| Account Scheme |
Corporate Customers |
Prime Customers |
Other Customers |
| Working Capital / Cash Credit |
BR+ Up to 7.00% |
| Trust receipt |
BR+ up to 5.00% |
| Short Term Demand Loan |
BR+up to 7.00% |
| Term Loan / Project Finance |
BR+up to 5.00% |
| Working Capital / Cash Credit -Multinational |
BR+up to 5.00% |
| Pre shipment / Post shipment Loan |
BR+up to 7.00% |
For FCY Loan: One Year LIBOR Rate +
1.25% |
| Consortium Lending |
As per Consortium decision |
| Loan Against FDR |
FD Rate + Up to 2.00% |
| Or applicable Base Rate whichever is higher |
| Deprived Sector Lending(MFI,NBFC) |
BR+ Up to 5.00% |
| Deprived Sector Lending( Retail) |
BR+ Up to 5.00% |
| Personal Loan/Overdraft |
BR+ Up to 6.00% |
| SME Loan |
BR+ Up to 5.00% |
| NSBL Saral Karja for MSME |
BR+ Up to 5.00% |
| NSBL Krishak Sathi Karja |
BR+ Up to 5.00% |
| Education Loan |
BR+ up to 6.00% |
| Home Loan |
BR+ up to 6.00% |
| Auto Loan / Hire Purchase Loan |
BR+up to 7.00% |
| Bhu. Puu Loan |
BR+ up to 4.00% |
| Bhu. Puu Plus Loan |
BR+ up to 4.00% |
| Migrant Workers |
BR+ Up to 5.00% |
| Loan against Share / Margin lending |
BR+ Up to 7.00% |
| Loan against Bonds (Govt. & Other) |
BR+ Up to 7.00% |
| Or applicable Base Rate whichever is higher |
| Land Loan / Real Estate Loan |
BR+ Up to 6.00% |
| Gold Loan |
BR+ Up to 7.00% |
| FCY Loans (For Payment of Sight LC) |
Interest rate shall be as per agreement and/or LIBOR plus premium subject to applicable NRB guidelines
|
| Interest Spread Rate (Kartik 2078): 3.21% |
| Base Rate (Kartik 2078): 8.35% |
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