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Interest Rates on Loans & Advances (% p.a)

Interest rates on agriculture loans and advances:

Short term loans
Crop/Pragathi KCC/KCC-AH&F/Rythu Mitra Groups/Joint Liability Groups
During Interest Subvention Period
Up to & inclusive of Rs. 3.00 lakhs	7.00
Above Rs. 3.00 lakhs	13.50
Beyond Interest Subvention Period
Up to & inclusive of Rs.25,000/-	12.50
Above Rs.25,000/- & up to & inclusive of Rs.1,00,000/-	14.50
Above Rs.1.00 lakh	15.50
Produce loans
Up to Rs.3 lakhs against NWRs to SF/MF	7.00
Up to & inclusive of Rs. 2.00 lakhs	9.50
Above Rs.2.00 lakhs	10.50
Agriculture Term loans
(A) Agriculture Term Loans & Allied Activities
Up to & inclusive of Rs.50,000/-	12.00
Above Rs.50,000/-	12.00
B) Pragathi Farm Ponds	12.00
The above rates under Agriculture Term & Allied Loans are applicable to all Agriculture Term & Allied Loans other than those specifically mentioned.
C) Kisan Vahan (2/3/4 wheelers)	11.50
D) Farmer Producer Groups (FPG)	13.50
E) Farmer Producer Organization/Company (FPO/FPC)- SFAC	12.00
F) FPO/FPC –NABSanrakshan	Up to Rs.1.00 crore: 10.50 Above Rs.1 crore : 10.00

(B) Interest rates on loans and advances pertaining to Self Help Groups (SHGs)/Self Help Entrepreneur (SHE):

*Self Help Groups (SHGs)
DAY-NRLM-Interest Subvention	Up to Rs.3.00 lakhs	7.00
	Above Rs.3.00 lakhs and up to Rs.5.00lakhs	10.00
	Above Rs.5.00 lakhs	13.00
DAY-NRLM (Non- Interest Subvention) / Other SHGs	Up to Rs.3.00 lakhs	9.50
DAY-NRLM (Non- Interest Subvention) / Other SHGs	Above Rs.3.00 lakhs	13.00
Self Help Entrepreneur (SHE)		12.00

*Tiered rate of Interest.

(C) Interest rates on Jewel Loans:

Pragathi Kisan Swarna Scheme	9.50
Pragathi General Gold loan (Priority)	10.00
Pragathi General Gold Loan ( Non Priority)	10.25
Pragathi Swarna Sprint	9.45
Pragathi Siri Gold (Priority)	9.75
Pragathi Siri Gold (Non Priority)	10.00
Pragathi Vyapara Swarna OD	10.00
Pragathi Bullet Gold Loan	13.00
Pragathi Swarna Credit Card	13.00

Interest Rates on Retail loans:

Customized interest rates based on the risk categorization of the borrower which is as under

Segment

ROI

Pragathi Swagruha loan

CS:1 (Low Risk): 8.95% (CIC score 750 and above) CS:2 (Normal Risk): 9.20% (CIC score 700-749) CS:3 (Moderate Risk): 9.50% (CIC score 650-699) CS:4 (High Risk): 10.25% (CIC score below 650)

Concession of 0.25% is applicable for customers who are salaried class and fall under CS: 1, CS: 2, CS: 3 risk grades

Pragathi Swagruha Plus

CS:1 (Low Risk): 10.75%

CS:2 (Normal Risk): 11.00% CS:3 (Moderate Risk): 11.25%

CS:4 (High Risk): 12.50%

Housing loan (CRE)

+0.50% on the Swagruha loan based on the risk categorization of the borrower

Concession of 0.25% is applicable for customers who

are salaried class and falls under CS: 1, CS: 2, CS: 3 risk grades

Pragathi Conveyance loan (4 wheeler)

