As per RBI mandate, Savings Bank account interest will be calculated on the daily balances maintained in your account. Saving Account Interest Rate is 2.75%.
Interest Rates on TDR:
Effective Interest Rates on TDR from 01.08.2025
| Effective Interest Rates from 01-08-2025 | |||
| Period | General % |
Senior Citizen
(Above 60 Yrs) % |
All Bankers(Above 1 cr.) % |
| 7 Days to 14 Days | 3.50 | 4.00 | 3.75 |
| 15 Days to 29 Days | 3.50 | 4.00 | 3.75 |
| 30 Days to 45 Days | 3.50 | 4.00 | 3.75 |
| 46 Days to 90 Days | 4.50 | 5.00 | 4.75 |
| 91 Days to 179 Days | 4.75 | 5.25 | 5.00 |
| 180 Days to 270 Days | 5.25 | 5.75 | 5.50 |
| 271 Days to 364 days | 6.25 | 6.75 | 6.50 |
| Above 1 Year to Less Than 2 Years | 6.90 | 7.40 | 7.15 |
| 2 Years to Less Than 3 Years | 6.80 | 7.30 | 7.05 |
| 3 Years to Less Than 5 Years | 6.75 | 7.25 | 7.00 |
| 5 Years and More Than 10 Years | 6.50 | 7.00 | 6.75 |
Interest Rates on Loans :
| S.No. | Type of Loan | Revised Interest
Rates from 11.09.2025 (in %) |
| 1 | CD Loan | 10.50 |
| 2 | NSC Loan | 10.00 |
| 3 | Trader Loan : (A) Upto Rs 10 Lakh (B) Above Rs 10 Lakh |
10.00 10.50 |
| 4 | CC Fertilizer loan | 9.00 |
| 5 | Vehicle Loan (Auto Riksha / Taxi
and 2 wheeler)/ 4 Wheeler Private Vehicle): (A) Upto Rs 5 Lakhs (B) Above Rs 5 Lakhs 4 Wheeler Commercial Vehicle: (A) Upto Rs 5 Lakhs (B) Above Rs 5 Lakhs and upto 10 lakh (c) above Rs 10 lakh |
8.95 9.10 9.25 9.50 10.00 |
| 6 | Education Loan : (A) Upto Rs 3 Lakhs (B) Above Rs 3 Lakhs & Upto 5 Lakhs (C) Above Rs 5 Lakhs to 10 Lakhs (D) More then 10 Lakhs |
9.15 9.25 9.50 10.00 |
| 7 | Sugar Factory Loan : (A) Bandhak (B) Drasti Bandhak Loan (C) Term Loan (General) |
10.00 12.00 12.00 |
| 8 | House Loan : (A) Upto Rs 5 Lakhs (B) Above Rs 5 Lakhs & Upto Rs 10 Lakhs (C) More then Rs 20 Lakhs upto 50 lakhs (D)More then 50 lakh and upto 75 lakh |
8.75 9.20 9.35 9.50 |
| 9 | SCC Loan | 11.00 |
| 10 | SHG / JLG (By Societies) | 9.00 |
| 11 | SHG / JLG (By Bank) | 11.00 |
| 12 | CC to Govt. Employee Loan | 9.75 |
| 13 | Loan Against Property | 13.00 |
| 14 | Tractor, Trolley Loan | 8.75 |
| 15 | Mukhyamantri E-Rikshaw jankalyan yojna | 9.00 |
| 16 | veer chandra singh garhwali yojna | 9.75 |
| 17 | Other Loans | 11.00 |
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