Interest Rates

Competitive and transparent interest rates for deposits and loans

Interest Rate Applicable For Deposit

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

15 DAYS TO 29 DAYS

Short term deposits

Fixed Deposit 4.00%
Fixed Deposit (Senior) 4.50%

30 DAYS TO 45 DAYS

Short term deposits

Fixed Deposit 6.00%
Fixed Deposit (Senior) 6.50%

46 DAYS TO 90 DAYS

Quarterly deposits

Fixed Deposit 6.50%
Fixed Deposit (Senior) 7.00%

91 DAYS TO 179 DAYS

Half yearly deposits

Fixed Deposit 7.00%
Fixed Deposit (Senior) 7.50%

180 DAYS TO 364 DAYS

Annual deposits

Fixed Deposit 7.50%
Fixed Deposit (Senior) 8.00%

12 MONTHS TO 24 MONTHS

Long term deposits

Fixed Deposit 8.00%
Fixed Deposit (Senior) 8.50%

25 MONTHS TO 60 MONTHS

Extended term deposits

Fixed Deposit 7.75%
Fixed Deposit (Senior) 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

Gold Loan

Loans against gold ornaments

Interest Rate 12% - 15%
Processing Fee 1%

Personal Loan

Unsecured personal loans

Interest Rate 14% - 18%
Processing Fee 2%

Housing Loan

Home purchase/construction

Interest Rate 10% - 12%
Processing Fee 1.5%

Vehicle Loan

Two & four wheelers

Interest Rate 11% - 14%
Processing Fee 1.5%

Business Loan

Business financing

Interest Rate 13% - 16%
Processing Fee 2%

Education Loan

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.