RATE OF INTEREST ON ADVANCE UNDER RETAIL SCHEMES

Housing Loan Scheme : ROI w.e.f. 06-12-2025

House Loan Scheme		ROI w.e.f. 06.12.2025
		Up to 30 lac	Above 30 lac upto 75 lac	Above 75 lac
For Govt. Employees or Pensioners	Irrespective of CIC Score	7.25%	7.05%	7.15%
Women	CIC Score 800 and Above	7.25%	7.05%	7.15%
	CIC Score 750 to 799	7.25%	7.05%	7.15%
	CIC Score 700 to 749	7.45%	7.30%	7.50%
	CIC Score 650 to 699	8.00%	7.90%	8.00%
	CIC Score less than 650	8.25%	8.20%	8.20%
Others	CIC Score 800 and Above	7.25%	7.05%	7.15%
	CIC Score 750 to 799	7.25%	7.05%	7.15%
	CIC Score 700 to 749	7.50%	7.35%	7.55%
	CIC Score 650 to 699	8.05%	7.95%	8.05%
	CIC Score less than 650	8.30%	8.25%	8.25%

Car Loan Scheme : ROI w.e.f. 06-12-2025

Car Loan Scheme		ROI w.e.f. 06.12.2025
Car Loan Scheme		New Car	Old Car
Women	CIC Score 750 & Above	7.55%	9.55%
	CIC Score 700 to 749	7.80%	9.80%
	CIC Score less than 700	8.30%	10.30%
For all others up to 7 years	CIC Score 750 & Above	7.55%	9.55%
	CIC Score 700 to 749	7.90%	9.90%
	CIC Score less than 700	8.40%	10.40%
For Confirmed Govt. Employees	Irrespective of CICs Score	7.45%	9.45%
Car Loan 100% secured by Mortgage	Irrespective of CICs Score	7.45 %	9.45%

Mortagage Loan Against Immovable Property W.E.F 06.12.2025

MORTGAGE LOAN AGAINST IMMOVABLE PROPERTY (IP)
Based on CIC Score of the Borrower	ROI w.e.f. 06.12.2025
	Term Loan	Overdraft
CIC Score 750 & above	9.90%	10.40%
CIC Score 700 And upto 749	10.40%	10.90%
CIC Score less than 700	11.00%	11.50%
Further, Concession in Rate of interest will be given on the basis of realizable value of Immovable property offered as security as given hereunder:
Available Realizable Value of IP	Concession in ROI
Above 200% & upto 250% of loan amount	0.25%
Above 250% & upto 300% of loan amount	0.50%
Above 300% of loan amount	0.75%

EDUCATION LOAN w.e.f 06.12.2025

EDUCATION LOAN w.e.f. 06.12.2025
Amount of Loan	Repayable in less than 3 yrs	Repayable in 3 yrs & above
Amount of Loan	ROI	ROI
Upto Rs.4.00 lac	10.40%	10.40 %
Over Rs.4.00 lac & upto Rs 7.50 lac	10.40%	10.40%
For Loan above Rs. 7.50 lakh	10.75%	10.75%
Education Loan secured by Mortgage of IP covered under SARFAESI or Loan is secured by Liquid security
Security ≥ 100%	10.00%
Security > 200%	10.00%

EDUCATION LOAN UNDER PGB UJJWAL

Parameter	ROI
For Loan Amount upto Rs. 7.50 Lakh: Student getting admission in IIMs, IITs	8.05%
or Loan Amount upto Rs. 7.50 Lakh: Student getting admission in institutes other than IIMs, IITs	8.05%
For Loan Amount Above Rs. 7.50 Lakh: Student getting admission in IIMs, IITs	8.05%
For Loan Amount Above Rs. 7.50 Lakh: Student getting admission in institutes other than IIMs, IITs	8.05%

PERSONAL LOAN SCHEME: LOANS TO GOVT. EMPLOYEES w.e.f 06.12.2025

Based on CIC Score of the Borrower	TERM LOAN	OVERDRAFT
CIC Score 750 & above	9.75%	10.00%
CIC Score 700 And upto 749	10.30%	10.50%
CIC Score less than 700	11.50%	12.00%

