Annexure II

A. Rate of Interest on Advances for Agricultural purposes:

Sl. Size of the Limit / Loan Base Rate

No.
Existing RoI - % p.a Revised RoI - % p.a
w.e.f 01.11.2015 (w.e.f 06.01.2017)
Agricultural Jewel Loans:
01 Upto & inclusive of Rs. 2.00 lakhs
02 Over Rs. 2.00 lakhs and upto Rs.
3.00 lakhs BR (10.50) BR (9.75)
03 Over Rs. 3.00 lakhs and upto Rs.
5.00 lakhs
04 Over Rs. 5.00 lakhs

Other Agri. Credits : (inclusive

of KCC)
05. Upto & inclusive of Rs. 2.00 lakhs BR (10.50) BR (9.75 )
06. Over Rs. 2.00 lakhs but Upto & BR plus 0.75 (11.25) BR plus 1.50 (11.25)
Inclusive of Rs.3.00 lakhs
07 Over Rs.3.00 lakhs but Upto BR plus 2.25 (12.75) BR plus 3.00 (12.75)
Rs.5.00 lakhs
08 Over Rs.5.00 lakhs BR plus 3.25 (13.75) BR plus 4.00 (13.75)
09 Advances to farmers against
agricultural commodities /
warehouse receipts / cold storage
bonds
a) upto Rs.5.00 lakhs BR plus 0.75 (11.25) BR plus 1.50 (11.25)
b) Over Rs.5.00 lakhs upto
Rs.10.00 lakhs BR plus 1.50 (12.00) BR plus 2.25 (12.00)
c) Above Rs.10.00 lakhs BR plus 4.75 (15.25) BR plus 5.50 (15.25)

10 Advances to Self Help Groups

(SHGs) BR plus 1.00 (11.50) BR plus 1.75 (11.50)

11 Advances under Swarojkar Credit

Cards (SCC)
a) Upto Rs. 50000 BR (10.50) BR (9.75)

b) Above Rs. 50000 BR plus 5.25 (15.75) BR plus 6.00 (15.75)

12 Advances under General credit

Card (GCC) BR plus 5.25 (15.75) BR plus 6.00 (15.75)
Upto Rs. 25,000/- only
 B. Rate on of Interest Non-agri & Other Commercial Advances

Sl. Base Rate

No Size of the Limit
Existing RoI - % p.a. Revised RoI - %
01.11.2015 p.a.
06.01.2017
Jewel Loans: (Non-Agri)
01 Jewel Loan (upto & inclusive of Rs.50,000/- BR plus 3.00 (13.50) BR plus 3.75 (13.50)
for Non - Agri purpose / Personal
consumption purposes
02 All Other Jewel Loan (Over Rs. 50,000 - for BR plus 4.00 (14.50) BR plus 4.75 (14.50)
Non - Agril purpose / personal consumption
purposes)

Jewel Loans – (Non Agri) – (Special Category SME, Debt Swapping, Housing &
Education – to be included in priority sector)
3 Upto & inclusive of Rs.50,000 BR plus 2.50 (13.00) BR plus 3.25 (13.00)
4 Above Rs. 50,000 and upto Rs. 1.00 lakh BR plus 3.50 (14.00) BR plus 4.25 (14.00)
5 Over Rs. 1.00 lakh BR plus 3.75 (14.25) BR plus 4.50 (14.25)

Other Credits : (all categories of business credits)

06. Upto & Inclusive of Rs. 2.00 lakhs BR plus 6.00 (16.50) BR plus 6.75 (16.50)
(For business purpose)
07. Over Rs. 2.00 lakhs** BR plus 7.00 (17.50) BR plus 7.75 (17.50)

08 Lending for Commercial Real Estate and BR plus 8.00 (18.50) BR plus 8.75 (18.50)
Capital Market Exposure
09 Housing loans
(Above Rs. 25.00 lakhs)
BR plus 0.50 (11.00) BR plus 1.25 (11.00)
 Upto 5 years
BR plus 0.75 (11.25) BR plus 1.50 (11.25)
 Over 5 yrs to 10 Yrs
BR plus 1.50 (12.00) BR plus 2.25 (12.00)

 Above 10 yrs and upto 15 yrs BR plus 2.50 (13.00) BR plus 3.25
(13.00)
 Loans above 15 years
10. Loans for purchase of Consumer Durables,
two/four wheelers and other consumer loans
, personal loans (irrespective of the quantum BR plus 7.00 (17.50) BR plus 7.75 (17.50)
of Advance i.e., those which are not coming
under banks own loan schemes)

