|
Rate of Interest for New Loans & Advances (wef from : 16/12/2025 )
|
|
Scheme |
Slab |
Rate of Interest (p.a.)
|
| Personal Segment
(P- Segment) |
| Home Loan |
CIBIL Score 800 and Above |
7.50 % |
| CIBIL Score 750 and Above upto 799 |
7.60 % |
| CIBIL Score 700 and Above upto 749 |
7.75 % |
| CIBIL Score 650 and Above upto 699 |
8.05 % |
| CIBIL Score 600 and Above upto 649 |
8.25 % |
| NTC/No CIBIL/-1 |
7.95 % |
- Permanent Govt/Public Sector/MNC Employee's
Salary Account with CRGB and other bank- Concession of 0.25%
available. (Loan Recovery through SI/NACH Mandate Compulsory)
|
|
CRGB Home Top Up Loan (HTUL) |
CIBIL Score 800 and Above |
8.20% |
|
CIBIL Score 750 and Above upto 799 |
8.30% |
|
CIBIL Score 700 and Above upto 749 |
8.40% |
| CRGB Realty |
Upto Rs. 25.00
Lakh |
8.40% |
|
Above Rs. 25.00
Lakh |
8.50% |
|
Loan Against Property (LAP) /
Personal Loan Plus (PL+) |
Term Loan |
9.70% |
|
Overdraft Limit |
10.70% |
| Car Loan |
| CIBIL Score 775 and Above |
8.25% |
| CIBIL Score 757 and Above upto 774 |
8.25% |
| CIBIL Score 721 and Above upto 756 |
8.40% |
| CIBIL Score 700 and Above upto 720 |
8.75% |
| CIBIL Score 600 and Above upto 699 |
8.75% |
| NTC/No CIBIL/-1 |
8.50% |
- Permanent Govt/Public Sector/MNC Employee's
Salary Account with CRGB and other bank (Loan Recovery through SI/NACH
Mandate Compulsory)
- Purchase of electric vehicle for all customer - Concession of
0.25% available.
|
|
Personal Loan |
CIBIL Score 800 and above |
Salary With CRGB |
Term Loan |
10.80% |
|
Overdraft limit |
10.80% |
|
Salary with Other Bank |
11.80% |
|
CIBIL Score 750 and above upto 799 |
Salary With CRGB |
Term Loan |
10.80% |
|
Overdraft limit |
10.80% |
|
Salary with Other Bank |
12.30% |
|
CIBIL Score 700 and above upto 749 |
Salary With CRGB |
Term Loan |
11.30% |
|
Overdraft limit |
11.30% |
|
Salary with Other Bank |
12.80% |
|
CIBIL Score 650 and above upto 699 |
Salary With CRGB |
Term Loan |
13.30% |
|
Overdraft limit |
13.30% |
|
Salary with Other Bank |
14.30% |
|
CIBIL Score 600 and above upto 649 |
Salary With CRGB |
Term Loan |
17.80% |
|
Overdraft limit |
17.80% |
|
Salary with Other Bank |
17.80% |
|
NTC/No CIBIL/-1 |
Salary With CRGB |
Term Loan |
12.30% |
|
Overdraft limit |
12.30% |
|
Salary with Other Bank |
13.30% |
|
Personal Loan to Lower Income Group Employee (Express Credit )
Having Minimum Salary Rs. 1000/- Per Month |
12.80% |
|
In Case where the Borrower is covered with the Life Insurance
(other than ULIP) of Total Loan Amount or above for the entire loan
term a concession of 0.50% will be applicable in ROI for all the
Borrowers. |
|
CRGB Pension Loan |
CRGB Pensioners/ CRGB Family Pensioners |
10.05% |
|
For Other Pensioners |
12.55% |
|
Loan for Roof Top Solar |
Loan Upto Rs 2 lakh Soloar Installation |
6.00% |
|
Loan Above Rs 2 Lakh and upto Rs 6.00 Lakh For Soloar Installation |
7.30% |
|
Loan Above Rs 2 Lakh and upto Rs 6.00 Lakh For Soloar Installation (For Non Home Loan Customers) |
7.80% |
|
Gold loan Under P- Segment |
Demand Loan |
9.40% |
|
Overdraft limit |
9.90% |
|
Motor Cycle Loan for Public |
- |
12.55% |
|
Demand Loan / Overdraft Limit |
Against STDR/TDR/RD |
1.00% above the relative time deposit rate |
|
Against third party STDR/TDR |
1.50% above the relative time deposit rate |
|
NSC/KVP/LIC (Margin 35%) |
11.00% |
|
Loan Against Mutual Fund Unit |
8.50% |
|
No excess Drawing Allowed, In Case of excess Drawing Interest
Rate at 18.00% will be charged on the excess drawn portion. |
|
Education Loan |
Upto Rs.
7.50
Lakh |
9.25% |
|
above Rs.
