Diversified Loan Schemes
S. No. Name of Scheme  Maximum Loan Amount Interest Rate From 01.04.2020
(Time to Time Variable)
01. Salary Earner Society Credit Limit  Employee’s 15 Month Salary or 12.00 Lakh  whichever is less.  09.80% Annual
02.  Pt. Deen Dayal Upadhyay Cooperative Self Employment Scheme  75% of project cost. Maximum 2.00 Lakh. *11.50% Annual upto 50,000
*12.50% Annual for above    
Rs. 50,000 and upto 2.00 Lakh.
03. Home Loan (Urban)  Maximum Rs. 30.00 Lakh for the purchase/construction of building.  *09.00% Annual 
04. Home Loan (Rural)  Maximum Rs. 10.00 Lakh for the purchase/construction of building.  *09.00% Annual 
05. Saral Personnal Loan Scheme  Upto 15 Month Salary of Loan Applicant or ` Rs. 10.00 Lakh whichever is less.  12.50% Annual
06. Loan against National Saving Certificate (NSC) /Kisan Vikas Patra (KVP)  60% to 75% of face value of NSC/KVP  11.00% Annual
07. Limit for Traders  Maximum limit Rs. 10.00 Lakh 11.00% Annual
08. Krishi Yantrikikaran (Tractor, Tiller etc.)  85% of the price of Agricultural equipment to be purchased. 09.00% Annual
09. Self Help Group Scheme  1 to 4 times of saving of group  *11.50% Annual upto Rs.    50,000
*12.00% Annual for    above     Rs. 50,000 by the bank    to     SHG.
10. Swarojgar Credit Card Scheme  Maximum Rs. 25,000  11.00% Annual
11. Personal Vehicle Loan  80% of the price of vehicle to be purchased. Maximum ` Rs. 20.00 Lakh. 09.00% Annual
12. Vehicle Loan (Two Wheeler)  80% of the price of vehicle to be purchased. Maximum Rs. 2.00 Lakh.  12.00% Annual
13. Vehicle Loan (Under S.R.T.O. Scheme)  85% of the price of vehicle to be purchased. Maximum Rs. 6.00 Lakh.  12.50% Annual
14. Loan Scheme for Flour Mill, Mini Rice Mill and Oil Expeller.  Maximum Rs. 2.40 Lakh as per projects  11.00% Annual
15. Loan for Cyber Café  Maximum Rs. 1.80 Lakh as per projects  11.00% Annual
16. Gyandeep Education Loan  Upto 75% of Fees (Depending upon paying capacity of parents)  11.00% Annual
17. Loan Against Property  Up to Rs. 30.00 Lakh  12.00% Annual