Fixed deposit
INTEREST RATES ON DOMESTIC TERM DEPOSITS W.E.F (03/06/2026)
| Maturity Range | Upto Rs. 1 Crore | Above Rs. 1 Crore |
|---|---|---|
| 07 DAYS TO 45 DAYS | 3.75% | 4.25% |
| 46 DAYS TO 90 DAYS | 3.75% | 4.50% |
| 91 DAYS TO 120 DAYS | 4.00% | 4.75% |
| 121 DAYS TO 179 DAYS | 4.00% | 4.75% |
| 180 DAYS TO 269 DAYS | 5.25% | 5.50% |
| 270 DAYS TO 364 DAYS | 5.25% | 5.50% |
| 12 MONTHS (365 DAYS) | 6.75% | 6.75% |
| 366 DAYS TO 24 MONTHS | 6.50% | 6.00% |
| 2 YEARs. TO 3 YEARs. | 6.25% | – |
| 3 YEARs. TO 5 YEARs. | 6.25% | – |
| TAX SAVING DEPOSIT SCHEME FOR 60 MONTHS | 5.00% | – |
| Maturity Range | Upto Rs. 15 lakh | Above Rs. 15 lakh to upto Rs. 50 lakh | Above Rs. 50 lakh to upto Rs. 1 Cr | Above Rs. 1 Cr to to upto Rs. 10 Cr | Above Rs. 10 Cr to upto Rs. 25 Cr | Above Rs. 25 Cr to upto Rs. 50 Cr | Above Rs. 50 Cr to upto Rs. 100 Cr | Above Rs.100 Cr to upto Rs.150 Cr | Above Rs. 150 Cr to upto Rs. 250 Cr | Above Rs. 250 Cr |
|---|---|---|---|---|---|---|---|---|---|---|
| 07 DAYS TO 45 DAYS | 3.75% | 3.75% | 3.75% | 4.25% | 4.25% | 4.25% | 4.25% | 4.25% | 4.25% | 4.25% |
| 46 DAYS TO 90 DAYS | 3.75% | 3.75% | 3.75% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% | 4.50% |
| 91 DAYS TO 120 DAYS | 4.00% | 4.00% | 4.00% | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% |
| 121 DAYS TO 179 DAYS | 4.00% | 4.00% | 4.00% | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% |
| 180 DAYS TO 269 DAYS | 5.25% | 5.25% | 5.25% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% |
| 270 DAYS TO 364 DAYS | 5.25% | 5.25% | 5.25% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% | 5.50% |
| 12 MONTHS (365 DAYS) | 6.50% | 6.50% | 6.50% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% | 6.75% |
| 366 DAYS TO 24 MONTHS | 6.50% | 6.50% | 6.50% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% |
| 2 YEARs. TO 3 YEARs. | 6.25% | 6.25% | 6.25% | – | – | – | – | – | – | – |
| 3 YEARs. TO 5 YEARs. | 6.25% | 6.25% | 6.25% | – | – | – | – | – | – | – |
| TAX SAVING DEPOSIT SCHEME FOR 60 MONTHS | 5.00% | – | – | – | – | – | – | – | – | – |
SPECIAL INTEREST RATES ON DOMESTIC TERM DEPOSITS RATE APPLICABLE FOR ONLY (29/06/2026)
SPECIAL INTEREST RATES ON DOMESTIC TERM DEPOSITS RATE APPLICABLE FOR ONLY (10/09/2026)
| Maturity Range | Upto Rs. 15 lakh | Above Rs. 15 lakh to upto Rs. 50 lakh | Above Rs. 50 lakh to upto Rs. 1 Cr | Above Rs. 1 Cr to to upto Rs. 10 Cr | Above Rs. 10 Cr to upto Rs. 25 Cr | Above Rs. 25 Cr to upto Rs. 50 Cr | Above Rs. 50 Cr to upto Rs. 100 Cr | Above Rs.100 Cr to upto Rs.150 Cr | Above Rs. 150 Cr to upto Rs. 250 Cr | Above Rs. 250 Cr |
|---|---|---|---|---|---|---|---|---|---|---|
| 7 DAYS TO 45 DAYS | 3.75% | 3.75% | 3.75% | 4.25% | 4.25% | 4.25% | 4.95% | 4.25% | 4.25% | 4.25% |
Note: Bulk Deposit rates are indicative, for the latest rates, kindly contact the nearest branch.
- The revised interest rate mentioned above will be applicable to all new and renewed fixed- term deposits made on or after 03/06/2026.
- The maximum tenure for accepting fixed- term deposits is 5 years, however for cooperative societies, cooperative banks, and other institutions, the maximum tenure for accepting fixed- term deposits is 2 years.
- Senior citizens (60 years of age and above, with proof of age submitted) will be given 0.50% higher interest than the above-mentioned rate.
