INTEREST RATES

Rates with effect from 06.09.2017

 

Children's Savings Deposits - MUTHUSINA & CHALLENGER DEPOSITS

Rate % (p.a)
6.00
AER % (p.a)
6.17

 

SAUBHAGYA - Normal Savings Deposits

Rate % (p.a)
4.00
AER % (p.a)
4.07

 

KAPTHURA - Fixed Deposits

Period
01 Month
03 Months
06 Months
12 Months
24 Months
36 Months
48 Months
60 Months
 
12 Months
24 Months
36 Months
48 Months
60 Months
Interest Payment
On Maturity
On Maturity
On Maturity
On Maturity
On Maturity
On Maturity
On Maturity
On Maturity
 
Monthly
Monthly
Monthly
Monthly
Monthly
Rate % (p.a)
7.25
10.50
10.75
11.00
11.50
12.25
12.75
13.50
 
10.50
10.50
10.50
10.50
10.50
AER % (p.a)
7.50
10.92
11.04
11.00
10.91
11.00
10.85
10.87
 
11.02
11.02
11.02
11.02
11.02

 

PIDUMA - Fixed Deposits (For Senior Citizens)

Period
03 Months
06 Months
12 Months
 
24 Months
36 Months
48 Months
60 Months
 
03 Months
06 Months
12 Months
 
24 Months
36 Months
48 Months
60 Months
Interest Payment
On Maturity
On Maturity
On Maturity
On Maturity - Special
(Age above 60)
On Maturity
On Maturity
On Maturity
On Maturity
 
Monthly
Monthly
Monthly
Monthly - Special
(Age above 60)
Monthly
Monthly
Monthly
Monthly
Rate % (p.a)
10.50
10.75
11.50
15.00
11.75
12.50
12.75
13.50
 
10.00
10.50
11.00
14.06
11.00
11.00
11.00
11.00
AER % (p.a)
10.92
11.04
11.50
15.00
11.13
11.20
10.85
10.87
 
10.47
11.02
11.57
15.00
11.57
11.57
11.57
11.57

 

Loan Rates

Category 
 
Mortgage Loans
Category 1  
Category 2  
 
 Type of Income
 
Salaried income or Professional Income  
Other than Salaried Income (Business and Foreign Employment etc.)   
 
Option 1
Fixed Rate
throughout
the period (up to 10 years)
15.00% p.a.
15.25% p.a
  Rate 
 
Fixed Rate
throughout
the period (up to 15 years)
 15.50% p.a. 
 15.75% p.a.
 
 
Fixed Rate
throughout
the period (up to 25 years)
16.00% p.a.
N/A
 
Option 2
Floating Rate
throughout
the period
(Revised Quarterly)
 *AWPLR(03m)
+3.00% p.a.  
 *AWPLR(03m)
+3.50% p.a.  


* AWPLR is calculated based on the weekly average of AWPLR for the past three months
(note : AWPLR - Average Weighted Prime Lending Rate)
 
 
Category 
EPF Loans
Direct Salary Remittances

Personal Loans
(Professionals)
Upto 5 Years
Upto 7 Years
Upto 10 Years
Others
(Including Employees in  
Government/
Semi Government
Institutions)
Upto 5 Years
Upto 7 Years
Upto 10 Years
Private Sector Employees
Upto 5 Years
Upto 7 Years

Personal Loan 
(Property Mortgage)
Salaried income
Upto 10 Years 
Greater than 10 years
Personal Loan 
(Property Mortgage)
Upto 10 Years 
Upto 15 Years
SME Loans
Upto 5 Years
Upto 10 Years
Floating Rate
Low Income Group
Upto 5 Years 

Vehicle Loans
Upto 5 Years
Upto 7 Years
Micro Finance 

Interest Rate % (p.a)

16.00



15.00 
15.50
15.75 
 



15.25 
15.75 
16.00

15.50
16.00




15.25
15.75


15.75
16.00


15.00
AWPLR(03m)+3.50% p.a.

15.00


15.00
15.50
20.00 

 
 
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