11 Advances against third party Deposits

(other than agriculture credits) BR plus 7.00 (17.50) BR plus 7.75 (17.50)
12 TOD in current account BR plus 8.00 (18.50) BR plus 8.75 (18.50)

13 For S.T increase in OD/CC limits 2% over & above the 2% over & above the
applicable rate applicable rate
** The rate of interest subjected to risk score - based on the risk rating made for the borrowers
who are enjoying credit facilities of Rs. 10.00 lakh and above.
 C. Rate of Interest for Advances under Special Loan Schemes of CUB:

Name of the Scheme Base Rate

Existing Revised RoI - %
RoI p.a.
01.11.2015 06.01.2017
CUB Consumer Loan BR plus 5.50 (16.00) BR plus 6.25 (16.00)
CUB Easy Ride BR plus 4.00 (14.50) BR plus 4.75 (14.50)
CUB Yoga Vahana BR plus 4.00 (14.50) BR plus 4.75 (14.50)
CUB Sulabh BR plus 5.75 (16.25) BR plus 6.50 (16.25)
CUB Sona (overdraft) BR plus 3.75 (14.25) BR plus 4.50
(including scheme to pawn brokers) (14.25)
CUB Bazaar BR plus 8.00 (18.50) BR plus 8.75 (18.50)

CUB Dharani (Special)

Above Rs. 50,000 & Upto Rs. 20.00 lakh BR plus 4.00 (14.50) BR plus 4.75 (14.50)

CUB Easy Business

(ROI may vary within the ceiling of PLR depending BR plus 5.25 (15.75) BR plus 6.00 (15.75)
upon the credit rating)

CUB Dharani
a) Upto & inclusive of Rs. 2.00 lakhs BR plus 4.25 (14.75) BR plus 5.00 (14.75)
b) Over Rs. 2.00 lakhs BR plus 5.75 (16.25) BR plus 6.50 (16.25)

CUB Swayam Griha Scheme

Upto Rs. 25 lakhs

 Upto 5 years BR (10.50) BR (9.75)

 Over 5 yrs to 10 Yrs BR plus 0.50 (11.00) BR plus 1.25 (11.00)

 Above 10 yrs and upto 15 yrs BR plus 1.00 (11.50) BR plus 1.75 (11.50)

 Loans above 15 years BR plus 2.00 (12.50) BR plus 2.75 (12.50)

CUB Vidhyavani (Meritorius)

=> Upto Rs.4.00 lakhs
 For Boys BR plus 4.00 (14.50) BR plus 4.75 (14.50)

 For Girls BR plus 3.50 (14.00) BR plus 4.25 (14.00)

=> Above Rs.4.00 lakhs

 For Boys BR plus 5.00 (15.50) BR plus 5.75 (15.50)

 For Girls BR plus 4.50 (15.00) BR plus 5.25 (15.00)

 Name of the Scheme Base Rate
Existing Revised RoI - %
RoI p.a.
01.11.2015 06.01.2017

CUB Vidhyavani (Management)

=> Upto Rs.4.00 lakhs
 For Boys BR plus 4.50 (15.00) BR plus 5.25 (15.00)

 For Girls BR plus 4.00 (14.50) BR plus 4.75 (14.50)

=> Above Rs.4.00 lakhs

 For Boys BR plus 5.50 (16.00) BR plus 6.25 (16.00)

 For Girls BR plus 5.00 (15.50) BR plus 5.75 (15.50)

Name of the Scheme Base Rate

Existing RoI - % p.a. Revised RoI - %
01.11.2015 p.a.
06.01.2017
Special Loan Scheme to RTOs. ***
For advances Secured by new vehicles alone BR plus 2.50 (13.00) BR plus 3.25 (13.00)
(without any collateral)
For advances Secured by new vehicles & any BR plus 2.00 (12.50) BR plus 2.75 (12.50)
other collateral (value of collateral – Min 50%)
*** for advances secured by Second Hand
Vehicles
a) upto & inclusive of Rs. 2.00 lakh BR plus 5.75 (16.25) BR plus 6.50 (16.25)
b) above Rs. 2.00 lakh BR plus 7.25 (17.75) BR plus 8.00 (17.75)
For Tie-up arrangement for Tractors, Dairy As per individual tie-up schemes in force
projects, Palm oil, Casuarina, etc