PGB SAHAYATA RIN”-PERSONAL LOAN SCHEME FOR INDIVIDUALS OTHER THAN EMPLOYEES OF CENTRAL/ STATE GOVT. / PSUs & DEFENCE PERSONNEL w.e.f 06.12.2025

Based on CIC Score of the borrower	TERM LOAN	OVERDRAFT
CIC Score 750 & above	10.25%	10.50%
CIC Score 700 And upto 749	10.80%	11.00%
CIC Score less than 700	12.50%	13.00%

Personal Loan Scheme for Doctor’s: PGB Doctor’s Delight: w.e.f 06.12.2025

Based on CIC Score of Borrower	TERM LOAN	OVERDRAFT
CIC Score 750 & above	9.75%	10.00%
CIC Score 700 And upto 749	10.30%	10.50%
CIC Score less than 700	11.50%	12.00%

TWO WHEELER LOAN w.e.f 06.12.2025

Description	Repayable in 3 years	Repayable in more than 3 years
Salary being disbursed through PGB and/or under check-off facility	10.75%	10.75%
Others including business concern	11.25%	11.25%
Women Power Ride – Upto 36 months	9.90%

AGRICULTURE Advances wef : 01.11.2025

PGB KISAN CREDIT CARD (KCC) Scheme:

	Revised ROI w.e.f 01.11.2025
Regular Crop Loans/KCC
(a)UptoRs.50,000/-	7.00%
(b)AboveRs.50,000/-butuptoRs3.00lakhs	7.00%
(c)AboveRs.3.00lakhsbutuptoRs20.00lakhs	11.00%
(d)AboveRs.20.00lakh	11.25%

(b) KISAN CREDIT CARD (KCC) SCHEME : WORKING CAPITAL FOR ANIMAL HUSBANDRY AND FISHERIES:

	Revised ROI w.e.f 01.11.2025

(a)Upto Rs 2.00lakh	7.00%
(b)AboveRs.2.00lakh and upto Rs. 20.00 lakh	11.00%
(c) Above Rs. 20.00 lakh	11.25%

(c ) PGB KISAN GOLD CARD(KGC)Scheme:

	Revised ROI w.e.f 01.11.2025
Regular Crop Loans/KCC
(a)UptoRs20.00lakhs	11.00%
(b)AboveRs.20.00lakh	11.25%

(d) Agriculture Term Loans & Working Capital for Allied Activities:

Sanctioned Limit	Revised ROI w.e.f 03.05.2025
	Term Loan	Working Capital
Upto Rs.50,000/-	12.00%	12.00%
Above Rs.50,000/-but upto Rs.2.00lakh	11.00%	11.50%
Above Rs.2.00lakh but upto Rs.5.00lakh	11.00%	11.50%
Above Rs.5.00 lakh but upto Rs.20.00lakh	11.00%	11.50%
Above Rs.20.00lakh	11.50%	11.75%

( e ) Kisan Tatkal Rin Yojana:

	Rate of interest
Term Loan	11.50%
Overdraft Limit with reducing Drawing Power(DP)	12.00%

(f) COMBO SCHEME-INVESTMENT CREDIT:

	Rate of interest
a)Term Loan upto Rs.5 lakh	10.75%
b)Term Loan above Rs.5 lakh but upto Rs.10 lakh	10.75%
c)Term Loan above Rs.10 lakh but upto Rs.20 lakh	10.75%
d) Term Loan above Rs.20 lakh but upto Rs.25 lakh	11.50%

(g ) TRACTOR LOANS:

	Rate of interest
a)UptoRs.5.00 lakh	11.00%
b)AboveRs.5.00 lakh but up to Rs.20.00 lakhs	11.00%
c)Over Rs.20lakhs	11.50%

(h) SCHEME FOR PRODUCTION CREDIT TO POTATO SEED GROWERS:

	ROI w.e.f. 03.05.2025
(a)UptoRs.3.00lakh	7.00%
(b)AboveRs.3.00 lakhs and upto Rs 20.00 lakhs	11.00%
(c)Above Rs. 20.00 lakh	11.75%

(i) PGB SWARNIM – Agri Gold Loan Scheme

Name of Scheme	Rate of interest
Agri Gold Loan Scheme	9.50%

2. FINANCING UNDER CAPITAL INVESTMENT SUBSIDY SCHEME FOR CONSTRUCTION RENOVATION / EXPANSION OF RURAL GODOWNS

	Rate of interest
Loan upto Rs. 20 Lakh	10.50%
Above Rs. 20 Lakh	11.50%

ADVANCES TO FOOD AND AGRO-BASED PROCESSING UNITS / ADVANCES COVERED UNDER PM FORMALIZATION OF MICRO FOOD PROCESSING ENTERPRISES SCHEME (PM FME SCHEME) / FINANCING FACILITY UNDER AGRICULTURE INFRASTRUCTURE FUND PROVIDED THE ADVANCES ARE COVERED UNDER PRIORITY SECTOR – AGRICULTURE IN TERMS OF EXTANT GUIDELINES OF THE BANK/RBI

a) .Financing Facility under Agriculture Infrastructure Fund

Scheme Code: TLAIF	ROI w.e.f. 03.05.2025
Irrespective of Loan Amount	9.00%

(a) Advance under Food and Agro-Based Processing Units / Advances Covered under PMFME Scheme

(i)Advance upto Rs. 20.00 lakh under Food and Agro-Based Schemes

	ROI w.e.f. 03.05.2025
	Working Capital	Term Loan
Loan upto Rs. 20.00 lakh	10.25%	9.75%

(ii) Advance above Rs. 20.00 lakh: For advances with sanctioned limit above Rs. 20.00 lakh rates of interest will be applicable on the basis Internal Risk rating linked with Score Model as under:

Internal Risk Rating	PGB Farm Score	Rating Significance	Risk Profile
A1	>80	Minimum Risk
A2	>70 to <=80	Marginal Risk	Low Risk
A3	>64 to <=70	Modest Risk
A4	>58 to <=64	Lower Risk
B1	>50 to <=58	Average Risk	Average Risk
B2	>46 to <=50	Marginally Acceptable Risk	Average Risk
B3	>40 to <=46	Cautiously Acceptable Risk	Borderline Risk
C1	>35 to <=40	High Risk	High Risk
C2	>25 to <=35	Very High Risk
C3	<=25	Exceptionally High Risk

PGB Farm Score	ROI w.e.f. 03-05.2025
PGB Farm Score	TL	CC
>80	8.95%	9.20%
>70≤80	9.00%	9.25%
>64≤70	9.50%	9.75%
>58≤64	10.00%	10.25%
>50≤58	10.50%	10.75%
>46 to <=50	12.25%	12.50%
>40 to <=46	13.50%	13.75%

4 ADVANCES UNDER SELF HELP GROUP SCHEME (SHG)

a). Interest Rate for financing women SHGs under NRLM:

	Rate of interest
	Working Capital	Term Loan
Upto Rs. 3.00 lakh	7.00%	7.00%
Above Rs. 3.00 lakh upto Rs. 5.00 Lakh	10.00%	10.00%
Above Rs. 5.00 lakh	12.50%	12.50%

Note: Interest is 7% p.a. in the standard loan accounts of Women SHGs on running balance outstanding upto Rs. 3 lakh. The above guidelines are linked to subvention as per GOI / RBI guidelines.

b). Interest Rate for financing non-women SHGs:

	ROI w.e.f. 03.05.2025
	Working Capital	Term Loan
Upto Rs. 20.00 lakh	11.40%	11.40%
Above Rs. 20.00 lakh	12.50%	12.50%

