| Sr.no | Type of Loan | Interest Rates % p.a. w.e.f 18/09/2025 |
| 1 | Personal Loan | |
| a. | Upto Rs.2.00 Lakh(VVSB Insta Personal Loan Scheme) | 12.50% p.a. |
| b. | Above Rs.2.00 Lakh & Up to Rs. 5.00 Lakh | 13.00% p.a. |
| c. | Personal Loan Repayment Through Salary Deduction to be obtained from company. (Under Sec.49 of M.C.S. Act) | 11.00% p.a. |
| All Corporate Govt, Semi Govt. Staff as well as School and college staff under tie up arrangements with us. | 10.50% p.a. | |
| d. | Consumer Durables (New purchase) | 12.25% p.a. |
| 2 | Glittering Gold Loan Scheme | |
| Repayment Period Not more than 12 Months Bullet Payments allowed maxium up to Loan amount of Rs. 2.00 Lakh | 8.25% p.a. | |
| 3 | Sun Solar Loan | |
| a. | For Individual use | 8.25% p.a. |
| a. | For Commercial use | 8.50% p.a. |
| 4 | Loan/OD against Term Deposit Receipts | |
| a. | For Individual / Trusts / Company / Firm / Society | 0.75% more |
| b. | Trust / Compnay / Firm / Society | 0.75% more |
| c. | Advance Against Third Party Term Deposit (Our Bank's Fixed Deposit only) | 1.25% more |
| 5 | Loan/OD against Govt. Securities | 9.50% p.a. |
| 6 | Business Loan & Advances | |
| a. | Industrial Loan (for Industries & Manufacturing Units)- New Term Loan | |
| Up to Rs. 100.00 Lakh | 10.10% p.a. | |
| Above 100.00 Lakh | 9.75% p.a. | |
| b. | Industrial Loan (for Industries & Manufacturing Units)- CC/OD (In Case of Existing and New Loan) | |
| Up to Rs. 100.00 Lakh (CMR 1 - 4 ) | 9.50% p.a. | |
| Up to Rs. 100.00 Lakh (CMR above 5 and below 7) | 10.00% p.a. | |
| Above Rs. 100.00 Lakh (CMR 1 - 4 ) | 9.25% p.a. | |
| Above Rs. 100.00 Lakh (CMR above 5 and below 7) | 9.50% p.a. | |
| c. | Business Loan & Advances (for Trading & Service Industry)- New Term Loan | |
| Up to Rs. 10.00 Lakh | 10.10% p.a. | |
| Above Rs. 10.00 Lakh | 10.25% p.a. | |
| b. | Business Loan & Advances (for Trading & Service Industry)- - CC/OD (In Case of Existing and New Loan) | |
| Up to Rs. 10.00 Lakh | 9.75% p.a. | |
| Above Rs. 10.00 Lakh | 10.00% p.a. | |
| (Revised Dt:21/07/2025) | ||
| 7 | Mortgage Loan | |
| a. | Repayment period up to 5 years | 9.25% p.a. |
| Repayment period Above 5 to 7 years | 9.50% p.a. | |
| Repayment period Above 7 to 10 years | 10.00% p.a | |
| b. | "OMKARA" Mortage Loan (Rev. Dated 18.12.2025) | |
| Repayment period up to 5 years | 9.50% p.a. | |
| Repayment period Above 5 to 7 years | 9.75% p.a. | |
| Repayment period Above 7 to 10 years | 10.25% p.a | |
| 8 | Housing Loan (Home Sweet Home -RERA Approved) & Resale of Flat (OC Building) | |
| a. | Upto 40 Lakh | |
| CIBIL Score : >750 & above | 7.95% p.a. | |
| CIBIL Score : >700 to 750 | 8.05% p.a. | |
| CIBIL Score : > 650 to 700 | 8.25% p.a. | |
| CIBIL Score : > 600 to 650 | 8.75% p.a. | |
| b. | Above 40 Lakh to 140 Lakh | |
| CIBIL Score : >750 & above (Valid up to 31.03.2026) | 7.70% p.a. | |
| CIBIL Score : >700 to 750 (Valid up to 31.03.2026) | 7.80% p.a. | |
| CIBIL Score : > 650 to 700 (Valid up to 31.03.2026) | 8.00% p.a. | |
| CIBIL Score : > 600 to 650 (Valid up to 31.03.2026) | 8.50% p.a. | |
| c. | Above 140 Lakh to 200 Lakh | |
| CIBIL Score : >750 & above (Valid up to 31.03.2026) | 8.10% p.a. | |
| CIBIL Score : >700 to 750 (Valid up to 31.03.2026) | 8.35% p.a. | |
| CIBIL Score : > 650 to 700 (Valid up to 31.03.2026) | 8.65% p.a. | |
| CIBIL Score : > 600 to 650 (Valid up to 31.03.2026) | 9.35% p.a. | |
| (Applicable from 01/10/2025) | ||
| 9 | House Repairs (Max. loan upto Rs. 5.00 Lakh) | 11.00% p.a. |
| 10 | Education Loan | |
| a. | Saraswati Education Loan | 8.50% p.a. |
| b. | Mortgage Loan (for Education purpose) | |
| Repayment upto 5 years | 9.00% p.a. | |
