Agriculture Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

1

Agriculture Loan

Unsecured

 1.00 

13.50%

13.00%

60

0.00%

0%

Secured

 5.00 

13.50%

13.00%

60

50%

25%

Secured

 15.00 

14.00%

13.50%

84

25%

Agriculture and Allied Activities loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

2

Agriculture and Allied Activities loan

Secured

 Above Rs.15 lakh upto Rs.50 lakh 

12.25%

12.25%

60

50%

25%

12.50%

12.50%

84

25%

Secured

 Above Rs.50 lakh upto Rs.200 lakh 

12.50%

12.50%

60

25%

Secured

 Above Rs.50 lakh upto Rs.200 lakh 

12.75%

12.75%

84

25%

Term loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

3

 Term loan (MSME Unit) (Udyam Registration Certificate and GST Registration Certificate and GST returns are required)

Unsecured

 5.00 

13.50%

13.50%

60

0.00%

25%

Secured

 25.00 

11.50%

11.50%

84

50%

 500.00 

11.75%

11.75%

84

Bachat Gat Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

4

Bachat Gat Loan

Unsecured

 1.00 

12.00%

12.00%

12

0.00%

0%

Secured

 2.00 

11.00%

11.00%

60

50%

25%

 15.00 

12.00%

12.00%

25%

Education Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

5

Education Loan (For Domestic Education) Priority

Unsecured

 5.00 

11.50%

11.50%

60 months after completion of education (Till Moratorium Period)

0%

Upto 2 Lakh 0 % and above 2 lakh 25.00 %

Education Loan (For Domestic Education) Non-Priority


 20.00 

10.00%

10.00%

Secured

 25.00 

10.50%

10.50%

50%

25%

Education Loan (For Foreign Education)Priority

 20.00 

10.25%

10.25%

60 months after completion of education (Till Moratorium Period)

Education Loan (For Foreign Education) Non-Priority

 50.00 

11.00%

11.00%

84 months after completion of education (Till Moratorium Period)

Pradhan Mantri Awas Yojana

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

6

Pradhan Mantri Awas Yojana

Secured

 3.00 

8.10%

8.10%

180

50%

25%

Vehicle Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

7

Two Wheeler Vehicle Loan 

Secured

 1.00 

8.00%

8.00%

36

20%

 1.00 

8.50%

8.50%

60

20%

Vehicle Loan (Vehicle on petrol for Personal use)

 5.00 

8.00%

8.00%

 50.00 

9.00%

9.00%

 100.00 

10.00%

10.00%

Vehicle Loan (Vehicle on Battery for Personal use)

 5.00 

7.85%

7.85%

 25.00 

8.85%

8.85%

 100.00 

9.85%

9.85%

Vehicle Loan (Vehicle on CNG for Personal use)

 5.00 

7.75%

7.75%

 25.00 

8.75%

8.75%

 100.00 

9.75%

9.75%

Goods Transport Vehicle Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

8

Goods Transport Vehicle Loan (Goods VL on petrol/ diesel) (Collateral Security is required for loan above Rs.20 lakh)

Secured

 10.00 

8.50%

8.50%

60

20%

20%

 25.00 

9.00%

9.00%

 200.00 

9.00%

9.00%

Goods Transport Vehicle Loan (Goods VL on CNG)  (Collateral Security is required for loan above Rs.20 lakh)

 10.00 

8.00%

8.00%

 25.00 

8.50%

8.50%

 200.00 

8.50%

8.50%

Passenger Transport Vehicle Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

9

Passenger Transport Vehicle Loan (Passenger VL on petrol/ diesel) Collateral Security is required for loan above Rs.20 lakh)

Secured

 10.00 

8.50%

8.50%

60

20%

20%

 25.00 

9.00%

9.00%

9.00%

 100.00 

9.00%

9.00%

Passenger Transport Vehicle Loan (Collateral Security is required for loan above Rs.20 lakh)

