Type of Rate of Interest Interest Rate
Prime Lending Rate ( PLR) 12.00 %p.a
   
Housing loans  
a. Loans upto Rs 28 Lakhs for women  ( PLR Less 3.75 %)  8.25 % p.a
b Loans upto Rs 28 Lakhs for others  ( PLR Less 3.65 %)  8.35 % p.a
c Loans above Rs 28 Lakhs    ( PLR less 3.05 % ) 8.95 % p.a
   
Personal Vehicle Loan   
a. New Vehicle  ( PLR less 3.25 % ) 8.75 % p.a
b .Second Hand Vehicle ( PLR) 12.00 % p.a
   
Super Bike Loan   
a. For Loans up to Rs. 1.00 Lakh 10.75 % p.a
b.For Loans above Rs. 1.00 Lakh  10.25 % p.a
c. For Citizencredit Salary Account Holders 9.75 % p.a 
   
Loans against Gold/ LIC/ NSC/ Govt Securities 11.50 % p.a
   
Loan/ Overdraft Against Property  ( LAP & OAP)  
   
a. Loan upto Rs 25 Lakhs  ( PLR Plus 2.00 % ) 14.00 % p.a
b. Loan from Rs 25 Lakhs to Rs 1000 Lakhs ( PLR plus 0.25 % ) 12.25 % p.a
   
Reverse Mortgage Loan ( Aashraya) ( PLR less 1.00 % ) 11.00 % p.a
   
Lease Rental Discounting ( PLR)  12.00 % p.a
   
Overdraft against Shares and Units of Mutual Fund ( PLR plus 1.00 % ) 13.00% p.a
   
Loan Against Bank Deposits  
a.  Senior Citizens  1 % above the deposit rate
b. Non Senior Citizen 2% above the deposit rate
c.  Third party deposits 2 % above the deposit rate or PLR whichever is higher 
   
Doctor Care   
a. Upto 84 months  ( PLR less 2.50 % ) 9.50 % p.a
b.  Above 84 months  up to 120 months ( PLR less 0.50 % ) 11.50 % p.a
   
Discounting of Bills under Letter of Credit   
a. For sight LC & Usance LC upto 90 days  ( PLR less 2 % ) 10 .00% p.a
b. For Usance LC above 90 days to 180 days, subject to approval of Managing Director  ( PLR less 1.50 % ) 10.50 % p.a
   
Pragati Scheme Term Loan / Working Capital Linmits ( PLR less 0.25 % ) 11.75 % p.a
   
Education Loan  
a. Unsecured Loan  ( PLR ) 12.00% p.a
b. Secured Loan ( PLR less 1 % p.a ) 11.00% p.a
   
Travel Loan  
a. Unsecured Loan ( PLR plus 1 % p.a ) 13.00 % p.a
b. Secured Loan ( PLR ) 12.00 % p.a
   
Scheme for Commercial Transport Operators  ( PLR Less 1.75 % ) 10.25 % p.a
   
SME / Corporate loans above Rs 1 crore ( based on internal rating) 11.50% p.a to 12.00 % p.a
   
Construction / Real Estate Loans ( PLR plus 2 % p.a to PLR plus 4 % ) 14 % p.a   to 16 % p.a  
   
Penal Interest on overdue advances 2 % above interest rate applicablen to the advance 
 
Saving and term deposit interest rates
 
Savings Bank Deposits w.e.f. January 01, 2017
Savings - Domestic (Regulated) 4.00% p.a (on daily balances product)
Savings - NRO / NRE (Regulated) 4.00% p.a. (on daily balances product)
Savings Bank Interest will be paid of September 30th and March 31st of every Financial Year.
Term Deposits w.e.f. January 01, 2017
RAP30 4.50% p.a.
RAP90 5.75% p.a.
FD365 7.00% p.a.
FD500 7.25% p.a.
Other Term Deposits (New Slabs) 
w.e.f. January 01, 2017
Period of Deposit Percentage
31 days to 180 days 5.75% p.a.
181 days to 270 days 6.25% p.a.
271 days to 1 year 6.75% p.a.
Above 1 year upto 3 years 6.90% p.a.
Above 3 year upto 5 years 6.90% p.a.
NRE FDR, NRE QIRP Term Deposits 
(with effect from January 01, 2017)
Period of Deposit Percentage
1 year (12 months) 6.75%
Above 1 year upto 5 years 6.90%