Interest Rates on Advances offered by the Bank

Name of Scheme / Sector Slab of sanctioned Amt. (if any) ROI (% p.a.)
w.e.f.
02.12.2024
1. AGRICULTURAL LOANS
1.a). Crop Loans* including Kisan Credit
Card & JLG/KCC(AH)/KCC(Fisheries)* Up to Rs. 3 Lakh 7.00
(Where NIL consumption maintenance is
sanctioned and Interest Subvention is Above Rs. 3 Lakh 12.00
available)
1.b). Crop Loans* including Kisan Credit A. For sanction upto Rs. 0.65 Lakh
Card & JLG/ KCC(AH)/KCC(Fisheries)* i. Crop Loan component = Rs. 0.50
Lakh @ 7.00% 7.92
(Where consumption & maintenance has ii. Consumption & Maintenance = Rs.
been sanctioned and Interest Subvention is 0.15 lakh @ 11.00%
available i.e. account is regular and timely B. For Sanction upto Rs. 3.90 Lakh
rolled over) i. Crop Loan component = Rs. 3.00
Lakh @ 7.00% 8.15
ii. Consumption & Maintenance = Rs.
0.90 lakh @ 12.00%
C. For Sanction above Rs. 3.90 Lakh
12.00
For whole Limit
1.c). Crop Loans** including Kisan Credit
Card & JLG/ KCC(AH)/KCC(Fisheries)** A. For outstanding up to Rs. 3 Lakh 10.00

Where account is not linked with AADHAR

and therefore is not eligible under KCC –ISS B. For outstanding above Rs. 3 Lakh 12.00
Scheme (Interest Subvention Scheme)
1.d). Crop Loan/KCC(AH)/ KCC(Fisheries)
Up to Rs. 0.50 Lakh 11.00
(Where subvention is not available i.e. A/c is
overdue/not rollover)/Converted Term
Loan/It is part of Consumption/ Above Rs. 0.50 Lakh 12.00
Maintenance of KCC
1.e). Tractor and other Agricultural
Implements/Agriculture Mechanization/ Upto Rs. 10.00 Lakh 10.50
Custom Hiring Centre (Sub Mission
Controlled by GOI)/ Agri-Junction (Trained Above Rs. 10.00 Lakh 10.00
Agriculturist)
1.f). Rural Godowns/Cold Storage 10.50
1.g). Minor irrigation / Land
Development /Agri Land purchase /
11.00
Biogas etc.

1.h). Solar Pump Set/ Aryavart Krishi

Urja Scheme (PM KUSUM) 11.00

1.i). Allied activities:

Dairy, Goat rearing, Piggery, Fishries, Upto Rs. 10.00 Lakh 11.25
Beekeeping, Poultry, Vermi compost,
Hatchery, etc. Above Rs. 10 Lakh 11.00

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1.j). Other schemes
Loans against storage receipts, NLM-EDEG Upto Rs. 10.00 Lakh 11.25
/ACABC (Agri-clinic Agri-business),
Floriculture, Green House, FPO/FPC etc. Above Rs. 10 Lakh 11.00
1.k). Two wheeler Loan to farmers 11.00
1.l). Agri Annapurna Yojna As per point no. 3.h). under RETAIL LOANS Cibil
Personal Score based
1.m). Agri Mortgage For Reducing Limit 11.00
For Non-Reducing Limit 11.00
1.n). Rural Housing Finance Scheme Up to 1.00 Lakh 10.00
(Gramin Awas Rin Yojna) Above 1.00 Lakh 10.50
1.o). SHG – Agri/ NRLM- Agri For Loans o/s upto Rs. 3.00 Lakh 7.00
For Loans o/s above Rs. 3.00 Lakh &
10.00
upto Rs. 5 Lakh
For Loans o/s above Rs. 5.00 Lakh 12.00
1.p). Schemes under Watershed and Wadi Cost of fund as at the end of FY 2023-
Cost of fund
Projects 24 as per circular no. 03/268 dated
+2%
14.03.2022
1.q). Agriculture Infrastructure Fund 9.00
1.r). Aryavart Kisan Tatkal Loan Scheme 11.00

