Interest Rates on Loans

Sr. No. Types of Loan Rate of Interest
1 Rural/Urban Housing Loan 08.95%
2 S.T. Agricultural Loan 5.00%
3 Cash Credit Fertilizer 10.00%
4 Cash Credit (Essential Commodities) 10.00%
5 Short Term Consumption Loan- Non Agriculturist Member of PACS 8.50%
6 Short Term Consumption Loan- Agriculturist Member of PACS 10.00%
7 M.T. Agri. Loans 11.50%
8 Mai Bhago Scheme (Fixed by RCS Pb. Letter No. 15194 dated 03.10.2008) 7.50%
9 Revolving Cash Credit limit (NABARGD) 12.00%
10 Revolving Cash Credit limit (Own Resources) 12.00%
11 Non Farm Sector 13.00%
12 Cold Storage/Rural Godown 12.00%
13 SGH/SGSY-Upto Rs. 50,000/- 9.50%
14 SGH/SGSY-Above Rs. 50,000/- 10.00%
15 Vehicle Loans 09.25%
16 Second hand Car Loan 11.50%
17 CC limit to Traders 14.00%
18 Two Wheeler Loan 12.00%
19 Loan for Purchase of Consumer Durable (CD Loan) 15.00%
20 Personal Loan 16.00%
21 Personal Loan (Staff) 12.00%
22 Loan to Students (Education Loan) 11.00%
23 Coop. Education Loan to the Children of poor farmers, Dalits, SC/BC & Other Poor Sections 11.00%
24 Loan against NSC/KVP 10.00%
25 OD limit SB A/c (Staff) 10.00%
26 CC Limit - Sugar Consortium 11.50%
27 Loan to Mills for cane payment 11.50%
28 Cane Seed Loan to individual members of Mills 11.50%
29 Loan & CC limit to L&C Societies 13.00%
30 Loan & CC Limit to Industrial Societies and Weavers Societies) 13.00%
31 Loan to members to milk Producers Societies 10.25%
32 Dairy Loan to farmers/Mini Dairy Loan Scheme 10.25%
33 Commercial Dairy Loan 10.25%
34 Loan for Purchase of Cow 10.25%
35 Loan landlords of buildings for construction of Branch Officers 13.00%
36 Loan against property 14.00%
37 Loan Scheme for Earnest Money 13.00%
38 Loan against rental income Scheme 13.00%
39 Punjab Farmer Commission's Scheme -Setting up of Net House 12.00%
40 Punjab Farmer Commission's Scheme - Setting up to Agri. Service Center 12.00%
41 Joint Liability Group (JLG) 16.00%

Earnest Money: Fixed by the Bank

Back to Top