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Advances Interest Rates

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Loan Interest Rates 

Rate of Interest Effective Date : 01-Aug-2025

Product Name Credit Score / Rating From Amount (Rs. In Lakh) To Amount (Rs. In Lakh) ROI  Margin Tenure (M)
Hypo. Cash Credit A 0.00001 10 10.50% 40% to 50% 12
B 0.00001 10 10.50% 40% to 50% 12
C 0.00001 10 10.50% 40% to 50% 12
A 10.01 40 8.50% 40% to 50% 12
B 10.01 40 9.00% 40% to 50% 12
C 10.01 40 9.50% 40% to 50% 12
A 40 1400 8.75% 40% to 50% 12
B 40 1400 9.25% 40% to 50% 12
C 40 1400 9.75% 40% to 50% 12
Book Debt Cash Credit A 0.00001 10 10.50% 40% to 50% 12
B 0.00001 10 10.50% 40% to 50% 12
C 0.00001 10 10.50% 40% to 50% 12
A 10.01 40 8.50% 40% to 50% 12
B 10.01 40 9.00% 40% to 50% 12
C 10.01 40 9.50% 40% to 50% 12
A 40 1400 8.75% 40% to 50% 12
B 40 1400 9.25% 40% to 50% 12
C 40 1400 9.75% 40% to 50% 12
OD against Cash Certi. Deposit       FD Rate + 1% 10%  
 ( Third Party FD )       FD Rate + 2% 10%  
OD Against FD Bulk   above 500    FD Rate + 0.50% 5%  
OD Against FD       FD Rate + 1% 10%  
 ( Third Party FD )       FD Rate + 2% 10%  
OD Against FD Bulk   above 500    FD Rate + 0.50% 5%  
Double Mortgage Cash Credit   0.00001 1400  10.50% 50% 12
OD against Govt. Security   0.00001 1400 8.95% 20% to 50% 36
Secured Overdraft A 0.00001 10 10.50% 50% of Property Value 12
B 0.00001 10 10.50% 50% of Property Value 12
C 0.00001 10 10.50% 50% of Property Value 12
A 10.01 40 9.50% 50% of Property Value 12
B 10.01 40 10.00% 50% of Property Value 12
C 10.01 40 10.50% 50% of Property Value 12
A 40 1400 9.25% 50% of Property Value 12
B 40 1400 9.75% 50% of Property Value 12
C 40 1400 10.25% 50% of Property Value 12
Machinery Loan   0.00001 40 8.95%  25% 84
  40.0001 1400  9.45% 25% 84
Furniture Fixture Loan   0.00001 25 9.5%  25% 60
Two Wheeler Vehicle Loan Credit Score 751 Above 0.00001 1400 9.95%* 20% of Total Qutation Value 48
  Credit Score 651 Above 0.00001 1400 10.95%* 20% of Total Qutation Value 48
  Credit Score 501 Above 0.00001 1400 11.95%* 20% of Total Qutation Value 48
  Credit Score Up to 501 0.00001 1400  13.00%* 20% of Total Qutation Value 48
Four Wheeler Vehicle Loan (Up To 25 Lac) Credit Rating AAA 0.00001 25 8.25% 20% of Total Qutation Value 60
Credit Rating AA 0.00001 25 8.35% 20% of Total Qutation Value 60
Credit Rating A 0.00001 25 8.50% 20% of Total Qutation Value 60
Credit Rating B+ 0.00001 25 8.75% 20% of Total Qutation Value 60
Credit Rating B 0.00001 25 9.00% 20% of Total Qutation Value 60
Credit Rating C 0.00001 25 9.50% 20% of Total Qutation Value 60
Four Wheeler Vehicle Loan (Above 25 Lac) Credit Rating AAA 25.0001 1400 8.50% 20% of Total Qutation Value 60
Credit Rating AA 25.0001 1400 8.75% 20% of Total Qutation Value 60
Credit Rating A 25.0001 1400 9.00% 20% of Total Qutation Value 60
Credit Rating B+ 25.0001 1400 9.25% 20% of Total Qutation Value 60
Credit Rating B 25.0001 1400 9.50% 20% of Total Qutation Value 60
Credit Rating C 25.0001 1400 10.00% 20% of Total Qutation Value 60
Commercial Vehicle Loan Credit Score 700 Above 0.00001 1400  9.75% 30% of Total Qutation Value 48
  Credit Score 600 Above 0.00001 1400 10.00% 30% of Total Qutation Value 48
  Credit Score Up to 600 0.00001 1400 11.00% 30% of Total Qutation Value 48
Old Vehicle Loan   0.00001 1400 13% 50% of Valuation 36
Unsecured Loan   0.00001 4 15%   60
Secured Loan (WCTL)   0.00001 40 8.95%   25% 120
  40.0001 1400  9.45% 25% 120
Housing Loan (Loan Amount Up to Rs.50 Lac Credit Rating AAA 0.00001 35 8.25 % * 20% 240
Credit Rating AA 0.00001 35 8.50% * 20% 240
Credit Rating A 0.00001 35 8.75% * 20% 240
Credit Rating B+ 0.00001 35 9.00%* 20% 240
Credit Rating B 0.00001 35 9.50%* 20% 240
Credit Rating C 0.00001 35 10.00% 20% 240
Housing Loan (Loan Amount Above Rs.50 Lac And up to Rs. 140 Lac  Credit Rating AAA 35.0001 140 8.50 % * 20% 240
Credit Rating AA 35.0001 140 8.75% * 20% 240
Credit Rating A 35.0001 140 9.00% * 20% 240
Credit Rating B+ 35.0001 140 9.50%* 20% 240
Credit Rating B 35.0001 140 10.00%* 20% 240
Credit Rating C 35.0001 140 10.50% 20% 240
Housing Loan (Home Repair)   0.00001 10 8.95% 30% 120
Commercial Property Purchase Loan (shop/Office/Godown/Shed)   0.00001 40 8.95% 25% 120
  40.0001 1400  9.95% 25% 120
Builder Project Loan   0.00001 1400 13% 50% 50
Loan against Property (LAP)   0.00001 1400 13% 50% 120
Mortgage Loan   0.00001 40 9.95% 50% 120
  40.0001 1400 10.95% 50% 120
Education Loan   0.00001 20 8.45% 25% 60
  20.0001 25 8.95% 25% 60
  25.0001 1400 9.45% 25% 60
Mortgage Personal Loan   0.00001 2 13% 50% 48
  2.0001 5 13% 50% 60
Roof Top Solar Panel Loan   0.00001 10 8.95% 25% 120
Roof Top Solar Panel Loan (Commercial)   0.00001 1400  9.45% 25% 60
Professional Loan   0.00001 40  8.95%  20% 120
  40.0001 1400  9.45% 20% 120
Mahila Utkarsh Yojana   0.00001 1 8.95%   60
Distressed Person Loan   0.00001 1 10.95%   60
Loan Against Govt. Securities   0.00001 1400  8.95% 20% to 50% 120