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Interest Rates

Interest Rates for Loan:

 Updated on 02/05/2015

Sl.No.

Type of Loan

Interest Rate

01.

    (a)Personal Surity Loan (DSP)

         i) upto Rs.1,00,000/- & 72 Instalments

         ii) Rs 1,00,001/- to 4,00,000/- and 120 Instalments

 

11.50%

11.50%

         (b)Personal Surity Loan (Other than DSP)
              {upto Rs.50,000/- & 36 Instalments    

 13.00%

         (c)Festival Loan(10 Installments)

 11.50%

02.(I)

House Building Loan (Floating) :

(a) Upto 120 Instalments

                                       7.50%

(b) Above 120 to 240 Instalments

7.60%

(c) For commercial purpose 

11.00%

02.(II).

House Building Loan (Fixed) :

Fixed Interest rate

 

12.50%

03.

(a) Consumption Loan (DSP)

11.50%(Floating)

 (b) Consumption Loan (Other than DSP)
{Maximum Rs.2,00,000/- & 96 Instalments}

                                  13.00%(Floating)

04.

(a) Car / Two Wheeler Loan
{Maximum Instalment 108 for Old/NewTwo Wheeler/Old Four Wheeler)

11.00% (Floating)

12.00% (Fixed)

(b) In case of use of the Vehicle Commercially

      11.00% (Floating)

05.(a)

Education Loan

      (a) For Rs. 1,50,000/-(DSP Members)
     (Maximum Instalment 96)

 

11.50% (Floating)  

05.(b)

Education Loan : (With Gestation Period for Repayment)

(Max. Rs. 15 Lakh in India  20 Lakh outside India)
       (a)  Upto Rs.5,00,000/-

 

9.75% (Floating)

       (b)  Above Rs.5,00,000/-

{Maximum Instalment 96}
Repayment – From 1st month to the end of the course and 06 months thereafter Rs.100/- towards principal loan + Interest due on Loan amount.

9.75% (Floating)

06.

Advance against NSC/KVP/LIC –

   (a) Upto Rs.1,00,000/-
   (b) Above Rs.1,00,000/-

 

 

07.

Cash Credit / Over Draft

 

08.

B.S.K.P. Loan

 

09.

BSL/Term/Mortgage Loan
(Maximum 84 Months)

 

10.

(a) ADDA – T/L

 

(b) DMC – T/L

 

11.

Travelling Incidental Expenses Loan

 

12.

S.H.G.L.

 

13.

B.B.P.L.

 

14.

M.F.L.

 

15.

Service Under 5 years of DSP Members (with Salary)  :

(a) Personal Loan Rs. 1,00,000/-

 

 

(b) Education Loan Rs. 75,000/-

 

(c) Consumption Loan Rs. 1,00,000/-

 

(d) Festival Loan Rs.15,000/-

 

(e) Travlling Incidental Expenses Loan Upto 50,000/-

 

 

(i) Employees, who have completed one year of service, eligible for HBL

 

 

 

 

 

 

 

 

(ii) Employees who have completed two years of service but not yet completed three years of services eligible for Car Loan with 50% Collateral Security
(iii)Employees, who have completed three years of service will be eligible for Car Loan without collateral security.
(iv)Employees, who have joined DSP are entitled to get two wheeler Loan

16

LOAN FOR LAND PURCHASE :
Upto Rs.7,00,000/- for all categories members.

 

17

 

 

 

 NB: Sl No. 01(a)(i) & (ii) the revised rates will be applicable from 15/12/2012.

 

 

Interest Rates for Deposit:

(updated on 05/06/2020)

 

Duration of Deposit

Rate (GENERAL)

Rate (SR. CITIZEN)

07 days to 45 days

3.25%

 3.75%

46 days to 179 days

4.00%

 4.40%

180 days to less than 1 year

4.50%

 5.00%

1 Year to 3 Years

5.80%

 6.30%

3 Years to 5 Years

5.90%

6.40%

Above 5 years to 10 years

6.00%

6.50%

 

 

 

Monthly Income Scheme

   

For 2 Years to 5 Years

5.90%

6.40% 

For 6 years to 10 years

6.00%

6.50%

                                                    

                

 


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