| |
List of Loan
Schemes along with Rates of Interest |
Circular No.:gscb/L&A/08-09/153/6851
dt. 01.09.2008 |
| Sr.No. |
Type of Loan |
PACS |
Borrowers |
| I. |
PRIORITY SECTOR |
|
|
| 1. |
S.T. Loan Agriculture |
|
|
| |
a.) Upto Rs.25,000/- |
07.0 % |
09.50 % |
| |
b.) Over Rs.25,000/- to Rs. 2,00,000/- |
08.0 % |
10.50 % |
| |
c.) Over Rs.2,00,000/- |
08.50% |
11.00 % |
| |
d.) Crop loan upto Rs.3.00 lakhs |
05.00% |
07.00 % |
| |
|
|
|
| |
|
|
|
| 2. |
S.T. Advances
(To V.K.S.S.Sty., Consumer Stys, Marketing Sty. & Other
Priority Units) |
|
|
| A. |
For HCC/PCC |
|
|
| |
a.) Upto Rs.50,000/- |
- |
10.50% |
| |
b.) Over Rs.50,000/- to 10.00 lacs |
- |
11.25% |
| |
c.) Over Rs.10.00 lacs |
- |
12.50% |
| B. |
For HCC/PCC to PACS |
|
|
| |
a.) Upto Rs. 5 lacs |
9.00 % |
|
| |
b.) Upto Rs. 5.00 lacs |
10.50 % |
|
| |
|
|
|
| C. |
SSI Units and Sugar Factory |
|
|
| |
a.) Upto Rs.50,000/- |
- |
10.50% |
| |
b.) Over Rs.50,000/- to 5,00,000/- |
- |
11.25% |
| |
c.) Over Rs.5,00,000/- to 1 crore |
- |
12.00% |
| |
d.) Over 1 crore |
- |
12.50% |
| |
|
|
|
| 3. |
L.T. Loan | M.T. Loan for priority | Agrilculture Allied Sectors |
|
|
| |
a.) Upto Rs.50,000/- |
07.0% |
10.0% |
| |
b.) Over Rs.50,000/- to 2,00,000/- |
08.0% |
10.50% |
| |
c.) Over Rs.2,00,000/- |
09.0% |
12.00% |
| |
|
|
|
| 4. |
M.T. Loan under Non Farm Priority Sectors
(S.S.I., KVIC, Cottage, Village, Industries & Other priority
Sector, etc.) |
|
|
| |
a.) Upto Rs.2,00,000/- |
|
11.50% |
| |
b.) Over Rs.2,00,000/- to 10,00,000/- |
|
12.50% |
| |
c.) Over Rs.10,00,000/- |
- |
13.00% |
| |
|
|
|
| 5. |
Loan for Self Help Group (SHG) |
- |
|
| |
a.) Upto Rs.15,000/- |
- |
4.00% |
| |
b.) Over Rs.15,000/- to Rs. 50,000/- |
- |
7.00% |
| |
c.) Over Rs.50,000/- |
- |
9.50 % |
| |
|
|
|
| 6. |
M.T. Loan for Priority Sectors (Under SRWTO) |
|
|
| |
a.) Upto Rs.2.00 lacs |
- |
12.00% |
| |
b.) Over Rs.2.00 lacs to 5.00 lacs |
- |
13.00% |
| |
c.) Over Rs.5.00 lacs to 10 lacs |
- |
13.50 % |
| |
d.) Over Rs. 10 lacs |
- |
14.00 % |
| |
|
| II. |
NON-PRIORITY SECTOR |
|
|
| 1. |
S.T. Loan Non Agriculture Sector (HCC/PCC) |
|
|
| |
a.) Upto Rs.2.00 lacs |
- |
13.50% |
| |
b.) Over Rs.2.00 lacs to 5.00 lacs |
- |
14.50% |
| |
c.) Over Rs.5.00 lacs to Rs.10 lacs |
- |
15.00% |
| |
d.) Over Rs.10 lacs |
- |
15.50% |
| |
|
|
|
| 2. |
M.T. Loan Non Agriculture Non Priority |
|
|
| |
a.) Upto Rs.50,000/- |
- |
14.00% |
| |
b.) Over Rs.50,000/- to 5.00 lacs |
- |
15.50% |
| |
c.) Over Rs.5.00 lacs to Rs.10.00 lacs |
- |
16.50% |
| |
d.) Over Rs.10.00 lacs |
- |
17.00% |
| |
|
|
|
| 3. |
M.T. | C.C. to Salary Earners Sty. |
|
10..00% |
| |
M.T. | C.C. to Urban Banks |
|
12.50% |
| |
|
|
|
| 4. |
M.T. Loan to Urban Co-op. Sty. |
|
12.50% |
| |
C.C.C. to Urban Co-op. Credit Sty. |
|
13.50% |
| |
|
|
|
| 5. |
M.T. Loan to V.K.S.S. Sty. for Onward lending
(Other than Agriculture) |
11.00% |
- |
| |
|
|
|
| 6. |
L.T. | M.T. Housing Under Priority |
|
|
| |
a.) Includes Gharkule Scheme, Alterations,
Renovations, Extensions, Reconstructions. upto Rs.5.00 lacs |
- |
10.0% |
| |
Above Rs.5.00 lacs(Salaried) |
|
10.50% |
| |
Other thansalary deductions upto Rs.10.00
lacs (for others) |
|
11.50% |
| |
Above Rs. 10.00 lacs(others) |
|
12.00% |
| |
|
|
|
| |
b.) House Repairs |
- |
13.50% |
| |
c.) House Repairs(to salary earners deduction through salary) |
|
11.50% |
| |
|
|
|
| 7. |
Loan against N.S.C. |
- |
14.0% |
| |
|
|
|
| 8. |
Loan against Gold |
- |
13.50% |
| |
|
|
|
| 9. |
MT Loan under Car Loan Scheme |
- |
|
| |
a.) Upto Rs.5.00 lacs |
|
11.50% |
| |
b.) Above Rs.5.00 lacs |
|
12.50% |
| |
|
|
|
| 10. |
Loan to Corporate Bodies |
|
|
| |
a.) Term Loan |
- |
|
| |
- Upto Rs.25.00 lacs |
|
13.00% |
| |
- Above Rs.25.00 lacs to Rs.50 lacs |
|
14.50% |
| |
- Above Rs.50.00 lacs |
|
15.00% |
| |
|
|
|
| |
b.) H.C.C. |
- |
14.0% |
| |
|
|
|
| 11. |
Loans to Salaried persons (Subject to direct recovery through
salary by the Employer under personal loan scheme with one salaried
surety) |
- |
13.00% |
| 12. |
Loan to purchase 2nd hand vehicles/machinery/Vessel |
- |
15.50% |
| 13. |
Renovation of House (without mortgage of House/subject to
other collateral security. |
- |
15.50% |
| 14. |
Taking Over the liabilities of other Financial Institutions. |
- |
15.50% |
| 15. |
Thrift Co-op. Association |
7.60% |
8.00% |
| |
|
|
|
| |
|
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