Revised Interest Rates on Term Deposits to be deposited / renewed w.e.f. 01/05/2025
S. No. Time Period For deposit below 1 Crore (in %) For deposit above 1 Crore (in %)
1 7-14 Days 3.10% 3.50%
2 15-45 Days 3.50% 3.50%
3 46-90 Days 4.00% 4.25%
4 91-180 Days 5.00% 5.25%
5 91-364 Days 6.00% 6.25%
6 1 Year 6.85% 6.90%
7 More than 1 year, Till 2 years 6.85% 6.90%
8 More than 2 years, Till 3 years 6.80% 6.85%
9 More than 3 years, Till 5 years 6.75% 6.95%
10 More than 5 years, Till 10 years 6.50% 6.65%
11 444 Days 7.26% 7.26%
12 Saving Accounts with deposit less than 25 Crore 2.60%
13 Saving Accounts with deposit more than 25 Crore 2.75%
14 New interest rates will be applicable on Term Deposits as per above chart from 01.05.2025
15 Senior citizens will be given 0.50% more interest than the prevailing normal interest rate on deposits of minimum 1 year in single fixed/recurring deposit accounts after obtaining age certificate.
16 The higher interest rate of 1.00%/1.50% payable on fixed deposits to bank staff members/retired staff members (who are also senior citizens) will be admissible only after obtaining a written declaration to the effect that the amount to be deposited belongs to them (staff members). Along with this, the name of the staff member must be the first holder in the staff joint account. (Primary Customer ID must be staff Customer ID)
17 The guidelines given in the earlier issued circulars regarding interest rates on deposits, such as those related to calculation of interest to be paid before maturity etc. and all other conditions will remain applicable as before.

Interest Rates on Credit Card
S. No. Scheme Eligibility Margin Payoff Interest Rate (Annual)
1 Kishan Credit Card Committe Membership NW 1:10 5 years 3% Interest

interest rates of various schemes of diversification in loans and advances w.e.f. 01/12/2023

S. No. Scheme Loan Amount
Interest Rates
1
Loan for Firms and Businessman
2 Lakh to 30 Lakh
10.75%
2
Loan against Immovable Assets
Upto 60 Lakh
11%
3
SRTO
Upto 3 Lakh
11%
3 Lakh to 10 Lakh
11%
4
Agricultural Mechanization
Upto 2 Lakh
10%
Above 2 Lakh
10%
5
Housing Loan (Urban/Rural)
Upto 10 Lakh
8.75% Floating
10 Lakh to 75 Lakh (As per bank circular C-232, dated 13/10/2022)
9% Fixed
Building Owner Advance and Construction 
10 Lakh to 75 Lakh
11%
6
Gyandeep Education Scheme
Upto 10 Lakh
11%
7
Swarojgaar Credit Card
Upto Rs. 25000
12%
8
Personal Loan
Salaried individuals who receive their salaries at the branch
12%
For all others (By Bank circular C-152, dated 24/07/2023, Equal to 24 months Salary of (Basic Salary + Dearness Allowance) upto 10 Lakh)
13%
9
Salaried Cooperative Loan
By Bank circular C-374, dated 23/02/2023, 25 times of (Basic Salary + Dearness Allowance) upto 20 Lakh)
8.80%
10
Pt. Deen Dayal Upadhyay Cooperative Self Employment Scheme (Including Photostate, PCO, Flour Mill, Oil Mill)
Upto 50 Thousand
10.50%
50 Thousand to 2 Lakh 
11%
11
NSC / KVP
Upto 85% of Face Value
11%
12
Loan against Warehouse Receipt
2 Lakh
12%
13
Plot Registration Money
85% of Registered Amount upto 5 Lakh
13.50%
14
Car Loan for General Customer
By Bank circular C-312, dated 06/11/2023, upto 20 Lakh
8.80%
Two Wheeler Vehicle for General Customer
Upto 2.5 Lakh
9.50%
15
Overdraft
By Bank circular C-246, dated 30/03/2007, Equal to 2 months Salary of (Basic Salary + Dearness Allowance)
14.50%
Interest on all loans will be calculated on monthly basis. Which will be added to the account.