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Interest Rates

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Fixed deposit

INTEREST RATES ON DOMESTIC TERM DEPOSITS W.E.F (11/07/2025)

Maturity Range Upto Rs. 15 lakh Above Rs. 15 lakh to upto Rs. 50 lakh Above Rs. 50 lakh to upto Rs. 1 Cr Above Rs. 1 Cr to to upto Rs. 10 Cr Above Rs. 10 Cr to upto Rs. 25 Cr Above Rs. 25 Cr to upto Rs. 50 Cr Above Rs. 50 Cr to upto Rs. 100 Cr Above Rs.100 Cr to upto Rs.150 Cr Above Rs. 150 Cr to upto Rs. 250 Cr Above Rs. 250 Cr
07 DAYS TO 45 DAYS 3.75% 3.75% 3.75% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25%
46 DAYS TO 90 DAYS 3.75% 3.75% 3.75% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50%
91 DAYS TO 120 DAYS 4.00% 4.00% 4.00% 4.75% 4.75% 4.75% 4.75% 4.75% 4.75% 4.75%
121 DAYS TO 179 DAYS 4.00% 4.00% 4.00% 4.75% 4.75% 4.75% 4.75% 4.75% 4.75% 4.75%
180 DAYS TO 269 DAYS 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25%
270 DAYS TO 364 DAYS 5.25% 5.25% 5.25% 5.50% 5.50% 5.50% 5.50% 5.50% 5.50% 5.50%
12 MONTHS (365 DAYS) 6.80% 6.80% 6.80% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90%
366 DAYS TO 24 MONTHS 6.75% 6.75% 6.75% 6.50% 6.50% 6.50% 6.50% 6.50% 6.50% 6.50%
2 YEARs. TO 3 YEARs. 6.25% 6.25% 6.25% – – – – – – –
3 YEARs. TO 5 YEARs. 6.25% 6.25% 6.25% – – – – – – –
TAX SAVING DEPOSIT SCHEME FOR 60 MONTHS 5.00% – – – – – – – – –

SPECIAL RATES ON DOMESTIC TERM DEPOSITS (29/07/2025)

Maturity Range Upto Rs. 15 lakh Above Rs. 15 lakh to upto Rs. 50 lakh Above Rs. 50 lakh to upto Rs. 1 Cr Above Rs. 1 Cr to to upto Rs. 10 Cr Above Rs. 10 Cr to upto Rs. 25 Cr Above Rs. 25 Cr to upto Rs. 50 Cr Above Rs. 50 Cr to upto Rs. 100 Cr Above Rs.100 Cr to upto Rs.150 Cr Above Rs. 150 Cr to upto Rs. 250 Cr Above Rs. 250 Cr
07 DAYS TO 45 DAYS 3.75% 3.75% 3.75% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25%
46 DAYS TO 90 DAYS 3.75% 3.75% 3.75% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50% 4.50%
91 DAYS TO 120 DAYS 4.00% 4.00% 4.00% 4.75% 4.75% 4.75% 4.75% 4.75% 4.75% 4.75%
121 DAYS TO 179 DAYS 4.00% 4.00% 4.00% 4.75% 4.75% 4.75% 4.75% 4.75% 4.75% 4.75%
180 DAYS TO 269 DAYS 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25%
270 DAYS TO 364 DAYS 5.25% 5.25% 5.25% 5.50% 5.50% 5.50% 5.50% 5.50% 5.50% 5.50%
12 MONTHS (365 DAYS) 6.80% 6.80% 6.80% 6.90% 7.00% 6.90% 6.90% 6.90% 6.90% 6.90%
366 DAYS TO 24 MONTHS 6.75% 6.75% 6.75% 6.50% 6.50% 6.50% 6.50% 6.50% 6.50% 6.50%
2 YEARs. TO 3 YEARs. 6.25% 6.25% 6.25% – – – – – – –
3 YEARs. TO 5 YEARs. 6.25% 6.25% 6.25% – – – – – – –
TAX SAVING DEPOSIT SCHEME FOR 60 MONTHS 5.00% – – – – – – – – –
Note: Bulk Deposit rates are indicative, for the latest rates, kindly contact the nearest branch.
  1. The revised interest rate mentioned above will be applicable to all new and renewed fixed- term deposits made on or after 11.07.2025.
  2. The maximum tenure for accepting fixed- term deposits is 5 years, however for cooperative societies, cooperative banks, and other institutions, the maximum tenure for accepting fixed- term deposits is 2 years.
  3. Senior citizens (60 years of age and above, with proof of age submitted) will be given 0.50% higher interest than the above-mentioned rate.
  4. An Additional 0.50% interest will be given on the above-mentioned interest rate for bank staff/ex-staff.
  5. Other terms and conditions for accepting fixed-term deposits and their repayment will remain the same as per deposit policy of the bank.

