Head Office:- Ranchi Road, P.O.:- Purulia, Dist:- Purulia(W.B.), Pin:- 723101.
| Type of Loan | Direct Bank Finance | Refinance through Society | Ultimate Borrower (refinance) |
|---|---|---|---|
| K C C Loan | — (n/a) | 5.00% | 7.00% |
| MT Agril & Agril Allied | 10.00% | 10.00% | 11.00% |
| SHG | 11.00% | 9.00% | 11.00% |
| BSKP/ PMEGP etc. | 12.00% | — | — |
| Karma Sathi | 10.00% | — | — |
| 🏡 HOUSE BUILDING LOAN | |||
| Salaried (this bank) · CIBIL ≥700 / no CIBIL | 8.00% | — | — |
| Salaried (this bank) · CIBIL 650‑699 | 8.75% | — | — |
| Salary other bank/others · CIBIL ≥800 | 8.25% | 8.00% | 8.50% (≥800) |
| Salary other/others · CIBIL 750‑799 | 8.50% | 8.25% | 8.75% (750‑799) |
| Salary other/others · CIBIL 700‑749 | 8.75% | 8.50% | 9.00% (700‑749) |
| Salary other/others · CIBIL 650‑699 / no CIBIL | 9.00% | 9.00% | 9.50% (650‑699/no) |
| 🚗 VEHICLE LOAN (Non Commercial) | |||
| Salaried (this bank) · CIBIL ≥700 / no CIBIL | 8.25% | — | — |
| Salaried (this bank) · CIBIL 650‑699 | 9.00% | — | — |
| Salary other/others · CIBIL ≥800 | 8.50% | 8.00% | 8.50% (≥800) |
| Salary other/others · CIBIL 750‑799 | 8.75% | 8.25% | 8.75% (750‑799) |
| Salary other/others · CIBIL 700‑749 | 9.00% | 8.50% | 9.00% (700‑749) |
| Salary other/others · CIBIL 650‑699 / no CIBIL | 9.50% | 9.00% | 9.50% (650‑699/no) |
| 💳 PERSONAL / CONSUMPTION LOAN | |||
| Salaried (this bank) · CIBIL ≥700 / no CIBIL | 11.00% | — | — |
| Salaried (this bank) · CIBIL 650‑699 | 12.00% | — | — |
| Salary other/others · CIBIL ≥800 | 11.50% | 10.75% | 11.25% |
| Salary other/others · CIBIL 750‑799 | 11.75% | — | — |
| Salary other/others · CIBIL 700‑749 | 12.50% | — | — |
| Salary other/others · CIBIL 650‑699 / no CIBIL | 14.00% | — | — |
| Utsav Loan (salaried this bank, CIBIL ≥650) | 12.00% | — | — |
| Cash Credit up to ₹10L | 11.00% | — | — |
| Cash Credit ₹10L – ₹25L | 11.25% | — | — |
| Cash Credit above ₹25L | 11.25% | — | — |
| MT Non Farm Others | 11.50% | 11.00% | 12.00% |
| Advance against LIC/KVP/NSC | 10.00% | — | — |
| Advance against Term Deposit | 2% higher than contract rate | — | — |
1 Penal interest 1.00% p.a. over normal rate for all overdue loans except KCC.
2 Overdue KCC: penal 3.50% p.a. over normal for societies; for ultimate borrower: Bank to societies 8.50% p.a., societies to ultimate borrower 10.50% p.a. (inclusive of penal).
3 CIBIL score mandatory ≥650 for every individual borrower (direct/indirect) before sanction, except KCC, SHG, Loan Against LIC/KVP/NSC, Advance against TD.