Interest Rates

Competitive and transparent interest rates for deposits and loans

Interest Rate Applicable For Deposit

Fixed Deposit w.e.f 01/05/2025

Short term deposits

Regular Rate 4.00%%
Senior Citizen Rate 4.50%%

Short term deposits

Regular Rate 6.00%%
Senior Citizen Rate 6.50%%

Quarterly deposits

Regular Rate 6.50%%
Senior Citizen Rate 7.00%%

Half yearly deposits

Regular Rate 7.00%%
Senior Citizen Rate 7.50%%

Annual deposits

Regular Rate 7.50%%
Senior Citizen Rate 8.00%%

Long term deposits

Regular Rate 8.00%%
Senior Citizen Rate 8.50%%

Extended term deposits

Regular Rate 7.75%%
Senior Citizen Rate 8.25%%
Important Note

* Senior Citizen rates are applicable for members aged 60 years and above.
* Interest rates are subject to change based on RBI guidelines and market conditions.
* Premature withdrawal charges may apply as per company policy.

Interest Rate For Loans

Competitive rates for various loan products

Loans against gold ornaments

Interest Rate 12% - 15%%
Processing Fee 1%%

Unsecured personal loans

Interest Rate 14% - 18%%
Processing Fee 2%%

Home purchase/construction

Interest Rate 10% - 12%%
Processing Fee 1.5%%

Two & four wheelers

Interest Rate 11% - 14%%
Processing Fee 1.5%%

Business financing

Interest Rate 13% - 16%%
Processing Fee 2%%

Study in India/Abroad

Interest Rate 10% - 13%%
Processing Fee 1%%
Loan Terms & Conditions

* Interest rates vary based on loan amount, tenure, and credit profile.
* Processing fees and other charges as applicable.
* Rates are subject to change without prior notice.
* For exact rates and eligibility, please contact our nearest branch.