Retail Loans

TYPE OF LOAN FIXED INTEREST RATES
(W. E. F. 15/04/2024)*		 FLOATING INTEREST RATES
(W. E. F. 15/04/2024)*
Home Loan 9.00%* 8.20%*
Commercial Property Loan 10.50%* 9.00%*
Security Mortgage Loan/OD 10.50%* 9.00%*
Car Loan 9.25%* 8.20%*
Commercial Vehicle Loan 11.50%* 10.00%*
Two-Wheeler Loan 11.50%* 9.50%*
Higher Education Loan 10.50%* 8.65%*
Doctor Mitra Loan 9.75%* 9.00%*
Solar Rooftop Loan 8.50%* 8.50%*
Consumer Durable Loan 12.00%* 10.50%*
JLG/SHG Scheme Loan 11.00%* 11.00%*
Working Capital C.C 11.00%* 10.50%*

Institutional Loans

SR. TYPES OF LOANS & ADVANCES INTEREST RATE (W.E.F : 01/06/2024)*
1 FOR THE DCCB’s
1.1 S.T. AGRI. LOAN
[1] NABARD SAO REFINANCE 0.25% (MARGIN)
[2] NABARD ASAO REFINANCE 0.75% (MARGIN)
[3] SAO FROM OWN FUND 9.00%
1.2 S.T. OTHERS
[1] NABARD REFINANCE 0.50% (MARGIN)
[2] LOAN FROM OWN FUND 10.00%
1.3 REFINANCE OF NABARD’S PACS AS MSC SCHEME 0.50% (MARGIN)
1.4 NON AGRI. CASH CREDIT: (FOR DCCB)
[1] NORMAL (MONTHLY INTEREST) 8.00% to 10.00%
[2] FOR SUGAR FINANCE (HALF YEARLY INTEREST ) 9.00% to 11.00%
2 NON AGRI. CASH CREDIT TO UCBS (MONTHLY INTEREST) 10.00% to 12.00%
3 DIRECT FINANCE TO CO-OP. INSTITUTIONS, COMPANY, & OTHER INSTITUTIONS
[1] PLEDGE CASH CREDIT 9.00% TO 10.50%
[2] HYPOTHECATION CASH CREDIT 9.50% TO 11.00%
[3] NON AGRI CASH CREDIT 7.80% TO 10.00%
[4] MEDIUM / LONG TERM AGRI. LOAN 9.00% TO 10.50%
[5] MEDIUM / LONG TERM NON AGRI. LOAN 9.00% TO 11.00%
4 BANK GUARANTEE – COMMISSION (QUARTERLY BASIS)
– 25% F.D.R + 75% BANK APPROVED SECURITIES 2.00% + GST
– 100% F.D.R 1.00% + GST
5 [1] PENAL INTEREST IN CASE OF DEFAULT IN PRINCIPAL & INTEREST FOR NABARD REFINANCE 2.00%
[2] PENAL INTEREST IN CASE OF DEFAULT IN PRINCIPAL & INTEREST OF OWN FUND LOAN 1.00%

* Interest rates are subject to change without prior notice. Bank reserves the right to revise the rate of interest and the processing fee from time to time.
* No interest is payable if the depositor withdraws the entire FD amount within 7 days from the date of deposit.
* GST and other Government taxes, levies, etc., applicable as per the prevailing rates will be charged over and above the mentioned charges