Interest on Loans & Advances
| Category/Purpose of Loan |
Approved ROI (In %) |
| Bank to PACS / LAMPCS |
Bank / PACS / LAMPCS to Borrower |
| STSAO |
| Up to Rs. 50,000/- |
4.50 |
4.00 |
| Over Rs.50,000/- |
4.50 |
5.00 |
| Minor Irrigation, Land Dev., Dry Land Farming, Waste Land Dev./SC/ST Action Plan/Organic Farming/Contact Farming under Agril. Export/Aeronautic & Medicine Plants/Farm mechanisation/Agril. Clinic & other |
1.50% over & above the refinance rate from OSCB to CCB |
1.50% over & above the refinance rate from CCB to PACS |
| Cold Storage |
| Rural Godown - Upto Rs.50,000/- |
11.25 |
12.50 |
| Rural Godown - Over Rs.50,000/- |
11.75 |
13.00 |
| Non Farm Sector (MT/LT-NFS) Micro/Small Industries/Small Business |
| Upto Rs.50,000/- |
11.25 |
12.50 |
| Over Rs.50,000/- |
11.25 |
12.50 |
(Direct Finance to Individuals) |
| Loan against Postal Security |
| Staff |
10.00 |
| Other than Staff |
10.00 |
Loan against Gold Ornaments |
| Staff |
10.00 |
| Other than Staff |
10.50 |
(Direct Finance to Individuals) |
| Consumer durable |
11.50 |
| Cash Credit Individual |
11.50 |
| Equipment machineries, Construction of building |
11.50 |
|
Cash Credit to PACS |
| Cash Credit Fertilizer |
11.50 |
|
| Cash Credit Procurement & Agril. Produce |
11.50 |
|
| Cash Credit Consumer |
11.50 |
|
MTNA loan to salary ECS |
| Own Employees of Bank |
11.00 |
|
| Other |
11.50 |
|
| SRTO(Vehicle) |
9.50 |
10.50 |
| Overdraft accommodation |
14.00 |
|
| Term Loan to Individual (SSI Unit/Working Capital) |
12.50 |
13.50 |
| S.H.G/J.L.G./Farmer Club |
11.00 |
12.25 |
| House Building Loan |
|
9.00 |
| Personal Loan - Staff |
11.00 |
|
| Personal Loan - Public |
11.50 |
|
| Term Loan/Cash Credit Loan to Contractor |
|
11.50 |