D. Rate of Interest on Collateral free loans for Micro and Small Enterprises
under CGFT scheme (for Collateral Free Loans)
Nature of advance Base Rate
Revised RoI Revised RoI
(% p.a.) (% p.a.)
w.e.f 01.11.2015 w.e.f 06.01.2017
Upto and inclusive of Rs. 5.00 lakhs
Above Rs. 5.00 lakhs and upto Rs. 20 lakhs Base Rate plus 2 Base Rate plus 2.75
Above Rs. 20.00 lakhs and upto Rs. 50 lakhs (12.50) (12.50)
Above Rs. 50.00 lakhs and upto Rs. 100 lakhs BR plus 3 (13.50) BR plus 3.75 (13.50)
 E. Rate of Interest on Micro Enterprises upto Rs. 25.00 lakh
[which are not covered under CGFT scheme and where we have collateral]
Nature of advance Base Rate
Existing RoI (% p.a.) Revised RoI
w.e.f 01.11.2015 (% p.a.)
w.e.f 06.01.2017
For Micro manufacturing & Micro services – not BR plus 3.25 (13.75) BR plus 4.00 (13.75)
covered under CGFT scheme [For loans upto Rs.
25.00 lakh only]

PMMY – Shishu BR plus 1.50 (12.00) BR plus 2.25 (12.00)

PMMY – Kishore BR plus 1.75 (12.25) BR plus 2.50 (12.25)
PMMY - Tarun BR plus 2.00 (12.50) BR plus 2.75 (12.50)
 Annexure – III

Interest rates on Rupee Export credit

(Base Rate (BR) – 9.75%)

(w.e.f 06.01.2017)
Categories of Export Credit
A. Pre-shipment credit
a) upto 270 days BR plus 3.75
(13.50)

b) Against incentives receivable from Govt. Covered by ECGC BR plus 3.75

Guarantee upto 90 days (13.50)

B. Post-shipment credit
a) On demand bills for transit period as specified by FEDAI BR plus 3.75
(13.50)
b) Usance bills (for total period comprising usance period of
export bills, transit period as specified by FEDAI and grace
period, wherever applicable)
i) i) upto 180 days BR plus 3.75
(13.50)

ii) ii) upto 365 days for exporters under the Gold Card Scheme BR plus 3.75
(13.50)
c) Against incentives receivable from Government covered by BR plus 2.75
ECGC guarantee upto 90 days (12.50)
d) Against un drawn balance upto 90 days BR plus 2.75
(12.50)
E. Against retention money (for supplies portion only) payable BR plus 2.75
within one year from date of shipment - upto 90 days (12.50)
F. Export credit not otherwise specified (ECNOS)

i) For overdue bills upto 180 days BR plus 3.75

(13.50)

ii) For all others BR plus 7.75

(17.50)

(The above rates are ceiling rates and banks are free to charge any rate below this
ceiling rates. Hence, branches are advised to charge interest as per the rate stipulated
in the sanction letter of C.O.)
 Annexure – IV

Loans and Advances against Non-Resident Deposits

Nature of Quantum RoI for Loans RoI for Overdrafts

Deposits p.a p.a
For For Third For For Third
Depositors parties Depositors parties
At At
NRE Upto 75% Deposit rate commercial Deposit rate commercial
Deposits plus 2% rates (i.e.,) plus 2.50% rates (i.e.,)
as applicable as applicable
to the to the
Upto 90% Deposit rate quantum of Deposit rate quantum of
plus 2.50% advance and plus 3.00 % advance and
purpose / purpose /
activity activity
FCNR (B) Deposits

a) In
Indian Upto 75% BR plus At BR plus At
Rupees 3.75% p.a commercial 4.25% p.a commercial
(13.50%) rates (i.e.,) (14.00%) rates (i.e.,)
Upto 90% as applicable as applicable
(only with BR plus to the BR plus to the
the approval 4.75% p.a quantum of 5.25% p.a quantum of
of Chairman (14.50%) advance and (15.00%) advance and
/ MD / ED / purpose / purpose /
GM) activity activity

Upto 75% Deposit rate

plus 2.00% NOT APPLICABLE
b) In p.a
Foreign
Currency
Upto 90% Deposit rate NOT APPLICABLE
plus 2.50%
p.a

NRO Upto 80% Rate of Interest as applicable to Domestic Deposits

Deposits only