Rate of Interest

Rate of Interest for New Loans & Advances (wef from : 01/05/2025 )

 
Scheme Slab Rate of Interest (p.a.)
Personal Segment (P- Segment) 
Home Loan CIBIL Score 800 and Above 8.30 %
CIBIL Score 750 and Above upto 799 8.30 %
CIBIL Score 700 and Above upto 749 8.45 %
CIBIL Score 650 and Above upto 699 8.75 %
CIBIL Score 600 and Above upto 649 8.95 %
NTC/No CIBIL/-1 8.65 %
  •  Permanent Govt/Public Sector/MNC Employee's Salary Account with CRGB and other bank- Concession of 0.25% available. (Loan Recovery through SI/NACH Mandate Compulsory)
     
CRGB Home Top Up Loan (HTUL)

 

 CIBIL Score 800 and Above 8.90%
CIBIL Score 750 and Above upto 799 9.00%
CIBIL Score 700 and Above upto 749 9.10%
CRGB Realty Upto Rs. 25.00 Lakh 9.10%
Above Rs. 25.00 Lakh 9.25%
Loan Against Property (LAP) / Personal Loan Plus (PL+) Term Loan 10.40%
Overdraft Limit 11.40%
Car Loan
CIBIL Score 775 and Above 8.50%
CIBIL Score 757 and Above upto 774 8.50%
CIBIL Score 721 and Above upto 756 8.65%
CIBIL Score 700 and Above upto 720 9.00%
CIBIL Score 600 and Above upto 699 9.00%
NTC/No CIBIL/-1 8.75%
  • Permanent Govt/Public Sector/MNC Employee's Salary Account with CRGB and other bank (Loan Recovery through SI/NACH Mandate Compulsory)
  • Purchase of electric vehicle for all customer - Concession of 0.25% available.
Personal Loan CIBIL Score 800 and  above Salary With CRGB Term Loan 11.05%
Overdraft limit 11.05%
Salary with Other Bank 12.05%
CIBIL Score 750 and above upto 799 Salary With CRGB Term Loan 11.55%
Overdraft limit 11.55%
Salary with Other Bank 12.55%
CIBIL Score 700 and above upto 749 Salary With CRGB Term Loan 12.05%
Overdraft limit 12.05%
Salary with Other Bank 13.05%
CIBIL Score 650 and above upto 699 Salary With CRGB Term Loan 13.55%
Overdraft limit 13.55%
Salary with Other Bank 14.55%
CIBIL Score 600 and above upto 649 Salary With CRGB Term Loan 18.05%
Overdraft limit 18.05%
Salary with Other Bank 18.05%
NTC/No CIBIL/-1 Salary With CRGB Term Loan 12.55%
Overdraft limit 12.55%
Salary with Other Bank 13.55%
Personal Loan to Lower Income Group Employee (Express Credit ) Having Minimum Salary Rs. 1000/- Per Month 13.05%
In Case where the Borrower is covered with the Life Insurance (other than ULIP) of Total Loan Amount or above for the entire loan term a concession of 0.50% will be applicable in ROI for all the Borrowers.
CRGB Pension Loan CRGB Pensioners/ CRGB Family Pensioners 10.75%
For Other Pensioners 13.25%
Loan for Roof Top Solar Upto 3 KW Solar Installation 6.75%
For Our Bank Home Loan Customers-
Above 3 KW Solar Installation 		8.00%
For Non Home Loan Customers-
Above 3 KW Solar Installation 		8.50%
Gold loan Under P- Segment Demand Loan 9.65%
Overdraft limit 10.15%
Motor Cycle Loan for Public - 13.25%
