Rate of Interest for New Loans & Advances (wef from : 01/05/2025 )
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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 % | ||||
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CRGB Home Top Up Loan (HTUL)
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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% | ||||
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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. |