Loan Interest Rates

Sr.NoType of LoanSegmentSlabRate of Interest (%age P.A.)
1Personal Loan to Govt. empApplicant should be permanent Govt. employee and have completed atleast 3 years of regular.
2Loan Against Salary9.95
3Crop Loan/ST Agri./ Kisan Credit CardCooperative Societies & Individuals.Up to Rs. 3000007
4M.T. AgricultureAll borrowers9
5FloricultureAll borrowers10.50
6Irrigation LoanCoop. Soc. Union federations. / Others inclusive Ind. association Boards Corp. etc.9
7Tractor LoanSocieties Union federations / Others inclusive Ind. Association Boards Corp. etc. / Commercial8.50
8Agri. clinic/Agri. Business Centre/ Custom Hiring-Cum Service Centre.All borrowersUp to Rs. 2 Lacs / above Rs. 2 Lacs8.50
9Direct Limit to Horticulturists*Up to Rs. 50000 / Above Rs. 500008.50
10Sponsored cases under Schemes of NB/GOI/NHB etc. (Incl. Rural Go down Loan Scheme)All categories of eligible borrowers10
11M.T. Non-AgricultureT/C Coop. Societies & individuals10
12House LoanAll categories7.95
13Personal loanEmp. of Board Corp. Govt. etc. Others/individuals10.90
14Vehicle LoanAll categories of borrowers for personal vehicle Commercial purpose7.75
15Vehicle Loan for old carGovt. Emp.No slab10
16Hotel/ Motel loanAll categories of borrowersNo slab9.95
17Self-Employment/ K & VIB/SGYS/SJSRY Rural Housing/ SC/ ST Dev. Corp. & Women Dev. Corp /SAMFEX (Non-Farm)/DICAll categories of eligible borrowers.11.50
18Term Loan/ CC Limit/ Working Capital Limits to Board & Corps.Board & corporation etc.As negotiated by HO on case to case basis
19SHG/JLG9
20L.A.B.O.D.Upto Rs. 50 Lacs / Above Rs. 50 lacs. / Cash Credit Limits & against 3rd party security..50 percent higher on interest allowed on TD. .50 Percent higher on interest allowed on TD. .50 percent higher on interest allowed on TD. 1.50percent higher on interest allowed on TD.
21Loan against NSC/ KVP / LIC PolicyAll categories of borrowers including banks own staff11
22Cash Credit (Hypothecation Limit) and Working Capital limits to tradersCoop. Soc Union Federations / IndividualsUpto Rs. 5 Lacs Above Rs. 5 Lacs9.95
23Cash Credit (Pledge) LimitCoop. Soc Union Federations Individuals & othersUpto Rs. 10 Lacs / Above Rs. 10 Lacs9.95
24Swarojgar Credit Card9
25ICDP LoanAs per sanction letter.
26Bank StaffHBA Vehicle loan/Personal loan Vehicle loan old car CC limit LABOD Retired StaffStaff on rolls , Retired Staff7.75 (Monthly Compounded) 0.25percent higher than the interest allowed on TD 0.25 percent higher than the interest allowed on TD.
27Loan against PropertyAll categories of eligible borrowers.10.50
28NRLMAll categories of eligible borrowers.10.50
29All 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.
30Education LoanIndividual / Bank Staff10.50 8.50
31Cash Credit Limit to ContractorsAll Categories of Govt. Contractors12
32Cash Credit Limit Against Immovable PropertyAll categories of eligible borrowers.12
33Special Personal Loan/Scheme for Truck Operators.Truck Operators registered with societies/unions &whose freight accounts are maintained with the Bank.12.5
34OD HBAExisting and new customer of the Bank who have availed House LoanHouse Loan Rate +1percent
35Loan Against SalaryGovt. Employees who are drawing salary through the Bank Branches of JCCB.
36Two Wheeler LoanAll Categories of borrower except Bank Staff / Bank Staff
37Digital Shiksha Upkarn Yojna8.5% Student up to the age of 28 years.In case minor loan in name of parents ,Maximum limit 75,000/-
38Cash Credit Limit to Contractors All Categories of Govt. Contractors
39Cash Credit LimitAll categories of eligible borrowers.
40General Credit Card Scheme(GCC)
41Loan to Self Help Group
42Mukhya Mantri Swavlamban Yojna
43National Rural Livelihood Mission(NRLM) Aajeevika
44Overdraft Policy
45Personal Loan Scheme for Pensioners
46Policy for takeover of Debt of other Banks
47Scheme for Re-Schedulement /restructuring of loans and advances
48Transport Loan Scheme