Interest Rates

Deposits ( Effective from 01-02-2021 ) :

Term Period General Rate Senior Citizen Rate
15 Days - 45 Days 3.50 % 3.50 %
46 Days - 90 Days 3.75 % 3.75 %
91 Days - 180 Days 4.50 % 4.50 %
181 Days - 364 Days 5.00 % 5.00 %
1 Year - 2 Year 6.00 % 6.50 %
Above 2 Year - 3 Year 5.75 % 6.25 %
Senior Citizen ( i.e. having age of 60 year and above will get benefit of 0.50 % higher interest rates on Fix Deposit above a period of 1 year ).
We don't accept Fix Deposit above the period of 3 year.
Interst paid if liable for Income Tax dedication the TDS will be deducted from the interest paid on date.
Interest are consider as Non-cumulative if Duration is Less than 1 Year.
For more than 1 Year then Interest will be considered as Cumulatively.

Recurring ( Effective from 01-02-2021 ) :

Term Period Monthly Installment of ₹. 50 Monthly Installment of ₹. 100
12 Months ₹ 620 ₹ 1240
24 Months ₹ 1278 ₹ 2555
36 Months ₹ 1968 ₹ 3936

Advances ( Effective from 01-02-2021 ) :

Advances Type Interest Rate
Personal Loan ( Upto ₹ 1 Lakh ) 14.00 %
Auto Loan ( Car - 36 Month Repayment ) 8.00 %
Auto Loan ( Car - 60 Month Repayment ) 8.25 %
Auto Loan ( Car - 84 Month Repayment ) 8.50 %
Auto Loan ( 2/3 Wheeler ) 11.00 %
Auto Loan ( Commercial Vehicle ) 11.00 %
Housing Loan ( Upto ₹ 70 Lakh ) 8.00 %
Doctors Loan 10.00 %
Consumer Durable Loan ( Upto ₹ 1 Lakh ) 11.00 %
Education Loan ( Upto ₹ 10 Lakh ) 11.00 %
Mahila Swarojgar Loan ( Upto ₹ 50,000 ) 11.00 %
Machinery Term Loan 11.00 %
Business Building Purchase Loan 11.00 %
Hypothecation of Stock / Book Debt 10.90 %
Business Mortgage Overdraft Loan 10.90 %
Business Mortgage Loan 10.90 %
F.D. Overdraft / Loan ( Above Deposit Rate ) 1.00 %
N.S.C. / K.V.P. / L.I.C. Policy Loan / Overdraft 11.00 %