7.50
Lakh |
9.25% |
|
Clean Over-draft |
- |
17.05% |
|
Home Equity Loan |
CIBIL Score Above 700 and upto 750 |
9.80% |
|
CIBIL Score Above 750 |
9.30% |
|
SME Segment (SME-
Segment) |
|
Mudra Transport Loan, Business Loan (Shishu, Kishor, Tarun, and Tarun Plus (Tarun Plus amount up to ₹20.00 lakh)) and SME Loans |
All amounts up to 10.00 lakh |
10.00% |
|
SME loan amount above 10.00 lakh and up to 1.00 crore |
- |
From 8.85% to 10.35%, based on risk based score |
|
SME loan amount above 1.00 crore |
- |
From 8.85% to 10.35%, based on risk based rating |
|
SME Gold Loan |
Term Loan |
7.75% |
|
Overdraft Limit |
8.75% |
|
CRGB Home Stay |
Term Loan |
9.25% |
|
Overdraft Limit |
9.25% |
|
** If first applicant is male then additional 0.50% charged in interest rate. |
|
Parivahan Sarthi |
Term Loan |
8.85% |
|
Mini Parivahan Sarthi |
Term Loan |
9.25% |
|
** An additional ROI benefit of 0.25% will be provided to customers who purchase Maruti Suzuki
cars.. |
|
SME CAR
|
SME-CAR-CIBIL>775 |
8.00% |
|
SME-CAR-CIBIL - 757 to 774 |
8.00% |
|
SME-CAR-CIBIL - 721 to 756 |
8.15% |
|
SME-CAR-CIBIL - 700 to 720 |
8.50% |
|
SME-CAR-CIBIL - 600 to 699 |
8.50% |
|
SME-CAR-CIBIL - No Score |
8.25% |
** An additional ROI benefit of 0.25% will be provided to customers who purchase Maruti Suzuki
cars.. |
|
Agriculture Segment (AGRI-Segment) |
|
Farmer 4 Wheeler Loan(ATL) |
- |
9.45% |
|
Gold loan Under Agri- Segment |
Demand Loan |
7.75% |
|
Overdraft limit |
8.75% |
|
Two Wheeler Loan for Farmer |
- |
10.55% |
|
Rice Mill
|
Upto Rs. 10.00
Lakh |
Term Loan |
As per SME Risk based pricing |
|
Cash Credit Limit |
|
Above Rs. 10.00
Lakh |
Term Loan |
|
Cash Credit Limit |
|
Tractor Loan |
Upto Rs. 5.00
Lakh |
9.45% |
|
Above Rs.5.00
Lakh |
9.95% |
|
Dairy |
Upto Rs. 2.00
Lakh |
9.45% |
|
Above Rs. 2.00
Lakh |
9.95% |
|
All other ATL |
Upto Rs. 2.00
Lakh |
9.45% |
|
Above Rs. 2.00
Lakh |
9.95% |
|
Asset Based Agri Loan (ABAL) |
|
9.05% |
|
Capital Investment Subsidy Rural Godown |
- |
9.55% |
|
Agriculture Infrastructure Fund (AIF) |
Rs. 2.00
Crore |
9.00% |
|
Above Rs. 2.00
Crore |
As Per SME Risk Based Pricing |
|
CRGB KISAN GOLD CARD |
CIBIL Score 720 and above |
9.55% |
|
CIBIL Score Below 720 |
10.05% |
|
NO Score/-1/NTC Score |
10.05% |
|
CRGB दुग्ध क्रांति ऋण योजना |
- |
8.75% |
|
KISAN SAMRIDDHI RIN |
Loan Upto Rs.1.00 Crore |
9.05% |
|
Loan above Rs.1.00 Crore |
Risk Based Pricing of HIGH Value Loan (SME) Applicable |
| Scheme |
Slab |
Bank Normal Rate
of Interest (p.a.) |
Concessional Rate of Interest (p.a.) |
|
NRLM/SHG |
Upto Rs.3.00
Lakh |
11.50% |
7.00% |
|
Above Rs. 3.00
Lakh and upto 5.00 Lakh |
12.50% |
7.50% |
|
Above Rs. 5.00
Lakh |
12.50% |
N.A. |
|
NULM SHG |
- |
12.50% |
N.A. |
|
Short term Crop Loan / Warehouse Receipt |
Upto
Rs.3.00
Lakh
Limit-1 (Crop Component + 10% towards Post Harvest Expenses) |
8.50% |
7.00% |
|
Upto Rs.3.00
Lakh Other than Limit-1 |
12.00% |
N.A. |
|
Above Rs.3.00
Lakh |
12.00% |
N.A. |
|
KCC
to Fisheries and Animal Husbandry |
Upto Rs. 2.00
Lakh |
8.50% |
7.00% |
|
Above Rs. 2.00
Lakh |
12.00% |
N.A. |
