1. Agricultural Sector:-

a. Agriculture production Credit

Particulars Lending Rate
Agriculture production Credit/Kisan Credit Card up to Rs 3 Lakh 7% p.a. ( for regular accounts)
Agriculture production Credit/Kisan Credit Card BPLR– 2% = 12.00% (Normal Rate of interest)

Note: Interest is 7% p.a. in the regular Crop Loan/KCC accounts on running balance outstanding up to Rs. 3 Lakh. On irregular accounts/outstanding beyond Rs. 3.00 Lakh, normal rate of interest is to be charged

b. Agriculture Term Loan

Particulars Lending Rate
Agri. Term loans BPLR–2.00% =12.00%
Loan for Farm Mechanization: (Tractor, Harvester, Power Tiller etc): BPLR- 1.50 %=12.50 %

2. Small Enterprises Advances (MSE) including trading advances covered under MSME Act.

a. Loan covered under MUDRA Scheme:-

Particulars Lending Rate
UptoRs 50000/- BPLR –4.40% = 9.60
Rs 50001/- to 200000/- BPLR –3.80% = 10.20
Rs200001/- to 10.00 Lakh BPLR – 2.00% = 12.00%

Note : All Non Farm activities uptoRs. 50000/- to be covered under Mudra.

b. Loan to Micro & Small Enterprises not covered under MUDRA Scheme.

Particulars Lending Rate
Advances over Rs. 50000/- but up to Rs. 20 Lakh BPLR-2.00% =12.00 % (Loan up to 10.00 Lakh to be covered under MUDRA)
Advances over Rs. 20 Lac but up to Rs. 50 Lakh BPLR-2.00% =12.00 %
Advances Over Rs. 50 Lakh BPLR- 2.00% =12.00%

c. Trading Advances covered under MSME (Other than that covered under MUDRA Loan) :-

In order to encourage collateral based lending in trading advances mentioned above, additional reduction will be given in ROI on the basis of collateral security available as under:

Realizable Value of Collateral Security Lending Rate
Upto 50% of Loan Amount BPLR-2.00%=12.00%
Above 50% &upto 75% of Loan Amount BPLR-2.25%= 11.75%
Above 75% &upto 100% of Loan Amount BPLR-2.50% = 11.50%
Above 100% &upto 125% of Loan Amount BPLR-2.75%= 11.25%
Above 125% &upto 150% of Loan Amount BPLR-3.00%= 11.00%
Above 150% &upto 200% of Loan Amount BPLR-3.25%= 10.75%
Above 200% of Loan Amount BPLR-3.50%= 10.50%


• The benefit of additional reduction in ROI based on collateral security shall be given only in those cases where the limit/facility is secured by primary security. For this purpose, Primary security shall be the asset created out of the credit facility extended to the borrower and /or which are directly associated with the business/project of the borrower for which the credit facility has been extended and collateral security shall be any other security offered for the said credit facility.

• It is to be ensured that above reduction in ROI is only for the advances secured by way of tangible collateral security. 2nd charge, negative lien & charge on agriculture land are not to be considered as collateral security for the purpose of reduction.

3. Trading Advances not covered under MSME Act

Particulars Lending Rate
i. Upto Rs.2 lakh
ii. Above Rs.2 lac &upto Rs.50 lakh BPLR -0.50 % = 13.50%
iii. Above Rs.50 lakh

4. Doctors Loan (Financing Professionally Qualified Medical Practitioners)

Particulars Lending Rate
Advances up to Rs. 20.00 Lakh BPLR-3.00 % = 11.00%
Advances over Rs. 20.00 Lakh BPLR-2.75% = 11.25 %

5. Financing for Godown:-

Particulars Lending Rate
Financing under capital Investment Subsidy
Scheme for construction/renovation
expansion of rural Godowns:
BPLR- 1.50 %=12.50 %
Advances for construction of Godowns as per
FCI/CWC specifications:
BPLR- 1.50%=12.50 %

6. Financing against pledge of warehouse receipts issued by CWC having forward sale contract with members/brokers of NMCE:

Particulars Lending Rate
(a) Upto 2 Lakh BPLR-1.00% =12.00 %
(b) Over Rs. 2 Lakh BPLR -1.50% =12.50 %

