Sr. No |
Particulars |
Rate of Interest w.e.f. 17.08.07 |
Rate of Interest w.e.f. 01.10.07 |
01. |
Agriculture Loans |
|
|
|
|
a) |
Crop Loans/RKCC |
Fixed |
8.00 |
Fixed |
8.00 |
b) |
Purchase of Tractor, Trailer, Jeep & Other Vehicles |
|
|
|
|
|
Up to Rs. 3.00 Lakh |
PLR -3.25 |
10.75 |
PLR -3.25 |
10.25 |
|
Above Rs. 3.00 Lakh |
PLR |
14.00 |
PLR |
13.50 |
|
Old (Secondhand) |
PLR + 1.00 |
15.00 |
PLR + 1.00 |
14.50 |
c) |
Other Agricultural Loans (Direct/Indirect Finance) |
|
|
|
|
|
Up to Rs. 2.00 Lakhs |
PLR - 2.75 |
11.25 |
PLR - 2.75 |
10.75 |
|
Above Rs. 2.00 Lakh |
PLR |
14.00 |
PLR |
13.50 |
|
Farm House |
PLR + 0.25 |
14.25 |
PLR + 0.25 |
13.75 |
d) |
Pledge of Farm products in cold storage/warehouse (Rasin, Soybean, etc.) for farmers |
PLR |
14.00 |
PLR |
13.50 |
e) |
Lift Irrigation Schemes |
|
|
|
|
|
Up to Rs. 2.00 Lakhs |
PLR - 2.75 |
11.25 |
PLR - 2.75 |
10.75 |
|
Above Rs. 2.00 Lakhs |
PLR |
14.00 |
PLR |
13.50 |
02. |
Small Scale Industries
|
Small Scale Industries & Other priority sector |
Small Scale Industries & Other priority sector |
|
Up to Rs. 2.00 Lakhs |
PLR |
14.00 |
PLR |
13.50 |
|
Above Rs. 2.00 Lakhs
(AS per Rating) |
|
|
|
|
|
AAA |
PLR |
14.00 |
PLR |
13.50 |
|
AA (+) |
PLR + 0.50 |
14.50 |
PLR + 0.50 |
14.00 |
|
AA |
PLR + 0.75 |
14.75 |
PLR + 0.75 |
14.25 |
|
AA (-) |
PLR + 1.00 |
15.00 |
PLR + 1.00 |
14.50 |
|
A (+) |
PLR + 1.50 |
15.50 |
PLR + 1.50 |
15.00 |
|
A(-) |
PLR + 1.75 |
15.75 |
PLR + 1.75 |
15.25 |
Sr. No |
Particulars |
Rate of Interest w.e.f. 17.08.07 |
Rate of Interest w.e.f. 01.10.07 |
03. |
Transport Operator |
|
|
|
|
a) |
Up to Rs. 2.00 lakh
Above Rs. 2.00 lakh
(New)
|
PLR |
14.00 |
PLR |
13.50 |
b) |
Secondhand |
PLR + 2.25 |
16.25 |
PLR + 2.25 |
15.75 |
04. |
Other Priority Sector |
|
|
|
|
|
Up to Rs. 2.00 Lakhs |
PLR |
14.00 |
|
13.50 |
|
Above Rs. 2.00 Lakhs
(AS per Rating) |
|
|
|
|
|
AAA |
PLR |
14.00 |
PLR |
13.50 |
|
AA (+) |
PLR + 0.50 |
14.50 |
PLR + 0.50 |
14.00 |
|
AA |
PLR + 0.75 |
14.75 |
PLR + 0.75 |
14.25 |
|
AA (-) |
PLR +1.00 |
15.00 |
PLR + 1.00 |
14.50 |
|
A (+) |
PLR + 1.50 |
15.50 |
PLR + 1.50 |
15.00 |
|
A (-) |
PLR + 1.75 |
15.75 |
PLR + 1.75 |
15.25 |
05. |
Educational Loan Scheme |
|
|
|
|
|
Up to Rs. 4.00 Lakhs |
PLR |
14.00 |
PLR |
13.50 |
|
Above Rs. 4.00 Lakhs |
PLR + 1.00 |
15.00 |
PLR + 1.00 |
14.50 |
06. |
Medical/Professionals |
|
|
|
|
|
Up to Rs. 2.00 Lakhs |
As per priority /non-priority sector |
As per priority /non-priority sector |
|
Above Rs 2.00 Lakhs |
07. |
Housing Loans |
|
|
|
|
|
Up to Rs.15.00 Lakhs |
PLR |
14.00 |
PLR |
