interestRates15092020.pdf
<!----> |
|
|
Name of Scheme / Sector |
Slab of sanctioned amt. if any |
ROI (% p.a.) w.e.f. 23.01.2023 |
1. AGRICULTURAL
LOANS |
|
|
1.a). Crop Loans* including Kisan Credit Card &
JLG/KCC(AH)/KCC(Fisheries)* (Where NIL
consumption maintenance sanctioned and Interest Subvention is available) |
Up to Rs. 3 Lakh |
7.00 |
Above Rs. 3 Lakh |
12.00 |
|
1.b). Crop Loans* including Kisan Credit Card &
JLG/ KCC(AH)/KCC(Fisheries)* (Where
consumption & maintenance has been sanctioned and Interest Subvention is
available i.e. account is regular and timely rollovered) |
A. For sanction upto Rs. 0.65 Lakh i. Crop Loan component = Rs. 0.50 Lakh @ 7.00% ii. Consumption & Maintenance = Rs. 0.15 lakh @ 11.00% |
7.92 |
B. For Sanction upto Rs. 3.90 Lakh i. Crop Loan
component = Rs. 3.00 Lakh @ 7.00% ii. Consumption & Maintenance = Rs. 0.90 lakh @ 12.00% |
8.15 |
|
C. For Sanction above Rs. 3.90 Lakh |
12.00 |
|
1.c). Crop Loan*/ KCC(AH)/KCC(Fisheries)* (Where subvention
is not available i.e. A/c is overdue/not rollovered)/Converted Term Loan |
Up to Rs. 0.50
Lakh |
11.00 |
Above Rs. 0.50
Lakh |
12.00 |
|
1.d). Tractor and other Agricultural Implements/Agriculture
Mechanization/ Custom Hiring Centre (Sub Mission Controlled by GOI)/ Agri-Junction
(Trained Agriculturist) |
11.00 |
|
1.e). Rural� Godowns/Cold
Storage |
9.85 |
|
1.f). Minor irrigation / Land Development /Agri Land purchase /
Biogas etc. |
11.00 |
|
1.g). Solar Pump Set |
11.00 |
|
1.h). Allied activities: Dairy, Goat
rearing, Piggery, Fishries, Beekeeping, Poultry, Vermi compost, Hatchery,
etc. |
Up to 5.00 Lakh |
11.00 |
Above 5.00 Lakh |
11.00 |
|
1.i). Other schemes Loans against
storage receipts, NLM-EDEG/ACABC (Agriclinic Agribusiness),
Floriculture, Green House, FPO/FPC etc. |
11.00 |
|
1.j). Two wheeler Loan to farmers |
11.00 |
|
1.k). Agri Annapurna Yojna |
10.90 |
|
1.l). Agri Mortgage |
For Reducing Limit |
10.50 |
For non Reducing Limit |
11.00 |
|
1.m). Rural Housing Finance Scheme� (Gramin Awas Rin Yojna) |
Up to 1.00 Lakh |
9.75 |
Above 1.00 Lakh |
10.25 |
|
1.n). SHG � Agri/NRLM- Agri |
For loan�s o/s up to ₹3 lakh |
11.50 |
For loan�s o/s above ₹3 lakh
and up to 5 lakh |
15.00 |
|
For loan�s o/s of above Rs.5 lakh |
12.00 |
|
1. o) Schemes under Watershed and Wadi Projects |
Cost of fund as
on 31.03.2022 is 3.45%. For detail see
circular no. 03/268 dated 14.03.2022. |
Cost of fund + 2% |
.
