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Advances Interest Rates

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Loan Interest Rates 

Rate of Interest Effective Date : 18-Mar-2025

Product Name Credit Score / Rating From Amount (Rs. In Lakh) To Amount (Rs. In Lakh) ROI  Margin Tenure (M)
Hypo. Cash Credit   0.00001 10 10.5%  40% to 50% 12
  10.01 40 9.95% 40% to 50% 12
  40 1050  10.50% 40% to 50% 12
Book Debt Cash Credit   0.00001 10 10.5%  40% to 50% 12
  10.01 40 9.95% 40% to 50% 12
  40 1050  10.50% 40% to 50% 12
OD against Cash Certi. Deposit       FD Rate + 1% 10%  
 ( Third Party FD )       FD Rate + 2% 10%  
OD Against FD Bulk   above 500    FD Rate + 0.50% 5%  
OD Against FD       FD Rate + 1% 10%  
 ( Third Party FD )       FD Rate + 2% 10%  
OD Against FD Bulk   above 500    FD Rate + 0.50% 5%  
Double Mortgage Cash Credit   25 1050  10.50% 50% 12
OD against Govt. Security   0.00001 1050  8.95% 20% to 50% 36
Secured Overdraft   0.00001 1050  13% 50% of Property Value 12
Machinery Loan   0.00001 40 8.95%  25% 84
  40.0001 1050  9.45% 25% 84
Furniture Fixture Loan   0.00001 10 9.5%  25% 60
Two Wheeler Vehicle Loan Credit Score 751 Above 0.00001 1050  9.95%* 20% of Total Qutation Value 48
  Credit Score 651 Above 0.00001 1050  10.95%* 20% of Total Qutation Value 48
  Credit Score 501 Above 0.00001 1050  11.95%* 20% of Total Qutation Value 48
  Credit Score Up to 501 0.00001 1050  13.00%* 20% of Total Qutation Value 48
Four Wheeler Vehicle Loan (Up To 25 Lac) Credit Rating AAA 0.00001 25 8.25% 20% of Total Qutation Value 60
Credit Rating AA 0.00001 25 8.35% 20% of Total Qutation Value 60
Credit Rating A 0.00001 25 8.50% 20% of Total Qutation Value 60
Credit Rating B+ 0.00001 25 8.75% 20% of Total Qutation Value 60
Credit Rating B 0.00001 25 9.00% 20% of Total Qutation Value 60
Credit Rating C 0.00001 25 9.50% 20% of Total Qutation Value 60
Four Wheeler Vehicle Loan (Above 25 Lac) Credit Rating AAA 0.00001 25 8.50% 20% of Total Qutation Value 60
Credit Rating AA 0.00001 25 8.75% 20% of Total Qutation Value 60
Credit Rating A 0.00001 25 9.00% 20% of Total Qutation Value 60
Credit Rating B+ 0.00001 25 9.25% 20% of Total Qutation Value 60
Credit Rating B 0.00001 25 9.50% 20% of Total Qutation Value 60
Credit Rating C 0.00001 25 10.00% 20% of Total Qutation Value 60
Commercial Vehicle Loan Credit Score 700 Above 0.00001 1050  9.75% 30% of Total Qutation Value 48
  Credit Score 600 Above 0.00001 1050  10.00% 30% of Total Qutation Value 48
  Credit Score Up to 600 0.00001 1050  11.00% 30% of Total Qutation Value 48
Old Vehicle Loan   0.00001 1050  13% 50% of Valuation 36
Unsecured Loan   0.00001 4 15%   60
Secured Loan (WCTL)   0.00001 40 8.95%   25% 120
  40.0001 1050  9.45% 25% 120
Housing Loan (Loan Amount Up to Rs.35 Lac(Total Cost of House Rs-45 Lac or Less) Credit Rating AAA 0.00001 35 8.25 % * 20% 240
Credit Rating AA 0.00001 35 8.50% * 20% 240
Credit Rating A 0.00001 35 8.75% * 20% 240
Credit Rating B+ 0.00001 35 9.00%* 20% 240
Credit Rating B 0.00001 35 9.50%* 20% 240
Credit Rating C 0.00001 35 10.00% 20% 240
Housing Loan (Loan Amount Above Rs.35 Lac And up to Rs. 140 Lac (Total Cost of House above Rs-45 Lac) Credit Rating AAA 35.0001 140 8.50 % * 20% 240
Credit Rating AA 35.0001 140 8.75% * 20% 240
Credit Rating A 35.0001 140 9.00% * 20% 240
Credit Rating B+ 35.0001 140 9.50%* 20% 240
Credit Rating B 35.0001 140 10.00%* 20% 240
Credit Rating C 35.0001 140 10.50% 20% 240
Housing Loan (Home Repair)   0.00001 10 8.95% 30% 120
Commercial Property Purchase Loan (shop/Office/Godown/Shed)   0.00001 40 8.95% 25% 120
  40.0001 1050  9.95% 25% 120
Builder Project Loan   0.00001 1050  13% 50% 50
Loan against Property (LAP)   0.00001 1050  13% 50% 120
Mortgage Loan   0.00001 40 9.95% 50% 120
  40.0001 1050  10.95% 50% 120
Education Loan   0.00001 20 8.45% 25% 60
  20.0001 25 8.95% 25% 60
  25.0001 1050  9.45% 25% 60
Mortgage Personal Loan   0.00001 2 13% 50% 48
  2.0001 5 13% 50% 60
Roof Top Solar Panel Loan   0.00001 10 8.95% 25% 120
Roof Top Solar Panel Loan (Commercial)   0.00001 1050  9.45% 25% 60
Professional Loan   0.00001 40  8.95%  20% 120
  40.0001 1050  9.45% 20% 120
Mahila Utkarsh Yojana   0.00001 1 8.95%   60
Distressed Person Loan   0.00001 1 10.95%   60
Loan Against Govt. Securities   0.00001 1050  8.95% 20% to 50% 120