13.50 |
|
Above Rs. 15.00 Lakhs |
PLR + 1.00 |
15.00 |
PLR + 1.00 |
14.50 |
08. |
Export Credit Pre-Shipment/Post shipment. (As per RBI guidelines) |
PLR - 2.50 |
11.50 |
PLR - 2.50 |
11.00 |
09
|
Weaker Section (Govt. Sponsored/Others) |
PLR |
14.00 |
PLR |
13.50 |
Sr. No. |
Particulars |
Rate of Interest w.e.f. 17.08.07 |
Rate of Interest w.e.f. 01.10.07 |
10. |
DRI (As per RBI guidelines) |
|
4.00 |
|
4.00 |
11. |
Self Help Group |
PLR -1.00 |
13.00 |
PLR -1.00 |
12.50 |
12. |
Other Non- Priority Sector |
|
|
|
|
|
Up to Rs. 2.00 Lakhs |
PLR |
14.00 |
PLR |
13.50 |
|
Above Rs. 2.00 Lakhs
(AS per Rating) |
|
|
|
|
|
AAA |
PLR + 0.50 |
14.50 |
PLR + 0.50 |
14.00 |
|
AA (+) |
PLR + 1.00 |
15.00 |
PLR + 1.00 |
14.50 |
|
AA |
PLR + 1.50 |
15.50 |
PLR + 1.50 |
15.00 |
|
AA (-) |
PLR + 2.00 |
16.00 |
PLR + 2.00 |
15.50 |
|
A (+) |
PLR + 2.50 |
16.50 |
PLR + 2.50 |
16.00 |
|
A (-) |
PLR + 3.00 |
17.00 |
PLR + 3.00 |
16.50 |
13. |
Turmeric Pledge (Pits/Warehouse receipts) |
As per Other non-priority sector Sr no 12 |
As per Other non-priority sector Sr no 12
|
14. |
Pledge of Farm products in cold storage/warehouse for Traders |
15. |
Super Secured Loan Scheme |
PLR |
14.0 0 |
PLR |
13.50 |
16. |
Ratnakar Professional |
PLR -1.00 |
13.00 |
PLR - 0.50 |
13.00 |
17. |
Ratnakar Pro-Engineers |
PLR -1.00 |
13.00 |
PLR - 0.50 |
13.00 |
18. |
Ratnatray Professional |
PLR |
14.00 |
PLR |
13.50 |
19. |
Personal Loan Scheme |
PLR + 2.25 |
16.25 |
PLR + 2.25 |
15.75 |
20. |
Sanjivani Mortgage schem |
PLR + 2.00 |
16.00 |
PLR + 2.00 |
15.50 |
22. |
Ratna Trade Scheme |
PLR + 1.75 |
15.75 |
PLR + 1.75 |
15.25 |
23. |
Car Loan |
|
|
|
|
|
New |
PLR + 1.00 |
14.00 |
PLR |
13.50 |
|
Secondhand |
PLR + 1.00 |
15.00 |
PLR + 1.00 |
14.50 |
Sr. No. |
Particulars |
Rate of Interest w.e.f. 17.08.07 |
Rate of Interest w.e.f. 01.10.07 |
24. |
Consumer Loans (Purchase of TV/Furniture/ Consumer goods etc.) |
PLR + 3.25 |
17.25 |
PLR + 3.25 |
16.75 |
25. |
Purchase of Two wheelers |
PLR + 0.50 |
14.50 |
PLR + 0.50 |
14.00 |
26. |
Personal Loans (Other than scheme) |
Fixed |
19.75 |
Fixed |
19.75 |
27. |
Bills Discounting under L/Cs |
(Negotiation with HO) |
Min 11.00 |
(Negotiation with HO) |
Min 11.00 |
28. |
Advance against Shares/Debentures
IPO Finance |
PLR +1.50 |
15.50 |
PLR +1.50 |
15.00 |
29. |
Forced Loans/Overdue Overdrafts |
Fixed |
19.75 |
Fixed |
19.75 |
30. |
Temporary Overdrafts (TOD) |
Fixed |
19.75 |
Fixed |
18.50 |
31. |
Secured Overdrafts (EOD) |
Fixed |
19.75 |
Applicable rate + (plus) 2%p.a.
or
PLR+ (plus) 2% whichever is higher |
