DEPOSIT INTEREST RATES

With effect from 01.02.2014

Deposit Period
General
Public
Senior
Citizen
NRO
deposits
NRE deposits
21 days to 45 days 7.00 7.50 7.25 --
46 days to 90 days 7.50 8.00 7.25 --
91 days to 179 days 7.75 8.25 7.75 --
6 months to less than 1
year
8.50 9.00 8.50 --
1 year 9.25 9.75 9.25 9.25
Above 1 year to 3 years 9.25 9.75 9.25 9.25
Above 3 years to 5 years 8.50 9.00 9.50 9.25
Above 5 years to 10
years
8.50 9.00 9.00 --
PGB Tax Saver 9.00 9.50 -- --



PGB double SCHEME WITHDRAWN FROM 01.02.2014
** Applicable for an aggregate deposit not exceeding Rs. 25 lakhs in the
name of the depositor in the same branch / or at different branches.
For exceeding Rs. 25 lakhs the Card rate for General Public only eligible

DEPOSIT PRODUCTS
SHORT DEPOSITS
FIXED DEPOSITS
SEERVARISAI THITTAM ( RDP )
THINGAL THORUM THIRAVIAM ( MID )
RECURRING DEPOSITS
NIITHAM VALAR NITHI ( NVN )
PGB DOUBLE
PGB TAX SAVER

LOAN PRODUCTS
FARM SECTOR
KISAN CREDIT CARD
AGRICULTURAL CROP LOAN
AGRICULTURAL JEWEL LOAN
ALLIED ACTIVITY LOAN
FARM MECHANISATION LOAN
MINOR IRRIGATION LOAN
FISHERIES LOAN , etc.

NON FARM SECTOR
GENERAL CASH CREDIT
SELF HELP GROUP FINANCE & JOINT LIABILITY GROUP FINANCE
LOANS FOR SMALL BUSINESS ENTERPRISES \ TRADERS \ SERVICE SECTOR
DEMAND LOAN AGAINST DEPOSITS , NSC BONDS & LIC POLICY
LOANS FOR SMALL SCALE INDUSTRIES.
LOANS FOR VILLAGE & COTTAGE INDUSTRIES
INDUSTRIAL CREDIT, BUSINESS / TRADE LOAN
LOANS FOR TRANSPORT OPERATORS
JEWEL LOANS.
CONSUMER LOAN TO SALARIED PERSONS
LOANS FOR MEDICAL PROFESSIONALS
HOUSING LOAN
LOANS AGAINST RENT RECEIVABLES ,
CAR \ VEHICLE LOANS
EASY LOANS
GRAMEEN TATKAL SCHEME










Priority Sector Advances
Rate of
Interest
(%)
Trading & Non Priority Sector
Advances
Rate of
Interest
(%)

1.Agri.Term Loan
Upto `.50000/-
`.50001 TO `.2 lacs
Above `.2 lacs -


11
12
12.5
8.JEWEL LOAN (OTHERS)
Upto `.100000/-
Above `.1 lac to 3 lacs
Above `.3 lacs

12.5
13.5
14

9.Easy Trade Finance to RT
Upto `. 2 lacs
Above `. 2 lacs

13.5
14

2.AJL/KCC/CROP **
Upto `.50000/-
`.50001 TO `.2 lacs
Above `.2 lacs

11
12
13

10.PUSHPAVAHANAM

12.50

11. CLSP (w.e.f.20.09.12) 16

3.SHG
Upto `.50000/-
`.50001 to `.2 lacs .
Above `.2 lacs

12
13
13.50
12.EASY LOAN 15

13.Loan against NSC/KVP/ LIC
TRADE CREDIT /MCC
LIQUIRENT/

14.5


4. SME (WC & TL)
Upto `.2 lacs
Above `.2 lacs
For KVIC:Interest rate applicable as
per SME activity
5.Educational loan
Upto ` .50000/-
` .50001/- to `.2 lacs
Above `.2 lacs

12.5
13.5



12.5
13.5
14
14.GRAMEEN TATKAL
SCHEME
13

15.JLG:For MSE:
a) crop loan: upto `.50000/-
upto `.1.00 lac
b) Agri Term Loan:
upto `.50000/-
upto `.1.00 lac
14.5%
11%
12%

11%
12

16.DEMAND LOAN




FIXED DEPOSIT SCHEMES:
SHORT DEPOSITS
FIXED DEPOSITS
SEERVARISAI THITTAM
SPECIAL FIXED DEPOSIT-MONTHLY
SPECIAL FIXED DEPOSIT-QUARTERLY
RECURRING DEPOSITS
PGB - TAXSAVER
NITHAM VALAR NITHI
6. Housing Loan
Priorty- upto `.25.00 lacs
Rural Housing loan: ( 3 to 7 yrs)
Upto `.15.00 lacs
Urban Housing loan:( 3 to 7 yrs)
Up to `.10 lacs
Above `.10.00 lacs & `.15.00 lacs
Non-priority above `.25.00 lacs

12%

10.25

10.75
12.00
14.00
a) Loan to Depositor
b) CC to Depositor
c) Loan/CC to Third party
DR + 1.5%
DR + 2%
DR + 2%

17.CLEAN OVERDRAFT/DBP 15

**Upto `.3.00 lacs is 7%p.a., which is applicable
upto one year from the date of disbursement or
date of closure whichever is earlier
Agriculture Term loan-Jewel loan:
Upto `.2.00 lacs : 10.50%
Above `.2.00 lacs: 11.00%

7.Govt. Sponsored Schemes
TAHDCO & Other schemes
Upto `.2 lacs
Above `.2 lacs upto `.5 lacs
Above `.5.00 lacs