| S No. |
Loan Scheme |
PACS Level |
Interest Rate |
Revised Rates from 01-04-2011 |
Revised Rates from 06-09-2011 |
Revised Rates from 23-08-2013 |
| 1 |
S.T.Agri.upto Rs 3.00 lacs |
7 |
4.5 |
5 |
5 |
5 |
| |
Above Rs 3.00 lacs |
|
|
|
|
9
wef 30-07-16 |
| 2 |
Cash Credit Fertilizer |
-- |
10 |
10 |
10 |
10 |
| 3 |
Cash Credit (Essential Commodities) |
-- |
10 |
10 |
10 |
10 |
| 4 |
Short Term Consumption loan |
|
|
|
|
|
| i) |
Non -Agriculturist members of PACS |
10.75%
(Penal 11.75%) |
9.25
(Penal 10.25%) |
8.5
(Penal 09.50%) |
8.5
(Penal 09.50%) |
8.5
(Penal 09.50%) |
| ii) |
Agriculturist members of PACS |
11.75 penal 13.25% |
10.75
Penal 11.75% |
10.00
(Penal 11.00%) |
10.00
(Penal 11.00%) |
10.00
(Penal 11.00%) |
| 5 |
M.T.Agri.Loans |
12.75% |
10.75 |
9.5 |
9.5 |
9.5 |
| 6 |
Mai Bhago Scheme (Fixed by RCS, Pb.letter No.15194 dted 03-10-08) |
10.75% |
9.25 |
9.25 |
9.25 |
9.25 |
| 1(a) |
Revolving Cash Credit Limit (NABARD) |
|
11 |
11 |
11 |
11 |
| (b) |
Revolving Cash Credit Limit (Own Resources) |
|
11 |
11 |
11 |
11 |
| 2 |
NFS |
|
|
|
|
|
| i) |
Upto Rs,50000/- |
|
13.25 |
11.5 |
11.5 |
11.5 |
| ii) |
Above Rs,50000/- |
|
13.75 |
12 |
12 |
12 |
| 3 |
Urban Housing |
|
11.5 |
10 |
10 |
8.99
wef 24-10-19 |
| 4 |
Rural Housing |
|
11 |
10 |
10 |
8.99
wef 24-10-19 |
| 5 |
Cold Storage/Rural Godown |
|
13.75 |
12 |
12 |
12 |
| 6 |
SGH/SGSY |
|
|
|
|
|
| i) |
Upto Rs.50000/- |
|
10 |
9.5 |
9.5 |
9.5 |
| ii) |
Above Rs.50000/- |
|
10.5 |
10 |
10 |
10 |
| 7 |
Vehicle loan |
|
|
|
|
|
| i) |
Upto Rs.5.00 lacs |
|
11 |
11.5 |
11.5 |
8.95
wef 24-10-19 |
| ii) |
Above Rs.5.00 lacs to Rs.10.00 lacs |
|
|
11.5 |
11.5 |
8.95
wef 24-10-19 |
| iii) |
Above Rs.10.00 lacs to Rs.15.00 lacs |
|
11 |
11.5 |
11.5 |
8.95
wef 24-10-19 |
| 8 |
Second hand Car loan |
|
12 |
13 |
13 |
13 |
| 9 |
CC Limit to Traders |
|
13 |
13 |
14 |
14 |
| 10 |
Two Wheeler loan |
|
11 |
11.5 |
11.5 |
11.5 |
| 11 |
Loan for purchase of Consumer Durable (CD Loan) |
|
14 |
|
|
|
| 12 |
Personal Loan |
|
14 |
|
|
|
| 13 |
Loan to Students (Education loan) |
|
9 |
9 |
9 |
11 |
| 14 |
Coop.Education loan to the Children of poor farmers. Dalits, SC/BC & Other poor sections |
|
7.25 |
7.25 |
7.25 |
7.25 |
| 15 |
Loan against NSC/KVP |
|
10 |
10 |
10 |
10 |
| 16 |
OD Limit SB A/c (Staff) |
|
10 |
10 |
10 |
10 |
| 17 |
CC Limit- Sugar consortium |
|
12 |
11.5 |
11.5 |
11.5 |
| 18 |
Loan to Mills for cane payment |
|
12 (From Mills) |
11.5 |
11.5 |
11.5 |
| 19 |
Cane seed loan to individual members of mills |
|
12 |
11.5 |
11.5 |
11.5 |
| 20 |
Loan & CCLimit to L& C Socs. |
|
14 |
13 |
13 |
13 |
| 21 |
Loan & CC Limit to Industrial Socs. & Weavers Socs |
|
14 |
13 |
13 |
13 |
| 22 |
Loan/limit to other Non Credit Societies (Other than L& C,Industrial Societies and Weavers socs |
|
14 |
13 |
13 |
13 |
| 23 |
Loan to members of Milk Producers Socs. |
|
11 |
10.5 |
10.5 |
10.25 |
| 24 |
Diary loan to farmers /Mini Dairy loan scheme |
|
11 |
10.5 |
10.5 |
10.25 |
| 25 |
Commercial Diary loan |
|
10 |
10 |
10 |
10.25 |
| 26 |
Loan for purchase of cow |
|
10.5 |
10.5 |
10.5 |
10.25 |
| 27 |
Loan to landlords of buildings for construction of Branch Offices |
|
14 |
13 |
13 |
13 |
| 28 |
Loan against property |
|
14 |
14 |
14 |
14 |
| 29 |
Loan scheme for Earnest Money |
|
|
|
|
|
| 30 |
Loan against Rental income scheme |
|
13 |
14 |
14 |
14 |
| 31 |
Punjab Farmer Commission's Scheme |
|
|
|
|
|
| i) |
Setting up of Net House |
|
|
12 |
12 |
12 |
| ii) |
Setting up to Agri. Service Centre |
|
|
12 |
12 |
9.50 |
| 32 |
H.B.Loan to Staff Upto Rs.1.50 lacs |
|
8 |
8 |
8 |
8 |
| 33 |
H.B.Loan to Staff Upto Rs.1.50 lacs to Rs.5.00 lac |
|
10 |
10 |
10 |
10 |
| 34 |
H.B.Loan to Staff above Rs.5.00 lac |
|
11 |
11 |
11 |
11 |
| 35 |
H.B.Loan to specified persons |
|
12.5 |
12.5 |
12.5 |
8.99
wef 24-10-19 |
| 36 |
E-Rikshaw |
|
|
|
|
10.5
half yearly |
| 37 |
Sehkari Green Energy upto 5 KW |
|
|
|
|
12
half yearly |
| 38 |
Repair and Renovation of rural Houses |
|
|
|
|
10.5
half yearly |
| 39 |
JLG |
|
|
|
|
16
wef 24-10-19 |
| 40 |
Cooperative Liquidity Facility of DCCB's |
|
|
|
|
7.75
half yearly |
| 41 |
Liquidity Support Scheme of MPCS/PACS |
|
|
|
|
7.75
half yearly |
| 42 |
Medium Term Loans to farmers |
|
|
|
|
7.75
half yearly |
