| I. AGRICULTURAL (CROP/ PRODUCTION LOANS) | ||
| SL. No | Particulars | Interest Rates |
| a. | Loans up to Rs 3 Lakhs | 7.00% |
| b. | Above Rs 3 Lakhs & upto Rs. 5 Lakhs | 10.25% |
| c. | Above Rs 5 Lakhs & upto Rs. 10 Lakhs | 10.25% |
| d. | Loans above Rs. 10 Lakhs | 11.00% |
| II. ALLIED AGRICULTURAL (Both Cash Credit and Term Loan) | ||
| SL. No | Particulars | Interest Rates |
| a. | Upto Rs 50.000/- | 9.50% |
| b. | Above Rs 50,000/. and upto Rs 2 Lakhs | 10.50% |
| c. | Above Rs 2 Lakhs and upto Rs 5 Lakhs | 11.50% |
| d. | Above Rs 5 Lakhs and upto Rs 10 Lakhs | 12.00% |
| e. | Above Rs 10 Lakhs | 12.00% |
| III. SME SEGMENTS (BOTH CASH CREDIT & TERM LOAN) | ||
| SL. No | Particulars | Interest Rates |
| a. | Upto Rs 50.000/- | 11.00% |
| b. | Above Rs 50,000/. and upto Rs 2 Lakhs | 11.50% |
| c. | Above Rs 2 Lakhs and upto Rs 5 Lakhs | 12.00% |
| d. | Above Rs 5 Lakhs and upto Rs 10 Lakhs | 12.50% |
| e. | Above Rs 10 Lakhs | 12.50% |
| f. | Pradhan Mantri MUDRA Yojana | 10.00% |
| g. | PM SVA Nidhi | 11.00% |
| h. | Stand Up India | As per existing MSME rate |
| i. | PMEGP - Tourism Meghalaya Homestay scheme | 9% |
| j. | Meghalaya Luxury Tourism Vehicle Scheme | 9% |
| k. | Asset backed loan | 11.50% |
| IV. HOUSING LOAN | ||
| Super Housing Loan Plus (House construction & purchase of plot with existing house) | ||
| a. | Upto 25 Lakhs | 8.00% |
| b. | >25 lakhs upto 50 Lakhs | 8.15% |
| c. | Above 50 Lkahs | 8.25% |
| Super Housing Plus (Land purchase) | ||
| a. | Upto 25 Lakhs | 8.25% |
| b. | >25 lakhs upto 50 Lakhs | 8.35% |
| c. | Above 50 Lkahs | 8.50% |
| d | Ka iing/our home scheme | 8.00% |
| V. EDUCATIONAL LOAN | ||
| a. | Upto Rs 4 Lakhs | 11.00% |
| b. | Above Rs 4 Lakhs and upto Rs 10 Lakhs | 11.00% |
| c. | Above Rs 10 Lakhs and upto Rs 25 Lakhs | 11.00% |
| d. | Above Rs 25 Lakhs | 13.00% |
| VI. PERSONAL - SEGMENT | ||
| SL. No | Particulars | Interest Rates |
| a. | Consumer durable / Computers | 13.00% |
| b. | Two Wheeler | 10.00% |
| c. | Public Car Loan (CIBIL Score above 850) | 8.50% |
| Public Car Loan (CIBIL Score of 750 upto 849) | 9.00% | |
| Public Car Loan (CIBIL Score of 600 upto 749) | 10.00% | |
| d. | Public Personal (Check - off) | 12.00% |
| Public Personal (Check - off) - above 25 lakhs | 12.50% | |
| Public Personal (Non-Check - off) | 12.75% | |
| e. | Public festival Loan (Check-off & Non-Check-off) | 13.00% |
| f. | Public pension loan | 13.00% |
| g. | PMJDY Overdraft | 11.70% |
| VII. Loans under National Scheduled Tribes Finance and Development Corporation (NSTFDC) | ||
| SL. No | Particulars | Interest Rates |
| a. | Upto Rs. 5 Lakhs | 6.00% |
| b. | Above Rs 5 Lakhs | 8.00% |
| VIII. OTHER LOANS | ||
| Loan against property (LAP) ( Salaried personnel) | ||
| a. | 10 Lakhs up to 25 Lakhs | 10.50% |
| >25 Lakhs up to 75 Lakhs | 10.75% | |
| >75 Lakhs up to 3 Crore | 11.00% | |
| Loan against property (LAP) ( Businessperson) | ||
| b. | 10 Lakhs up to 25 Lakhs | 11.00% |
| >25 Lakhs up to 75 Lakhs | 11.25% | |
| >75 Lakhs up to 3 Crore | 11.50% | |
| c. | Loan to NGOs for onward lending to SHGs | 10.00% |
| d. | Loan to SHGs under NRLM (upto 3.00 Lakhs) | 7.00% |
| e. | Upto 5.00 Lakhs | 10.00% |
| f. | More than 5.00 Lakhs | 12.00% |
| g. | Mortgage loan scheme | 13.00% |
| h. | Loans under Rent Plus | 13.00% |
| i. | Demand loan/OD against Bank's own securities | 1% + FD rate |
| j. | Demand Loan/OD against NSC/Surrender value of LIC policy | 14.00% |
| k. | Clean overdraft | 15.50% |
