Interest Rates of Various Loan Schemes as on 01/01/2024.

Type of Loan

Current ROI

New ROI

Rebate

Eff. Int Rate

A

INDIVIDUAL LOAN (Scheme Finance)

1

SAVALI (Home Loan/Agri. Home Loan) (For agree housing rebate is not applicable)

Up to Rs.50.00 Lacs

9.50%

10.00%

1.00%

9.00%

Above Rs.50.00 Lacs

9.50%

10.00%

        -  

10.00%

House Repair/Renovation

11.50%

12.50%

1.00%

11.50%

2

PUSHPAK (Vehicle Loan)

2 Wheeler

12.50%

13.00%

1.00%

12.00%

4 Wheeler (Insurance through our bank)

9.50%

10.00%

1.00%

9.00%

4 Wheeler (Insurance other )

10.00%

11.00%

1.00%

10.00%

3

DYANSADHANA (Educational Loan)

10.50%

12.00%

1.00%

11.00%

4

Home Appliance Loan

13.50%

14.00%

-

14.00%

5

Gold Loan

9.00%

9.50%

-

9.50%

6

Tour Loan

13.50%

14.00%

-

14.00%

7

Personal Loan Against Property (PLAP)

12.50%

13.00%

1.00%

12.00%

8

Personal Loan (Unsecured Loan)

16.00%

16.00%

-

16.00%

B

BUSINESS LOAN

Up to Rs.50.00 Lacs

1

Term Loan

10.50%

11.00%

1.00%

10.00%

2

Working Capital Loan

10.50%

11.00%

1.00%

10.00%

3

Business Loan Against Property (BLAP)

12.50%

13.00%

1.00%

12.00%

Above Rs.50.00 Lacs

1

Term Loan

12.50%

13.00%

-

13.00%

2

Working Capital Loan

12.50%

13.00%

-

13.00%

3

Business Loan Against Property (BLAP)

13.50%

13.50%

-

13.50%

4

Unsecured Loan for Professional

Professional Term Loan

12.50%

13.00%

-

13.00%

Professional Overdraft

12.50%

13.00%

-

13.00%

5

Temporary Overdraft (TOD) (For CC/SOD)

ROI +2%

ROI +2%

-

ROI +2%

6

Commercial Vehicle Loan (CVL)

12.50%

13.00%

1.00%

12.00%

7

Micro Finance : SHG, JLG

12.50%

13.00%

-

13.00%

C

Loan for Grain & Other Agri. Goods Merchant

1

Pledge Loan against Warehouse receipts                      (Latur & M.Y.Sangli Branch)

11.50%

11.50%

-

11.50%

2

Pledge Loan against Cashew                                             (Ajara, Gadhingaj, Gargoti branch)

12.00%

12.00%

-

12.00%

3

Pledge Loan against Single Cold storage / Warehouse Receipt (Latur & M.Y.Sangli Branch)

12.50%

12.50%

-

12.50%

4

Secured Overdraft (SOD for commission agent)

12.50%

12.50%

-

12.50%

D

AGRICULTURAL LOAN

1

Crop Loan, Agri. Cash Credit

10.50%

11.00%

-

11.00%

2

Agri. Investment

10.50%

11.00%

-

11.00%

3

Agri. Allied

10.50%

11.00%

-

11.00%

E

OTHER LOANS

1

Other Secured Loan

11.50%

11.50%

-

11.50%

2

Loan against Fixed Deposit (FD rate + following ROI)

Loan Up to Rs.300 Lac

1.00%

1.00%

-

1.00%

Loan More Than Rs.300 Lac Tors.500 Lac

0.75%

0.75%

-

0.75%

Loan Above Rs.500 Lac

0.50%

0.50%

-

0.50%

If FDR is more than one then FDR of highest int. rate should be consider

3

Cheque, DD purchase

16.00%

16.00%

-

16.00%