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Fixed Deposit

7 %

Individual (366 Days)

7%

Senior Citizen (366 Days)

Interest Rate Details

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Loan & Advances Rate Details

Interest Rates on Advances with Effective From Date  24/11/2023 

Type of Advances & Loans Interest Rate %
For  Advances Account   
Gold Overdraft 9.00
Hypothecation  (HCC) 9.25 to 10.25
Overdraft Against Property (POD) 13.00
Un Secured Overdraft (UN.OD) 16.00
Business Cash Credit (BCC) 9.50 to 10.50
Overdraft against Fix Deposit (FDOD) FD interest rate + 1 %
For Loan Accounts :---  
Hire Purchase Loan (HP) 9.00 to10.00
Gold Loan 9.00
Home Loan 8.50 to 10.00
Business Loan 11.00 to 12.00
Bhagyalaxmi  Loan / Secured Surity Loan 16.00
Milkat Loan 13.00
Loan Against Fix Deposit FD interest rate + 1 %
Loan Against NSC / KVP 12.00%

*HCC, BCC, HP Loan, Business Loan, Home Loan માટે  CIBIL Report ને આધીન વ્યાજ દર નીચે મુજબ રહેશે.   

CIBIL Score HCC Limit BCC Limit H.P. Loan Business Loan* Home Loan
750 કે તેથી વધુ માટે 9.25% 9.50% 9.00% 11.00% 8.50%
701 થી  749  માટે 9.75% 10.00% 9.50% 11.50% 9.00%
700  કે તેથી ઓછા માટે 10.25% 10.50% 10.00% 12.00% 10.00%

નોંધ  :  સિબિલ સ્કોર જામીન દરજ્જે ઓછો થયો હોય તો સિબિલ સ્કોર ૨૫ વધુ ગણવામાં આવશે