State Bank of Hyderabad

Agricultural Banking Dept

Head Office: Hyderabad.
Annexure – I

AGRICULTURAL ADVANCES – INTEREST RATES

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

Sl Size of Credit Rates Revised Rates

No w.e.f. 14.02.2011 w.e.f. 06.05.2011
1 Up to Rs.3.00 lac under interest subvention For crop loans up to a For crop loans up to a limit of
scheme.(From the date of disbursement / drawal limit of Rs.3.00 lac rate of Rs.3.00 lac rate of interest is
upto the date of payment or upto the date interest is fixed at 7.00% fixed at 7.00% p.a. by RBI/
beyond which the outstanding loan becomes p.a. by RBI/ Govt. of Govt. of India under interest
overdue whichever is earlier subject to a India under interest subvention scheme
maximum period of one year) subvention scheme
After the due date of repayment of the crop loan for which interest subvention scheme is applicable &
for the other loans which do not come under the purview of the interest subvention Scheme, rate of
Interest applicable is as under
1. Upto Rs.50,000/- 10.50 %( BR+1.50) 11.00 %( BR+1.50)
2. Above Rs.50000/- upto Rs.2.00 lac 11.50 %( BR+2.50) 12.00 %( BR+2.50)
3. Above Rs.2.00 lac upto Rs. 3.00 lac 12.25 %( BR+3.25) 12.75 %( BR+3.25)
4. Above Rs.3.00 upto Rs.5.00 lac 13.00 %( BR+4.00) 13.50 %( BR+4.00)
5. Above Rs.5.00 upto Rs.25.00 lac 14.00 %( BR+5.00) 14.50 %( BR+5.00)
6. Above Rs.25.00 lac
Old CRA Model New CRA Model
A. SBH(AGR-1) SB1 & SB2 13.50 %( BR+4.50) 14.00 %( BR+4.50)
B. SBH(AGR-2) SB3 to SB5 14.25 %( BR+5.25) 14.75 %( BR+5.25)
C. SBH(AGR-3) SB6 & SB7 14.75 %( BR+5.75) 15.25%( BR+5.75)
D. SBH(AGR-4) SB8 & SB9 15.00 %( BR+6.00) 15.50 %( BR+6.00)
E. SBH(AGR-5,6,7,8) SB10 to SB16 15.00 %( BR+6.00) 15.50 %( BR+6.00)
 Annexure-2

Agriculture Term Loans

Rates applicable for term loans as repayable in 1 year up to less than 3 years

S.No Size of Credit Rates w.e.f. 14.02.2011 Revised Rates

w.e.f. 06.05.2011
1. Upto Rs.50000/- 11.50 %( BR+2.50) 12.00 %( BR+2.50)
2. Above Rs.50000/- upto Rs.2.00 lacs 12.25 %( BR+3.25) 12.75 %( BR+3.25)
3. Above Rs.2.00 upto Rs.5.00 lacs 13.00 %( BR+4.00) 13.50 %( BR+4.00)
4. Above Rs.5.00 upto Rs.25.00 lacs 14.00 %( BR+5.00) 14.50 %( BR+5.00)
5. Above Rs.25.00 lacs :
Old CRA Model New CRA Model
A. SBH(AGR-1)TL-1 SB1 & SB2 13.50 %( BR+4.50) 14.00%( BR+4.50)
B. SBH(AGR-2)TL-2 SB3 to SB5 14.25 %( BR+5.25) 14.75%( BR+5.25)
C. SBH(AGR-3)TL-3 SB6 & SB7 14.75 %( BR+5.75) 15.25%( BR+5.75)
D. SBH(AGR-4)TL-4,5,6,7,8 SB8 to SB16 15.00 %( BR+6.00) 15.50%( BR+6.00)

Rates applicable for term loans as repayable in 3 years and above

S.No Size of Credit Rates w.e.f. 14.02.2011 Revised Rates

w.e.f. 06.05.2011
1. Upto Rs.50000/- 12.00 % (BR+3.00) 12.50 % (BR+3.00)
2. Above Rs.50000/- upto Rs.2.00 lacs 12.75 % (BR+3.75) 13.25 % (BR+3.75)
3. Above Rs.2.00 upto Rs.5.00 lacs 13.50 %( BR+4.50) 14.00 %( BR+4.50)
4. Above Rs.5.00 upto Rs.25.00 lacs 14.50 % (BR+5.50) 15.00 % (BR+5.50)
5. Above Rs.25.00 lacs :
Old CRA Model New CRA Model
A. SBH(AGR-1)TL-1 SB1 & SB2 14.00 %( BR+5.00) 14.50 %( BR+5.00)
B. SBH(AGR-2)TL-2 SB3 to SB5 14.75 %( BR+5.75) 15.25 %( BR+5.75)
C. SBH(AGR-3)TL-3 SB6 & SB7 15.25 %( BR+6.25) 15.75 %( BR+6.25)
D. SBH(AGR-4)TL-4,5,6,7,8 SB8 to SB16 15.50 %( BR+6.50) 16.00 %( BR+6.50)
 Annexure – 3
PACS/FSCS

A. Crop Loans
Sl. Size of Credit Rates Revised Rates
No w.e.f. 14.02.2011 w.e.f. 06.05.2011
Bank to Society Society to Society to members Bank to
members Society
Upto Rs.3,00,000/- 5.50% 7.00% 5.50% 7.00%
under interest
subvention scheme(#)
(#) (From the date of disbursement / drawal upto the date of payment or upto the date 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
No w.e.f. 14.02.2011 w.e.f. 06.05.2011
Bank to Society Society to Bank to Society Society to
members members
1. Upto Rs.50,000/- 9.00 %( @ BR ) 10.50% 9.50 %( @ BR ) 11.00%
2. Over Rs.50,000/- upto 10.00 %( BR+1.00) 11.50% 10.50 %( BR+1.00) 12.00%
Rs.2.00 lac
3. Over Rs.2.00 lac upto 10.75 %( BR+1.75) 12.25% 11.25 %( BR+1.75) 12.75%
Rs.3.00 lac
 Annexure – 4