 10.00 

8.25%

8.25%

 25.00 

8.75%

8.75%

 100.00 

8.75%

8.75%

Old Vehicle Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

10

Old Vehicle Loan For Personal Use (2 & 4 wheeler Vehicle should not be older than 3 yrs)

Secured

 10.00 

10.00%

10.00%

48

50%

50%

Old Vehicle Loan  For Goods Transport
(Vehicle should not be older than 3 yrs)

 20.00 

10.00%

10.00%

Old Vehicle Loan  For Passenger Transport
(Vehicle should not be older than 3 yrs)

 10.00 

10.00%

10.00%

Office Furniture & Interior Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

11

Office Furniture & Interior Loan

Secured

 Above Rs.3.00 lakh upto Rs.5.00 lakh 

13.00%

13.00%

84

50%

25%

 Above Rs.5.00 lakh upto Rs.25.00 lakh 

13.00%

13.00%

Home Furniture & Interior Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

12

Home Furniture & Interior Loan

Unsecured

 3.00 

15.00%

15.00%

84

50%

25%

Secured

 5.00 

13.50%

13.50%

 25.00 

13.50%

13.50%

Laptop Scheme for consumer

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

13

Laptop Scheme for consumer

Secured

 1.00 

11.00%

11.00%

12

10%

10%

 1.00 

12.00%

12.00%

24

Housing loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

14

Housing loan (For flat, house purchase, house construction. Only sanctioned by TP/ Corporation/ PMRDA & Gunthewari Act In Metro City) (Construction/ Agreement cost should not be more than Rs.45 lakh in metro city)

Secured

 15.00 

8.10%

8.10%

240

20%

20%

 25.00 

8.25%

8.25%

 35.00 

8.50%

8.50%

 70.00 

8.75%

8.75%

15%

15%

 140.00 

9.00%

9.00%

20%

20%

Housing loan (For flat, house purchase, house construction. Only sanctioned by TP/ Corporation/ PMRDA & Gunthewari Act In other than Metro City) (Construction/ Agreement cost should not be more than Rs.35 lakh in other than metro city)

Secured

 15.00 

8.10%

8.10%

20%

20%

 25.00 

8.25%

8.25%

 70.00 

8.75%

8.75%

 140.00 

9.00%

9.00%

Housing Loan in Township known as Madhuvan Hadapsar

Secured

 5.00 

8.25%

8.25%

20%

20%

 25.00 

8.25%

8.25%

House Repair Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

15

House Repair Loan (Only sanctioned by TP/ Corporation/ PMRDA & Gunthewari Act In Metro City where agreement cost of house/flat should not be more than Rs.45 lakh)

Unsecured

 3.00 

10.00%

10.00%

60

0%

25%

Secured

 10.00 

9.50%

9.50%

120

50%

House Repair Loan (Only sanctioned by TP/ Corporation/ PMRDA & Gunthewari Act in other than Metro City  where agreement cost of house/flat should not be more than Rs.35 lakh)

Unsecured

 3.00 

10.00%

10.00%

60

0%

25%

Secured

 6.00 

9.50%

9.50%

120

50%

16

House Repair Loan (having name as owner on CTS or 7/12 extract In Metro City where agreement cost of house should not be more than Rs.45 lakh)

Secured

 10.00 

9.50%

9.50%

120

50%

25%

House Repair Loan (having name as owner on CTS or 7/12 extract In Metro City where agreement cost of house should not be more than Rs.35 lakh)

 6.00 

9.50%

9.50%

Gold Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

17

Gold Loan (Bullet Payment Without EMI)

Secured

 10.00 

9.50%

9.50%

120

50%

25%

Gold Loan (Payment with EMI)

