Rate of Interest

Rate of Interest for New Loans & Advances (wef from : 20/12/2023 )

 
Scheme Slab Rate of Interest (p.a.)
Personal Segment (P- Segment) 
Home Loan CIBIL Score 800 and Above 8.75 %
CIBIL Score 750 and Above upto 799 8.75 %
CIBIL Score 700 and Above upto 749 8.90 %
CIBIL Score 650 and Above upto 699 9.20 %
CIBIL Score 600 and Above upto 649 9.40 %
NTC/No CIBIL/-1 9.10 %
  •  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 9.15%
CIBIL Score 750 and Above upto 799 9.25%
CIBIL Score 700 and Above upto 749 9.35%
CRGB Realty Upto Rs. 25.00 Lakh 9.35%
Above Rs. 25.00 Lakh 9.50%
Loan Against Property (LAP) / Personal Loan Plus (PL+) Term Loan 10.50%
Overdraft Limit 11.50%
Car Loan
CIBIL Score 775 and Above 8.75 %
CIBIL Score 757 and Above upto 774 8.75 %
CIBIL Score 721 and Above upto 756 8.90 %
CIBIL Score 700 and Above upto 720 9.25 %
CIBIL Score 650 and Above upto 699 9.25 %
NTC/No CIBIL/-1 9.00 %
  • 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.
  • If Individual Car is given in the name of Company/Firm - 0.50% additional Rate applicable.
Personal Loan CIBIL Score 800 and  above Salary With CRGB Term Loan 11.00%
Overdraft limit 11.00%
Salary with Other Bank 12.00%
CIBIL Score 750 and above upto 799 Salary With CRGB Term Loan 11.50%
Overdraft limit 11.50%
Salary with Other Bank 12.50%
CIBIL Score 700 and above upto 749 Salary With CRGB Term Loan 12.00%
Overdraft limit 12.00%
Salary with Other Bank 13.00%
CIBIL Score 650 and above upto 699 Salary With CRGB Term Loan 13.50%
Overdraft limit 13.50%
Salary with Other Bank 14.50%
CIBIL Score 600 and above upto 649 Salary With CRGB Term Loan 18.00%
Overdraft limit 18.00%
Salary with Other Bank 18.00%
NTC/No CIBIL/-1 Salary With CRGB Term Loan 12.50%
Overdraft limit 12.50%
Salary with Other Bank 13.50%
Personal Loan to Lower Income Group Employee (Express Credit ) Having Minimum Salary Rs. 1000/- Per Month 13.00%
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 11.00%
For Other Pensioners 13.50%
Gold loan Under P-� Segment Demand Loan 9.90%
Overdraft limit 10.40%
Motor Cycle Loan for Public - 13.50%
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%) 11.50%
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 10.40%
above Rs. 7.50 Lakh 10.40%
Clean Over-draft - 18.00%
SME Segment (SME- Segment) 
Term Loan :- Small Business, SSI, Traders, Professional and Self-Employed, Rural Artisans Upto Rs.10.00 Lakh 10.00%
Above Rs. 10.00 Lakh 10.50%

Cash Credit Limit - Small Business, SSI, Traders, Professional and Self-Employed, Rural Artisans

 

 Upto Rs. 10.00 Lakh 10.00%
Above Rs. 10.00 Lakh 10.50%
CRE Loans - 11.00%
Non Priority SME Loans All SME Loans (CC/TL) 11.00%
SME Gold Loan Term Loan 8.90%
Overdraft Limit 9.90%
SME ABAL Term Loan 10.50%
Overdraft Limit 10.50%
Transport Operator Upto Rs.10.00 Lakh CIBIL Score 720 and Above 10.00%
CIBIL Score 600 and Above but less than 720 10.00%
Above Rs. 10.00 Lakh CIBIL Score 720 and Above 10.00%
CIBIL Score 600 and Above but less than 720 11.00%
Loan Against Rent (LAR) Term Loan 11.00%
Overdraft Limit 12.00%
PMJDY OD Account - 10.00%
In case of non-avaiIability of Udyam Adhaar, interest rate be charged will be charged as per the non-priority SME loans. (Currently 11.00% )
Agriculture Segment (AGRI-Segment)
Farmer 4 Wheeler Loan(ATL) - 10.40%
Gold loan Under Agri� Segment Demand Loan 8.90%
Overdraft limit 9.90%
Two Wheeler Loan for Farmer - 11.50%
Rice Mill Upto Rs. 10.00 Lakh Term Loan 10.00%
Cash Credit Limit 10.50%
Above Rs. 10.00 Lakh Term Loan 10.50%
Cash Credit Limit 11.00%
Tractor Loan Upto Rs. 5.00 Lakh 10.40%
Above Rs.5.00 Lakh 10.90%
Dairy Upto Rs. 2.00 Lakh 10.40%
Above Rs. 2.00 Lakh 10.90%
All other ATL Upto Rs. 2.00 Lakh 10.40%
Above Rs. 2.00 Lakh 10.90%
Asset Based Agri Loan (ABAL) 10.40%
Capital Investment Subsidy Rural Godown - 10.40%
Agriculture Infrastructure Fund (AIF) Rs. 2.00 Crore 9.00%
Above Rs. 2.00 Crore 10.50%
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.