Sr No. Type of loan Rate of Interest Effective From Date (01/05/2013)
1 Short term agricultural (K.C.C) loan
a. Up to Rs 3.00 lakh(PACS) 5.50%
b. Up to Rs 3.00 lakh (Individual) 7.00%
c. Above Rs 3.00 lakh (PACS) 10.00%
d. Above Rs 3.00 lakh (Individual) 11.00%
2. Revolving Agricultural Consumption Cash Credit (PACS) 12.00%
Revolving Agricultural Consumption Cash Credit to Individual 13.00%
3. Medium Term Small Scale Industries Loan 16.00%
4. I.R.D.P Loan, S.G.S.Y Loan & Bajpayee Swarojgar Loan 12.50%
5. Loan to Self Help Group(S.H.G)
a. Loan Direct to Group 10.50%
b. Loan to Co-Operative Institution, Loans through NGO 11.00%
6. Marketing Cash Credit
a. To - Borrower 11.00%
b. To - Non Borrower 12.50%
7. Cash Credit to Sugar Factory
a. Sugar Pledge Cash Credit 10.00%
b. Buffer Stock Cash Credit 12.00%
c. Excise Cash Credit 12.00%
d. Store Stock Cash Credit 12.00%
8. Medium Term Agriculture Loan
a. Drip Irrigation, Sprinkler, Pipeline, Oil Engine, Dairy Development & Land Development 11.50%
b. Rural Housing & Schematic Loan under Non Farm Sector 12.00%
c. Tractor ,Trailor, Thressor, Agroclenic, Coldstorage, Rural Godown 12.00%
9. Hypothecation Cash Credit for Commodities other than Directives (PACS & Individual) 11.00%
10. Clean Cash Credit / Working Capital Cash Credit for (PACS & Individual)
a. Up to Rs 2.00 lakh 12.00%
b. Above Rs 2.00 lakh 12.50%
11. Medium Term Non - Agriculture Loan for (PACS & Individual) (Jeep - Tempo,Two wheeler & Swa - Rojgar) 12.00%
12. Housing Loan 12.00%
13. Loan Against Gold and Silver 11.00%
14. Loan against NSC & Kisan Vikas Patra 12.00%