 6.00 

9.50%

9.50%

Personal loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

18

Personal loan without salary deduction

Unsecured

 3.00 

14.00%

14.00%

60

0%

0%

Personal loan with salary deduction

 5.00 

12.75%

12.75%

Secured Personal Loan with property mortgage

Secured

 5.00 

15.00%

14.50%

Secured Personal Loan without guarantors

 5.00 

15.00%

15.00%

25%

Loan on Government Securities

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

19

Loan on Government Securities (National Saving Certificate, KVP, LIC, etc)

Secured

 70% of Facevalue 

11.00%

11.00%

End date of security

30%

30%

Secured

 Surrender Value of NSC, KVP, LIC 

11.00%

10.50%

End date of security

0%

0%

Loan against deposit

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

20

Loan against deposit (For Self FD)

Secured

 85% of Deposit amt 

Additional 2.00%

Additional 1.50%

End date of security

15%

15%

Loan against deposit (For FD other than depositor)

Additional 3.00%

Additional 2.50%

Loan against deposit (For FD of Co-op Societies)

Additional 1.00%

Additional 1.00%

Working Capital Term loan for MSME

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

22

Working Capital Term loan for MSME

Secured

 495

10.00%

10.00%

36

50%

25%

10.50%

10.50%

60

Term Loan for Housing

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

23

Term Loan for Housing/Commercial.Housing & Commercial Project Loan(Builder Finance)

Secured

25

12.5%

12.5%

36

50%

50%

500

12%

12%

Advance against Rent

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

24

Advance against Rent (Registered rent agreement is required)(Non Priority)

Secured

5

11.25%

11.25%

60

50%

25%

25

11.25%

11.25%

180

50

11.5%

11.50%

500

12.00%

12%

Cash Credit Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

25

Cash Credit Loan (For Working Capital) other than MSME

Unsecured

3

14%

14%


12

0%

50%

Secured

25

12.5%

12.5%

50%

500

12.5%

12.5%

Cash Credit Loan for MSME

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

26

Cash Credit Loan for MSME

Unsecured

3

14%

14%

12

0%

50%

Secured

25

12.5%

12.5%

50%

500

12.5%

12.5%

Cash Credit for Housing

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

27

Cash Credit for Housing/Commercial.Housing & Commercial Project Loan(Builder Finance)

Secured

25

12.5%

12.5%

12

50%

50%

150

12%

12%

Cash Credit against own FD

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

28

Cash Credit against own FD (Face value should be 110%)

Secured

500

11%

11%

12

50%

50%

Cash Credit against third-party FD (Face value should be 110%)

500

11.5%

11.5%

TOD on Cash Credit

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

29

TOD on Cash Credit (50% of Sanctioned amt)

Unsecured

2

16%

15.5%

3

50%

50%

Secured

10

16.5%

16%

150

16%

15.5%

TOD on Current Account for rationing shop

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

30

TOD on Current Account for rationing shop

Unsecured

5

10%

10%

1

0%

0%

TOD on Current Account

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

31

TOD on Current Account

Secured

25

18%

17.5%

3

50%

25%

Property Mortgage Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

32

Property Mortgage Loan

Secured

25

14%

13.5%

84

50%

25%

100

15%

14.5%

Heavy Commercial Machinery Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

32

Heavy Commercial Machinery Loan (Collateral Security is required)

Secured

Above Rs.100 lakh upto Rs.500 lakh

9.5%

9.5%

60

50%

25%

10%

10%

84

Weaker Section Loan

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

34

Weaker Section Loan

Unsecured

0.25

12%

12%

24

0%

0%

Bill Purchase

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

35

Bill Purchase- Cheque

Unsecured

1

18%

18%

3 days

0%

0%

Bill Discounting- Demand Draft

5000000

18.00%

18.00%

Term Loan for liquer Shops license fees

Sr. No

Type of loans

Unsecured/ Secured

Maximum Amt (In lakh)

General Int rate % 

Int rate for woman % 

Max period in months

Security Margin %

Margin agains Quotation %

43

Term Loan for liquer Shops license fees

Unsecured

1

18%

18%

12

0%

0%

Secured

17

10.5%

10.5%

50

25%