Slideshow Image 1 Slideshow Image 2 Slideshow Image 3 Slideshow Image 4 Slideshow Image 5

Financial Inclusion

FI Savings Products

FI Credit Products

HCCB FI Plan 2016

HCCB FI Achievments

FI Projects Undertaken

Financial Literacy Centres

HCCB Mobile Van

Financial Literacy Workshops

Accounts & Deposits

    Financial Literacy Workshops

Loans

Investments & Insurance

Customer Service

Public Notices

Rate of Interest
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
  • 14 (1.9.11)
  • 15 (6.9.11)
  • 12
    wef 24-10-19
12 Personal Loan   14
  • 14 (1.9.11)
  • 15 (1.9.11)
  • 12
    wef 24-10-19
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