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Loans and Advances Interest Rate

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Interest Rates on Loans and Advances W.E.F.04/05/2026 

Sr. No. Type of Loan Rate of Interest for Loan and Advances up to Rs. 25 Lac Rate of Interest for Loan and Advances More than Rs. 25 Lac
1 Vehicle Loan     
1(i) Vehicle Loan (New Four Wheeler) CIBIL Score Above 700 8.50% 8.50%
1(ii) Vehicle Loan (New Four Wheeler) CIBIL Score 500 To 699 9.00% 9.00%
1(iii) Vehicle Loan (New Four Wheeler) CIBIL Score Below 500 10.50% 10.50%
2 Vehicle Loan (Old Four Wheeler) Not More Then 3 Years Old 12.00% 12.00%
3 Vehicle Loan (New Two Wheeler) 11.00% 11.00%
4 Vehicle Loan (New Commercial) 12.00% 12.00%
5 Housing Loan    
  For Male Applicant Loan and Advances up to Rs. 50 Lac Loan and Advances more than Rs. 50 Lac
5(i) Housing Loan ( CIBIL Score Above 700 ) 8.50% 9.00%
5(ii) Housing Loan ( CIBIL Score 500 To 700 ) 9.25% 9.50%
5(iii) Housing Loan ( CIBIL Score Below 500 ) 10.25% 10.50%
  For Female Applicant Loan and Advances up to Rs. 50 Lac Loan and Advances more than Rs. 50 Lac
5(iv) Housing Loan ( CIBIL Score Above 700 ) 8.25% 8.50%
5(v) Housing Loan ( CIBIL Score 500 To 700 ) 8.75% 9.00%
5(vi) Housing Loan ( CIBIL Score Below 500 ) 10.25% 10.50%
6 Education Loan (Max. 20 Lakhs) 9.50% 10.00%
    Loan and Advances up to Rs. 50 Lac Loan and Advances more than Rs. 50 Lac
7 Hypothication Loan 10.75% 11.00%
8 Loan Against Fix Assets 10.75% 11.00%
9 Machinery Loan 10.75% 11.00%
10 Professional Loan 10.75% 11.00%
11 Working Capital Installment Loan 10.75% 11.00%
12 Loan For Working Capital (Overdraft) 10.75% 11.00%
13 Overdraft Against Fix Assets 10.75% 11.00%
14 Commercial Real Estate Loan 11.50% 12.00%
15 Bankble Loan 12.00% --- 
16 Personal Loan 12.00% --- 
17 Clean Cash Credit Loan 12.00% --- 
18 Mahila Utkarsh Loan (Maximum Limit 1 Lakh) 10.00% --- 

 

* Interest rates are subject to change without prior notice. Bank reserves the right to revise the rate of interest and the processing fee from time to time.