3. RATE OF INTEREST ON ADVANCE UNDER MSME SCHEMES w.e.f 06.12.2025

PGB MSME PLUS

Collateral Coverage (% of loan amount)	PGB SME Score	ROI = RLLR (Repo Rate + Mark up + BSP) ± Spread (Presently RLLR = 7.75%)
Less than 75% of loan amount	>70	RLLR + 0.75 i.e. 8.50%
	>60≤70	RLLR + 1.25 i.e. 9.00%
	>50≤60	RLLR + 1.75 i.e. 9.50%
	>40≤50	RLLR + 2.25 i.e. 10.00%
	<40	RLLR + 3.25 i.e. 11.00%
75% & above but less than 100% of loan amount	>70	RLLR + 0.25 i.e. 8.00%
	>60≤70	RLLR + 0.75 i.e. 8.50%
	>50≤60	RLLR + 1.25 i.e. 9.00%
	>40≤50	RLLR + 1.75 i.e. 9.50%
	<40	RLLR + 2.75 i.e. 10.50%
100% & above of loan amount	>70	RLLR ± 0.00 i.e. 7.75%
	>60≤70	RLLR + 0.50 i.e. 8.25%
	>50≤60	RLLR + 1.00 i.e. 8.75%
	>40≤50	RLLR + 1.50 i.e. 09.25%
	<40	RLLR + 2.50 i.e. 10.25%

PGB TRADE MASTER

Collateral Coverage (% of Total Exposure)	PGB SME Score	ROI=RLLR(RepoRate+Mark up + BSP) ± Spread
Collateral Coverage (% of Total Exposure)	PGB SME Score	ROI=RLLR(RepoRate+Mark up + BSP) ± Spread	Below 100% of loan amount	>60	RLLR + 0.25 i.e. 8.00%
>50≤60	RLLR + 1.00 i.e. 8.75%
>40≤50	RLLR + 2.00 i.e. 9.75%
	<40	RLLR + 3.00 i.e. 10.75%
100% & Above of loan amount	>60	RLLR ± 0.00 i.e. 7.75%
	>50≤60	RLLR + 0.75 i.e. 8.50%
	>40≤50	RLLR + 1.50 i.e. 09.25%
	<40	RLLR + 2.00 i.e.9.75%

PGB GST SUPERFAST SCHEME

Collateral Coverage (%of loan amount) (SARFAESI compliant Immovable property or Bank approved liquid Security)	PGB SME Score	ROI = RLLR (RepoRate+ Mark up + BSP) ± Spread
Less than 75% of loan amount	>70	RLLR + 0.75 i.e. 8.50%
	>60≤70	RLLR + 1. 25 i.e. 9.00%
	>50≤60	RLLR + 1.75 i.e. 9.50%
	>40≤50	RLLR + 2.25 i.e. 10.00%
	<40	RLLR + 3.25 i.e. 11.00%
75% &above but less than 100% of loan amount	>70	RLLR + 0.25 i.e. 8.00%
	>60≤70	RLLR + 0.75 i.e. 8.50%
	>50≤60	RLLR + 1. 25 i.e. 9.00%
	>40≤50	RLLR + 1.75 i.e. 9.50%
	<40	RLLR + 2.75 i.e. 10.50%
100% & above of loan amount	>70	RLLR ± 0.00 i.e. 7.75%
100% & above of loan amount	>60≤70	RLLR + 0.50 i.e. 8.25%
	>50≤60	RLLR + 1.00 i.e. 8.75%
	>40≤50	RLLR + 1.50 i.e. 9.25%
	<40	RLLR + 2.50 i.e. 10.25%

PGB TRANSPORT SCHEME(above 10 lakhs)

Collateral Coverage (% of Total Exposure)	PGB SME
	Score	ROI = RLLR (Repo Rate
		+ Mark up + BSP) ± Spread
Below 100% of loan amount	>60	RLLR + 0.75 i.e. 8.50%
	>50≤60	RLLR + 1.50 i.e. 9.25%
	>40≤50	RLLR + 2.50 i.e. 10.25%
	<40	RLLR + 3.50 i.e. 11.25%
100% & Above of loan amount	>60	RLLR + 0.50 i.e. 8.05%
	>50≤60	RLLR + 1.25 i.e. 9.00%
	>40≤50	RLLR + 2.00 i.e. 09.75%
	<40	RLLR + 2.50 i.e. 10.25%