INTEREST RATES FOR SCHEMATIC RETAIL LOANS & MSME

Name of Scheme / Sector Slab of sanctioned Amt. (if any) ROI (% p.a.)
w.e.f. 02.12.2024
2. SSI /MSME MANUFACTURING & SERVICE
2.a). Term Loan / CC/OD including Up to 0.50 Lakh 9.35
SRTO
Above 0.50 Lakh to 10.00 Lakh 11.25
Above 10.00 Lakh 11.00
2.b). Pradhan Mantri MUDRA Yojna
(Cards under SCC/ACC Up to 0.50 Lakh 9.35
/GCC/WCC/WECC & Term Loan
under Krishak Sathi), Pradhan Mantri
Weaver Mudra Scheme Above 0.50 Lakh 11.25
& JLG (SME)/ Aryavart Sakhi Yojna
2.c). SHG / Weavers Group (SME)/ For Loans o/s upto Rs. 3.00 Lakh 7.00
NRLM(SME)
For Loans o/s above Rs. 3.00 Lakh &
10.00
upto Rs. 5 Lakh
For Loans o/s above Rs. 5.00 Lakh 12.00
2.d). C&IC Advances to entrepreneurs 13.25
2.e). DRI 4.00
2.f). Emergency Credit Line under
ECLGS 11.00

2.g). Working Capital to Street Initial sanction upto Rs 10,000/-

Vendors under PM SVanidhi Scheme (further enhanced to maximum 9.00
ceiling of Rs. 50,000/-)
2.h). COVID-19 Emergency Working
Upto Rs. 5.00 Lakh 9.00
Capital

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Cir. ref. 01/348 dtd. 26.03.2020
2.i) PM Vishwakarma Loan
13.00
(TL for Artisans)
2.j). Aryavart Dhanwantri SME Loan 10.50
2.k). PMFME Scheme 9.00

Name of Scheme / Sector Slab of sanctioned ROI (% p.a.)

Amt. (if any) w.e.f. 02.12.2024
3. RETAIL LOANS
3.a). Housing Loan Scheme CIBIL Personal Score
Govt. All
Aryavart Awas Rin/Pradhan Mantri Awas Yojna Employees Others
(Nagriy) CIBIL-Personal Score of 8.30 8.30
825 and above
CIBIL-Personal Score 8.40 8.40
between 800 to 824
CIBIL-Personal Score 8.55 8.60
between 760 and 799
CIBIL-Personal Score 8.70 8.75
between 725 and 759
CIBIL-Personal Score 8.75 8.85
between 675 and 724
CIBIL-Personal Score 10.55 10.70
below 675 (Women)
CIBIL-Personal Score 10.60 10.75
below 675 (Others)
CIBIL-Personal Score of - 8.55 8.90
1 and 0
3.a.i.). Housing Loan Scheme 9.05% if applicable RoI is less than 9.05%
Aryavart Awas Rin/Pradhan Mantri Awas Yojna If Higher Interest Rate (>9.05%) is being applied
(Nagriy) Non Cibil Based RoI then same will continue.
3.b). Aryavart Top –up Home Loan Interest on Housing Loan (Aryavart Awas Rin
Yojna) in same score slab +1%
Up to 10.00 Lakh 10.45
3.c). Education Loan (Study in India/Abroad)
Above Rs. 10.00 Lakh 11.25
3.d). Scholar Loan Scheme – Education 8.50
3.e). Aryavart Autofin Scheme i) For Four Wheeler
Govt. All
CIBIL Personal Score
Employees Others
CIBIL-Personal Score of 8.65 8.75
825 and above
CIBIL-Personal Score 8.70 8.80
between 800 to 824
CIBIL-Personal Score 8.75 8.85
between 760 and 799
CIBIL-Personal Score 8.85 8.95
between 725 and 759
CIBIL-Personal Score 8.95 9.05
between 700 and 724
CIBIL-Personal Score 9.05 9.15
between 675 and 699
CIBIL-Personal Score 10.65 10.75
below 675
CIBIL-Personal Score of - 8.75 9.15
1 and 0
ii) For Two Wheeler 10.50

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 iii) For other than individuals
Commercial Cibil Score Interest Rate
CMR-3 & Better 8.85
CMR-4 & CMR-5 8.85
CMR-6 onwards 10.00
No CMR* available 10.00
*Applicable to those who have no previous financial
history.
3.f). Aryavart Dhanwantri Scheme: i) For Four Wheeler – Individuals
- As per scheme applicable ROI will be 25bps less CIBIL Personal Score
Govt. All
than that is applicable for Aryavart Autofin Yojna Employees Others
(Point No. 3.e). CIBIL-Personal Score of 8.40 8.50
825 and above
CIBIL-Personal Score 8.45 8.55
between 800 to 824
CIBIL-Personal Score 8.50 8.60
between 760 and 799
CIBIL-Personal Score 8.60 8.70
between 725 and 759
CIBIL-Personal Score 8.70 8.80
between 700 and 724
CIBIL-Personal Score 8.80 8.90
between 675 and 699
CIBIL-Personal Score 10.40 10.50
below 675
CIBIL-Personal Score of - 8.50 8.90
1 and 0

