Loan Interest Rates
REVISED LENDING RATES
| Sector | Product | Max tenor | Floating | Floating reset -5yrs | Fixed rate |
|---|---|---|---|---|---|
| Agriculture | AGRICULTURE-TERM | 15 | 8.17% | 9.35% | 10.85% |
| AGRICULTURE- WORKING CAPITAL | 1 | 9.37% | – | – | |
| Housing | HOUSING-NON-COMMERCIAL | 20 | 7.98% | 9.94% | 10.75% |
| HOUSING-COMMERCIAL | 20 | 8.93% | 10.66% | 12.90% | |
| Personal | |||||
| PERSONAL-CONSUMER LOAN | 5 | 8.50% | – | – | |
| PERSONAL-LOANS AGAINST SHARES | 5 | 10.77% | 12.14% | 12.95% | |
| PERSONAL-MORTGAGE(LOANS AGAINST IMMOVABLE ASSETS) | 5 | 9.27% | – | – | |
| PERSONAL- OTHERS | 1 | 12.99% | – | – | |
| PERSONAL FESTIVAL ADVANCE | 5 | 9.48% | – | – | |
| PERSONAL LADIES PLUS | 3 | 9.37% | – | – | |
| PERSONAL SETTLEMENT LOAN | 2 | 9.67% | – | – | |
| Service | SERVICE-HOSPITALITY/ENTERTAINMENT/RECREATIONAL | 20 | 9.74% | 11.40% | 12.75% |
| SERVICE-IT RELATED BUSINESS | 20 | 8.65% | 10.04% | 11.38% | |
| SERVICE-SETTING UP OF INSTITUTIONS | 20 | 8.72% | 10.39% | 11.72% | |
| SERVICE-TRANSPORT(TOURISM) | 5 | 8.92% | – | – | |
| SERVICE-HOTEL/RESORT/RESTAURANT/ APARTMENT | 20 | 7.94% | 10.33% | 12.02% | |
| SERVICE WCL-WORKSHOPS AND AUTOMOBILES | 1 | 11.66% | – | – | |
| SERVICE-WORKING CAPITAL | 1 | 9.99% | – | – | |
| SERVICE- OTHERS | 5 | 9.99% | – | – | |
| SERVICE – PUBLIC TRANSPORT | 7 | 9.72% | 11.81% | 12.73% | |
| SERVICE – BRIDGE/ TEMPORARY LOAN | 1 | 13.00% | – | – | |
| Trade | TRADE & COMM-EXPORT PACKAGING CREDIT | 1 | 9.50% | – | – |
| TRADE & COMM-HIRING UNITS-MACHINERY | 5 | 9.95% | – | – | |
| TRADE & COMM-CONTRACTORS AND SUPPLIERS | 3 | 10.30% | – | – | |
| TRADE- TERM LOAN | 10 | 10.21% | 10.76% | 12.36% | |
| TRADE & COMM-WHOLESALE AND RETAIL | 1 | 11.14% | – | – | |
| TRADE – WC FOR BUSINESS | 1 | 9.23% | |||
| Transport | TRANSPORT- COMMERCIAL | 5 | 9.20% | – | – |
| TRANSPORT- NON-COMMERCIAL | 5 | 9.44% | – | – | |
| Education | EDUCATION- STUDENT LOAN | 7 | 7.98% | 9.80% | 10.59% |
| Manufacturing | MANUFACTURING | 20 | 9.98% | 10.74% | 12.72% |
| WCL-MANUFACTURING | 1 | 9.97% | – | – | |
| MANUFACTURING- HYDRO POWER TERM LOAN | 20 | 8.00% | 9.80% | 10.28% | |
| MANUFACTURING- RENEWABLE ENERGY -TERM LOAN | 20 | 8.00% | 9.40% | 9.45% | |
| MINING AND QUARRYING | 20 | 10.87% | 10.50% | 12.72% | |
| MANUFACTURING- BRIDGE/ TEMPORARY LOAN | 1 | 13.00% | – | – | |
| Other | PERSONAL-LOANS FOR PURCHASE OF SHARES/SECURITY | 6 | 10.85% | 12.16% | 13.46% |