Revised rate of interest of diversified loan products |
Sl. No. | Type of Loan | | Existing Rate | Revised Rate |
| Bank to Coop. Socs. | Bank to Individual/Primary Coop. Socs to Individual members | Bank to Coop. Socs. | Bank to Individual/Primary Coop. Socs to Individual members |
1 | Farm Loan | | | | | |
| ST SAO(KCC) Loan | | 5% | 7% | 5% | 7% |
| FFDA/BFDA/FM/MI/Betelvine/ Other agril allied | | 11.25% | 11.50% | 10.25% | 10.50% |
| Marine Fishery Trawler | |
| Animal Husbandry etc. | |
2 | Non-Farm Loan | | | | | |
| SRTO/Transport(GI.)/Machinary (Hypothication) / Business / ISB/SSI (MT) / Long Term Non-Farm ISB/SSI/Others | Upto 5 lac | 11.00% | 11.25% | 10.00% | 11.00% |
| Above 5 lac to 10 lac | 11.25% | 11.50% | 10.25% | 11.25% |
| Above 10 lac to 25 lac | 12.00% | 12.25% | 10.75% | 11.50% |
| Above 25 lac | 12.25% | 12.50% | 11.25% | 11.75% |
3 | Personal Loan | | | | | |
| i) Salary Earner(General) / MTSS to ECCS etc. (Salary A/C with other Bank) *(1) | | | | 11.00% | 11.50% |
| ii) Salary Earner / MTSS to ECCS etc.(Salary A/C with our Bank) | | | | 10.75% | 11.25% |
| iii) Consumer durable *(2) | | 13.50% | 14.00% | 11.50% | 12.50% |
4 | Land Purchase (Newly) *(3) | | | | | |
| Salary Earner (Salary A/C with our Bank) | | New:- | – | 9.50% |
| Land Purchase (General) | | 9.50% | 10.00% |
| | | | | | |
5A | House Building Loan (ECCS) [Residential only] *(5) | | | | | |
| 1 year to 10 years | | 8.75% | | 8.15% | |
| Above 10 years to 15 years | | 9.00% | 8.25% |
| More than 15 years | | 9.25% | 9.25% |
5B | House Building Loan (General) [Residential only] [Only for Indv.] | | | | Salary with other Bank / without salaried person | Salary with our Bank |
| Upto 5 years | | | 9.50% | 8.50% | 8.15% |
| Above 5 yrs. to 10 yrs. | | | 9.75% | 8.75% | 8.25% |
| Above 10 yrs. to 15 yrs. | | | 10.25% | 9.00% | 8.65% |
| Above 15 yrs. to 20 yrs. | | | 10.50% | 10.00% | 9.65% |
5C | House Building Loan (Renovation / Renewal) (Newly) [Only for Indv.] *(4) | | | | Salary with other Bank / without salaried person | Salary with our Bank |
| Upto 5 years | | | | 9.50% | 9.00% |
| Above 5 yrs. to 10 yrs. | | | | 9.75% | 9.25% |
| Above 10 yrs. to 15 yrs. | | | | 10.00% | 9.75% |
| Above 15 yrs. to 20 yrs. | | | | 10.25% | 10.00% |
6 | Govt. Sponsored Loan (MSME) | | | | | |
| i) SVSKP (Erstwhile BSKP) | | | 12.00% | | 11.00% |
| ii) PMEGP | | | 14.00% | 12.50% |
| iii) Karma Sathi Prakalpa | | | | 11.00% |
| iv) West Bengal Student Credit Card Scheme *(5) | | | | | 8.15% (at present) (Simple) |
7 | Cash Credit & Overdraft | | | | | |
| Cash Credit & Overdraft (General) | | 12.25% | 12.50% | 10.75% | 11.25% |
8A | SELF HELP GROUP / Micro Credit Facility | | | | | |
| SHG | | 9.00% | 11.00% | 9.00% | 11.00% |
8B | JLG | | | 13.00% | | 12.50% |
9 | (Short Term) Gold Loan | | | 10.50% | | 10.25% |
10 | Loan against NSC/KVP/LICI policy & Spl. Cash Credit | | 9.00% | 10.00% | 9.00% | 10.00% |