7. Advances to Food and Agro-based processing units

Advances to Food and Agro-based processing units i.e. Rice Sheller units/cold Storage Units/Seed Processing Units/Flour Mills/Oil Mills and Advance to units engaged in Food and Agro Processing Activities like manufacturing/processing of pluses,Dal,Suzi,Besan etc. & its allied activities provided that the advances are covered under priority Sector:

Particulars Lending Rate
(a) Upto 20 Lakh BPLR-1.50%=12.50 %
(b) Over Rs. 20 Lakh BPLR -1.00%= 13.00 %

8. Advances under ‘Self Help Group Scheme (SHGs):

Particulars Lending Rate
A) Loan to WSHGs under NRLM (for Category I District) and NULM up to Rs. 3.00 Lac 7.00 %
B) Loan to WSHGs under SRLM (for Category II District) BPLR-1.50%=12.50%
C) Loan to SHGs other than mentioned above BPLR-1.50%=12.50%

9. Financing Solar Water Heater Systems & Solar Lighting & Solar Photo vatic Water Pumping System etc.:

BPLR -2.00 % = 12.00%

10. (a)Advances to Commercial Real Estate:

Particulars Lending Rate
a) Advances upto Rs. 2 Lakh BPLR-0.50 % = 13.50 %
b) Advances over Rs. 2 Lakh BPLR = 14.00 %

(b) Advances against future lease rentals (Non-CRE category)

Particulars (Realizable value of collateral security)
Lending Rate
UptoRs 10 Lakh Above Rs 10 Lakh &uptoRs 1 Crore
Upto 100 % of Loan Amount BPLR-3.00%=11.00 % BPLR-3.50%=11.50%
Above 100% and upto 150% of Loan Amount BPLR-3.25%=10.75 % BPLR-2.75%=11.25%
Above 200% of Loan Amount BPLR-3.50%=10.50 % BPLR-3.00%=11.00%

11. Financing dealer for purchase of vehicles from RMCs:

BPLR-0.75% = 13.25%

12. Advances to other categories of borrowers including NBFCs, Sugar Units, Services Sector & Advances to medium & large enterprises:

The interest rates for advances to borrowers, for which rates have not been specified elsewhere in the circular, shall be fixed as under:-

Particulars Lending Rate
Advances uptoRs. 20 Lakh BPLR-1.00% = 13.00%
Advances above Rs. 20 Lakh BPLR -0.50= 13.50%

13. Adhoc Limits:

Adhoc Limits: In case of Adhoc limits, interest @ 2% above normal rate applicable to the borrower be charged

14. Transport Operators:

Particulars Lending Rate
Advances upto Rs. 20 lakh BPLR- 2.50% = 11.50 %
Advances over Rs. 20 lakh BPLR-2.00% = 12.00 %

In case of terms Loans sanctioned for Bank premises, the contractual rate of interest stipulated at the time of sanction of the loan be charges and periodical revision of interest rates in such advances should not be made.

16. Advances Against:

Particulars Lending Rate
a) Life Insurance Policies (LIP) / Postal
securities (NSC/KVP/IVP)/RBI relief Bonds
I. Demand Loan BPLR – 2.50 %= 11.50 %
I. Overdraft BPLR – 2.00= 12.00 %
b) Other Govt. Securities, Bonds, Units of Mutual Fund, etc. BPLR-0.5% = 13.50%

17. DRI Advances:-

DRI Advances 4.00 % ( Exempted from BPLR)

18. Clean Advances:-

Clean Advances BPLR + 0.50% = 14.50%

19. Advances Against Bank’s Own Deposits (exempted from BPLR):

Particulars Lending Rate
Rupee Loan & Advances against Term Deposits standing in the name of Individual borrower (singly/jointly or as a guardian), including NRE deposits 2% above the rate allowed on deposit
Advances to Borrowers against third party term deposits including NRE deposits standing in the name of individuals or entities other than individuals e.g. Partnership Concerns, Societies, Trusts, Public/ Private Ltd Cos etc. 2% above the rate allowed on deposit,
Rupee Loans & Advances against FCNR(B) Deposits standing in the name of the borrower (singly/jointly or as a guardian), Advances against term deposits held by the bank for less than minimum stipulated period of FDR (on cancellation) and for 2% above the rate allowed on deposit subject to minimum BPLR
Advances against third party FCNR(B) deposits BPLR +0.25% = 14.25%

20. Intermediary Agencies:

Particulars Lending Rate
Term Loans sanctioned and working Capital Advance to intermediary Agencies (including Housing Finance Agencies) BPLR-0.50=13.50%