NAGRIK SAHAKARI BANK MARYADIT VIDISHA
Interest Rate of Deposits Effective From 15-06-2025
| Sr. No. | Particular | Interest Rate |
|---|---|---|
| 1 | 15 Days to 29 Days | 2.75% |
| 2 | 30 Days to 45 Days | 2.75% |
| 3 | 46 Days to 90 Days | 3.00% |
| 4 | 91 Days to 180 Days | 4.50% |
| 5 | 181 Days to below 1 Year | 5.50% |
| 6 | 1 Year to Below 2 Year | 6.75% |
| 7 | 444 Days | 6.75% |
| 8 | 400 Days | 6.75% |
| 9 | 500 Days | 7.00% |
| 10 | 2 Year to Below 3 Year | 7.00% |
| 11 | 3Year to Below 5 Year | 7.00% |
| 12 | 5 Year & Above | 6.50% |
| 13 | Senior Citizen Extra (1 Year & above) | 1.00% |
| 14 | Saving Account Interest Rate (UP TO 1 Lakh) | 2.25% |
| 15 | Saving Account Interest Rate (OVER 1 Lakh) | 2.25% |
| 16 | Recurring Account Int. Rate | Same as FD |
| 17 | Daily Deposit | 2.00% |
| 18 | Gullak Scheme | 2.00% |
| 19 | Staff Extra Interest 1% (1 Year & above) (on FD&RD) | |
| 20 | Retired Staff Extra Interest 1% (1 Year & above) (on FD&RD) | |
| 21 | Extra Interest 0.25% on the Bulk Deposit (Rs. 15.00 Lakh and above) | |
| 22 | बचत खातों पर ब्याज अब तिमाही आधार पर लगाया जायेगा। प्रत्येक तिमाही अंत में जून , सितंबर, दिसंबर एवं मार्च माह में उनके खातों में ब्याज जमा किया जायेगा। |
1. 24 x 7 IMPS AND UPI सेवाऐं उपलब्ध। 2. वरिष्ठ नागरिकों के लिए 1% अधिक्तम ब्याज दर उपलब्ध। 3. FD खातों पर अधिकतम ब्याज दर 4. प्रधानमंत्री सुरक्षा बीमा योजना, प्रधानमंत्री जीवन ज्योति बीमा योजना की सुविधा उपलब्ध
NAGRIK SAHAKARI BANK MARYADIT VIDISHA
Interest Rate of Loans Effective from 01 April 2025
| Sr. No. | Particular | Upto 10000 | Upto 25000 | Upto 100000 | Upto 500000 | Upto 1000000 | Upto 1500000 | Upto 2000000 | Upto 2500000 | Upto 3500000 |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Particulars | upto 10000 | upto 25000 | upto 100000 | upto 500000 | upto 1000000 | upto 1500000 | upto 2000000 | upto 2500000 | More than 2500000 |
| 2 | Consumer Loan | 18.00% | 18.00% | 15.00% | 13.00% | 12.00% | 12.00% | 11.00% | 11.00% | 11.00% |
| 3 | Self Employment Loan | 18.00% | 18.00% | 15.00% | 13.00% | 12.00% | 11.50% | 11.00% | 10.50% | 10.00% |
| 4 | Business Term Loan for running business | 18.00% | 16.00% | 15.00% | 13.00% | 11.50% | 11.00% | 10.50% | 10.00% | 10.00% |
| 5 | Cash Credit | 18.00% | 16.00% | 15.00% | 12.00% | 11.50% | 11.00% | 10.50% | 10.00% | 10.00% |
| 6 | Limit (OD) on property MSME | 15.00% | 15.00% | 14.00% | 12.00% | 11.50% | 11.00% | 10.50% | 10.00% | 10.00% |
| 7 | Limit (OD) on property PERSONAL | 15.00% | 15.00% | 14.00% | 12.50% | 12.00% | 11.50% | 11.00% | 10.50% | 10.50% |
| 8 | House Purchase/Construction Loan | N.A. | N.A. | 13.00% | 12.00% | 9.50% | 9.00% | 8.50% | 8.50% | N.A. |
| 9 | House Repairing, Renovation & Expantion Loan | N.A. | N.A. | 15.00% | 14.00% | 14.00% | 13.00% | 13.00% | 12.00% | 12.00% |
| 10 | Commercial Real Estate Loan | N.A. | N.A. | 15.00% | 15.00% | 12.00% | 11.00% | 10.25% | 10.00% | 9.50% |
| 11 | Loan against Jewellery | 10.80% | 10.80% | 10.80% | 10.80% | 10.80% | 10.80% | 10.80% | 10.80% | 10.80% |
| 12 | Loan against Ware House Receipt for Farmers | 13.00% | 13.00% | 13.00% | 13.00% | 13.00% | 13.00% | 13.00% | 13.00% | 13.00% |