Demand Loan / Overdraft Limit Against STDR/TDR/RD 1.00% above the relative time deposit rate
Against third party STDR/TDR 1.50% above the relative time deposit rate
NSC/KVP/LIC (Margin 35%) 11.25%
No excess Drawing Allowed, In Case of excess Drawing Interest Rate at 18.00% will be charged on the excess drawn portion.
Education Loan Upto Rs. 7.50 Lakh 9.95%
above Rs. 7.50 Lakh 9.95%
Clean Over-draft - 17.75%
Home Equity Loan CIBIL Score Above 700 and upto 750 10.25%
CIBIL Score Above 750 9.75%
SME Segment (SME- Segment) 
Mudra Transport Loan, Business Loan (Shishu, Kishor, Tarun, and Tarun Plus (Tarun Plus amount up to ₹20.00 lakh)) and SME Loans All amounts up to 10.00 lakh 10.00%
SME loan amount above 10.00 lakh and up to 1.00 crore - From 9.55% to 11.05%, based on risk based score
SME loan amount above 1.00 crore - From 9.55% to 11.05%, based on risk based rating
SME Gold Loan Term Loan 8.45%
Overdraft Limit 9.45%
CRGB Home Stay Term Loan 9.50%
Overdraft Limit 9.50%
** If first applicant is male then additional 0.50% charged in interest rate.
SME CAR SME-CAR-CIBIL>775 8.40%
SME-CAR-CIBIL - 757 to 774 8.40%
SME-CAR-CIBIL - 721 to 756 8.55%
SME-CAR-CIBIL - 700 to 720 8.90%
SME-CAR-CIBIL - 600 to 699 8.90%
SME-CAR-CIBIL - No Score 8.65%
Agriculture Segment (AGRI-Segment)
Farmer 4 Wheeler Loan(ATL) - 10.15%
Gold loan Under Agri- Segment Demand Loan 8.45%
Overdraft limit 9.45%
Two Wheeler Loan for Farmer - 11.25%
Rice Mill Upto Rs. 10.00 Lakh Term Loan As per SME Risk based pricing
Cash Credit Limit
Above Rs. 10.00 Lakh Term Loan
Cash Credit Limit
Tractor Loan Upto Rs. 5.00 Lakh 10.15%
Above Rs.5.00 Lakh 10.65%
Dairy Upto Rs. 2.00 Lakh 10.15%
Above Rs. 2.00 Lakh 10.65%
All other ATL Upto Rs. 2.00 Lakh 10.15%
Above Rs. 2.00 Lakh 10.65%
Asset Based Agri Loan (ABAL) 9.75%
Capital Investment Subsidy Rural Godown - 10.25%
Agriculture Infrastructure Fund (AIF) Rs. 2.00 Crore 9.00%
Above Rs. 2.00 Crore As Per SME Risk Based Pricing
CRGB KISAN GOLD CARD CIBIL Score 720 and above 10.25%
CIBIL Score Below 720 10.75%
NO Score/-1/NTC Score 10.75%
CRGB दुग्ध क्रांति ऋण योजना - 9.00%
KISAN SAMRIDDHI RIN Loan Upto Rs.1.00 Crore 9.75%
Loan above Rs.1.00 Crore Risk Based Pricing of HIGH Value Loan (SME) Applicable
Scheme Slab Bank Normal Rate of Interest (p.a.) Concessional Rate of Interest (p.a.)
NRLM/SHG Upto Rs.3.00 Lakh 11.50% 7.00%
Above Rs. 3.00 Lakh and upto 5.00 Lakh 12.50% 7.50%
Above Rs. 5.00 Lakh 12.50% N.A.
NULM SHG - 12.50% N.A.
Short term Crop Loan / Warehouse Receipt Upto Rs.3.00 Lakh Limit-1 (Crop Component + 10% towards Post Harvest Expenses) 8.50% 7.00%
Upto Rs.3.00 Lakh Other than Limit-1 12.00% N.A.
Above Rs.3.00 Lakh 12.00% N.A.
KCC to Fisheries and Animal Husbandry Upto Rs. 2.00 Lakh 8.50% 7.00%
Above Rs. 2.00 Lakh 12.00% N.A.