Name of Scheme / Sector |
Slab of sanctioned amt. if any |
ROI (% p.a.) w.e.f. 23.01.2023 |
2. SSI /MSME
Manufacturing & Service |
|
|
2.a). Term Loan / CC/OD including SRTO |
Up to 0.50 Lakh |
9.00 |
Above 0.50 Lakh
to 10.00 Lakh |
9.75 |
|
Above 10.00 Lakh |
10.25 |
|
2.b). Pradhan Mantri MUDRA Yojna (Cards under
SCC/ACC /GCC/WCC/WECC & Term Loan under Krishak Sathi), Pradhan Mantri
Weaver Mudra Scheme & JLG (SME) |
Up to 0.50 Lakh |
9.00 |
Above 0.50 Lakh |
9.75 |
|
2.c). SHG /
Weavers Group (SME)/NRLM(SME) |
Up to 50,000/-
per capita |
9.00 |
Above 50,000/-
per capita |
9.75 |
|
2.d). C&IC
Advances to entrepreneurs |
|
13.25 |
2.e). DRI |
|
4.00 |
2.f). Mediclinic
Scheme for Medical Practioners |
|
10.75 |
2.g). Emergency
Credit Line under ECLGS |
9.25 |
|
2.h) Working
Capital to Street Vendors under PM SVANidhi Scheme |
Initial sanction
upto Rs. 10000/- (further enhanced to maximum ceiling of Rs. 50000/-) |
9.00 |
2.i) COVID-19
Emergency Working Capital Cir. ref. 01/348
dtd. 26.03.2020 |
Upto Rs. 5.00
Lakh |
9.00 |
Name of Scheme / Sector |
Slab of sanctioned amt. if any |
ROI (% p.a.) w.e.f. 23.01.2023 |
|||||||
3. Retail Loans |
|||||||||
3.a). Housing
Loan Scheme Aryavart Awas
Rin/Pradhan Mantri Awas Yojna (Nagriy) |
|
||||||||
3.b). Aryavart
Top-up Home Loan |
Interest on housing loan + 1% |
||||||||
3.c). General
Education Loan/Padho Pardesh/Scholar Loan Scheme |
Up to 10.00 Lakh |
9.25 |
|||||||
Above Rs. 10.00
Lakh |
9.75 |
||||||||
3.d). Aryavart
Autofin Scheme |
i) For Four
Wheeler
|
||||||||
ii) For Two
Wheeler |
10.00 |
||||||||
3.e). Mortgage OD
/ Loan |
For Reducing
Limit |
10.50 |
|||||||
For Non Reducing
Limit |
11.00 |
||||||||
3.f). Term Loan /
Overdraft / Personal Loan / Annapurna Yojna / Aryavart Suvidha Yojna� / Aryavart Suvidha Savadhi Rin� Yojna |
The
borrowers who have availed home loan from our Bank |
9.40% |
|||||||
For others
|
|||||||||
3.g). Aryavart
Suvidha Savadhi Rin Yojna for Arrange of drinking water and construction /
repair of toilets |
|
11.00 |
|||||||
3.h) Clean OD to
Pensioners of our Bank |
10.10 |
||||||||
3.i). Consumer
Loan To public |
Secured |
12.25 |
|||||||
Unsecured |
13.75 |
||||||||
3j). Solar
Lighting System |
|
11.25 |
|||||||
3.k). Loan for
Branch Premises |
|
12.25 |
|||||||
3.l). Loan to
pensioners/Acharyahit Yojna |
|
10.90 |
|||||||
3.m). COVID-19
Emergency Personal Loan |
For Salaried
Borrowers |
10.75 |
|||||||
For Housing Loan
Borrowers |
9.00 |
||||||||
4. Other Loan |
|||||||||
4.a). Loan against
TDR |
Over the deposit
Rate |
+1.00% |
|||||||
4.b). Third Party
loan against TDR |
Over the
deposit Rate |
+2.00% |
|||||||
4.c). Loan
/overdraft against NSC,KVP,LIC policies |
|
11.50 |
|||||||
ROI under
Target Group Loan Schemes sponsored by NSFDC/NBCFDC/NHFDC/NSKFDC etc. �
����� Suggested ROI will be applicable
on accounts sanctioned under different target group schemes sponsored by
NSFDC/NBCFDC/NHFDC/NSKFDC etc. on following grounds:
i. Scheme
must be in force while sanctioning of the account. Branch Manager should
confirm the continuity of the particular scheme from RO/HO before accepting
& sanction the loan.�
�ii. Accounts sanctioned under the scheme
must be regular & assumed to be fully repaid /closed in allowed repayment
period. If any such account remains overdue / NPA even after completing
allowed repayment period then after allowed repayment period account must be
charged with ROI applicable on similar scheme for general public/borrower.
����� Therefore, Branch Manager to ensure
application of correct ROI in various Target Group Scheme loan accounts.� Auditors also ensure to cross check the same
during audit of Branches.
|
S.No |
Name of Scheme |
Slab/ Other Details |
ROI (%p.a.) w.e.f. 23.01.2023 |
|||||||
|
1. |
Schemes of NSKFDC |
|||||||||
|
A. Employment
to Manual Scavengers (circular
04/038 dated 01.06.2022) |
Up to Rs. 1.00 lakh |
Women� 4% |
Others 5% |
|||||||
|
Above Rs. 1.00 Lakh |
6.00 |
|||||||||
|
B.
Education loan |
|
|
||||||||
|
a)
Study in India |
Upto Rs. 10.00 lakh |
For Boys 4.00 For Girls 3.50 |
||||||||
|
b)
Study at Abroad |
Upto Rs. 20.00
lakh |
|||||||||
|
C. Mahila
Samridhi |
Upto Rs.
