Regular KCC–O/S upto Rs. 3 Lakhs

7.00%

Agriculture Loans Up to Rs. 20 Lakhs

(including irregular KCC)

MCLR(1 Yr) + 1.25%

Agriculture Loans Above Rs. 20 lakhs and upto Rs. 50 lakhs

MCLR(1 Yr) + 2.00%

Agriculture Loans Above Rs. 50 lakhs

RoI based on Internal Risk Rating and External Risk Rating, wherever applicable.

Outstanding upto Rs. 3.00 Lakh

7.00%

Outstanding > Rs. 3.00 Lakh upto Rs. 5.00 Lakh

1 year-MCLR or 10% per annum whichever is lower

Loans repayable up to 1 year

MCLR (1 Yr) + 2.10%

Loans repayable in >1 year and up to 3 years

MCLR (1 Yr) + 2.15%

Loans repayable in >3 years

MCLR (1 Yr) + 2.70%

Outstanding >Rs. 20.00 Lakh

RoI based on Internal Risk Rating and External Risk Rating, wherever applicable.

1

0.20

0.25

0.30

0.40

2.05

0.55

2

0.20

0.30

0.35

0.45

2.10

0.60

3

0.55

0.65

0.75

0.85

2.45

1.00

4

1.10

1.15

1.20

1.30

3.00

1.45

5

1.60

1.65

1.70

1.80

3.50

1.95

6

2.50

2.60

2.95

3.55

4.40

3.80

7

4.40

4.45

4.85

5.00

5.00

5.00

8

5.00

1

0.35

0.40

0.45

0.55

2.20

0.70

2

0.40

0.45

0.50

0.60

2.25

0.75

3

0.70

0.80

0.90

1.00

2.60

1.15

4

1.25

1.30

1.35

1.45

3.15

1.60

5

1.75

1.80

1.85

1.95

3.65

2.10

6

2.65

2.75

3.1

3.7

4.55

3.95

7

4.55

4.6

5

5.15

5.15

5.15

8

5.15

9

10

Microfinance Loan - Retail

Personal Loan

RLLR + BSP + 5.00%

Other Purpose

RLLR + BSP + 3.25%

Microfinance Loan - MSME

Food Processing Unit - Agri

RLLR + BSP + 1.20%

MSME Unit

RLLR + BSP + 1.40%

Microfinance Loan - Agriculture

MCLR + 2.70%

Advances up to Rs. 50000/-

0.15%

Advances >Rs. 50000/- to Rs. 20 Lakh

1.40%

PNB-A1

0.80%

PNB-A2

1.30%

PNB-A3

1.60%

PNB-A4

1.65%

PNB-B1

2.95%

PNB-B2

4.10%

PNB-B3

7.40%

PNB-C1 & Below

8.00%

20%

30%

50%

100%

150%

PNB-A1

0.20%

0.30%

0.40%

0.80%

1.20%

PNB-A2

0.70%

0.80%

0.90%

1.30%

1.70%

PNB-A3

1.00%

1.10%

1.20%

1.60%

2.00%

PNB-A4

1.05%

1.15%

1.25%

1.65%

2.05%

PNB-B1

2.35%

2.45%

2.55%

2.95%

3.35%

PNB-B2

3.50%

3.60%

3.70%

4.10%

4.50%

PNB-B3

6.80%

6.90%

7.00%

7.40%

7.80%

PNB-C1 & Below

8.00%

20%

30%

50%

100%

150%

PNB-A1

0.20%

0.25%

0.40%

0.80%

1.20%

PNB-A2

0.25%

0.30%

0.45%

0.85%

1.25%

PNB-A3

0.50%

0.55%

0.70%

1.10%

1.50%

PNB-A4

0.75%

0.80%

0.95%

1.35%

1.75%

PNB-B1

1.95%

2.00%

2.15%

2.55%

2.95%

PNB-B2

3.35%

3.40%

3.55%

3.95%

4.35%

PNB-B3

6.85%

6.90%

7.05%

7.45%

7.85%

PNB-C1 & Below

8.00%

20%

30%

50%

100%

150%

PNB-A1

0.20%

0.30%

0.45%

0.85%

1.20%

PNB-A2

0.25%

0.35%

0.50%

0.90%

1.25%

PNB-A3

0.35%

0.45%

0.60%

1.00%

1.35%

PNB-A4

0.80%

0.90%

1.05%

1.45%

1.80%

PNB-B1

1.10%

1.20%

1.35%

1.75%

2.10%

PNB-B2

2.90%

3.00%

3.15%

3.55%

3.90%

PNB-B3

4.60%

4.70%

4.85%

5.25%

5.60%

PNB-C1 & Below

8.00%

Less than 50%

Minimum

RLLR+BSP+0.50%

Maximum

RLLR+BSP+3.50%

50% to less than 100%

Minimum

RLLR+BSP+0.35%

Maximum

RLLR+BSP+3.00%

100% & above

Minimum

RLLR+BSP+0.20%

Maximum

RLLR+BSP+2.00%