| Repayment period above 5 to 7 years | 9.50% p.a. | |
| 11 | Vehicle Loan | |
| a. | Two-Wheeler for Personal Use | |
| CIBIL Score : 700 & above | 8.75% p.a. | |
| CIBIL Score below 700 | 9.00% p.a. | |
| b | Two-Wheeler for Personal Use (Electric Vehicle) | |
| CIBIL Score : 700 & above | 8.50% p.a. | |
| CIBIL Score below 700 | 8.75% p.a. | |
| c | Dream Car Loan Scheme - Personal Use | |
| (Repayment Upto Three Year) | ||
| CIBIL Score : 700 & above | 7.85% p.a. | |
| CIBIL Score below 700 | 8.35% p.a. | |
| (Repayment Period Three Year and upto Five year) | ||
| CIBIL Score : 700 & above | 8.10% p.a. | |
| CIBIL Score below 700 | 8.50% p.a. | |
| (Repayment Period Five Year and upto Seven year) | ||
| CIBIL Score : 700 & above | 8.35% p.a. | |
| CIBIL Score below 700 | 8.35% p.a. | |
| d | Dream Car Loan Scheme - Personal Use -Electric / CNG | |
| (Repayment Upto Three Year) | ||
| CIBIL Score : 700 & above | 7.60% p.a. | |
| CIBIL Score below 700 | 8.15% p.a. | |
| (Repayment Period Three Year and upto Five year) | ||
| CIBIL Score : 700 & above | 7.95% p.a. | |
| CIBIL Score below 700 | 8.35% p.a. | |
| (Repayment Period Five Year and upto Seven year) | ||
| CIBIL Score : 700 & above | 8.10% p.a. | |
| CIBIL Score below 700 | 8.60% p.a. | |
| e | Dream Car Loan Scheme - Commercial Use | |
| (Repayment Upto Five Year) | ||
| CIBIL Score : 700 & above | 9.60% p.a. | |
| CIBIL Score below 700 | 10.10% p.a. | |
| (Repayment Period Five Year and upto Seven year) | ||
| CIBIL Score : 700 & above | 9.95% p.a. | |
| CIBIL Score below 700 | 10.35% p.a. | |
| Dream Car Loan Scheme - Commercial Use -Electric / CNG - 3 & 4 Wheeler | ||
| (Repayment Upto Five Year) | ||
| CIBIL Score : 700 & above | 9.35% p.a. | |
| CIBIL Score below 700 | 9.85% p.a. | |
| (Repayment Period Five Year and upto Seven year) | ||
| CIBIL Score : 700 & above | 9.60% p.a. | |
| CIBIL Score below 700 | 10.10% p.a. | |
| 12 | Loan to Professionals (Architects, CA, etc.) | |
| a. | Up to Rs. 25.00 Lakh | 9.00% p.a. |
| b. | Above Rs. 25.00 Lakh | 9.25% p.a. |
| 13 | Health Care Loan Scheme | |
| a. | Loan to Doctors | 9.25% p.a. |
| b. | Business Loans to Pharma Distributors - Fin Pharma | |
| Proprietary Firm | ||
| CMR Between 1 to 4 and CIBIL > 700 | 9.25% p.a. | |
| CMR Between 4 to 7 and CIBIL >= 650 under fin pharma scheme | 9.50% p.a. | |
| 14 | Agricultural Loan | 8.50% p.a. |
| 15 | Builders & Developers CRE New Loans/OD | 13.50% p.a. |
| 16 | Suhana Safar Loan Scheme | 8.50% p.a. |
| 17 | For Hotels/Resorts | 11.50% p.a. |
| 18 | Lease Rent Discounting (LRD) | |
| a. | Rent Recieved from Corporate | 9.50% p.a. |
| b. | Rent Recieved from Others | 10.00% p.a. |
| 19 | Unnati Loan(for commercial credit/small businessman) | |
| If Commercial CIBIL rating i.e CMR is between 1 to 4 & incase of Proprietary firm,individual CIBIL score must be >700 | 9.05% p.a. | |
| If Commercial CIBIL rating i.e CMR is between 5 to 7 & incase of Proprietary firm, individual CIBIL score must be 650 and above | 9.25% p.a. | |
| 20 | Utkarsh (Loan for Commercial Credit) | |
| a. | If Commercial CIBIL rating is between CMR 1 to CMR 4 & incase of Proprietary firm, individual CIBIL score must be >700 | 9.15% p.a. |
| b. | If Commercial CIBIL rating is between CMR 5 to CMR 7 & incase of Proprietary firm, individual CIBIL score must be 650 and above | 9.40% p.a. |
| 21 | Udyogini Scheme | |
| Limit Upto Rs. 10.00 lakhs (For new startup) | 9.25% p.a. | |
| For Upto Rs. 20.00 lakhs(For existing set up) | 9.25% p.a. | |
| 22 | Udyog / Antrang Loan Scheme | 10.00% p.a. |
| 23 | Top up Loan Scheme for payment of one time Insurance Premium | 10.00% p.a. |
