Rate Of Interest
Circular to All Branches
Revision of Interest Rates on Deposits – Effective from 15/07/2026
The interest rates on deposits have been revised and shall come into effect from 15/07/2026. These revised rates will remain applicable until further orders. The new interest rates are as follows:
| Sr. No. | Particulars | 15/01/2026 | Revised 15/07/2026 | Senior Citizen |
|---|---|---|---|---|
| Fixed Deposit : | ||||
| 1 | 30 Days to 45 Days | 3.00% | 3.00% | – |
| 2 | 46 days up to 179 days | 4.00% | 4.00% | – |
| 4 | 180 days and above less than 1 year | 5.50% | 5.50% | – |
| 5 | 1 year | 6.65% | 6.50% | 7.00% |
| 6 | Above one year to 36 Month | 6.25% | 6.25% | 6.75% |
| 7 | Above 36 Month | 6.25% | 6.25% | 6.75% |
| Saving Bank Deposit : | ||||
| 1 | Saving Bank deposit upto ₹5 Lacs | 3.00% | 3.00% | – |
| 2 | Saving Bank Deposit Balance is Above 5 Lacs and less than ₹10.00 lacs | 3.00% | 3.00% | – |
| 3 | Saving Bank Deposit Balance is ₹10 Lac & above | 3.00% | 3.00% | – |
Revised Interest Rate On Loan & Advances
The revised rates will be effective from 20.08.2026.
| S. No. | Particulars | Existing | 20.08.2026 |
|---|---|---|---|
| 1 | Mortgage Term Loan : If CIBIL Cut Off Score | ||
| 1.A | Upto Rs. 25.00 lacs | ||
| 750 & Above | 9.75 | 9.50 | |
| 700 to 749 | 10.00 | 10.00 | |
| Below 700 | 10.25 | 10.25 | |
| 1.B | Above Rs. 25.00 lacs | ||
| 750 & Above | 10.25 | 9.75 | |
| 700 to 749 | 10.50 | 10.25 | |
| Below 700 | 10.75 | 10.50 | |
| 2 | Mortgage Overdraft : If CIBIL Cut Off Score | ||
| 2.A | Upto Rs. 50.00 lacs | ||
| 750 & Above | 10.25 | 10.25 | |
| 700 to 749 | 10.50 | 10.50 | |
| Below 700 | 11.00 | 11.00 | |
| 2.B | Above Rs. 50.00 lacs to less than Rs. 100.00 lacs | ||
| 750 & Above | 11.75 | 11.75 | |
| 700 to 749 | 12.00 | 12.00 | |
| Below 700 | 12.50 | 12.50 | |
| 2.C | Rs. 100.00 lacs and above | ||
| 750 & Above | 12.50 | 12.50 | |
| 700 to 749 | 12.75 | 12.75 | |
| Below 700 | 12.75 | 12.75 | |
| 3 | Personal Overdraft to Staff | 8.00% | 8.00% |
| 4 | Housing Loan : If CIBIL Cut Off score | ||
| 4.A | Upto Rs. 35.00 lacs | ||
| 750 and above | 7.75% | 7.60 | |
| 700 to 749 | 8.00% | 7.85 | |
| Below 700 | 8.25% | 8.15 | |
| 4.B | Above Rs. 35.00 lacs | ||
| 750 and above | 8.00% | 7.80 | |
| 700 to 749 | 8.35% | 8.15 | |
| Below 700 | 8.75% | 8.50 | |
| 4.C | Housing Loan to Staff | Interest less than 1% as applicable on 750 & above | |
| 5 | Business Term loan | 12.00% | 12.00% |
| 6 (a) | Consumer Loan Two Wheeler (Individual / Commercial) | 12.50% | 12.50% |
| (b) | Home Appliance | 12% | |
| 7 | New Car Loan : If CIBIL Cut Off score | ||
| Above 800 | 7.75 | ||
| 750 to 800 | 8.25% | 7.90 | |
| 700 to 749 | 8.50% | 8.25 | |
| Below 700 | 8.75% | 8.50 | |
| 7.A | Old Car Loan : If CIBIL Cut Off score | ||
| 750 & Above | 11.00% | 11.00% | |
| 700 to 749 | 11.25% | 11.25% | |
| Below 700 | 11.50% | 11.50% | |
| 7.B | Four Wheeler/Three Wheeler loan for Commercial use: | ||
| 750 & Above | 10.50% | 10.50% | |
| 700 to 749 | 10.75% | 10.75% | |
| Below 700 | 11.00% | 11.00% | |
| 7.C | Vehicle Loan to Staff | Interest less than 1% of ROI as applicable | |
| 8 | Cash credit Limit | 12.00% | 12.00% |
| 9 | Personal loan against cash security | 10.50% | 10.50% |
| 10 | Personal loan against Salary certificate | 13.00% | 13.00% |
| 11 | Education Loan | 10.50% | 10.50% |
| 12 | Solar Power Loan | 9.50% | 9.25 |
| 13 | Loan & OD against Deposits | ||
| 13.A | own deposits | 1% over ROI on Deposit | 1% over ROI on Deposit |
| 13.B | Third party deposits | 2% over ROI on Deposit | 2% over ROI on Deposit |
Note : Revised Interest rates are effective from 20.08.2026 on New Sanctions.
Revised Interest rate are applicable on new Loans & Advances.
Solar Loan: a rebate of 0.25% in ROI shall be granted to existing housing loan borrower.
Car Loan: A rebate of 0.25% in interest rate will be given to any types of Four Wheeler loan up to Rs. 10.00 lac where collateral security in the form of properties equivalent to loan value is provided or cash securities in the form of LIC/KVP/NSC at least 50% of the loan value is provided.