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The determination of establishing the Financial independence has led to the foundation and framework of Nagrik Sahakari Bank.
Loan Interest Rates
Sr. No Sizes and types of loans and advances Interest rates% per year
applicable from the date 01-06-2018
GL Code Proposed (Amended) Framework of interest
rates from the date 01-11-2018
-1 Housing Loan
(A) Building / Flat Purchase / house purchase building expansion, conversion and finishing work.
(i) Up to 5 years 10.00% 189 10.00%
(ii)More than 5 years 9.50% 190 9.50%
(B)(i) plots the purchasing / building repair / shopping complex / Store Purchase
(i) Up to 5 years 11.50% 179 10.50%
(ii) More than 5 years 10.00% 180 10.50%
(B)(ii)
Building Repair / Building Construction & Finishing Work
(i) Up to 5 years 10.50% 179 10.50%
(ii) More than 5 years 10.00% 180 10.50%
(c)
Building / Flat Purchase / Housing Purchase (Permitted)
(i) 63 months and more (debt distributed from 10-11-2015 to 31-01-2017) 9.50% 219 9.50%
(ii)
Debt distributed upto 63 months and more (01-02-2017 to 04-06-2017)
9.00% 219 9.00%
(D)
Building / Flat Purchase / Housing Purchase (Permitted)

63 months and more (loan distributed from 05-06-2017)



i)
For men's category
8.50% 219 8.50%
(ii)
For women category
8.35% 223 8.35%
2 (A) Business loan
(a)
Cash credit limit
(i) Rs. Upto Rs. 10,00,000 / 10.50% 175 10.50%
(ii) Above Rs. 10,00,000 / - Upto Rs. 2 crores 11.00% 175 10.50%
(iii) Above 2 crores 10.50% 175 10.50%
(b)
More years Account
i) Rs. Up to 10.00.000 / 11.00% 176 10.50%
ii)
Rs. Above Rs. 10,00,000 / - Upto Rs. 2 Crore
11.50% 176 10.50%
iii) Above 2 crores 10.50% 176 10.50%





(c)Term loan for business (term loan for vehicle, machinery and business)
i) Upto Rs.10.00.000/ 11.50% 178, 181 10.50%
ii) Above Rs 10.00.000/- 12.00% 178, 181 11.00%





(B)
Special package on new manufacturing unit / industry placement (from 05.06.2017 to 31.03.2018)
(a) Loan limit maximum amount up to 2 crores
i)
For plant and machinery
10.50% 178, 181 10.50%
ii)
For workstation Finance
10.50% 175, 176 10.50%
(C)
Business Loans, General Stores, Provision Stores / Gift Items, Textiles / Readymade, Utensils, Milk Dairy / Dessert, Decoration Furniture / Trading, Purchase Sales & Beauty Parlor & Medical Stores For Business
(Use June 5, 2017 June to March 31, 2018)
(i) OD Facility for Festival Occasion 10.50% 220 10.50%
(ii) CC Facility for Festival Occasion 10.50% 221 10.50%
(iii) Term Loan for Festival Occasion 10.50% 222 10.50%
-3
Battery Runed Automated Vehicle – E-Riksha

Battery Runed Automated Vehicle - E-Riksha
(Maximum loan limit amount up to Rs 1.00 lakh)
10.00% New GL 224 10.00%
-4 Auto loan for personal use
(अ)
Four wheel Vehicle loan
a)
Four wheeled vehicles distributed till 02.08.2015
Loans (for men and women classes)
10.50% 191 10.50%
b) Four distributed from 03.08.2015 to 04.06.2017




Wheel vehicle loan



i)
For men's category
10.50% 191 10.50%
ii) For women category
10.00% 217 10.00%
c)
Four wheel vehicle loans distributed from 05.06.2017
i) For men's category
ii)For women category
9.25%
9.00%
191
217
09.25%
09.00%
(B)Two wheeler vehicle loan
a) Two wheel vehicle loans distributed till 02.08.2015
(For male and female classes)
14.00% 186 14.00%
b) Two wheel vehicle loans distributed from 03.08.2015
i) For men's category
ii) For women category
14.00%
13.50%
186
218
14.00%
13.50%
-5
Professional Loans - Male Category

Male class
(1)

Till Rs.10,00,000 /
11.00% 193 11.00%
(2) Above Rs.10,00,000 / -
12.00% 193 12.00%

Female class
(1) Upto Rs.10,00,000 /
10.50% 216 10.50%
(2)Above Rs.10,00,000 / - 11.50% 216 11.50%
-6 Real Estate Mortgage Personal Loans (Mortgage and Personal)

Real estate mortgage personal loan to meet personal goals

(A)
Term loan



i)On loans distributed on 04.06.2017 14.00% 183 14.00%
ii) On new loans distributed from 05.06.2017 14.00% 183 12.00%

(B)
Plus account



i)
O.D. facility distributed from 29.08.2017.
-- NEW GL ---225 13.00%
-7
Gold ornaments mortgage loan
(a)Gold Jewelry on Short Term Loans
(Upto Rs 2 lakh for 12 months)
12.00% 172 12.00%
(b)
Gold ornaments on mortgage on mid term term loans
60 months for Rs. 5 lakhs)
12.00% 194 12.00%
(c) Supervisory facility for gold jewelery pledge (Rs. 10 lakhs for 12 months) 13.00% 215 13.00%
-8 Unsecured and Consumption Loans (Hypothecation Loans)
(a)
On unsecured personal collateral and other unsecured loans
15.00% 177 15.00%
(b) Departmental Salary Katto Consent and Unsecured Loans on a Personal Security
13.00% 185 13.00%
c)
Consumer durable goods such as T.V. fridges, furniture, home appliances, etc. on repository loans
14.00% 186 14.00%
-9 NSC / KVP / Life Insurance Policy / Warehouse Receipt Mortgage Loan
a)
Short term (term loan)






Short Term Demand Loan on National Savings Certificate / Kisan Vikas Patra / Life Insurance Policy and Security of Other Valued Securities
11.00% 174 11.00%
b)

More years facility
For all types of purposes by pledging the National Savings Certificate / Kisan Vikas Patra / Warehouse receipt 187 12.00%
-10
Education loan
(1) till rs .500000/ 12.00% 192 12.00%
-11 Staff Salary Agreements (P.L.R.) 11.00% 184 11.00%

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