ANNEXURE – 1

AGRICULTURAL ADVANCES – INTEREST RATES

Short-term loans (Crop Loans) i.e. ACC/KCC/Agricultural Gold loans

S. Size of Credit Rates Revised rates

N w.e.f. 05.01.2011 w.e.f. 14.02.2011
o

1. Up to Rs.3.00 lac under interest subvention For crop loans up to a

scheme.(From the date of disbursement / limit of Rs.3.00 lac rate No Change
drawal upto the date of actual repayment or of interest is fixed at
upto the due date fixed by the branch 7.00% p.a. by RBI/
beyond which the outstanding loan Govt. of India under
becomes overdue, whichever is earlier, interest subvention
subject to a maximum period of one year.) scheme.

1. Upto Rs.50,000/- 10.50 %( PLR-3.00) 10.75 %( PLR-3.00)

2. Above Rs.50000/- upto Rs.2.00 lac 11.50 %( PLR-2.00) 11.75 %( PLR-2.00)
3. Above Rs.2.00 lac upto Rs. 3.00 lac 12.25 %( PLR-1.25) 12.50 %( PLR-1.25)
4. Above Rs.3.00 upto Rs.5.00 lac 13.00 %( PLR-0.50) 13.25 %( PLR-0.50)
5. Above Rs.5.00 upto Rs.25.00 lac 14.00 %(PLR+0.50) 14.25 %(PLR+0.50)
6. Above Rs.25.00 lac
Old CRA Model New CRA Model
SBH(AGR-1) SB1 & SB2 13.50%@(PLR) 13.75%@(PLR)
SBH(AGR-2) SB3 to SB5 14.25 %( PLR+0.75) 14.50 %( PLR+0.75)
SBH(AGR-3) SB6 & SB7 14.75 %( PLR+1.25) 15.00 %( PLR+1.25)
SBH(AGR- SB8 to SB16 15.00 %( PLR+1.50) 15.25 %( PLR+1.50)
4,5,6,7,8)

Annexure-2
Agriculture Term Loans
Rates applicable for term loans as repayable in 1- 3 years

S. Size of Credit Rates Revised rates

No w.e.f. w.e.f. 14.02.2011
05.01.2011
1 Up to Rs.50000/- 11.50 %( PLR- 11.75 %( PLR-
2.00) 2.00)
2 Above Rs.50000/- upto Rs.2.00 12.25 %( PLR- 12.50 %( PLR-
lacs 1.25) 1.25)
3 Above Rs.2.00 upto Rs.5.00 13.00 %( PLR- 13.25 %( PLR-
lacs 0.50) 0.50)
4. Above Rs.5.00 upto Rs.25.00 14.00 % 14.25 %
lacs ( PLR+0.50) ( PLR+0.50)
5. Above Rs.25.00 lacs :
 Old CRA Model New CRA
Model
A SBH(AGR-1)TL-1 SB1 & SB2 13.50% (@ PLR) 13.75% (@ PLR)
B SBH(AGR-2)TL-2 SB3 to SB5 14.25% 14.50%
(PLR+0.75) (PLR+0.75)
C SBH(AGR-3)TL-3 SB6 & SB7 14.75% 15.00%
( PLR+1.25) ( PLR+1.25)
SBH(AGR-4)TL- SB8 to 15.00% 15.25%
4,5,6,7,8 SB16 ( PLR+1.50) ( PLR+1.50)

Annexure – 2(a)
Agriculture Term Loans
Rates applicable for term loans as repayable in 3 years and above

S. Size of Credit Rates Revised rates

No w.e.f. w.e.f. 14.02.2011
05.01.2011
1 Upto Rs.50000/- 12.00% (PLR- 12.25% (PLR-
1.50) 1.50)
2 Above Rs.50000/- upto Rs.2.00 12.75% (PLR- 13.00% (PLR-
lacs 0.75) 0.75)
3 Above Rs.2.00 upto Rs.5.00 13.50 %(@ 13.75 %(@
lacs PLR) PLR)
4. Above Rs.5.00 upto Rs.25.00 14.50% 14.75%
lacs (PLR+1.00) (PLR+1.00)
5. Above Rs.25.00 lacs :
 Old CRA Model New CRA
Model

A SBH(AGR-1)TL-1 SB1 & SB2 14.00% 14.25%

( PLR+0.50) ( PLR+0.50)
B SBH(AGR-2)TL-2 SB3 to SB5 14.75% 15.00%
( PLR+1.25) ( PLR+1.25)
C SBH(AGR-3)TL-3 SB6 & SB7 15.25% 15.50%
( PLR+1.75) ( PLR+1.75)
SBH(AGR-4)TL- SB8 to 15.50% 15.75%
4,5,6,7,8 SB16 ( PLR+2.00) ( PLR+2.00)

Annexure – 3
PACS/FSCS
A. Crop Loans

Sl. Size of Credit Rates Revised rates

No. (For each individual w.e.f. 05.01.2011 w.e.f. 14.02.2011
borrower member as Bank to Society to Bank to Society to
fixed under IMBP vide Society members Society members
HO Cir No. AGR/2007-
08/19 dt. 03.09.2007)
1. Upto Rs.3,00,000/- 5.50% 7.00% No change No change
under interest
 subvention scheme(#)

(#)Up to Rs.3.00 lac under interest subvention scheme.(From the date of disbursement / drawal
upto the date of actual repayment or upto the due date fixed by the branch beyond which the
outstanding loan becomes overdue, whichever is earlier, subject to a maximum period of one
year.)

