Loan Interest Rates

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 WITHOUT GUARANTOR 5 8.50%
PERSONAL-CONSUMER WITH GUARANTOR 5 8.20%
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%