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Interest Rates
Deposits
Effective from 16th November, 2008

Type of Deposit Rate of Interest(per annum)
Fixed Deposits
3 Months 4.00%
6 Months 4.50%
1 Year  
Upto Rs 10 Million 6.00%
Above Rs 10 Million 6.25%
2 Years  
Upto Rs 10 Million 6.25%
Above Rs 10 Million 6.75%
Above 2 Years  
Upto Rs 10 Million 6.75%
Above Rs 10 Million 7.00%
Demand Deposit*  
Below 50 million 8.00%
50 million and above 8.50%
Savings
Shuva-Lav Premium Savings** 6.75%
Shuva-Lav Savings 5.00%
Shareholder's Savings 5.00%
Saving Deposit 4.50%
Special Saving Deposit  
Prime 4.00%
Others 3.50%
Naari Savings Deposit*** 5.25%
USD Saving 2.50%

*    Conditions Apply
**  Conditions Apply, Minimum Balance: Rs. 10,000
*** Interest on Daily Balance/Applicable to all branches

Loans And Advances
Effective from 16th November, 2008

Rate of Interest(per annum)
Types of Loan   Prime Others
Overdraft Corporate/Industry 10.50% 11.50%
  Trading 11.00% 12.00%
  Others 11.50% 12.50%
Term Loan   11.00% 12.00%
Short Term Loan
a. Revolving Working Capital Corporate/Industry 10.50% 11.50%
  Personal 11.00% 12.00%
b. Demand Loan Corporate/Industry 10.50% 11.50%
  Trading 11.50% 12.50%
Contract Loan   11.50% 12.50%
Time Loan   8.50% 9.50%
Import Credit   8.50% 9.50%
Export Credit   8.50% 9.50%
Loan against shares   10.00% 11.00%
Other Loan   12.00% 13.00%
Mortgage Loan   11.00% 12.00%
Hire Purchase     10.50%
Consumer Finance   10.00% 11.00%
House Loan Upto 5 years   9.50%
  Above 5 years   10.50%
Loan against Bank Guarantee     9.50%
Education Loan     10.50%
DCBL Cash Credit     10.50%
Laon against Fixed Deposit     +2 or 7.00% whichever is higher
Consortium Finacing     As per consortium decision
Generator Loan     10.00%


Wed, January 07, 2009










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