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Interest Rates

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Inoperative CASA Accounts as on 31.03.25

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Interest Rates on Loans

Rates of interest applicable for various categories of Loans are as under (with effect from 01-10-2023)

Sl. No. Category Rate of interest
%

A.

Term Loans & Mortgage Loans

 A+ 12
A - 13.00
B - 14

B.

Secured Overdrafts

 14.00

C.

Cash Credit

 14.00

D.

Misc. Loans

  
 

Vehicle Loans (Upto Rs. 5.00 lakh)

 12.00
 

Vehicle Loans (Above Rs. 5.00 lakh)

 12.00
 

Housing Loans

 12.00
 

Loan against NSC/KVP/LIC Policy etc.

 11.00
 

Consumer Durable Loans

 14.00
 

Revolving Vehicle Loans

 12.00
 

Loan / Limit to Real Estate

 14.00
 

D L / OD Limit Against Deposit {To Self ( Deposit Rate +)}

 +1.00
 

D L / OD Limit against deposit{Third party ( Deposit Rate +)}

 +1.50
 

S O D against Gold / Jewelry

 12.00
 

Vardhaman Smart Gold Loans (One Year)

 9.75
 

Vardhaman Short Term Gold Loans (6 Months)

 9.75
Rate of Interest are subject to change from time to time.