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List of Loan Schemes along with Rates of Interest

Circular No.:GSCB/L&A/2014-15/10047 dt. 15.12.2014
Sr.No. Type of Loan PACS Borrowers
I. PRIORITY SECTOR    
1. S.T. Loan Agriculture    
  a.) Upto Rs.25,000/- 07.0 % 09.50 %
  b.) Over Rs.25,000/- to Rs. 2,00,000/- 08.0 % 10.50 %
  c.) Over Rs.2,00,000/- 08.50% 11.00 %
  d.) Crop loan upto Rs.3.00 lakhs 05.00% 07.00 %
       
       
2. S.T. Advances
(To V.K.S.S.Sty., Consumer Stys, Marketing Sty. & Other Priority Units)
   
A. For HCC/PCC    
  a.) Upto Rs.50,000/- - 10.75%
  b.) Over Rs.50,000/- to 10.00 lacs - 11.50%
  c.) Over Rs.10.00 lacs - 12.75%
B. For HCC/PCC to PACS    
  a.) Upto Rs. 5 lacs 9.00 %  
  b.) Upto Rs. 5.00 lacs 10.50 %  
       
C. SSI Units and Sugar Factory    
  a.) Upto Rs.50,000/- - 10.50%
  b.) Over Rs.50,000/- to 5,00,000/- - 11.25%
  c.) Over Rs.5,00,000/- to 1 crore - 12.00%
  d.) Over 1 crore - 12.50%
       
3. L.T. Loan | M.T. Loan for priority | Agrilculture Allied Sectors    
  a.) Upto Rs.50,000/- 07.0% 10.0%
  b.) Over Rs.50,000/- to 2,00,000/- 08.0% 10.50%
  c.) Over Rs.2,00,000/- 09.0% 12.00%
       
4. M.T. Loan under Non Farm Priority Sectors
(S.S.I., KVIC, Cottage, Village, Industries & Other priority Sector, etc.)
   
  a.) Upto Rs.2,00,000/-   12.00%
  b.) Over Rs.2,00,000/- to 10,00,000/-   12.50%
  c.) Over Rs.10,00,000/- - 13.00%
       
5. Loan for Self Help Group (SHG) -  
  a.) Upto Rs.2,00,000/- - 10.50%
  b.) Over Rs.2.00 Lacs to Rs. 3,00,000/- - 10.75%
  c.) Over Rs.3,00,000/- to Rs.5,00,000/- - 11.00 %
  d.) Over Rs.5,00,000/-   11.50 %
6. M.T. Loan for Priority Sectors (Under SRWTO)    
  a.) Upto Rs.2.00 lacs - 12.25%
  b.) Over Rs.2.00 lacs to 5.00 lacs - 13.00%
  c.) Over Rs.5.00 lacs to 10 lacs - 13.50 %
  d.) Over Rs. 10 lacs - 14.00 %
 

II. NON-PRIORITY SECTOR    
1. S.T. Loan Non Agriculture Sector (HCC/PCC)    
  a.) Upto Rs.2.00 lacs - 13.25%
  b.) Over Rs.2.00 lacs to 5.00 lacs - 14.25%
  c.) Over Rs.5.00 lacs to Rs.10 lacs - 14.75%
  d.) Over Rs.10 lacs - 15.00%
       
2. M.T. Loan Non Agriculture Non Priority    
  a.) Upto Rs.50,000/- - 13.50%
  b.) Over Rs.50,000/- to 5.00 lacs - 14.50%
  c.) Over Rs.5.00 lacs to Rs.10.00 lacs - 15.00%
  d.) Over Rs.10.00 lacs - 15.50%
       
3. M.T. | C.C. to Salary Earners Sty.  

10..25%

  M.T. | C.C. to Urban Banks   12.75%
       
4. M.T. Loan to Urban Co-op. Sty.   13.00%
  C.C.C. to Urban Co-op. Credit Sty.   14.25%
       
5. M.T. Loan to V.K.S.S. Sty. for Onward lending (Other than Agriculture) 11.00% -
       
6. L.T. | M.T. Housing Under Priority    
  a.) Includes Gharkule Scheme, Alterations, Renovations, Extensions, Reconstructions. upto Rs.10.00 lacs - 10.50%
 

Above Rs.10.00 lacs to 25.00 (Salaried)

Avove 25.00 lacs

Maximum EMI period of 20 Years

 

11.00%

11.50%

  Other than salary deductions upto Rs.10.00 lacs (for others)   11.00%
  Above Rs. 10.00 lacs to 25.00 (others)   11.50%
  Above Rs.25.00 Lacs (others)   12.00%
 

a.) House Repairs upto 2.00 Lacs

Maximum period 15 Years

-

13.00%

 

  c.) House Repairs(to salary earners deduction through salary)   11.50%
  d.) Above 2.00 Lacs to 5.00 Lacs   14.50%
7. Loan against N.S.C. - 14.00%
       
8. Loan against Gold - 12.25%
       
9. MT Loan under Car Loan Scheme -  
  a.) Upto Rs.5.00 lacs   11.75%
  b.) Above Rs.5.00 lacs   12.75%
       
10. Loan to Corporate Bodies    
  a.) Term Loan -  
  - Upto Rs.25.00 lacs   13.25%
  - Above Rs.25.00 lacs to Rs.50 lacs   14.75%
  - Above Rs.50.00 lacs   16.00%
       
  b.) H.C.C. - 15.00%
       
11.

Loans to Salaried persons (Subject to direct recovery through salary by the Employer under personal loan scheme with one salaried surety)

Through ECS Mandate

-

11.75%

 

12.25%

12. Loan to purchase 2nd hand vehicles/machinery/Vessel - 14.50%
13. Renovation of House (without mortgage of House/subject to other collateral security. - 14.50%
14. Taking Over the liabilities of other Financial Institutions. - Discontnued
15. Thrift Co-op. Association   10.00%
16.

Mortgage Loan upto 10.00 lacs

Above 10.00 Lacs

 

14.00%

14.50%

 

MT Special Two Wheeler / Car Loan

a) For salaried person (Direct recovery through Salary)

b) For Salaried person (without Salary Deduction)

c) For Businessman & Professionals

 

 

 

10.75%

11.00%

11.00%

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