Schemes Rate of Interest
    A. PRIORITY SECTOR LOANS
    1. Crop loan and K.C.C
    (a) Upto Rs. 3,00,000/-
    7.00%
    (b) Above Rs. 3,00,000/-
    11.00%
    2. Other Agricultural Loan
     
    (a) Upto Rs. 2 Lakh
    11.50%
    (b) Above Rs. 2 Lakh and uto Rs. 3 Lakh
12.50%
(c) Above Rs. 3 Lakh 12.50%
    3. Housing loan Scheme
Residental Commercial
    (a) Repayable in 5 years
11.50% 14.00%
    (b) Repayable in more than 5 years upto 15 years
12.50% 14.50%
    4. Transport Operators
    (a) For LMV - upto Rs. 4 Lakh
    12.50%
    (b) For Heavy Motor Vehicle
    14.00%
    5. Education loan
    Male
Female
11.50% 11.00%
6. Loan to Self Help Groups
    (a) Upto Rs. 3 Lakh
    11.50%
    (b) Above Rs. 3 lakh
    12.50%
7. Term loan for Industries and Business Sector
    (a) Upto Rs. 3 Lakh
    12.50%
    (b) Above Rs. 3 lakh
    13.00%
    8. Loan to KSCC
    (a) Upto Rs. 50,000.00
    9.00%
    (b) Above Rs. 50,000.00
    12.00%
B. NON PRIORITY SECTOR LOANS
1. JPCL
    (i) For two wheelers
     
    (a) Repayable in 36 months
    11.50%
    (b) Repayable in 48 months.
12.50%
(ii) For four wheelers ( Upto Rs. 4 Lakh)  
(a) Repayable in 60 months 12.50%
(b) Repayable in 84 months 13.00%
(iii) For four wheelers ( Above Rs. 4 Lakh)  
(a) Repayable in 60 months 13.50%
(b) Repayable in 84 months 14.00%
(iv) For purchase of computers, upto Rs. 50,000.00 11.50%
(v) For Other consumer durables 13.00%
    2. Personal Demand Loan to Government Employee
    13.00%
    3. Loan Against Government Securities and Surrender value of LIC
    NSC/KVIP etc (40% margin)
LIC (upto30%)
13.00% 13.50%
4. Loan Against Bank's fixed Deposits
    (i) To Depositors
    Upto 90% of deposit
1 % above rate of interest of Time Deposits
    (ii) To Third Parties
    4 % above rate of interest of Time Deposits or 12% which ever is higher.