Rate of Interest

Rate of Interest for New Loans & Advances (wef from : 01/06/2023 )

 
Scheme Slab Rate of Interest (p.a.)
     
  Personal Segment (P- Segment)  Floor Rate (F.R.) : 8.40%  
     
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 `25.00 Lakh 9.35%
Above `25.00 Lakh 9.50%
Loan Against Property (LAP) /

Personal Loan Plus (PL+)

 Term Loan 10.40%
Overdraft Limit 11.40%
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.
     
Kisan Car Loan (P-Segment) CIBIL Score 775 and Above 8.65%
CIBIL Score 757 and Above upto 774 8.65%
CIBIL Score 721 and Above upto 756 8.80%
CIBIL Score 700 and Above upto 720 9.15%
CIBIL Score 650 and Above upto 699 9.15%
NTC/No CIBIL/-1 8.90%
  • 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 750 or above Personal loan with check-off facility and salary payment through CRGB Term Loan 12.25%
Overdraft limit 12.25%
Personal loan (without check-off  facility) 13.00%
CIBIL Score below 750 Personal loan with check-off facility and salary payment through CRGB Term Loan 13.00%
Overdraft limit 13.00%
Personal loan (without check-off  facility) 14.00%
Personal loan to Lower Income Group Employee (Express credit) 13.50%
CRGB Pension Loan CRGB Pensioners/ CRGB Family Pensioners 10.50%
  For Other Pensioners 13.00%
Gold loan Under “P” Segment Demand Loan 9.40%
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%
Education Loan Upto `7.50 Lakh 12.40%
above `7.50 Lakh 10.40%
Solar Home Lighting - 12.40%
Clean Over-draft - 18.00%
SME Segment (SME- Segment)  Floor Rate (F.R.) : 10.00%
Term Loan :- Small Business, SSI, Traders, Professional and Self-Employed, Rural Artisans Upto `10.00 Lakh 10.00%
  Above `10.00 Lakh 10.50%

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

 

 Upto `10.00 Lakh 10.00%
Above `10.00 Lakh 10.50%
CRE Loans - 11.00%
Non Priority SME Loans All SME Loans (CC/TL) 13.00%
SME Gold Loan Term Loan 8.90%
Overdraft Limit 9.90%
SME ABAL Term Loan 10.50%
Overdraft Limit 10.50%

 

Transport Operator

 

 

 

 Upto `10.00 Lakh CIBIL Score 720 and Above 10.00%
CIBIL Score 660 and Above but less than 720 10.00%
Above `10.00 Lakh CIBIL Score 720 and Above 10.00%
CIBIL Score 660 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%
Agriculture Segment (AGRI-Segment) Floor Rate (FR) - 8.50%
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 `10.00 Lakh Term Loan 10.00%
Cash Credit Limit 10.50%
Above `10.00 Lakh Term Loan 10.50%
Cash Credit Limit 11.00%
ATL for Salaried Farmer

Other Salaried Employee

 

 CIBIL Score 750 or above – With Checkoff 11.00%
CIBIL Score 750 or above – Without Checkoff 11.00%
CIBIL Score below 750 – With Checkoff 11.00%
CIBIL Score below 750 – Without Checkoff 11.00%
SECL Employee 12.50%
Lower Income Group Employee (Express Credit) 12.00%
Tractor Loan Upto `5.00 Lakh 10.40%
Above `5.00 Lakh 10.90%
Dairy Upto `2.00 Lakh 10.40%
Above `2.00 Lakh 10.90%
All other ATL Upto `2.00 Lakh 10.40%
Above `2.00 Lakh 10.90%
Asset Based Agri Loan (ABAL) - 10.40%
Capital Investment Subsidy Rural Godown - 10.40%
Agriculture Infrastructure Fund (AIF) Upto `2.00 Crore 9.00%
Above `2.00 Crore 10.50%
Scheme Slab Bank Normal Rate of Interest (p.a.) Concessional Rate of Interest (p.a.)
NRLM/SHG Upto `3.00 Lakh 11.50% 7.00%
Above `3.00 Lakh and upto 5.00 Lakh 12.50% 7.50%
Above `5.00 Lakh 12.50% N.A.
NULM SHG - 12.50% -
Short term Crop Loan / Warehouse Receipt

Upto `3.00 Lakh

Limit-1 (Crop Component + 10% towards Post Harvest Expenses)		 8.50% 7.00%
Upto `3.00 Lakh Other than Limit-1 12.00% N.A.
Above `3.00 Lakh 12.00% N.A.
KCC to Fisheries and Animal Husbandry Upto `2.00 Lakh 8.50% 7.00%
Above `2.00 Lakh 12.00% N.A.