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    6 Loan Products 2015: Co-Op. Societies Individuals Agriculture Agriculture Non Farm Sector Non Farm

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    Abhishek Choudhary
    This document lists 28 different loan products offered by a cooperative society or bank in 2015, along with the applicable interest rates. The loan products include agricultural loans, personal loans, vehicle loans, housing loans, education loans, and loans for various business sectors. The interest rates range from 5.5% to 17% depending on the loan category, amount, and whether it is being offered to an individual or cooperative society. Penal interest of 2% is charged on overdue amounts for all loan types.

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    6 Loan Products 2015: Co-Op. Societies Individuals Agriculture Agriculture Non Farm Sector Non Farm

    Uploaded by

    Abhishek Choudhary
    29 views7 pages
    This document lists 28 different loan products offered by a cooperative society or bank in 2015, along with the applicable interest rates. The loan products include agricultural loans, personal loans, vehicle loans, housing loans, education loans, and loans for various business sectors. The interest rates range from 5.5% to 17% depending on the loan category, amount, and whether it is being offered to an individual or cooperative society. Penal interest of 2% is charged on overdue amounts for all loan types.

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    kcc bank

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    6 Loan Products 2015

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    This document lists 28 different loan products offered by a cooperative society or bank in 2015, along with the applicable interest rates. The loan products include agricultural loans, personal loans, vehicle loans, housing loans, education loans, and loans for various business sectors. The interest rates range from 5.5% to 17% depending on the loan category, amount, and whether it is being offered to an individual or cooperative society. Penal interest of 2% is charged on overdue amounts for all loan types.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    29 views7 pages

    6 Loan Products 2015: Co-Op. Societies Individuals Agriculture Agriculture Non Farm Sector Non Farm

    Uploaded by

    Abhishek Choudhary
    This document lists 28 different loan products offered by a cooperative society or bank in 2015, along with the applicable interest rates. The loan products include agricultural loans, personal loans, vehicle loans, housing loans, education loans, and loans for various business sectors. The interest rates range from 5.5% to 17% depending on the loan category, amount, and whether it is being offered to an individual or cooperative society. Penal interest of 2% is charged on overdue amounts for all loan types.

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    6 LOAN PRODUCTS 2015

    Co-Op. Societies Individuals Agriculture Agriculture Non Farm Sector Non Farm
    Sector Personal Vehicle Personal Vehicle Weavers/Industrial/Housing Housing Cash
    Credits Cash Credits

    Interest Rates on Loans & Advances w.e.f. 02-04-2015

    S.NO CATEGORY SOCIETY PUBLIC

    1 KISAN CREDIT CARD

    UP TO RS.300000 5.50% 7%

    ABOVE RS.300000 11.75% 12.75%

    2 MT AGRICULTURE& ALLIED ACTIVITIES(ALL


    AGRICULTURAL RELATED ACTIVITIES)

    UPTO RS.50000 11.25% 12%

    11.50%
    ABOVE RS.50000 12.25%

    3 TRACTOR MECHNIZATION/IRRIGATION ---- 12.75%

    10
    4 SHORT TERM LOAN OTHER PURPOSES 11.75% 12.75%

    5 CCL/TL SHG

    UPTO RS.50000 12.75%

    50001 TO RS.200000 13.25%

    ABOVE RS.200000 13.50%

    6 GCC/ECC//PERSONAL 15%

    COMPUTER / CONSUMER 14.75%

    14.50%
    7 LOAN AGAINST PROPERTY

    9 SLI 1% higher then


    8 LAFD 1% higher then
    deposit
    rates 2% higher
    1% higher then deposit
    then deposit rates
    rates

    10 SLI FOR STAFF AT PAR

    11
    11 CCL FOR (PDS/FERTILIZER/WEAVER)

    UPTO RS.100000 12.75 13

    ABOVE RS. 100000 13 13.5

    12 CCL HYPO TO INDIVIDUAL

    UPTO RS.100000 13.00%

    1000001 TO 4000000 13.50%

    ABOVE 40 LAKH 13.25%

    13 CCL FOR FERTILIZER

    UP TO Rs. 100000 12.75% 13.00%

    ABOVE Rs. 100000 13.00% 13.50%

    14 SLI AGAINST NSC/KVP/LIC 12.5%

    15 SLI TO STAFF AGAINST NSC/KVP/LIC AT PAR

    16 PERSONAL VEHICLE LOAN

    UPTO 3 YEARS 10.50%

    3YEARS TO 5 YEARS 11.25%

    ABOVE 5 YEARS 11.5%


    12

    17 COMMERCIAL VEHICLE

    UPTO RS. 300000 13.50%

    ABOVE RS 300000 13.75%

    18 CCL FOR TRANSPORT BUSINESS 14.00%

    19 TWO WHEELER

    FOR GOVT. EMP

    UPTO 3 YEARS 14.50%

    ABOVE 3 YEARS 15.00%

    FOR OTHERS

    UPTO 3 YEARS 14.50%

    ABOVE 3 YEARS 15.00%

    20 LOAN FOR HOUSE CONSTRUCTION/REPAIR/PURCHASE

    UPTO 5 YEARS 10.10%

    ABOVE 5 YEARS TO 10 YEARS 10.20%

    ABOVE 10 YEARS TO 15 YEARS 10.25%


    ABOVE 15 YEARS 10.50%

    13

    21 HIRING OF BANK BUILDING ACCOMODATION 13.75%

    22 NFS/SSI/HOTEL/MOTEL/K&VIB/DIC/OTHER NPS ACTIVITIES

    UPTO 5 YEARS 13.00%

    UPTO 10 YEARS 13.50%

    UPTO 15 YEARS 14.25%

    ABOVE 15 YEARS 14.25%

    23 DOCTOR/PROFESSIONAL LOAN

    UPTO 5 YEARS 13.25%

    UPTO 10 YEARS 13.75%

    UPTO 15 YEARS 14.25%

    ABOVE 15 YEARS 14.50%

    24 TERM LOAN WEAVERS


    UPTO RS.200000 10.75% 11.25%

    ABOVE RS.200000 11.75% 12.25%

    25 SGSY/SJSRY/SCC/SCAVANGER/SME

    14

    UPTO RS.50000 12.50%

    ABOVE RS.50000 13.50%

    26 EDUCATION LOAN

    UPTO RS.400000 11.85%

    400001 TO RS.700000 12.10%

    ABOVE RS. 700000 13.10%

    27 OVERDRAFT 17.00%

    28 TERM LOAN/CCL TO
    KAPARD/BOARDS/CORPORATIONS/IC
    DP
    as per
    sanction letter

    TABLE NO.
    2.6
    1) Penal interest @2%shall be charged on the overdue amount on all types of loans.
    The penal interest will be charged on product/scheme basis and may not be capitalized.

    2) Interest rate of LAFD to society’s i.e. 1% higher than deposit will be


    effective from

    02-04-
    2015.

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