ii) For Two Wheeler 10.50

iii) For other than individuals
Commercial Cibil Score Interest Rate
CMR-3 & Better 8.85
CMR-4 & CMR-5 8.85
CMR-6 onwards 10.00
No CMR* available 10.00
3.g). Mortgage OD / Loan For Reducing Limit 11.00
For Non Reducing 11.50
Limit
3.h). Term Loan / Overdraft / Personal Loan / For borrowers who 9.80
Annapurna Yojna / Aryavart Suvidha Yojna / have availed home
Aryavart Suvidha Savadhi Rin Yojna loan (Aryavart Awas
Rin Yojna) from our
bank
CIBIL Personal Score Interest rate
CIBIL > 800 9.95
CIBIL 750-799 10.80
CIBIL 700-749 11.45
CIBIL < 700 11.70
CIBIL -1 and 0 11.30
3.i). Aryavart Dhanwantri (Personal Loan) CIBIL Personal Score Interest rate
CIBIL > 800 9.45
CIBIL 750-799 10.30
CIBIL 700-749 10.95
CIBIL < 700 11.20
CIBIL -1 and 0 10.80

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3.j). Aryavart Suvidha Savadhi Rin Yojna for
arranging of drinking water and construction / 11.00
repair of toilets
3.k). Clean Loan to Pensioners of the Bank 11.50
3.l). Consumer Loan To public Secured 13.75
Unsecured 14.75
3.m). Solar Lighting System 11.25
3.n). Loan for Branch Premises 12.25
3.o). Loan to pensioners/Acharyahit Yojna 11.50
3.p). Retail Loan against Lease Rentals on a. For Landlords of our Branch premises – 10.00
property b. For proponents having lease agreements with
MNCs/PSUs/Banks/Corporates – 12.00
c. Proponents having lease agreement with other
eligible lessees – 13.00
3.q). Aryavart Roof Top Solar Loan under PM Suryaghar Muft Bijli Yojna
3.q.i) Upto 3 KW – Individuals RBLR of Sponsor Bank (9.35%) less 2.35% i.e.
7.00 %
3.q.ii) 3KW to 10KW- Individuals For Home Loan For Non Home Loan
Customers Customers
Same as applicable to Home Loan ROI (Cibil
new Home Loans Personal Score Linked
(Cibil Personal Score ROI) as per Point No.
Linked ROI) as per 3.a) + 1.00 %, subject to
Point No. 3.a) minimum RBLR
(9.35%). i.e. if CIBIL
Personal Score Linked
ROI is below 9.35%
then ROI to be
considered will be
9.35%.
3.q.iii) Registered group housing societies / RBLR+ CRP of 2.50% i.e.
residential welfare associations.
9.35+2.50= 11.85% p.a.

3.r). COVID-19 Emergency Personal Loan For Salaried 10.75

Borrowers
For Housing Loan 9.00
Borrowers
4. OTHER LOANS
4.a). Loan against TDR Over the deposit Rate +1.00%
4.b). Third Party loan against TDR Over the deposit Rate +2.00%
4.c). Loan /overdraft against NSC,KVP,LIC 11.50
policies
4.d.) Discounting of Future Cash Flows a. For Landlords of our Branch premises – 10.00
& b. For proponents having lease agreements with
Discounting of Lease Rentals of Landlords of MNCs/PSUs/Banks/Corporates – 12.00
our Branch Premises (C&IC Segment) c. Proponents having lease agreement with other
eligible lessees – 13.00

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 RoI UNDER MoU SCHEMES WITH NSFDC/NBCFDC/NDFDC/NSKFDC
Suggested RoI will be applicable on accounts sanctioned under different target group schemes
sponsored by NSFDC/NBCFDC/NDFDC/NSKFDC etc. on the following grounds-
i. Scheme must be in force while sanctioning of the account. Branch Manager should confirm
the continuity of the particular scheme from RO/HO/ before accepting and sanctioning the
loan.
ii. Accounts sanctioned under the scheme must be regular and assumed to be fully
repaid/closed in allowed repayment period. If any such account remains overdue/NPA even
after completing allowed repayment period then after allowed repayment period account
must be charged with RoI applicable on similar scheme for general public/borrower.

