ANNEXURE I - FLOATING RATE OF INTEREST

SCHEME CODE

Criteria

Revised ROI (w.e.f. 01.07.25

Interest table code

TL

CC/OD

AGRICULTURE & ALLIED ACTIVITIES

Kisan Credit Card(CC004)

Agricultural Short Term Production Credit up to ₹3 Lakh

10.00% (7% p.a. where account is regular and timely rollover in KCC)

KCC01( For New Accounts) / KCC2L or KCC3L( For Existing Accounts)

Agricultural Short Term Production Credit Over ₹3 Lakh up to ₹25 L

11.00%

KCC01( For New Accounts)/KCC5L( For Existing Accounts)

Agricultural Short Term Production Credit greater than ₹25L

11.00%

Indirect Agriculture & other priority sector loan schemes e.g.  ACABC, Solar Photovoltaic System, Rural Godowns (CC004,LA101,LA004,L A006,LA009,LA214,LA229,LA101, etc)

Agricultural Short Term Production Credit up to ₹3 Lakh

9.00% (7% p.a. where account is regular and timely rollover in KCC)

AGPRO

Agricultural Short Term Production Credit Over ₹3 Lakh up to ₹25 L

11.00%

Agricultural Short Term Production Credit greater than ₹25L

11.00%

Farm Mech Scheme (Tractor, Power Triller & Harvester) and other Direct Agri Invest. Credit Schemes viz OFWM, Agri. Implements, Dairy, DEDS, Fisheries, Piggeries, Sheep/Goat. Poultry, Deep Borewell, FPC, Agri Junction, Horticulture, Loan for cold storage & Loan Against Ware House or Cold Storage Receipt. LA010,LA001,LA003,LA005,LA030,LA006,LA007,LA008,LA020,LA021,LA022,LA011,LA019,LA003,LA101,CC001,CC008,etc

Loan up to ₹3L

9.00%

AGINV

NA

Loan > ₹3L

10.50%

NA

Krishak Awas Rin Yojana(LA214, LA218, LA219 etc.)

ALL Cases

11.00%

LA056

NA

Kisan Tatkal Rin Yojana (LA420, OD022)

ALL Cases

9.00%

As per Scheme

New Tractor Loan Schemes (LA434, LA435,LA438 & LA433)

Agriculture end use

13.00%

LA 434-LA072

NA

Agriculture cum Commercial Use

13.50%

NA

i) Agriculture use

LA435-LA071

NA

ii) Commercial Use

LA438-LA071

NA

Tatkal Tractor Loan

14.00%

LA433-LA072

NA

BUSINESS

Prof. & Self Employed (LA207, LA208, and OD011 etc.)

Loan up to ₹3L

10.40%

LMSME

MSME4- CC,MSPS1-OD

>Rs. 3.00 Lakh to 25.00 lakh

10.90%

MSME4- CC,MSPS2-OD

>25.00 lakh

11.40%

MSME4- CC,MSPS3

Saral Vyapar Yojna (LA210,OD006)

Loan up to ₹10L

10.50%

LA061

Above ₹10L on credit rating based

Rating

A+

9.50%

SVLA1

SVYA1

A

10.40%

SVLA2

SVYA2

B+

11.50%

SVLB1

SVYB1

B

12.60%

SVLB2

SVYB2

C&D

13.70%

SVLC1

SVYC1

General Credit Card (GCC), SCC & WCC CC006-SCC & CC005-GCC,CC005,OD001,CC001,CC007,LA226,LA227,CC006,LA205,LA206,LA229,LA230

Up to ₹3.00 Lakh

11.00%

MSME6, MSME7

CC006, CC005

> ₹3.00 Lakh to ₹10.00 lakh

11.50%

MSME6, MSME7

CC006, CC005

Loan Above  ₹10.00 lakh Credit Rating Based

Rating

A+

9.50%

MSMA1

MSCC1

A

10.40%

MSMA2

MSCC2

B+

11.50%

MSMA3

MSCC3

B

12.60%

MSMA4

MSCC4

C

13.70%

MSMA5

MSCC5

D

15.00%

MSMA6

MSCC6

MSME (Up to ₹10.00 Lakh) (CC008,CC010,CC011,LA229,LA230, LA231,etc)

Up to ₹3.00 lakh

11.00%

LMSME

MSME4

>₹3.00 Lakh up to ₹10.00 lakh

11.50%

LMSME

MSESM

MSME Above ₹10.00 Lakh (CC008,CC010, CC011,LA229,LA230, LA231,etc)

Loan Above ₹10.00 lakh Credit Rating Based

Rating

A+

9.50%

MSMA1

MSCC1

A

10.40%

MSMA2

MSCC2

B+

11.50%

MSMA3

MSCC3

B

12.60%

MSMA4

MSCC4

C

13.70%

MSMA5

MSCC5

D

15.00%

MSMA6

MSCC6

Trade Finance - Working Capital (CC001, etc.)

Up to ₹3.00 lakh

11.00%

LMSME

MSME4

>₹3.00 Lakh up to ₹10.00 lakh

11.50%

LMSME

MSTRA

Loan Above ₹10.00 lakh Credit Rating Based

Rating

A+

9.50%

MSMA1

MSCC1

A

10.40%

MSMA2

MSCC2

B+

11.50%

MSMA3

MSCC3

B

12.60%

MSMA4

MSCC4

C

13.70%

MSMA5

MSCC5

D

15.00%

MSMA6

MSCC6

Road Transport Operator (SRTO) (LA212, LA213)

Up to ₹3.00 lakh

11.00%

LSRTA

NA

>₹3.00 Lakh up to ₹10.00 lakh

11.50%

LSRTA

NA

Loan Above  ₹10.00 lakh

Rating

A+

9.50%

RTOA1

NA

A

10.40%

RTOA2

NA

B+

11.50%

RTOB1

NA

B

12.60%

RTOB2