PACS / FSCS

B. Agricultural Term Loans

Rates applicable for term loans as repayable in 1 year up to less than 3 years

S. Size of Credit Rates w.e.f. 14.02.2011 Revised Rates

No. (For each individual borrower member) w.e.f. 06.05.2011
Bank to Society Society to Bank to Society Society to
member member
1. Upto Rs.50000/- 10.00% (BR+1.00) 11.50 % 10.50% (BR+1.00) 12.00 %
2. Above Rs.50000/- upto lac Rs.2.00 lac 10.75% (BR+1.75) 12.25 % 11.25% (BR+1.75) 12.75 %
3. Above Rs.2.00 lac upto Rs.5.00 lac 11.50% (BR+2.50) 13.00 % 12.00% (BR+2.50) 13.50 %
4. Above Rs.5.00 lac upto Rs.25.00 lac 12.50% (BR+3.50) 14.00 % 13.00% (BR+3.50) 14.50 %

Rates applicable for term loans as repayable in 3 years and above

S. Size of Credit Rates w.e.f. 14.02.2011 Revised Rates

No. (For each individual borrower member) w.e.f. 06.05.2011
Bank to Society Society to Bank to Society Society to
member member
1. Upto Rs.50000/- 10.50 % (BR+1.50) 12.00% 11.00 % (BR+1.50) 12.50%
2. Above Rs.50000/- upto lac Rs.2.00 lac 11.25 % (BR+2.25) 12.75% 11.75 % (BR+2.25) 13.25%
3. Above Rs.2.00 lac upto Rs.5.00 lac 12.00 % (BR+3.00) 13.50% 12.50 % (BR+3.00) 14.00%
4. Above Rs.5.00 lac upto Rs.25.00 lac 13.00 % (BR+4.00) 14.50% 13.50 % (BR+4.00) 15.00%
 Annexure – 5

Self Help Groups

Sl. Size of Credit Rates w.e.f. 14.02.2011 Revised Rates

No w.e.f. 06.05.2011
1. Upto Rs.2.00 lac to SHGs / VOs 11.25%(BR+2.25) 11.75%(BR+2.25)
2. Above Rs.2.00 lac to SHGs / VOs 12.25%(BR+3.25) 12.75%(BR+3.25)

Annexure - 6
Scheme for financing Rural Housing – Gram Nivas

Period of loan Rates w.e.f. 14.02.2011 Revised Rates

w.e.f. 06.05.2011
Floating Rate Up to 5 years 10.50%(BR+1.50) 11.00%(BR+1.50)
Above 5 years &up to 15 years
Fixed Rate Up to 5 years 13.50%(BR+4.50) 14.00%(BR+4.50)
Above 5 years &up to 15 years
 Annexure – 7
For Loans against Warehouse Receipts/ Produce Market Loans

Sl Size of Credit Against Warehouse Against Warehouse Against Warehouse Against Warehouse
No Receipts issued by Receipts issued by Receipts issued by Receipts issued by
Central/State/ NBHC Ltd Central/State/ Private NBHC Ltd
Private Warehouses Existing Rates Warehouses Rvised Rates w.e.f.
Existing Rates w.e.f. 27.01.2011 Revised Rates w.e.f. 06.05.2011
w.e.f. 27.01.2011 06.05.2011
1. Upto Rs.50,000/- 10.00% 10.75% No change No change
2. Above Rs.50000/- upto Rs.2.00 lac 10.00% 10.75% No change No change
3. Above Rs.2.00 lac upto Rs. 3.00 lac 10.00% 10.75% No change No change
4. Above Rs.3.00 upto Rs.5.00 lac 10.00% 10.75% No change No change
5. Above Rs.5.00 upto Rs.10.00 lac 10.00% 10.75% No change No change

Annexure -8
Gramin Bhandaran Yojana / Construction and running of storage facilities

S.No Size of Credit Rates w.e.f. 14.02.2011 Revised Rates

w.e.f. 06.05.2011
Old CRA Model New CRA Model
A. SBH(AGR-1)TL-1 SB1 & SB2 12.00 %( BR+3.00) 12.50 %( BR+3.00)
B. SBH(AGR-2)TL-2 SB3 to SB5 12.25 %( BR+3.25) 12.75 %( BR+3.25)
C. SBH(AGR-3)TL-3 SB6 & SB7 12.25 %( BR+3.25) 12.75 %( BR+3.25)
D. SBH(AGR-4)TL-4,5,6,7,8 SB8 to SB16 15.25 %( BR+6.25) 15.75 %( BR+6.25)
 Annexure-9
General Credit Card

Size of Credit Rates w.e.f. 14.02.2011 Revised Rates

w.e.f. 06.052011

Up to Rs.25,000/- 14.75 %( BR+5.75) 15.25 %( BR+5.75)

Annexure-10

Dairy Agent Plus

Sl Size of Credit Rates Revised Rates

No w.e.f. 14.02.2011 w.e.f. 06.05.2011
1. Upto Rs.50,000/- 10.50 %( BR+1.50) 11.00 %( BR+1.50)
2. Above Rs.50000/- upto Rs.2.00 lac 11.50 %( BR+2.50) 12.00 %( BR+2.50)
3. Above Rs.2.00 lac upto Rs. 3.00 lac 12.25 %( BR+3.25) 12.75 %( BR+3.25)