CS:1 (Low Risk): 9.15%

CS:2 (Normal Risk): 9.50% CS:3 (Moderate Risk): 9.80 % CS:4 (High Risk): 10.50%

Concession of 0.25% is applicable for customers who are salaried class and falls under CS: 1, CS: 2, CS: 3

risk grades

Pragathi Multi-Purpose Mortgage loan

CS:1 (Low Risk): 11.00%

CS:2 (Normal Risk): 11.15% CS:3 (Moderate Risk): 11.25 %

CS:4 (High Risk) :12.50%

Personal Banking scheme to Govt/Quasi Govt/PSU employees who are drawing salaries through our bank vide undertaking of salary

deduction from employer

CS:1 (Low Risk): 10.50 %

CS:2 (Normal Risk): 10.65% CS:3 (Moderate Risk): 11.00 % CS:4 (High Risk): 12.50%

Rent Plus (Individuals)

CS:1 (Low Risk): 10.90 %

CS:2 (Normal Risk): 11.00%

CS:3 (Moderate Risk): 11.25 % CS:4 (High Risk): 12.00%

Pragathi Vidya loan scheme

Up to & inclusive of Rs.7.50 lakhs-11.25%

Above Rs.7.50 lakhs-10.85%

Pragathi solar Roof Top

Product

Special ROI during Campaign (p.a)

(01.10.2024 to 31.12.2024)

Pragathi Solar Roof Top- PMSGY scheme (for upto 3 kW)

9.00 %

Pragathi Swagruha Loan

Salaried Class

Low Risk-CS 1: 8.60% (CIC score 750 and above)

Normal Risk-CS 2: 8.95 % (CIC score 700-749)

Moderate Risk-CS 3: 9.15% (CIC score 650-699)

High Risk: 10.25% (CIC score below 650)

Pragathi Swagruha Loan

Non Salaried Class

Low Risk-CS 1: 8.75%(CIC score 750 and above)

Normal Risk-CS 2: 9.10% (CIC score 700-749)

Moderate Risk-CS 3: 9.30% (CIC score 650-699)

High Risk: 10.25% (CIC score below 650)

(E) Interest Rates on other Non-Priority loans:

Pragathi Senior (for retired staff of APGB drawing pension through APGB)	10.00
Pragathi Pensioners loan scheme	12.00
Pragathi Conveyance loan (2/3 wheeler)	13.00
Branch Premises loan	12.00
Loans/OD against approved securities like NSCs LIC policies	12.00
BGs paid (incl. OD interest)	16.00
Commercial complexes/School or College buildings, (CRE) etc	13.00
CDD – Discount to be collected by way of interest (both priority & non-priority)
(a) for a minimum period of 10 days	16.00
(b) from 11^th day (quarterly compounded)	16.00
Debit Balances in SB/Current A/Cs	16.00
Loans on Deposits/ODDs:
Against Nitya Nidhi Deposits	11.00
Against other term deposits
Up to Rs. 5.00 Lakh	2% above the deposit rate without any ceiling
Above Rs. 5.00 Lakh	1% above the deposit rate without any ceiling
Against term deposits prematurely withdrawn within 15 days	15.00

Interest rates on Non-Farm sector/MSME advances:

Loans/Working Capital limits to Dealers of inputs to Agriculture (fertilizers, pesticides, seeds, minor and micro irrigation equipment, etc), Retail Trade, Small Business, Small Scale Industries, SME Sector etc. (Working Capital & Term Loans)

Loans covered under CGTMSE (up to Rs.10.00 lakhs)	12.00
Loans covered under CGTMSE (Above.10.00 lakhs)	11.75
Non-CGTMSE (Above Rs.10.00 lakhs)	11.50
PMEGP	12.00
Pragathi Trade Overdraft	12.00
SRTO	11.00
Show Room Renovation scheme	12.50
Pragathi Doctor Plus	10.50

Pragathi Swarojgar Credit Card Scheme	12.50
General Credit Card	12.50
Loans under DRI	4.00
Pragathi Bank Mitra (Business Correspondents)	7.00
PMJDY OD	12.00

The above rates under Non-Farm Sector/MSE are applicable to both Priority and Non-Priority Sector advances other than those specifically mentioned in this circular.