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Rate of Interest

Loans (W.E.F. December 01, 2022)

S No. Type of Loan Rate of Interest % p.a.
1. Unsecured loans :
Surety loans, OD against personal surety up-to 5.00 lakhs
12.00% to 14.00%
2. Home Loan 9.00% to 11.00%
3. Vehicle Loans
(Individuals)
8.90%
4. Vehicle Loans
(Commercial & Two Wheeler)
11.00%
5. Gold Loan 11.00%
6. Loan against Property (LAP) 9.50% to 11.50%
7. Cash Credit Limit/Working capital Limit
(Against Stock/Book Debts) Overdraft for Business)
10.00% to 12.00%
8. Purchase / Installation of Plant & Machinery / Acquiring Capital Equipments 12.00%
9. Against Future realizations
(Lease Rent Discounting)
15.00%
10. Loan & Advances Against
NSC/KVP/LIC
9.50%
11. Smart OD/Easy Loan 12.00% to 14.00%
12. For Construction/Acquiring/ Renovations/Additions to Industrial/ Residential/Commercial Property 12.50%
13. Construction Loans Bawana/Bhorgarh/Narela Industrial Unit 11.00%

Deposits (W.E.F. 1st December 2022)

S No. Period of Deposit Rate of Interest % p.a.
1. 30 days to 90 days 4.00%
2. 91 days to 180 days 5.00%
3. 181 days to 1 year 5.50%
4. Above 1 year to 3 years 7.00%
5. Above 3 years 6.50%

An additional 0.50% p.a. interest on the terms deposits of one year and above is being paid to senior citizen. Furthermore, an additional interest of 0.25% over and above the Card Rate will be paid to all the members of the bank on their fresh/ renewed terms deposits with the bank w.e.f 01.09.2022. 

On A/c of premature payment of Term Deposits 1% less (of card rate) will be paid for which the deposit remained with the Bank, and not at the contracted rate. 

Saving Bank Deposit A/c – 3.00%

Subject to change from time to time.