1.

Bank’s PLR

12.50 %

13.25 %

2.

House Loans

Upto 5 years- 3.5% below PLR i.e. 9%

Above 5 years upto 10 years- 3% below PLR i.e. 9.5%

Above 10 years- 2.5% below PLR i.e. 10%

3.5 % below PLR i.e. 9.75%

3.25 % below PLR i.e. 10 %

2.75 % below PLR i.e. 10.5 %

3.

KCC

(a) Crop Production (CC Portion)

i) 7 % (upto T 3.00 lacs)

ii) 1.5% below PLR i.e. 11% (Above T 3.00 lacs )

The interest rate 7 % on crop production (CC) would be charged to accounts only upto due date of loan or upto the cut off date (31.03.2010) whichever is earlier. Thereafter normal rate of interest is to be charged as mentioned hereunder-

Upto T 50000/- 3.5% below PLR i.e. 9%

Above 50000/- upto T 2.0 lacs -3% below PLR i.e. 9.5%

Above 2.0 lacs upto 3.0 lacs-2% below PLR i.e. 10.5%

(a) Crop Production (CC Portion)

i) 7 % (upto T 3.00 lacs)

ii) 1.5 % below PLR i.e. 11.75 % (Above T 3.00 lacs )

The interest rate 7 % on crop production (CC) would be charged to accounts only upto due date of loan or upto the cut off date (31.03.2011) whichever is earlier. Thereafter normal rate of interest is to be charged as mentioned hereunder-

Upto T 50000/- 3.5% below PLR i.e. 9.75%

Above 50000/- upto T2.0 lacs -3% below PLR i.e.10.25 %

Above 2.0 lacs upto 3.0 lacs-2% below PLR i.e. 11.25 %

4.

KCC Investment (Tea garden and all other investment agriculture loans)

Upto T 50000/- 3 % below PLR i.e. 9.5 %

Above 50000/- upto T2.0 lacs-1.75 % below PLR i.e. 10.75%

Above 2.0 lacs-1.5 % below PLR i.e. 11 %

Upto T 50000/- 3 % below PLR i.e. 10.25 %

Above 50000/- upto T2.0 lacs-2.25 % below PLR i.e.11 %

Above 2.0 lacs-1.5 % below PLR i.e. 11.75 %

5.

Tractor Loans (irrespective of limit)

1.5 % below PLR i.e. 11 %

1.5 % below PLR i.e. 11.75 %

6.

SCC/ MCC/ GCC

2.5 % below PLR i.e. 10 %

2.5 % below PLR i.e. 10.75 %

7.

Farm produce Marketing) Loan Scheme

Upto T 50000/- 2.5 % below PLR i.e. 10 %

Above 50000/- upto T 2.0 lacs-2 % below PLR i.e.10.5 %

Above 2.0 lacs upto 10. lacs-1.5 % below PLR i.e. 11 %

Upto T 50000/- 2.5 % below PLR i.e. 10.75 %

Above 50000/- upto T 2.0 lacs-2 % below PLR i.e.11.25 %

Above 2.0 lacs upto 10. lacs-1.5 % below PLR i.e. 11.75 %

8.

Doctors/Chartered Accountants /Retailers /Wholesale Dealers of medicines

1.5 % below PLR i.e. 11 %

1.5 % below PLR i.e. 11.75 %

9.

Gramin Bank Vyapar Yojna

Up to T 2.0 lacs- 0.25 % over PLR i.e. 12.75 %

Above T 2.0 lacs- 0.75 % over PLR i.e. 13.25 %

Up to T 2.0 lacs- Equal to  PLR i.e. 13.25 %

Above T 2.0 lacs- 0.5 % over PLR i.e. 13.75 %

10.

Transport operators Jeep/Bus Trucks etc.

1.5 % below PLR i.e. 11 % (with mortgage of 100% value)

1% below PLR I.e. 11.5 % (without mortgage)

1.5 %below PLR i.e.11.75 %(with mortgage of 100% value)

1 % below PLR i.e. 12.25 % (without mortgage)

11.

Other Loans (Priority Sector)

    a)

Up to T2.0 lacs

0.75 below PLR i.e. 11.75 %

1.25 below PLR i.e. 12 %

    b)

Above T2.0 lacs

i) Agriculture (Allied activities)

1.25 % below PLR i.e. 11.25 %

0.75 % below PLR i.e. 12.5% (including DEDS)

ii) ISB

iii) Integrated Horticulture Development (including NHB scheme)

Equal to PLR i.e. 12.5% (with mortgage)

0.5% over PLR i.e. 13% (without mortgage)

Equal to PLR i.e. 12.5 %

Equal to PLR i.e. 13.25 % (with mortgage)

0.5% over PLR i.e. 13.75 % (without mortgage)

Equal to PLR i.e. 13.25 %

12.

Rural housing,Loan cum subsidy scheme

2.5 % below PLR i.e. 10 %

2.5 % below PLR i.e. 10.75 %

13.

Education Loan Scheme

Up to T 4.0 lacs- 0.5 % below PLR i.e. 12 %

Above 4.0 lacs- 0.5 % over PLR i.e. 13 %

Up to T 4.0 lacs- 0.5 % below PLR i.e. 12.75 %

Above 4.0 lacs- 0.5 % over PLR i.e. 13.75 %

14.

Solar Home Lighting System(only under capital subsidy scheme)

                      --

5 %  (fixed)

15.

Loans to SHGs (including SGSY)

9 %

10 %

16.

Non Priority Sector(Irrespective of size)

    i)

Advance against NSCs/KVPs/LIPs etc.

0.5 % below PLR i.e. 12 %

0.5 % below PLR i.e. 12.75 %

   ii)

Loan to staff against NSC/KVP etc.

1 % over interest being received on NSC/ KVP

1 % over interest being received on NSC/ KVP

  iii)

Loan for consumer durables

Equal to PLR i.e. 12.5 %

Equal to PLR i.e. 13.25  %

  iv)

Clean Overdraft to salaried persons

1% over PLR i.e.13.5% subject to minimum T50/- per occasion

1% over PLR i.e.14.25 % subject to minimum T50/- per occasion

  v)

Personal/ Clean loan to salaried persons

Equal to PLR i.e. 12.5 % to 1% over PLR i.e. 13.5 %

Equal to PLR i.e. 13.25 % to 1% over PLR i.e. 14.25 %

  vi)

Car/ Two wheeler loan

1 % below PLR i.e. 11.5 %

1 % below PLR i.e. 12.25 %

  vii)

LABOD

1.5 % higher than the interest rate being paid on deposit

1.5 % higher than the interest rate being paid on deposit

For staff- 1 % higher than the interest rate on deposit

 viii)

Loan/ Overdraft against property

1 % over PLR i.e. 13.5 %

1 % over PLR i.e. 14.25 %

ix)

Marriage Loan

1 % over PLR i.e. 13.5 %

1 % over PLR i.e. 14.25 %