Interest Rates
- Rates
- Schedule of Charges
- Charges
Interest Rates On Loans & Advances
In terms of guidelines issued by Reserve Bank of India regarding implementation of External Benchmark Based Lending rates, Bank has introduced Repo Linked Lending Rates for all floating rate loans to Personal, Retail and Micro/ Small enterprises w.e.f. 1st October,2019 and for all floating rate loans to Medium enterprises w.e.f. 1st April, 2020.
For loans to Personal, Retail and Micro/ Small/ Medium enterprises, applicable Repo Rate is 5.50% w.e.f. July 01, 2025
The actual lending rate will be Repo Rate plus applicable spread for the said loan.
| Effective from 01.04.2016, all rupee loans sanctioned/ disbursed and credit limits
renewed will be priced with reference to the MCLR. MCLR is subject to monthly
review and the rates given below will be effective till next review. Tenor-based
MCLR effective from 1st Nov, 2025 is as under: | |
| Tenor | MCLR (%) p.a. |
| Overnight MCLR | 8.50% |
| 2 days to 1 month MCLR | 8.50% |
| Over one month to three months MCLR | 9.10% |
| Over three months to six months MCLR | 9.80% |
| Over six months to one year MCLR | 10.10% |
Information on MCLR
The MCLR is computed by taking into account –
- Marginal cost of funds
- Negative Carry on Cash Reserve Ratio
- Operating costs and
- Tenor Premium
MCLR is the minimum lending rate. Bank's final lending rates for various types of
loans and advances are arrived at by adding the spread to the MCLR based on
rating or tenor corresponding to the residual period to next interest reset of the
loan.
MCLR prevailing on the day, the loan is disbursed will be applicable till the next
reset date, irrespective of the changes in the benchmark during the interim. The
reset dates are linked to the MCLR review date and reset frequency.
Borrowers whose accounts are linked to BPLR/ Base Rate can approach the Branch Manager for conversion of their loan accounts to MCLR linked interest rates, at mutually acceptable terms.
The Base Rate of the Bank is 11.90 % p.a. w.e.f 3rd September, 2024.
Benchmark Prime Lending Rate(BPLR) of the Bank is 21% p. a. w.e.f 2nd November, 2011
Click Here For Loan Products Interest Rates w.e.f. 1st November, 2025
Interest Rates On Deposits & Accounts
| Retail Non-callable Deposits | |||
| w.e.f 04.10.2025 | Amount | Period | Interest rate |
| > 1 Crore upto Rs 3 Crore | 12 months to 13 months | 7.00% | |
| Term Deposits-Domestic & NRO Deposits (w.e.f. 3.11.2025) | |
| Term Deposits (All Maturities) | Rates of Interest (Less than Rs.3 Crore) |
| 7 Days to 14 Days | 4.00 |
| 15 Days to 45 Days | 4.00 |
| 46 Days to 60 Days | 4.00 |
| 61 Days to 90 Days | 4.00 |
| 91 Days to 179 Days | 5.25 |
| 180 Days to less than one year | 5.25 |
| 300 Days (Use 9 months and 27 days while opening FD in online mode) | 6.60 |
| 1 Year and above upto & inclusive of 2 years | 6.25 |
| 400 Days (Use 13 months and 4 days while opening FD in online mode) | 6.80 |
| Above 2 years upto & inclusive of 3 years | 6.50 |
| Above 3 years upto & inclusive of 5 years | 6.50 |
| Above 5 years upto & inclusive of 10 years | 6.60 |
|
| NRE (All Maturities) (w.e.f 1.09.2025) | Rates of Interest (Less than Rs.3 Crore) |
| Above 1 year upto & inclusive of 2 years | 6.25 |
| 400 days | 6.80 |
| Above 2 years upto & inclusive of 3 years | 6.50 |
| Above 3 years upto & inclusive of 5 years | 6.50 |
| Above 5 years upto & inclusive of 10 years | 6.60 |
|