After the due date of repayment of the crop loans for which interest subvention scheme is
applicable & for the other loans which do not come under the purview of the interest
subvention Scheme, the Rate of Interest applicable is as under

Sl. Size of Credit Rates Revised rates

N (For each individual w.e.f. 05.01.2011 w.e.f. 14.02.2011
o. borrower member as Bank to Society to Bank to Society Society to
fixed under IMBP vide Society members members
HO Cir No. AGR/2007-
08/19 dt. 03.09.2007)
1. Upto Rs.50,000/- 9.00 %( PLR- 10.50% 9.25 %( PLR- 10.75%
4.50) 4.50)
2. Over Rs.50,000/- upto 10.00 %( PLR- 11.50% 10.25 %( PLR- 11.75%
Rs.2.00 lac
3.50) 3.50)
3. Over Rs.2.00 lac upto 10.75 %( PLR- 12.25% 11.00 %( PLR- 12.50%
Rs.3.00 lac 2.75) 2.75)
Note: In view of the interest subvention scheme, branches have to credit collection /
recoveries of the society to the same loan account of the season / year for which society
disbursed and recovered the loans from its members.
 Annexure – 4

PACS / FSCS
B. Agricultural Term Loans
Rates applicable for term loans as repayable in 1- 3 years

S. Size of Credit Rates Revised rates

N (For each individual i.e. 05.01.2011 weft. 14.02.2011
o. borrower member) Bank to Society Societ Bank to Society Society to
y to member
memb
er
1. Upto Rs.50000/- 10.00% (PLR- 11.50 10.25% (PLR- 11.75 %
3.50) % 3.50)
2 Above Rs.50000/- upto lac 10.75% (PLR- 12.25 11.00% (PLR- 12.50 %
Rs.2.00 lac 2.75) % 2.75)
3. Above Rs.2.00 lac upto 11.50% (PLR- 13.00 11.75% (PLR- 13.25 %
 Rs.5.00 lac 2.00) % 2.00)
4. Above Rs.5.00 lac upto 12.50% (PLR- 14.00 12.75% (PLR- 14.25 %
Rs.25.00 lac 1.00) % 1.00)

Annexure – 4(a)

Rates applicable for term loans as repayable in more than 3 years

S. Size of Credit Rates Revised rates

N (For each individual w.e.f. 05.01.2011 w.e.f. 14.02.2011
o. borrower member) Bank to Society Societ Bank to Society Society to
y to member
memb
er
1. Upto Rs.50000/- 10.50 % (PLR- 12.00% 10.75 % (PLR- 12.25%
3.00) 3.00)
2. Above Rs.50000/- upto lac 11.25 % (PLR- 12.75% 11.50 % (PLR- 13.00%
Rs.2.00 lac 2.25) 2.25)
3. Above Rs.2.00 lac upto 12.00 % (PLR- 13.50% 12.25% (PLR- 13.75%
Rs.5.00 lac 1.50) 1.50)
4. Above Rs.5.00 lac upto 13.00 % (PLR- 14.50% 13.25 % (PLR- 14.75%
Rs.25.00 lac 0.50) 0.50)
 Annexure – 5

Self Help Groups

Sl. Size of Credit Rates w.e.f. 05.01.2011 Revised rates w.e.f.

No 14.02.2011
1. Upto Rs.2.00 lac to 2.25 below BPLR 2.25 below BPLR
SHGs / VOs i.e.11.25% i.e.11.50%
2. Above Rs.2.00 lac to 1.25 below BPLR 1.25 below BPLR
SHGs / VOs i.e.12.25% i.e.12.50%

Annexure - 6
Scheme for financing Rural Housing – Gram Nivas

Period of loan Rates w.e.f. 05.01.2011 Revised rates w.e.f.

14.02.2011
Floatin Upto 5 years 10.50% (I.e.3.00 below BPLR) 10.75% (I.e.3.00 below
g Rate BPLR)
Above 5 10.50% (I.e.3.00 below BPLR) 10.75% (I.e.3.00 below
years & BPLR)
upto 15 years
Fixed Upto 5 years 13.50% 13.75%
Rate Above 5
years &
upto 15 years
 Annexure – 7
For loans against warehouse receipts

Rates w.e.f 05.01.2011 Revised rates w.e.f. 14.05.2011

AG Interest as applicable to crop loans
R which do not come under the
purview of Interest Subvention
Scheme i.e. as per Annexure - I.
C& As applicable to working capital
I finance.
Interest as applicable to crop loans
which do not come under the purview
of Interest Subvention Scheme i.e. as
per Annexure - I.
As applicable to working capital
finance

Annexure - 8
Produce Market Loans

Rates w.e.f. 05.01.2011 Revised rates w.e.f. 14.05.2011

Interest as applicable to crop loans Interest as applicable to crop loans
which do not come under the purview which do not come under the
of Interest Subvention Scheme i.e. as purview of Interest Subvention
per Annexure - I. Scheme i.e. as per Annexure - I.
 Annexure - 9

Gramin Bhandaran Yojana / Construction and running of storage facilities

S. Size of Credit Existing rates Revised rates

No w.e.f. w.e.f.
05.01.2011
Old CRA Model New CRA
Model
A SBH(AGR-1)TL-1 SB1 & SB2 11.50% ( PLR- 11.75% ( PLR-
2.00) 2.00)
B SBH(AGR-2)TL-2 SB3 to SB5 11.75% ( PLR- 12.00% ( PLR-
1.75) 1.75)
C SBH(AGR-3)TL-3 SB6 & SB7 11.75% ( PLR- 12.00% ( PLR-
1.75) 1.75)
SBH(AGR-4)TL- SB8 to SB16 15.25% 15.50%
4,5,6,7,8 (PLR+1.75) (PLR+1.75)