rate paid on the time deposit offered as security irrespective of the loan amount (including loans to third party, Deposits standing in the name of either singly or jointly, Trust, Institutions, Corporations etc.) | ||
| (viii) | Personal Gold Loan | 9.00% | ||
| (ix) | High Value Super-Bike Loan | 750 and Above | 12.50% | |
| 650-749 & -1 | 14.00% | |||
| Less than 650 | 20.00% | |||
| (ix) | Two Wheeler | 750 and Above | 16.00% | |
| 650-749 & -1 | 17.00% | |||
| Less than 650 | 17.50% | |||
| Common-Note. | 0.10 % Concession will be available to all salaried employees of Central/State government, Quasi-Government bodies, Central/State PSUs having salary account in our bank in abovementioned Personal-segment loans | |||
| SME SEGMENT LOANS | ||||
| (i) | SME Saral Loan | (Up to Rs. 50.00 Lacs) | Term Loan/Cash Credit | 10.50% |
| (ii) | SME Connect scheme | Term Loan/Cash Credit | 10.50% | |
| (iii) | SIB Bandhak | Term Loan/Cash Credit | 10.50% | |
| (iv) | Asset Backed Loan/Saral | Term Loan/Cash Credit/Dropline OD/OD | 10.50% | |
| (v) | MSME Loan/Business Loan/Other income generating Activities including SRWTO, SEP, Retail Trade | Term Loan/Cash Credit | 11.50% | |
| (vi) | Asset Backed Loans - RH | 11.20% | ||
| (vii) | Builder Finace for Residential Housing (up to Rs 50.00 Lacs) | 12.00% | ||
| (viii) | Fleet Finace Scheme | 9.60% | ||
| (ix) | RGB Rent Plus/Loan Against fulture Rent Recvievables | Loan Up to 3 Years | 11.00% | |
| Loan Above 3 Years To Upto 7 Years | 11.50% | |||
| Loan Above 7 Years To Upto 10 Years | 12.00% | |||
| (x) | Textile Plus | Up to Rs. 50.00 Lacs | 9.90% | |
| (xi) | Marble Plus /Area Specific Scheme for Marble, Granite, Sand, Red, Kota Stone Processing Unit. | Up to Rs. 50.00 Lacs | 9.90% | |
| (xii) | SME Smart Score, Package of Program (POP), Weavers Credit Card, Professional & Self Employee, Rural Artisan, SGSY, KVIC, General Credit Card, NULM Individual, BRSY | Up to Rs. 50.00 Lacs | 11.50% | |
| (xiii) | PMMY, ARTISAN CREDIT CARD SCHEME, SULABH VYAPAR YOJNA, SIMPLIFIED SMALL BUSINESS LOAN, SHOPEE LOAN, SWAROJGAR CREDIT CARD SCHEME, PMEGP, SVAYAM SIDDHA | 11.50% | ||
| (xiv) | Doctor-Plus | Up to 50.00 lacs | 10.30% | |
| (xv) | Laghu Udhyami Credit Card, Sulabh Laghu Udhyog Yojana | 12.50% | ||
| (xvi) | Vidyut Auto Loan | Up to Rs 2.00 lacs | 11.20% | |
| Above 2.00 lacs & up to 25.00 lacs | 11.70% | |||
| (xvii) | Mukhyamantri Swavlamban Scheme | 10.50% | ||
| (xviii) | CC-JLG-BC | 14.00% | ||
| (xix) | Farm Equipments Manufacturer | 9.90% | ||
| (xx) | PM KUSUM,Food and Agro Processing Activities, AEL, MSME Loans (More than Rs. 50.00 Lacs) (Scheme- SME Saral Loan, SME Connect scheme, SIB Bandhak, Marble Plus, Textile Plus, Asset Backed Loan & Asset Backed loan- RH and, Doctor-Plus, Other MSME loans,BRUPY,Builder Finance for residential Housing, Fleet Finance Scheme, Loan Scheme for Financing etc.) | Minimum 8.90% * | ||
| (xxi) | PM KUSUM under Agri Enterprises Loan scheme | 8.90% * | ||
| (xxii) | SME Gold Loan | Demand Loan | 9.00% | |
| (xxiii) | Warehouse Receipt Finance (WHR) | a) Under tie-up for WCDL/RDL | ||
| i) Upto 6 Months | 8.90% | |||
| ii) Above 6 months and upto 12 months | 9.20% | |||
| For Cash Credit:- upto 12 months | 9.45% | |||
| b) Without any tie-up of collateral Manager but with CWC/SWC only- For WCDL/RDL:- | ||||
| i) Upto 6 Months | 10.65% | |||
| ii) Above 6 months and upto 12 months | 10.95% | |||
| For Cash Credit:- upto 12 months | 11.20% | |||
| (xxiv) | SME Car Loan/Corporate (New Car) | 9.60% | ||
| (xxv) | PM-Vishwakarma | 5.00% | ||
| (xxvi) | GST Plus Loan Scheme | 10.50% | ||
| (xxvii) | Commercial Vehicle Loan | 9.60% | ||
| (xxviii) | Bhimrao Ambedkar Dalit Adivasi Udyami Protsahan Yojna 2022 (BRUPY) | Upto Rs. 50.00 Lacs | 10.50% | |
| * Term and Conditions apply. | ||||
| Interest Rate applicable on Saving Account including NRO Account | ||||
| Sr. No. | Balance in Account (on Daily Basis) | Rate for Interest | ||
| 1 | Upto Rs 1.00 Lacs | 2.65 | ||
| 2 | More than Rs 1.00 Lacs | 2.70 | ||
| Interest rate: Retail term deposits including NRO Account(less than Rs. 1 Crore) | ||||
| Tenor | Rate for public | Rate for senior Citizen(*) | ||
| 7 days to 45 days | 3.00 | 3.00 | ||
| 46 days to 179 days | 4.50 | 4.50 | ||
| 180 days to less than 1 year | 6.05 | 6.05 | ||
| 1 year | 6.90 | 7.40 | ||
| More than 1 year to less than 3 year | 7.10 | 7.60 | ||
| 3 years to less than 5 year | 6.85 | 7.35 | ||
| 5 years and upto 10 years | 6.60 | 7.10 | ||
| (*) Senior citizen benefit will be payable only for deposit for tenor of 1 year and above | ||||
| Interest rate: Bulk term deposits including NRO Account (Rs. 1 crore and above) | ||||
| Tenor | Rate for public | Rate for senior Citizen(*) | ||
| 7 days to 45 days | 4.75 | 4.75 | ||
| 46 days to 179 days | 5.50 | 5.50 | ||
| 180 days to 1 year | 7.00 | 7.50 | ||
| 1 year | 7.00 | 7.50 | ||
| More than 1 year to less than 3 year | 6.90 | 7.40 | ||
| 3 years to less than 5 year | 6.35 | 6.85 | ||
| 5 years and upto 10 years | 6.10 | 6.60 | ||
| (*) Senior citizen benefit will be payable only for deposit for tenor of 1 year and above | ||||
| Interest rate applicable on NRE Deposit | ||||
| Tenor | Rate | |||
| 1 Year | 6.90 | |||
| More than 1 Year to Less than 3 Year | 7.10 | |||
| More than 3 Year to Less than 5 Year | 6.85 | |||
| More than 5 Year to Less than 10 Year | 6.60 | |||
| 1 | abc | 150 | 2000 |
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