Loan Interest Rates
REVISED LENDING RATES
| Sector | Product | Max. Tenure | Floating | Floating Reset – 5yrs | Fixed Rate |
|---|---|---|---|---|---|
| Agriculture & livestock | AGRICULTURE- TERM | 30 | 8.32% | 9.35% | 10.85% |
| AGRICULTURE– WORKING CAPITAL | 1 | 8.32% | – | – | |
| Forestry & Logging | FORESTRY & LOGGING- TERM LOAN | 15 | 8.32% | – | – |
| FORESTRY & LOGGING– WORKING CAPITAL | 1 | 8.32% | – | – | |
| Mining & Quarrying | MINING & QUARRYING | 30 | 10.87% | 10.50% | 12.72% |
| FERRO SILICON- TERM LOAN | 30 | 11.00% | – | – | |
| FERRO SILICON- WORKING CAPITAL | 1 | 11.00% | – | – | |
| Production & Manufacturing | MANUFACTURING- TERM LOAN | 30 | 9.98% | 10.74% | 12.72% |
| WCL– MANUFACTURING/INDUSTRY | 1 | 9.97% | – | – | |
| MANUFACTURING– HYDRO POWER TERM LOAN | 30 | 10.50% | 9.80% | 10.28% | |
| MANUFACTURING– RENEWABLE ENERGY -TERM LOAN | 30 | 8.90% | 9.40% | 9.45% | |
| MANUFACTURING– BRIDGE/TEMPORARY LOAN | 1 | 13.00% | – | – | |
| Trade & Commerce | TRADE & COMM– EXPORT PACKAGING CREDIT | 1 | 9.50% | – | – |
| TRADE & COMM– HIRING UNITS-MACHINERY | 5 | 9.95% | – | – | |
| TRADE– TERM LOAN | 30 | 10.21% | 10.76% | 12.36% | |
| TRADE & COMM– WHOLESALE AND RETAIL | 1 | 11.14% | – | – | |
| TRADE– WC FOR BUSINESS | 1 | 9.23% | |||
| Hotel & Tourism | HOTEL/RESORT/RESTAURANT | 30 | 8.93% | 10.33% | 12.02% |
| TOURISM WORKING CAPITAL | 1 | 9.99% | – | – | |
| Service | SERVICE- HOSPITALITY/ENTERTAINMENT/RECREATIONAL | 30 | 8.50% | 11.40% | 12.75% |
| SERVICE– IT RELATED BUSINESS | 30 | 8.50% | 10.04% | 11.38% | |
| SERVICE– SETTING UP OF INSTITUTIONS | 30 | 8.50% | 10.39% | 11.72% | |
| SERVICE WCL– WORKSHOPS AND AUTOMOBILES | 1 | 11.66% | – | – | |
| SERVICE– WORKSHOPS AND AUTOMOBILES | 15 | 11.66% | – | – | |
| SERVICE– OTHERS | 30 | 9.99% | – | – | |
| SERVICE– BRIDGE/TEMPORARY LOAN | 1 | 13.00% | – | – | |
| AVIATION SERVICE | 30 | 9.99% | – | – | |
| Contract Based | CONTRACTORS AND SUPPLIERS | 2 | 10.30% | – | – |
| Housing | HOUSING- NON-COMMERCIAL | 40 | 8.28% | 9.94% | 10.75% |
| HOUSING– COMMERCIAL | 40 | 9.95% | 10.66% | 12.90% | |
| REAL ESTATE LOAN | 30 | 8.93% | 10.66% | 12.90% | |
| Transport | TRANSPORT– COMMERCIAL | 5 | 9.50% | – | – |
| TRANSPORT– NON-COMMERCIAL | 5 | 9.44% | – | – | |
| TRANSPORT(TOURISM) | 5 | 8.50% | – | – | |
| PUBLIC TRANSPORT | 7 | 9.72% | 11.81% | 12.73% | |
| WCL – TRANSPORT OPERATORS | 1 | 9.99% | – | – | |
| Personal | PERSONAL– CONSUMER LOAN (SALARY BASED) | 7 | 8.45% | – | – |
| PERSONAL– MORTGAGE (LOANS AGAINST IMMOVABLE ASSETS) | 5 | 9.27% | – | – | |
| PERSONAL– OTHERS | 1 | 8.45% | – | – | |
| PERSONAL– GOLD LOAN | 10 | 9.00% | – | – | |
| Loans for Shares & Securities | LOAN AGAINST SHARES | 5 | 10.77% | 12.14% | 12.95% |
| LOANS FOR PURCHASE OF SHARES/SECURITY | 15 | 10.85% | 12.16% | 13.46% | |
| Education Loan | EDUCATION– STUDENT LOAN | 10 | 8.13% | 9.80% | 10.59% |
| SPECIAL EDUCATION LOAN– SECURED | 5 | 7.40% | – | – | |
| SPECIAL EDUCATION LOAN– UNSECURED | 5 | 8.40% | – | – | |
| Medical Loan | MEDICAL LOAN | 7 | 8.20% | – | 10.59% |