- An Additional 0.50% interest will be given on the above-mentioned interest rate for bank staff/ex-staff.
- No interest is payable if the depositor withdraws the entire FD amount within 7 days from the date of deposit.
- Other terms and conditions for accepting fixed-term deposits and their repayment will remain the same as per deposit policy of the bank.
Retail Loans
| TYPE OF LOAN | FIXED INTEREST RATES (W. E. F. 22/09/2025)* | FLOATING INTEREST RATES (W. E. F. 22/09/2025)* |
|---|---|---|
| Home Loan | 8.60%* | 7.45%* |
| Commercial Property Loan | 11.00%* | 9.00%* |
| Security Mortgage Loan/OD | 10.50%* | 8.25%* |
| Top-Up Loan | 11.50%* | 9.25%* |
| Car Loan | 9.00%* (Non EV) 8.70%* (EV) |
7.70%* (Non EV) 7.50%* (EV) |
| Two-Wheeler Loan | 11.00%* (Non EV) 10.50%* (EV) |
9.50%* (Non EV) 9.00%* (EV) |
| Commercial Vehicle Loan | 11.00%* | 10.00%* |
| Sahakar Sarathi – Two Wheeler Loan | – | 7.90%* (Non EV) 7.75%* (EV) |
| Sahakar Sarathi – Three Wheeler Loan | – | 7.90%* (Non EV) 7.75%* (EV) |
| Sahakar Sarathi – Four Wheeler Loan | – | 7.90%* (Non EV) 7.75%* (EV) |
| Higher Education Loan | 9.00%* | 7.90%* |
| Doctor Mitra Loan | 11.00%* | 9.00%* |
| Solar Rooftop Loan | 8.50%* | – |
| Consumer Durable Loan | 12.00%* | 10.50%* |
| JLG/SHG Scheme Loan | 11.00%* | 11.00%* |
| Working Capital C.C | 11.00%* | 10.50%* |
Institutional Loans
| SR. | TYPES OF LOANS & ADVANCES | INTEREST RATE (W.E.F : 10/10/2025)* |
|---|---|---|
| 1 | FOR THE DCCB’s | |
| 1.1 | S.T. AGRI. LOAN | |
| [1] NABARD SAO REFINANCE | 0.25% (MARGIN) | |
| [2] NABARD ASAO REFINANCE | 0.75% (MARGIN) | |
| [3] SAO FROM OWN FUND | 7.50% | |
| 1.2 | S.T. OTHERS | |
| [1] NABARD REFINANCE | 0.50% (MARGIN) | |
| [2] LOAN FROM OWN FUND | 7.50% | |
| 1.3 | REFINANCE OF NABARD’S PACS AS MSC SCHEME | 0.50% (MARGIN) |
| 1.4 | NON AGRI. CASH CREDIT: (FOR DCCB) | |
| [1] NORMAL (MONTHLY INTEREST) | 7.30% to 7.50% | |
| [2] FOR SUGAR FINANCE (HALF YEARLY INTEREST ) | 9.00% to 11.00% | |
| 1.5 | LONG TERM: (FOR DCCB) | |
| [1] LONG TERM AGRI. LOAN | 7.50% | |
| [2] LONG TERM NON AGRI. LOAN | 7.50% | |
| 2 | NON AGRI. CASH CREDIT TO UCBS (MONTHLY INTEREST) | 10.00% to 12.00% |
| 3 | DIRECT FINANCE TO CO-OP. INSTITUTIONS, COMPANY, & OTHER INSTITUTIONS | |
| [1] PLEDGE CASH CREDIT | 9.00% TO 10.50% | |
| [2] HYPOTHECATION CASH CREDIT | 9.50% TO 11.00% | |
| [3] NON AGRI CASH CREDIT | 7.80% TO 10.00% | |
| [4] MEDIUM / LONG TERM AGRI. LOAN | 9.00% TO 10.50% | |
| [5] MEDIUM / LONG TERM NON AGRI. LOAN | 9.00% TO 11.00% | |
| 4 | BANK GUARANTEE – COMMISSION (QUARTERLY BASIS) | |
| – 25% F.D.R + 75% BANK APPROVED SECURITIES | 2.00% + GST | |
| – 100% F.D.R | 1.00% + GST | |
| 5 | [1] PENAL INTEREST IN CASE OF DEFAULT IN PRINCIPAL & INTEREST FOR NABARD REFINANCE | 2.00% |
| [2] PENAL INTEREST IN CASE OF DEFAULT IN PRINCIPAL & INTEREST OF OWN FUND LOAN | 1.00% |
* Interest rates are subject to change without prior notice. Bank reserves the right to revise the rate of interest and the processing fee from time to time.
* GST and other Government taxes, levies, etc., applicable as per the prevailing rates will be charged over and above the mentioned charges
