Loan Interest Rates

Sr.NoType of LoanSegmentSlabRate of Interest (%age P.A.)
1Personal Loan to Govt. emp, Individual etc10.99
2Personal Loan to Govt. empEmp of Board Corp Govt Individual etc 10.99%
3Loan Against SalaryAll categoris of eligible borrowers9.75%
4Loan Against Salary10.00
5Two Wheeler LoanAll categoris of eligible borrowers except staff 9.75 & for staff 7.4%
6KCC Term LoansIndividuals 9%
7Crop Loan/ST Agri./ Kisan Credit CardCooperative Societies & Individuals.Up to Rs. 300000 & above 7 % up to 3 lakh for individual & 5.5% for Societies , 9 % above 3 lakh for individual & 5.5% for Societies
8M.T. AgricultureAll borrowers9
9FloricultureAll borrowers9%
10Irrigation LoanCoop. Soc. Union federations. / Others inclusive Ind. association Boards Corp. etc.9
11Tractor LoanSocieties Union federations / Others inclusive Ind. Association Boards Corp. etc. / Commercial9.00
12Agri. clinic/Agri. Business Centre/ Custom Hiring-Cum Service Centre.All borrowersUp to Rs. 2 Lacs / above Rs. 2 Lacs9.00
13Direct Limit to Horticulturists*Up to Rs. 50000 / Above Rs. 500009.00
14Sponsored cases under Schemes of NB/GOI/NHB etc. (Incl. Rural Go down Loan Scheme)All categories of eligible borrowers9%
15M.T. Non-AgricultureT/C Coop. Societies & individuals9%
16House LoanAll categories except staff 8.9
17Personal loanEmp. of Board Corp. Govt. etc. Others/individuals11.00
18Vehicle LoanAll categories of borrowers for personal vehicle 8.00
19Vehicle Loan for old carGovt. Emp.No slab10
20Hotel/ Motel loanAll categories of borrowersNo slab10.00
21Self-Employment/ K & VIB/SGYS/SJSRY Rural Housing/ SC/ ST Dev. Corp. & Women Dev. Corp /SAMFEX (Non-Farm)/DICAll categories of eligible borrowers.12.00
22Term Loan/ CC Limit/ Working Capital Limits to Board & Corps.Board & corporation etc.As negotiated by HO on case to case basis
23SHG/JLG9
24L.A.B.O.D.Upto Rs. 50 Lacs .25 percent higher than rate allowed on TD.
25Loan against NSC/ KVP / LIC PolicyAll categories of borrowers including banks own staff10.50%
26Cash Credit (Hypothecation Limit) and Working Capital limits to tradersCoop. Soc Union Federations / IndividualsUpto Rs. 5 Lacs Above Rs. 5 Lacs9.75 up to 5lakh, above 9.75
27Cash Credit (Pledge) LimitCoop. Soc Union Federations Individuals & othersUpto Rs. 10 Lacs & Above Rs. 10 Lacs9.75%
28Swarojgar Credit Card9.25
29ICDP LoanAs per sanction letter.
30Bank StaffHBA , Vehicle loan/Personal loan ,Vehicle loan old car , Education Loan , CC Limit Staff on rolls & Retire staff 7.40% or all, Eduction loan 7.99, ccl 7%( monthly compounded) , Retired staff at PAR.
31Loan against PropertyAll categories of eligible borrowers.10.99%
32NRLM/ NULMAll categories of eligible borrowers.7% upto Rs. 3 lakh, 10% Upto 5 Lakh and 10.5% for >5 Lakh
33All Loans except JCCB/Staff LoanRs 100/- per annum to be charged for security checking.Rs 100/- per annum to be charged for security checking.Rs 100- per annum to be charged for security checking.
34Education LoanAll categoris of eligible borrowers8.75%
35Cash Credit Limit to ContractorsAll Categories of Govt. Contractors12
36Cash Credit Limit Against Immovable PropertyAll categories of eligible borrowers.12
37Special Personal Loan/Scheme for Truck Operators.Truck Operators registered with societies/unions &whose freight accounts are maintained with the Bank.12.5
38OD HBAExisting and new customer of the Bank who have availed House LoanHouse Loan Rate +1percent
39Loan Against SalaryGovt. Employees who are drawing salary through the Bank Branches of JCCB.
40Two Wheeler LoanAll Categories of borrower except Bank Staff / Bank Staff
41Digital Shiksha Upkarn YojnaAll categoris of eligible borrowers9%
42Cash Credit Limit to Contractors All Categories of Govt. Contractors
43Cash Credit LimitAll categories of eligible borrowers.
44General Credit Card Scheme(GCC)
45Loan to Self Help Group
46Mukhya Mantri Swavlamban Yojna
47National Rural Livelihood Mission(NRLM) Aajeevika
48Overdraft Policy
49Personal Loan Scheme for Pensioners
50Policy for takeover of Debt of other Banks
51Scheme for Re-Schedulement /restructuring of loans and advances
52Transport Loan Scheme
53Self Employment Loan Scheme/K&VIB/ SGYS/ SC/ST DEV/ MMSY/SJSRY etc All categories of elibible borrowerAbove 5 lakhs11% all categories
54Vehicle Loan commerical purpose9.5%
55LABODAll other except staff Above RS 50 LAKHS cash Credit Limts & against 3rd Party secirity 0.50% higher on interset allowed on TD
56LABODCoop Soc/ Coop Instituation .25% higher than rate allowed on TD
57Cash credit( Hypothecation Limit) and working Captal Limits to traders Individuals 9.75%
58Cash Credit PDS/ Fertilizers and CC Marketing/ CC Weavers/ CC cLAEN Coop Soc, Union Federations, Individuals & others9.75%
59DEDS11%
60Working Capital Loan for Hospitality industry All categories of elibible borrowers11%
61Working capital Loan for private Bus operatorAll categories of eligible borrowers10%
62Gold Loan All categoris of eligible borrowersTerm loan 9, Over draft 9, Bullet Gold Loan 95
63Street Vendor Atam Nirbhar Rin YojnaAll categories of elibible borrowers10%
64Working capital Limits to transportersAll categoris of eligible borrowers10.75%
65Loan to pensioners All categoris of eligible borrowers10.75%
66PACS as MSCPACS4%