| 1) FCNR (B) Interest Rate w.e.f. (4th October, 2025) | |||||
| | 1 year & above but less than 2 years | 2 years & above but less than 3 years | 3 years & above but less than 4 years | 4 years & above but < 5 years | 5 years only |
| Rates of Interest (% p.a) | |||||
| i) USD | 5.10 | 4.25 | 4.10 | 4.10 | 4.20 |
| ii) GBP | 3.54 | 3.29 | 1.99 | 1.99 | 1.99 |
| iii) EUR | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| iv) SGD | 0.05 | * | * | * | * |
|
| 2) RFC Interest Rates w.e.f. (4th October, 2025) | ||||
| | 6 months and above but less than 1 year | 1 years & above but less than 2 years | 2 years & above but less than 3 years | 3 years |
| Rates of Interest (% p.a) | ||||
| i) USD | 5.10 | 5.10 | 4.25 | 4.10 |
| ii) GBP | 3.54 | 3.54 | 3.29 | 1.99 |
| iii) EUR | 0.05 | 0.05 | 0.05 | 0.05 |
| Savings Bank Account Rates (w.e.f. 06.11.2025) | ||||||
| NATURE | RATES OF INTEREST (% p.a) | |||||
| A.Domestic | Upto Rs.1 Lakh | Above Rs.1 Lakh and upto Rs.5 Lakh | Above Rs.5 Lakh and upto Rs.50 Lakh | Above Rs 50 lac and up to Rs 10 Cr | Above Rs 10 Cr and up to 50 Cr | Above Rs 50Cr |
| a) Accounts with balance upto Rs.1 Lakh | 2.50% | -- | -- | -- | -- | -- |
| b) Accounts with balance above Rs.1 Lakh & upto Rs.5 Lakh | 2.50% | 2.75% | -- | -- | -- | -- |
| c) Accounts with balance above Rs.5 Lakh & upto Rs.50 Lakh | 2.50% | 2.75% | 3.25% | -- | -- | -- |
| d) Accounts with balance above Rs 50 Lakh and up to Rs 10 Cr | 2.50% | 2.75% | 3.25% | 4.00% | -- | -- |
| e) Accounts with balance above Rs 10 Cr | 2.50% | 2.75% | 3.25% | 4.00% | 6.50% | 4.00% |
| B. Non Resident | | | | | ||
| a) NRO | 2.50% | 2.75% | 3.25% | 4.00% | 6.50% | 4.00% |
| b) NRE | 2.50% | 2.75% | 3.25% | 4.00% | 6.50% | 4.00% |
| Term Deposits (All Maturities) | Rates of Interest w.e.f (15.10.2025) | |||||||
| Tenure | 7-14 Days | 15-30 Days | 31-45 Days | 46-90 Days | 91-100 Days | 101-179 Days | 180 Days – less than 1 Year | 1 Year & Upto 2 Years (Domestic and NRE) |
| Rs.3 Crore and upto Rs.5 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 6.00 |
| Rs.5 Crore and upto Rs.10 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 6.00 |
| Above Rs.10 Crore and upto Rs.25 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 6.00 |
| Above Rs.25 Crore and upto Rs.50 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 6.00 |
| Above Rs.50 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 6.00 |
- Rates above will apply for the tenors / amount slabs mentioned.
- Above rates are subject to change. The permission to accept the bulk deposit would be given by Treasury Department keeping in view the liquidity position of the Bank. No senior citizen benefits available for single deposit of Rs.3 crore & above.
| Term Deposits (All Maturities) | Rates of Interest w.e.f ( 15.10.2025) | |||||||
| Tenure | 7-14 Days | 15-30 Days | 31-45 Days | 46-90 Days | 90-100 Days | 101-179 Days | 180 Days – less than 1 Year | 12 m to 13m (Domestic and NRE) |
| Rs.3 Crore and upto Rs.5 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 7.00 |
| Rs.5 Crore and upto Rs.10 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 7.00 |
| Above Rs.10 Crore and upto Rs.25 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 7.00 |
| Above Rs.25 Crore and upto Rs.50 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 7.00 |
| Above Rs.50 Crore | 5.25 | 5.25 | 5.25 | 5.00 | 6.10 | 6.00 | 6.00 | 7.00 |
POPULAR
INTEREST RATES
Starting From
7.90%
Starting From
9.90%
Starting From
