Rate of Interest (ROI) – Subject to change from time to time

Sr No.	Type of Deposit	Period	Revised Interest %
			For General	For Senior Citizens / Reg.
1	Saving Deposit	-	2.70	2.70
2	Current Deposit	-	Nil	Nil
3	Fixed Deposit/ Monthly Interest Scheme (MIP)	15 Days to 45 Days	3.00	3.50
	-	46 Days to 90 Days	4.50	5.00
	-	91 Days to 180 Days	5.00	5.25
	-	181 Days to 12 Months	5.50	6.00
	-	Only for 15 Months (Simple Interest)	7.50	7.75
	-	12 Months to up to 36 Months (Quarterly Interest)	7.00	7.25
4	Reinvestment Deposit	36 Months to up to 60 Months	6.75	7.00
5	Recurring Deposit	Only for 12 Months	6.75	7.00
		Only for 24 Months	7.00	7.15
	-	Only for 36 Months	6.75	7.00
	-	Only for 60 Months	6.50	6.75
6	Subhmangal Deposit	up to 120 Months	6.25	-

(Bulk Deposit) Rs.15.00 lakh & above interest rate @7.50 % for 15 Months Simple Interest.All above Deposit Interest rate w.e.f. 02.05.2025

A) For Term Loan (New Scheme)

Sr.No.	Loan Amount	Rate of Interest
i)	Maharashtra State OBC Finance & Development Corporation	12.00%
ii)	Annasaheb Patil Arthik Vikas Mahamandal	12.00%

Note:- Only for Business Purpose (Housing loan, CC/OD account are Excluded)

B) For Cash Credit (including renewal) and Business Term Loans

Sr.No.	Loan Amount	Rate of Interest
i)	up to Rs.5.00 lakh	10.50%
ii)	Above Rs.10.00 lakh	11.00%
iii)	Above Rs.10.00 lakh and Upto Rs.20.00 lakh	11.75%
iv)	Above Rs.20.00 lakh to Rs.30.00 lakh	12.00%
v)	Above Rs. 30.00 lakh	12.25%

Note:- The Extension of time limit for Renewal of CC/OD account will be charged @ 2.00% more than regular Rate of Interest.

C) For Machinery Loan against collateral security immovable property for existing customer

Sr.No.	Loan Amount	Rate of Interest
i)	up to Rs.10.00 lakh	10.50%
ii)	Above Rs.10.00 lakh and Upto Rs.25.00 lakh	11.25%
iii)	Above Rs.25.00 lakh	12.00%

D) For Overdraft facility (including renewal)& new Mortgage Loan against Commercial or Residential Property (Commercial loans includes mortgage loan, term loan, and commercial bldg. loan against commercial property.)

Sr.No.	Loan Amount	Rate of Interest
i)	Upto Rs.5.00 lakh	9.50%
ii)	Above Rs.5.00 lakh Upto Rs.10.00 lakh	10.00 %
iii)	Above Rs.10.00 lakh and Upto Rs.25.00 lakh	10.50 %
iv)	Above Rs.25.00 lakh to Rs.40.00 lakh	11.00 %
v)	Above Rs.40.00 lakh	11.50 %

Note:- For Adhoc limit or Temporarily OD facility the Rate of Interest will be 2.00% more than regular rate. Concession in rate of Interest will be given considering status of A/c & relation with Bank.

A) For Housing Loans : on the basis of CIBIL score

Sr.No.	Loan Amount	More then 750	Below 750
		Rate of Interest
i)	Upto Rs.10.00 lakh	8.00 %	8.25%
ii)	Above Rs.20.00 lakh and Upto Rs.40.00 lakh.	8.50%	8.75%
iii)	Above Rs.40.00 lakh and Upto Rs.60.00 lakh	9.00%	9.25%
iv)	Above Rs.60.00 lakh to Rs.70.00 lakh	9.10%	9.35%
iv)	Above Rs.70.00 lakh	9.25%	9.50%

F) For vehicle loans

Sr.No. Loan Amount Rate of Interest for Personal Use Rate of Interest For Commercial Use

i) Less than 25% 9.50% 11.50%

ii) 25% to 39% margin 9.00% 11.00%

iii) 40% to 50% margin 8.50% 10.50%

iv) Above 50% margin 8.00% 10.00%

Note :- Old Car @0.25 % extra

Sr.No.	Loan Amount	Rate of Interest for Personal Use	Rate of Interest For Commercial Use
i)	Less than 25%	9.50%	11.50%
ii)	25% to 39% margin	9.00%	11.00%
iii)	40% to 50% margin	8.50%	10.50%
iv)	Above 50% margin	8.00%	10.00%

G) For Term Loan / OD against FD - 2% above FD interest rate.

(Concession subject to existing customer with good track record and banking relation and approved by CAO)

Sr.No. Loan Amount Rate of Interest

H) For Professional Loan up to Rs.5.00 lacs (OD/TL) 10.25%

I) Loan against Renovation of Property (Upto 10 Lakh ) 10.50 %

J) For N.S.C./Loan against LIC policies 9.00 %

K) For Secured Personal Loan (u/s 49 of MSC Act 1960) 12.50 %

L) For Education Loans

Sr.No. Loan Amount Rate of Interest

i) For Girls 9.00%

ii) For Boys 9.25%

M) For Gold Loans

Sr.No. Loan Amount Rate of Interest

i) Loan amount upto Rs.2.00 lakh (Woman) 9.25%

ii) Loan amount upto Rs.2.00 lakh (Man) 9.50%

iii) Loan Amount Above Rs.2.00 lakh 10.00%

Note: - Gold Coins should not be accepted.

Rate of Interest on all other categories will remain the same as per our earlier orders.

Note: - For Takeover loan from Private Financial Institution or Pathpedhi will be charged the rate of interest 1.50% more of existing slab interest rate.

Rate of Interest (ROI) – Subject to change from time to time

A) For Term Loan (New Scheme)

B) For Cash Credit (including renewal) and Business Term Loans

C) For Machinery Loan against collateral security immovable property for existing customer

D) For Overdraft facility (including renewal)& new Mortgage Loan against Commercial or Residential Property (Commercial loans includes mortgage loan, term loan, and commercial bldg. loan against commercial property.)

A) For Housing Loans : on the basis of CIBIL score

F) For vehicle loans

G) For Term Loan / OD against FD - 2% above FD interest rate.

L) For Education Loans

M) For Gold Loans

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Sr.No.	Loan Amount	Rate of Interest
H)	For Professional Loan up to Rs.5.00 lacs (OD/TL)	10.25%
I)	Loan against Renovation of Property (Upto 10 Lakh )	10.50 %
J)	For N.S.C./Loan against LIC policies	9.00 %
K)	For Secured Personal Loan (u/s 49 of MSC Act 1960)	12.50 %

Sr.No.	Loan Amount	Rate of Interest
i)	Loan amount upto Rs.2.00 lakh (Woman)	9.25%
ii)	Loan amount upto Rs.2.00 lakh (Man)	9.50%
iii)	Loan Amount Above Rs.2.00 lakh	10.00%