| Interest Rate (W.E.F. 07/01/2026) | ||
|---|---|---|
| No | Types of Loans / Advances | Interest Rate |
| 1 | Gold Loan : Up to Rs. 2 Lac (Under Bullet Loan Scheme) | 9.00% |
| 2 | Personal Loan | 12.00% |
| 3 | Term Loan | |
| (A) Term Loan for Any Purpose | 9.00% | |
| (B) Working Capital Term Loan (Against Second Hand Powerlooms) [W.E.F. 01/01/2024] | 10.25% | |
| 4 | Vehicle Loan | |
| (A) Two Wheeler & Four Wheeler (For Personal Use Only) | 8.00% | |
| (B) Vehicle Loan (For Commercial Use Only) | 8.00% | |
| 5 | Solar Loan (Residential / Industrial / Captive Use) | |
| (A) For Existing Customers | 8.50% | |
| (B) For New Customers | 9.00% | |
| 6 | Loan to Professional Self Employed (Doctors, Lawyers, CA, Engineers) | 8.50% |
| 7 | Over Draft Against Fixed Deposits | FDs Rate |
| OD against FD below Rs.1.00 Crore (Own FD) | +1.00% | |
| OD against FD below Rs.1.00 Crore (Third Party) | +2.00% | |
| OD against FD above Rs.1.00 Crore (Own FD) | +0.50% | |
| OD against FD above Rs.1.00 Crore (Third Party) | +2.00% | |
| 8 | Loan Against Fixed Deposits | |
| Loan against FD below Rs.1.00 Crore (Own FD) | +0.50% | |
| Loan against FD below Rs.1.00 Crore (Third Party) | +2.00% | |
| Loan against FD above Rs.1.00 Crore (Own FD) | — | |
| Loan against FD above Rs.1.00 Crore (Third Party) | — | |
| 9 | Loan Against NSC / KVP / UTI / RBI Bond | |
| NSC/KVP (80%) & Non-Cumulative UTI/RBI Bond (70%) | 10.50% | |
| Third Party NSC / KVP (Special Case) | 12.50% | |
| 10 | Cash Credit (Against Paid Stock & Book Debts up to 90 Days) | 9.50% |
| 11 | Housing Loan (Maximum Period 20 Years) | |
| Up to 15 Years | 8.50% | |
| Above 15 Years to 20 Years | 9.00% | |
| 12 | Loan Against Property Mortgage (Industrial Shed) | 13.00% |
| 13 | Composite Term Loan – Manufacturing Unit (Industrial Shed Mortgaged) | 10.50% |
| 14 | Property Overdraft (Dropline OD) – Traders & Mfg. | 10.75% |
| 15 | Sarvodaya Vyapar Mitra Dhiran Yojana | 10.00% |
| 16 | Sarvodaya Business Secured Loan (SBSL) | |
| (A) Against Residential Property | 10.00% | |
| (B) Against Commercial / Industrial Property | 11.00% | |
| 17 | Sarvodaya Green Energy Scheme (Max Rs.5.00 Crore – W.E.F 07/01/2026) | 9.00% |
| 18 | Education Loan (Max Rs.50.00 Lac – W.E.F 07/01/2026) | |
| (A) 100% Liquid Security | 9.00% | |
| (B) Against Residential Property | 9.50% | |
| (C) Against Commercial Property | 10.00% | |
| 19 | Shreenidhi Gold Loan Scheme (Max Rs.25.00 Lac – W.E.F 07/01/2026) | 9.75% |