Advances Interest Rate

RATE OF INTEREST OF ALL ADVANCES FACILITIES
w.e.f. Date : 13.04.2020
Nature of Advance Upto Rs. 1 Crore Above Rs. 1 Crore
Hypothecation of Stock, Book debt, Machinery Loan, Bill Purchase, Secured Loan ( SSI ) Facility :
Priority Sector
Non - Priority Sector
9.50 % - 9.75 %
9.50 % - 9.75 %
9.00 % - 11.00 %
9.25 % - 11.25 %
Secured OD ( Excluding Real Estate activity ) and Secured Loan (For MSME UNITS) :
Priority Sector
Non - Priority Sector
9.85 % - 10.10 %
-
9.35 % - 11.35 %
-
Secured OD ( Excluding Real Estate activity) & Secured Loan (For Non MSME UNITS) :
Priority Sector
Non - Priority Sector
-
10.35 % - 10.60 %
-
9.60 % - 11.60 %
Secured OD ( Excluding Real Estate activity) & Secured Loan (For Non MSME UNITS) Other than Business purpose :
Priority Sector
Non - Priority Sector
-
11.00 % - 11.25 %
-
10.00 % - 12.00 %
Rice Mill : 8.50 % - 9.50 %
Agro based A/cs (other than Rice Mill
and Cotton Ginning & Pressing)viz., Dal Mill, Flour Mill,
Oil Mill, Dairy, Poultry, etc.:
8.75 % - 9.75 %
Printing Press cluster scheme :
100% or more Collaterals
75% or more but less than 100%
9.25 %
9.50 %
Textile cluster scheme :
100% or more Collaterals
75% or more but less than 100%
9.00 % - 10.50 %
9.25 % - 10.75 %
Cotton Ginning & Pressing Cluster: 9.00 % - 11.00 %
CC Pledge :
Priority Sector
Non - Priority Sector
8.50 %
9.75 %
Pre- Shipment Export Finance :
Existing with interest subvention
Existing without interest subvention
10.00 %
9.50 %
Proposed Priority Sector
Proposed Non Priority Sector
9.00 %
9.75 %
Post- Shipment Export Finance :
Existing with interest subvention
Existing without interest subvention
10.00 %
9.50 %
Proposed Priority Sector
Proposed Non Priority Sector
9.00 %
9.75 %
Foreign Bill Discounting under L/C : (Non-Priority) :
-For DA Basis Export bills drawn under :
Prime Bank LC :
Non-Prime Bank LC :
9.25 %
9.75 %
-For Sight Basis Export bills drawn under :
Prime Bank LC :
Non-Prime Bank LC (Approved by our bank):
Non-Prime Bank LC (Other than approved list) :
9.50 %
10.00 %
10.50 %
Domestic Bill Discounting: GM & CEO has been delegated powers to decide ROI for Domestic L/c Bill discounting on case to case basis based on merits. The said rates are ratified by DC. This practice will continue.
Commercial Vehicle Loan: 10.50 %
Cash Credit Pledge: 10.00% Priority Sector Advances - 11.00% Others
Cluster based scheme - APMC market: 10.50 %
Scheme for financing Solar Photo voltaic :
Machinery / Equipment Loan
Home improvement loan for purchase of Solar Photovoltaic
11.00 %
9.50 %
Unsecured Loan: 13.00 %
Unsecured CC: 13.50 %
Micro finance: 10.25 %
Gree Field Projects :
Priority Sector
Non - Priority Sector
9.75 % / 10.00 %
10.25 % / 10.50 %
Real Estate :
With Collateral
Without Collateral
12.25 %
12.75 %
Lease Rent Discounting : 9.75 % - 10.25 %
SBOD / SBSL : 10.00 %
LAP Non Individual :
TL
Drop Down OD
9.75 % - 10.50 %
10.25 % - 11.00 %
Doctor Mitra :
Priority Sector
Non - Priority Sector
8.75 % / 9.25 %
9.00 % / 9.50 %
Vepar Mitra (Small Business CC): 10.00 %
Commercial Vehicle Loan :
Priority Sector
Non - Priority Sector
9.75 %
10.00 %
APMC OD (Upto 40 Lakh or 80 % of valuation of property):
Priority Sector
Non - Priority Sector
10.00 %
10.25 %
Construction Advances: Secured Loan and Secured CC - 12.50% if applicant has provided the Collateral Security
Otherwise, ROI of 13.00% p.a shall be applicable
Retail Loans:
Home Loan: 8.00 % - 8.60 %
Car Loan: 8.70 % - 8.95 %
Education Loan: 8.75 % - 8.90 %
Two Wheeler Loan: 9.75 % / 10.25 % / 10.75 %
Share Pledge: 10.25 %
CC against Givt. Security: 9.75 %
LAP - Individual :
TL
Drop Down OD
10.00 % - 11.00 %
10.50 % - 11.50 %
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All Rights Reserved by The Kalupur Commercial Co-operative Bank LTD.

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