Therefore Branch Manager to ensure application of correct RoI in various Target Group
Scheme loan accounts. Branch Auditors also ensure to cross check the same during the audit
of the Branches.
I. National Safai Karmachari Finance & Development Corporation (NSKFDC)
S. Name of the scheme Slab RoI (%p.a.) w.e.f Period
No. 01.04.2024
1. Mahila Samridhi Upto Rs.1.00 Lakh 6% p.a. 3 years*
Yojana (MSY)
2 Mahila Adhikarita Upto Rs.2.00 Lakh 7% p.a. 5 years *
Yogana (MAY)
3 Micro Credit Finance Upto Rs.1.00 Lakh 7% p.a. 3 years*
(MCF)
4 General Term Loan Upto Rs.10.00 Lakh 8% p.a. 10 years*
(GTL) Above Rs.10.00 9% p.a.
Lakh &
upto Rs.15.00 Lakh
5 6% p.a. 5 years after co-
Education loan (EL) Upto Rs.10 Lakh (0.5% rebate for termination of course
women) with moratorium period
Upto Rs.20.00 Lakh 7% p.a. of one year.
(For study in (0.5% rebate for
abroad) women)
6 Scheme for “Pay and Upto Rs.25.00 Lakh 8% 10 years**
use” community
toilets
7 Sanitary Marts Upto Rs. 15.00 Lakh 7% p.a. 10 years*
Scheme
8 Green Business Upto Rs.7.50 Lakh 6% p.a. 10 years***
Scheme Above Rs.7.50 Lakh 7% p.a.
&
upto Rs.15.00 Lakh
Above Rs.15.00 8% p.a.
Lakh &
upto Rs.30.00 Lakh

*After implementation period of 120 days and moratorium of 180 days.

** After implementation period of 180 days and moratorium of 180 days.
*** Including a moratorium period of 180 days.
@1% rebate for women beneficiaries and 0.5% rebate for timely repayment.

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 II. National Scheduled Castes Finance and Development Corporation (NSFDC)
Maximum Loan Interest Rate p.a.
Repayment Moratorium
Scheme Project Cost limit up to 90% w.e.f
Period Period
of Project Cost 19.02.2024
Mahila Samriddhi Yojana Up to Rs.1.40
Rs.1.25 lakh 6% Within 3 years 3 months
(MSY) lakh

Micro-Credit Finance Up to Rs.1.40

Rs.1.25 lakh 6.5% Within 3 years 3 months
(MCF) lakh
Up to Rs.10 6 months except
Suvidha Loan Rs.9 lakh 8% Within 5 years
lakh for plantation and
Above Rs.10 construction
lakh and activities for which
Utkarsh Loan Rs.45 lakh 9% Within 7 years
upto Rs. 50 it will be 12
Lakh months
EDUCATION LOAN
6%
For studies in India, upto Rs.30
(Men) Within 10 years 6 months after
lakh or 90% of course fee,
5.5% for loan upto course completion
whichever is less
Educational Loan (Women) Rs.10 lakh, or getting
Scheme (ELS) 7% Within 12 years employment,
For studies abroad, upto Rs.40
(Men) for loan above whichever is
lakh, or 90% of course fee,
6.5% Rs.10 lakh earlier
whichever is less
(Women)

III. National Backward Classes Finance and Development Corporation (NBCFDC)

Particular Interest Rate p.a. Repayment Period
w.e.f
01.04.2024
I. For income generating activities
(i) Upto Rs. 1.25 Lakh 7% 4 year
(ii) Rs.1.25 Lakh to Rs.15.00 8% 7 year
Lakh
II. For Education
(i) Upto Rs.15.00 Lakh 8% Max. 10 years (inclusive of 5 year
moratorium period)
III. Group Loan Scheme
Rs.1.25 Lakh 6% 3 year
(Max. Rs.15.00 Lakh per
group)
IV. National Divyang Finance and Development Corporation
Scheme Particulars Rate of Interest
Divyangjan Swalamban Yojna
Upto 0.50 Lakh** 5.00
Above 0.50 Lakh upto 5.00 Lakh 6.00
Above 5.00 Lakh upto 15.00 Lakh 7.00
Above 15.00 Lakh upto 30.00 Lakh 8.00
Above 30.00 Lakh upto 50.00 Lakh 9.00
** Rebate of 1% in interest will be allowed to women with disabilities/persons with disabilities
other than OH in self-employment loans upto 50,000/-
Note for all Schemes: Concessions if any proposed over above mentioned RoI to female borrowers or any other category
or case will be available & applicable as suggested in the scheme circular.

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