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 M.T. Agri. Loans 11.50%
6 Mai Bhago Loan Scheme 7.30%
7 Revolving Cash Credit Limit 12.00%
8 Non Farm Sector 13.00%
9 Cold Storage/Rural Godown 12.00%
10 Vehicle Loans 09.25%
11 Second hand Vehicle Loan Scheme 10.50%
12 CC limit to Traders 14.00%
13 Two Wheeler Loan 12.00%
14 Consumer Durable Loan Scheme (CD Loan) 14.00%
15 Personal Loan 14.00%
16 Personal Loan (Staff) 12.00%
17 Loan to Students (Education Loan) 11.00%
18 Coop. Education Loan to the Children of poor farmers, Dalits, SC/BC & Other Poor Sections 11.00%
19 Loan against NSC/KVP 10.00%
20 OD limit SB A/c (Staff/Others) 10.00%
21 CC Limit - Sugar Consortium 11.50%
22 Loan to Mills for cane payment 11.50%
23 Cane Seed Loan to individual members of Mills 11.50%
24 Loan & CC limit to L&C Societies 11.00%
25 Loan & CC Limit to Industrial Societies and Weavers Societies) 13.00%
26 Loan to members to milk Producers Societies 10.25%
27 Dairy Loan to farmers/Mini Dairy Loan Scheme 10.25%
28 Commercial Dairy Loan 10.25%
29 Loan for Purchase of Cow 10.25%
30 Loan against property 14.00%
31 Loan Scheme for Earnest Money 13.00%
32 Loan against rental income Scheme 13.00%
33 Punjab Farmer Commission's Scheme -Setting up of Net House 12.00%
34 Punjab Farmer Commission's Scheme - Setting up to Agri. Service Center 12.00%
35 Joint Liability Group (JLG) 16.00%
36 House Building Loan Staff 10.00%
37 Repair & Renovation of Rental Houses 09.50%
38 Vehicle Loan Staff 10.50%
39 Two Wheeler Loan to Farmer 13.00%
40 Scheme for Overdraft Facility to Salary Earners 13.00%
41 Personal Loan Scheme for Professionals 16.00%
42 Scheme for Financing E-Rikshaw 9.50%
43 Sehkari Green Energy Loan Scheme 10.50%
44 Saral Vyapar Loan Scheme 12.00%
45 S.T Agriculture (Overdue) 6.00%
46 Piggery Loan Scheme 10.25%
47 Goat Rearing Loan Scheme 10.25%
48 Bee-Keeping Loan Scheme 10.25%
49 Fishery Development Loan Scheme 10.25%
50 Cooperative Liquidity facility(CLF) Loan Scheme 7.75%
51 Liquidity Support Scheme(LSS) Loan Scheme 7.75%
52 Medium Term Loan To Farmers(MTLF) 7.75%

Earnest Money: Fixed by the Bank

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