| 13 | Loan against Ware House Receipt for Traders | 10.50% | 10.50% | 10.50% | 10.50% | 10.50% | 10.00% | 10.00% | 10.00% | 9.50% |
| 14 | Agriculture Loan | N.A. | N.A. | 15.00% | 12.00% | 12.00% | 11.75% | 11.50% | 11.25% | 11.00% |
| 15 | Personal Loan (unsecured) | 18.00% | 18.00% | 16.00% | 15.00% | N.A. | N.A. | N.A. | N.A. | N.A. |
| 16 | Personal Loan (Secured/ Property Mortgage Loan) | 18.00% | 18.00% | 16.00% | 15.00% | 13.50% | 12.50% | 12.00% | 11.50% | 11.50% |
| 17 | Two Wheeler Loan | 12.00% | 12.00% | 12.00% | 12.00% | 12.00% | 12.00% | 12.00% | 12.00% | 12.00% |
| 18 | Car Loan (all 4 Wheel domestic New) | N.A. | N.A. | 10.00% | 9.50% | 8.75% | 8.50% | 8.35% | 8.25% | 8.25% |
| 19 | Old Car Loan (all 4 Wheel domestic) | N.A. | N.A. | 13.00% | 12.50% | 12.00% | 11.50% | 11.00% | 10.50% | 10.50% |
| 20 | Vehicle Loan (Commercial & Three wheeler) | N.A. | N.A. | 13.00% | 12.00% | 10.50% | 10.00% | 10.00% | 10.00% | 10.00% |
| 21 | Old Vehicle Loan (Commercial & Three wheeler) | N.A. | N.A. | 15.00% | 14.00% | 13.50% | 13.50% | 13.00% | 12.50% | 12.50% |
| 22 | Machinery, Plant Loan | N.A. | N.A. | 13.50% | 12.50% | 12.00% | 11.50% | 11.00% | 10.50% | 10.50% |
| 23 | Office Chember/Equipment Loan | 14.00% | 14.00% | 13.50% | 12.50% | 12.00% | 12.00% | 11.50% | 11.00% | 11.00% |
| 24 | Loan against F.D.R. | 1%+FD Rate | 1%+FD Rate | 1%+FD Rate | 1%+FD Rate | 1%+FD Rate | 0.75%+FD Rate | 0.50%+FD Rate | 0.50%+FD Rate | 0.50%+FD Rate |
| 25 | Loan against Daily Deposit & Gullak Scheme | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% |
| 26 | Loan against Reccurring Deposit | 1%+RD Rate | 1%+RD Rate | 1%+RD Rate | 1%+RD Rate | 1%+RD Rate | 1%+RD Rate | 1%+RD Rate | 1%+RD Rate | 1%+RD Rate |
| 27 | Loan against Staff Service Fund | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% |
| 28 | Over Draft A/c | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% |
| 29 | Loan on LIC Policy | 8.50% | 8.50% | 8.50% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% |
| 30 | Loan on KVP/NSC | 8.50% | 8.50% | 8.50% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% |
| 31 | Bill Discount | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% |
| 32 | Temporary Limit | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% | 15.00% |
| 33 | Bank Gaurantee | 0.25% | 0.25% | 0.25% | 0.25% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% |
| 34 | Sugam Vyapar Loan | 16.00% | 16.00% | 16.00% | 15.00% | N.A. | N.A. | N.A. | N.A. | N.A. |
| 35 | OD to Staff UPTO 2 LAKH | N.A. | N.A. | N.A. | N.A. | N.A. | N.A. | N.A. | N.A. | N.A. |
Gold Loan, Ware House Loan after 1 year Revalution/Reinspection Charge 1% Extra Minimum Rs. 1000 & GST. Credit Score will not be affected on loan against bank deposit, WL, JL, loan against LIC, KVP, SS, CC, OD and UD. The bank will provide a discount of 0.50% if the customer rating is A+ and 0.25% if the customer rating is A. Take Over Loan Processing Fees 0.50% waive off. For Staff (HL, WL, JL, LAP,CAR) -1% of Applicable Rates. On other loans as per above.