1.00 lakh |
4.00 |
||||||||
|
D. Mahila
Adhikarita |
Upto Rs. 2.00
lakh |
5.00 |
||||||||
|
E. Micro
credit scheme |
Upto Rs.
1.00 lakh |
5.00 |
||||||||
|
Upto Rs.
1.00 Lakh per member |
||||||||||
|
F. General
Term loan scheme |
Upto Rs. 15.00
lakh |
6.00 |
||||||||
|
G.
Scheme for �pay and use� community toilets |
Upto Rs.
25.00 Lakhs |
4.00 |
||||||||
|
H.
Scheme for procurement of sanitation related vehicles. |
Upto Rs.50.00 lacs
(Municipal Corporation/ Jal Board, Public Health & Engineering Dep.,
Cantonment Boards and SHG/JRG/Cooperative etc.) Upto Rs. 10.00
lacs for individual. |
4.00 |
||||||||
|
I.
Sanitary Marts Scheme |
Upto Rs. 15.00
Lakh |
4.00 |
||||||||
|
J. Green
Business Scheme |
Upto Rs. 2.00 lakh |
4.00 |
||||||||
|
K.
Vocational Education and Training Loan Scheme |
Upto Rs. 4.00 Lakh
|
For Men 4.00 For women 3.50 |
||||||||
|
2. |
Schemes
of NSFDC |
|||||||||
|
A. Term loan scheme |
|
|||||||||
|
Up
to Rs. 5.00 Lakh |
6.00 |
|||||||||
|
Above
Rs. 5.00 Lakh up to 10 Lakh |
8.00 |
|||||||||
|
Above
10 Lakh up to 20 Lakh |
9.00 |
|||||||||
|
Above
20 Lakh up to 45 Lakh |
10.00 |
|||||||||
|
B) Micro
Credit Finance Scheme upto Rs. 1.40 Lakh |
5.00 |
|||||||||
|
C) Mahila
Samridhi Scheme Rs. 1.40 Lakh |
4.00 |
|||||||||
|
D)
Education Loan |
|
|||||||||
|
Study in India |
Upto
Rs. 20.00 lakh |
For Men 4.00 For women 3.50 |
||||||||
|
Study at Abroad |
Upto
Rs. 30.00 lakh |
|||||||||
|
E) Laghu
Vyavsay Yojna |
Upto
Rs. 5.00 lakh |
6.00 |
||||||||
|
F) Green
Business Scheme |
Upto
Rs. 6.75 Lakh |
4.00 |
||||||||
|
Above
Rs. 6.75 Lakh & upto Rs. 13.50 lakh |
6.00 |
|||||||||
|
Above
Rs. 13.50 Lakh&upto Rs. 27.00 Lakh |
7.00 |
|||||||||
|
3. |
Schemes
of NBCFDC |
|||||||||
|
I). General
Loan Scheme |
|
|||||||||
|
A) Upto Rs. 5.00 Lakh |
6.00 |
|||||||||
|
B)
Above Rs. 5.00 Lakh and upto Rs. 10.00 Lakh |
7.00 |
|||||||||
|
C)
Above Rs. 10.00 Lakh and upto Rs. 15.00 Lakh |
8.00 |
|||||||||
|
Ii). New
Swarnima for women upto Rs. 2.00 lakh |
5.00 |
|||||||||
|
Iii).
Micro Finance scheme |
5.00 |
|||||||||
|
Iv).
Mahila Samridhi Yojna |
4.00 |
|||||||||
|
V). Education loan |
|
|||||||||
|
Study in India |
Upto Rs. 15.00 lakh |
For boys 4.00% For girls 3.50% |
||||||||
|
Study at Abroad |
Upto Rs. 20.00
lakh |
|||||||||
|
VI). Small
Loan for individual |
6.00 |
|||||||||
4. |
Schemes of NHFDC |
|
|||||||||
A) Divyangjan
Swawalamban scheme |
|
||||||||||
Upto Rs. 0.50
Lakh** |
5.00 |
|
|||||||||
Above
Rs. 0.50 Lakh upto Rs. 5.00 Lakh |
6.00 |
|
|||||||||
Above
Rs. 5.00 Lakh upto Rs. 15.00 Lakh |
7.00 |
|
|||||||||
Above
Rs. 15.00 Lakh upto Rs. 30.00 Lakh |
8.00 |
|
|||||||||
Above
Rs. 30.00 Lakh upto Rs. 50.00 Lakh |
9.00 |
|
|||||||||
** Rebate : A rebate of 1% in interest will be allowed to
women with disabilities/ persons with disabilities other than OH in self
employment loans of upto Rs.50,000/- .
Notes:
Concessions if any proposed over above mentioned ROI to female borrowers or any
other category or case will be available & applicable as suggested in the
scheme circular.
<!--Dm9166-->