CURRENT RATE OF INTEREST ON DEPOSITS
Maturity Bucket Existing Rate Revised Rate
SL No Tenure For General Senior Citizen For General Senior Citizen
1 07-14 days 3.8 3.8 3.60 3.60
2 15-29 days 3.85 3.85 3.60 3.60
3 30-45 days 4.3 4.3 4.2 4.2
4 46-90 days 4.5 4.5 4.5 4.5
5 91-180 days 5.25 5.25 4.75 4.75
6 181-364 days 5.75 5.75 6.05 6.05
7 1 Year 7.25 7.75 7.10 7.60
8 555 Days High Income Deposit Scheme 7.00 7.8 7.00 7.8
9 Above 1 year to less than 3 years 7.1 7.45 7.00 7.25
10 3 year to less than 5 years 7 7.35 6.90 7.00
11 5 year to 10 years 6.7 7 6.50 6.80
SL No Tenure Existing Rate Revised Rate
1 Reserve Fund, Bad Debt Fund, Agriculture Credit Stabilisation Fund of societies 7.7 7.7
Existing Rate Revised Rate
SL No Tenure For General Senior Citizen For General Senior Citizen
1 For MIS 1 year 7.05 7.6 7.10 7.6
2 For MIS 1 Year Less than 3 Years 7.05 7.6 7.00 7.25
3 For MIS 3 years to 5 years 6.90 7.4 6.90 7.00
Senior Citizen special MIS Scheme
Interest payment Minimum and maximum deposit amount
Individuals who open a Senior Citizen special MIS Scheme account get an interest on the principal deposited amount at the rate fixed by the bank. They will receive a monthly interest against their deposited amount. Interest payment will be credited to an individual’s account on the due date. The minimum deposit is Rs.50000/- and there is no maximum limit. The deposits can be made in the multiples of Rs.1,000.
Maturity of the scheme Premature closure
The maturity period of SCSS is 5 years. However, individuals can extend the maturity period for 3 more years by submitting an application. Individuals can not withdraw the amount before three years of opening the account. A normal penalty imposes if closed after three years but within five years of opening it.
Interest Rate The current interest rate applicable to the Scheme is 8.05% p.a.
NB:
1. if any customer invest 555 days' "High Income Deposit Scheme", but subsequently opts to premature his/her investments savings rate will be levied in such cases. No extra interest percentage will be endowed to present staff ,retired staff and societies. Interest calculation on Investments in this particular scheme will be simple and not compounding
2. Investment Under the double benefit scheme will be locked for 3 years. Before completion of 3 years if any customer opts to premature any such investments his/her investments shall attract savings rate of interest. After completion of three years if any customer opts to premature his/her investments then his/her investments shall attract prematurity condition of that year.
3. No extra interest percentage will be endowed to retired staff and societies. (Senior Citizen special MIS Scheme)

Savings Account Interest Rate

Type Existing Rate Revised Rate
General Public 3.5 3.5
Senior Citizen 4 4

Savings Account Interest Rate

Account Type Rate p.a
Domestic and Non-Resident Rupee Savings Bank Account
a. Daily Balance up to ₹1 lakh 3.5%/4%
b. Daily Balance above ₹1 lakh to ₹10 lakh 5.00%
c. Daily Balance above ₹10 lakh 6.00%

CURRENT RATE OF INTEREST ON LOAN

LOAN TYPE Salary Earner Salary Earner with other Bank Non Salary Earnere
CIC SCORE 800-900 780-799 650-779 below 650 800-900 780-799 650-779 below 650 800-900 780-799 700-779 below 700
HBL/Purchase(Floating) 8.10 8.20 8.40 8.70 8.20 8.40 8.70 N.A. 8.40 8.70 9.00 N.A.
HBL(Fixed) 9.60 9.70 9.90 10.20 9.70 9.90 10.20 N.A. 9.90 10.20 10.50 N.A.
HBL (TOP UP)‑Floating 8.60 8.70 8.90 9.20 8.70 8.90 9.20 N.A. 8.90 9.20 9.50 N.A.
HRL 10.70 10.80 11.00 11.30 10.80 11.00 11.30 N.A. 11.00 11.30 11.60 N.A.
Land Purchase 10.10 10.20 10.40 10.70 10.20 10.40 10.70 N.A. 10.40 10.70 11.00 N.A.
LAP (Loan Against Property) 7.90 8.00 8.20 8.50 8.00 8.20 8.50 N.A. 8.50 8.50 8.80 N.A.
Business Term Loan N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. 11.40 11.40 11.90 N.A.
Vehicle Loan 8.00 8.00 8.00 8.40 8.20 8.20 8.50 N.A. 8.30 8.30 8.60 N.A.
Two Wheeler Loan 9.10 9.10 9.10 9.40 9.30 9.30 9.60 N.A. 9.30 9.30 9.60 N.A.
Soft Loan 13.00 13.00 13.50 N.A.
Loan Against DDS Customer N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. 12.50 12.50 12.50 12.50
LOAN to DDS AGENT 12.00 12.00 12.50 N.A.
CC LOAN/OD Loan N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A. Upto 40.00 LAKH 9.20 , 40 Lakh to 100 Lakh 8.90 & above 1.00 crore 8.60,CIC score below 650 is not applicable
OD LOAN 11.00 11.00 11.00 11.00
NSC/KVP/LIC (100% Security) 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00 10.00
LAD (Loan Against Deposit) Maximum 90% of the surrender value of the deposit, margin 2%
LAD to Daily Depositor Maximum 90% of the surrender value of the deposit @11.50%
Loan to Super 60 Loan to Senior Citizen against their deposit at 0.95% margin subject to maximum 90% of the surrender value of the deposit.
ECCS LOAN 10.50% -society should be net profit in three consecutive year,no NPA loans,upto date audit, other wise 11.00%
Festival Loan 11.00 11.00 11.00 11.00 N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A.
GOVT.SUBSIDIES LOAN (BSKP/PMEGP ETC) 14.00 N.A.
TATKAL/INSTA LOAN 12.50
GOLD LOAN 9.50 9.50 9.50
LOAN TYPE Salary Earner Salary Earner with other Bank Non Salary Earnere
CIC SCORE 800-900 780-799 700-779 below 700 800-900 780-799 700-779 below 700 800-900 780-799 700-779 below 700
Personal 10.60 11.10 11.60 12.10 11.10 11.60 12.10 N.A. 11.60 12.10 12.60 N.A.
Personal (with 5% Collateral) 10.55 11.05 11.55 12.05 N.A. N.A. N.A. N.A. N.A. N.A. N.A. N.A.
SMART 10.50 11.00 11.50 12.00 11.00 11.50 12.00 N.A. N.A. N.A. N.A. N.A.