PGB CONSTRUCTION EQUIPMENT SCHEME

Collateral Coverage (% of Total Exposure)	PGB SME Score	Rate of Interest (RLLR ± Spread)
Below 100% of loan amount	>60	RLLR + 0.25 i.e. 8.00%
	>50≤60	RLLR + 1.00 i.e. 8.75%
	>40≤50	RLLR + 2.00 i.e.9.75%
100% & Above of loan amount	>60	RLLR + 0.00 i.e. 7.75%
	>50≤60	RLLR + 0.75 i.e. 8.50%
	>40≤50	RLLR + 1.50 i.e. 9.25%

MSME ADVANCES: Other than MSME Plus, PGB GST SUPERFAST LOAN, PGB TRADE MASTER, PGB CONSTRUCTION EQUIPMENT and PGB TRANSPORT SCHEME.

Loan to MSME Advances up to Rs. 20.00 Lakh (Other than PGB SANJEEVANI SCEME).

	ROI = RLLR (Repo Rate + Mark up + BSP) ± Spread
	Working Capital	Term Loan
Advances up to Rs. 50,000/-	RLLR +2.00 i.e.	RLLR +2.00 i.e.
Advances up to Rs. 50,000/-	9.75%	9.75%
Advances above Rs. 50,000/- & upto Rs. 2 lakh	RLLR + 2.00 i.e.	RLLR + 2.00 i.e.
Advances above Rs. 50,000/- & upto Rs. 2 lakh	9.75%	9.75%
Advances above Rs. 2 lakh & up to Rs. 10 lakh	RLLR + 2.00 i.e.	RLLR + 2.00 i.e.
Advances above Rs. 2 lakh & up to Rs. 10 lakh	9.75%	9.75%
Advances above Rs. 10 lakh & up to Rs. 20 lakh	RLLR + 1.40 i.e.	RLLR + 1.40 i.e.
Advances above Rs. 10 lakh & up to Rs. 20 lakh	9.15%	9.15%

PGB SANJEEVANI SCHEME: Loans to Doctor/ Medical Practitioners (up to Rs.20.00 Lakh)

ROI = RLLR (Repo Rate + Mark up + BSP) ± Spread

Repayable in 3 years	RLLR +1.25 i.e. 9.00%
Repayable in more than 3 years	RLLR + 1.40 i.e. 9.15%

Loans to Doctor/ Medical Practitioners (PGB Sanjeevani) and MSME (Above Rs. 20.00 Lakh) Other than MSME PLUS, PGB GST SUPERFAST LOAN, PGB TRADE MASTER, PGB TRANSPORT SCHEME, PGB CONSTRUCTION EQUIPMENT

PGB Score SME	ROI = RLLR (Repo Rate + Mark up + BSP) ± Spread
PGB Score SME	Term Loan	Cash Credit
>80	RLLR + 0.95 i.e. 8.70%	RLLR + 0.95 i.e. 8.70%
>70≤80	RLLR + 1.00 i.e. 8.75%	RLLR + 1.00 i.e. 8.75%
>64≤70	RLLR + 1.40 i.e. 9.15%	RLLR + 1.40 i.e. 9.15%
>58≤64	RLLR + 1.85 i.e. 9.60%	RLLR + 1.85 i.e. 9.60%
>50≤58	RLLR + 2.35 i.e. 10.10%	RLLR + 2.35 i.e. 10.10%
>46 to <=50	RLLR + 4.20 i.e. 11.95%	RLLR + 4.20 i.e. 11.95%
>40 to <=46	RLLR + 5.40 i.e. 13.15%	RLLR + 5.40 i.e. 13.15%

SCHEME FOR FINANCING AGAINST PLEDGE OF ELECTRONIC NEGOTIABLE WAREHOUSE RECEIPTS (E-GODAM SCHEME)

ROI = RLLR (Repo Rate + Mark up + BSP) ± Spread

8.00%