| Loan Type | Description | Interest Rate (Fixed for two years and variable thereafter in every 6 months) % p. a |
| 1. Housing Loans (General) | If the loan amount is Rs. 3 Mn. or below, | 11.00 |
| If the loan amount is above Rs. 3 Mn. | 11.50 | |
| Fixed for full tenure irrespective of the loan amount(Up to 10 years) | 13.00 | |
| Fixed for full tenure irrespective of the loan amount(More than 10 years) | 14.00 | |
| 1st Home Owner Loan | Up to Rs. 05 Mn
(Rates Fixed for 3 years and variable there after in every 6 months) |
9.50 |
| Above Rs. 05 Mn up to Rs. 10 Mn
(Rates Fixed for 3 years and variable there after in every 6 months) |
10.50 | |
| Above Rs. 10 Mn
(Rates Fixed for 3 years and variable there after in every 6 months) |
11.50 | |
| 2. ‘Alankara’ Housing Loan | 11.50 | |
| 3. Personal Loans | Maximum up to 15 years | 11.50 |
| 4. Buddhi Loan (to pursue higher education locally/abroad) | Maximum up to 10 years | 11.50 |
| 5. ‘Diriya’ Loan | Maximum up to 5 years and Rs. 2.5 Mn. | 12.00 |
| 6. Personal Loans for Professionals | Maximum up to 15 years | 11.50 |
| 7. Solar Loans | 11.50 |
| Loan Type | Description | Interest Rate (Fixed for two years and variable thereafter in every 6 months) % p. a |
| 1.Personal Loans for professionals | ||
|
*Commissioned officers (Maximum up to 10 years and Maximum up to Rs. 05 Mn)
*Other Below Ranks (Maximum up to 10 years and Maximum up to Rs. 04 Mn) |
13.25
13.50 |
|
Maximum up to 10 years and Maximum up to Rs. 05 Mn | 13.50 |
|
Maximum up to Rs. 05 Mn and up to 12 years. On two personal guarantors
|
13.50 |
|
Maximum up to Rs. 05 Mn and up to 12 years. On two personal guarantors
|
13.00 |
|
Maximum up to Rs. 400,000/- and 5 years. On one personal guarantor | 11.50 |
| 2. Buddhi Loans (to pursue higher education locally) | Maximum up to 7 years and Rs. 2.5 Mn. On two personal guarantors. | 13.00 |
| 3. Solar Loan | 12.50 | |
| 4. Loans to migrant workers (Foreign Loans) | Maximum up to 5 years and Rs. 3. Mn. On two personal guarantors. | 12.50 |
| 5.Doctors, Charted Engineers, Charted Accountants, | Maximum loan: up to 8.0 Mn Tenure : Maximum up to 12 years. Security :Only one personal guarantor |
12.00 |
| Maximum loan: up to 8.0 Mn Tenure : Maximum up to 7 years. Security :Only one personal guarantor |
14.00 | |
| 6. Other Professional Category Employees | Maximum loan: up to 7.0 Mn Tenure : Maximum up to 12 years for Government sector employees and Maximum up to 10 years for Private sector employees Security :Only one personal guarantor |
12.50 |
| Maximum loan: up to 7.0 Mn Tenure : Maximum up to 7 years Security :Only one personal guarantor |
14.00 | |
| 7. Internship Medical officers | Maximum loan: up to 5.0 Mn Tenure : Maximum up to 7 years Security :Three personal guarantors |
13.50 |
| 8. Government Sector Confirmed Employees | Maximum loan: up to 1.0 Mn Tenure : Maximum up to 07 years Security :Only one personal guarantor |
13.00 |
| Maximum loan: up to 6.0 Mn Tenure : Maximum up to 12 years Security :Two personal guarantors |
13.50 | |
| 9. Private Sector Confirmed Employees | Maximum loan: up to 1.0 Mn Tenure : Maximum up to 07 years Security :Only one personal guarantor |
13.50 |
| Maximum loan: up to 5.0 Mn Tenure : Maximum up to 10 years Security :Two personal guarantors |
14.00 | |
| 10. Personal Loan for any other type of income earners | Maximum loan: up to 5.0 Mn Tenure : Maximum up to 05 years Security :Two personal guarantor |
14.00 |
| More Than 05 years to 10 years,Maximum loan: up to 5.0 Mn Security :Two personal guarantors |
14.50 | |
| 11. Personal Loan (Government, Private or any other sector) | Maximum loan: up to 5.0 Mn Tenure : Maximum up to 07 years Security :Two personal guarantor |
15.00 |
| Loan Type | Description | Interest Rate Interest Rate (Fixed for two years and variable thereafter in every 6 months) % p. a |
| 1. Auto Loans | Brand New/Unregistered. Up to maximum of 5 years | 13.00 |
| Registered/Redemption. Up to maximum of 5 years | 13.50 | |
| 2.Pawning (The rate is applied until the pawning transaction is settled in full.) | For Ordinary Savings Account holders. | 13.50 |
| For ‘Shree’ Account holders | 13.00 |
| Loan Type | Description | Interest Rate Interest Rate (Fixed for two years and variable thereafter in every 6 months) % p. a |
| 1. NSB Reach | Maximum up to Rs. 500,000/- and 5 years. On a cash deposit/personal guarantor |
14.00 |
| Loan Type | Description | Interest Rate Interest Rate (Fixed for two years and variable thereafter in every 6 months) % p. a | |
| 1. Loans against Fixed Deposits | One year and below | Effective Rate + 3% p. a | |
| Over one year | Interest paid at maturity | Published Rate + 3% p. a | |
| Interest paid monthly (MI) | Effective Rate + 3% p. a | ||
| 2. Easy Cash (Only against one year and above one-year Fixed Deposits) | One Year | Effective Rate + 3% p. a | |
| Over one year | Interest paid at maturity | Published Rate + 3% p. a | |
| Interest paid monthly (MI) | Effective Rate + 3% p. a | ||
| 3. Loans against Savings Accounts | Savings Rate + 3% p. a | ||
| Repayment Period | Rates Applicable (Fixed for two years and variable thereafter in every 6 months) % p. a |
| Up to 3 years | 13.00 |
| More than 3 years and up to 5 years | 13.00 |
| More than 5 years and up to 7 years | 13.00 |
| More than 7 years and up to 10 years | 13.00 |
| More than 10 and up to 15 years | 13.00 |