Loans

Loan type Deadline Monthly installment Interest rate
Installment loan
(For 1 lac)
(For 1 lac)
(For 1 lac)
1 To 5 Years
5 Year 1 Day To 10 Years
10 Year 1 Day To 13 Years
Rs 1200 /-
Rs 1225 /-
Rs 1250 /-
10.25%
10.50%
10.75%
Cash credit loan 1 year ---- 12.49%
Shop loan (For 1 lac) 10 years Rs 1370/- 10.25%
Home loan (For 1 lac)
(For 1 lac)
15 years
20 years
Rs 1100 /-
Rs 980 /-
9.75%
9.75%
Buy a vehicle
Two Wheeler New (For 50 Thousand)
Two Wheeler New (For 1 lakh)
Four Wheeler New (For 1 lakh)
Four Wheeler old (For 1 lakh)
Under 3 Years Old

3 Years
5 Years
7 Years
5 Years

Rs 1650 /-
Rs 2170 /-
Rs 1710 /-
Rs 2180 /-

10.25%
10.25%
10.25%
10.50%
Personal loan (Up to 50 thousand)
Mortgage
Without Mortgage
3 years
3 years
Rs 1700/-
Rs 1780/-
12.49%
15.50%
Personal loan (Up to 1 lac) Mortgage
Without Mortgage
5 years
5 years
Rs 2280/-
Rs 2450/-
12.49%
15.50%
Personal loan (Up to 1.30 lac)
Without Mortgage (A class member only)
5 years Rs 3090/- 14.50%
LIC Mortgage Loan (For 1 lac)
5 years Rs 2210/- 11.00%
Educational loan
(1 to 3 lacs)
(3 lacs beyond)
(for 50 thousand)
(for 1 lacs)
Discount for Girls : Interest rate 0.50%

5 Years (1 lacs EMI)
7 Years (1 lacs EMI)
5 Years
5 Years


Rs 2180/-
Rs 1720/-
Rs 1150/-
Rs 2280/-


10.49%
10.49%
12.49%
12.49%

Gold loan
(2 To 5 lac)
(5 To 50 lac)
1 Year (1 lacs EMI)
3 Year (1 lacs EMI)
5 Year (1 lacs EMI)
Rs 8767/-
Rs 3188/-
Rs 2081/-
9.00%
9.00%
9.00%
Vishwas Shakti Loan for Women
Upto 1 lac
Upto 3 years EMI
Upto 5 years EMI

3 Or 5 Years
3 Years
5 Years

---
RS 350
RS 2250
12% (with 1% rebate)
---
---
Real Estate(Term Loan for Projects) 1 lacs

Cash credit(Real Estate)

5 Years (1 lacs EMI)
7 Years (1 lacs EMI)
10 Years (1 lacs EMI)
1 Years

Rs 2280/-
Rs 1830/-
Rs 1500/-
---

12.50%
12.50%
12.50%
13.50%
National savings loan
--- ---- 10.50%
Self savings Loan (For 1 lac)
Group loan
3 Years
5 years
Rs 3330/-
Rs 2230/-
11.50%
11.50%
Professional self employee cash credit
1 Year ---- 10.25%
Bill discounting loan
---- ---- 15.50%
The said interest rate will be applicable from 16 November 2022 for ongoing and approved loan cases.