Interest Rates on Loans and Advances

The Interest Rates on Loans and Advances have been revised w.e.f. 08.04.2024

SL.NO NAME OF THE SECTOR INTEREST RATE (% p.a)
1 Agri. Crop Loans (Kisan Credit Cards) up to Rs.3.00 lakhs Incl LEC/JLG KCC 7.00
2 Kisan Credit Card Above Rs.3.00 lakhs (Incl LEC) Card Rate  
      Up to Rs.50,000/- Card Rate 10.50
      Above Rs.50,000/- to Rs.2.00 lakhs Card Rate 11.00
      Above Rs.2.00 lakhs Card Rate 11.00
3 Saptagiri KCC Gold Loan Plus 7.00
4 Kisan Credit Card Fish Feed 11.00
5 KCC Animal Husbandry up to Rs.2.00 lakhs- Subvention 7.00
6 KCC Fisheries up to Rs.2.00 lakhs - Subvention 7.00
7 Agri. Tractor Loans 11.25
8 Agri. Term Loans 11.25
9 Tractor Loans under Tie-up with TAFE Ltd 10.00
10 Allied Activities Term Loans 11.60
11 MSME Loans (Retail/Small Business/SSI/PSE/SRTO/Mudra Loans) 11.75
12 J.L.Gs Agri. Crop Loans 11.25
13 J.L.Gs Agri. Term Loans/ AATL 11.60
14 J.L.Gs Non-Farm sector 12.00
15 Self Help Group Loans (SHG) NRLM Rural Women- Agri and Non-Agri  
      Up to Rs.3.00 lakhs 7.00
      Above Rs.3.00 lakhs to Rs.5.00 lakhs 10.00
      Above Rs.5.00 lakhs to Rs.20.00 lakhs 13.25
16 Self Help Group Loans (SHG) Urban/ PHC Mixed-Gender  
      Up to Rs.3.00 lakhs 9.50
      Above Rs.3.00 lakhs 13.25
17 Farmer Produce Group 11.25
18 Saptagiri Raithu Bandu Jewel Loan (SRBJL)  
      Upto Rs.2.00 lakhs 9.75
      Above Rs.2.00 lakhs-10.00 lakhs 9.75
      Above Rs.10.00 lakhs-20.00 lakhs 10.25
19 Abyudaya Bhavitha Cheyutha Jewel Loan (ABC JL) - for BC beneficiaries
Agricultural purpose Upto Rs.2.00 lakhs 9.75 / 7.00-8.00
Above Rs.2.00 lakhs and upto Rs.5.00 lakhs 9.75 / 8.00
Non Agricultural Purpose Upto Rs.2.00 lakhs 9.75 / 7.00-8.00
Above Rs.2.00 lakhs and upto Rs.5.00 lakhs - EMI 10.25 / 8.00
20 Dheena Bandhu Jewel Loan (DB JL) for SC beneficiaries
      upto Rs.2.00 lakhs		 9.75 / 8.00
21 Non Farm Sector/Other Priority Sector Jewel Loan (NFS JL) 9.75
22 Non Priority Sector Jewel Loan (NPS JL)
      Upto Rs.2.00 lakhs 10.25
      Above Rs.2.00 lakhs - Monthly Interest Servical 10.25
23 a. Saptagiri Swagruha Housing Loan upto Rs.25.00 lakhs
CIBIL Score 800 and above 8.95
From 750 - 799 9.15
From 700 - 749 9.25
From 650 – 699 or -1 or No Credit History 9.35
b. Saptagiri Swagruha Housing Loan above Rs.25.00 lakhs to Rs.75.00 lakhs
CIBIL Score 800 and above 8.95
From 750 - 799 9.15
From 700 - 749 9.25
From 650 – 699 or -1 or No Credit History 9.35
c. Saptagiri Swagruha Housing Loan above Rs.75.00 lakhs
CIBIL Score 800 and above 9.45
From 750 - 799 9.65
From 700 - 749 9.75
From 650 – 699 or -1 or No Credit History 9.85
24 Saptagiri Plot Loan Scheme 10.35
25 Saptagiri Saral Housing Loan
CIBIL Score 800 and above 9.95
From 750 - 799 10.15
From 700 - 749 10.25
From 650 – 699 or -1 or No Credit History 10.35
26 SGB Home Loan Plus 10.65
27 Housing Loans [Renovations] 10.90
28 Project loan /Commercial buildings 11.50
29 Housing loans under Commercial Real Estate (CRE) exposure  
      Up to Rs.75.00 lakhs 10.25
      Above Rs.75.00 lakhs 10.50
30 L A M P (Loan Against Mortgage of Property) 11.85
31 PMAY (U)- EWSAHPNTR NAGAR/A.P TIDCO 8.50
32 PMFME Scheme- Group/Individual 11.75
33 PM Weavers Mudra Scheme 13.00
34 PMJDY OD 12.00
35 YSR Cheyutha 12.00
36 YSR Cheyutha Animal Husbandry 12.00
37 Jagananna Thodu 13.50
38 SGB PM SVANidhi-1.0/2.0/3.0 Tranches 13.50
39 SGB Vehicle loan New Products 8.95
40 SGB Vehicle loan USED 10.45
41 Loan for purchase of Van / Bus to Educational Institutions 11.75
42 Saptagiri Two Wheeler Loan Scheme ( Two wheeler ) 10.50
43 SGB Kisan Bike Loan Scheme New ( Two wheeler ) 10.00
44 Saptagiri Milk Vendors Loan Scheme Term Loan (for purchase of Two wheeler/ Three Wheeler Autos/Four Wheeler Autos) 10.00
45 Saptagiri Milk Vendors Loan Scheme- SOD 10.00
46 Secured Over Draft (SOD) 12.00
47 General Credit Card 11.75
48 Swarojgar Credit Card and SCC for Artisans 11.75
49 OCC- General Public 11.75
OCC- General Public- Non-Priori50 12.00
50 CLEAN LOANS- Salaried 12.00
51 CLEAN LOANS- With Post Dated Cheques 12.25
52 SGB Pension Loan 12.00
53 Educational Loans 9.60-10.60
54 PMEGP OD/Term Loan 12.00
55 SHG Indiramma Bridge Loan 13.00
56 SGB Agri Infra Fund up to Rs.2.00 Crores 9.00
Above Rs.2.00 Crores 13.50
57 Loans against Deposits(Customers) Dep Rate+ 2.00
58 Loans against NSC/KVP/LIC Policies -Term Loan 13.50
59 SGB Tradewell Scheme- OD 12.50
60 SGB Tradewell Scheme- OCC / Term loan 12.00
61 SGB Doctor Plus Working Capital / Term loan 12.00
62 PM Vishwakarma loans 13.00
63 SGB Premises loan 10.00

The products listed above are of Indicative purpose and Interest rates of the Products not listed above remains unchanged.

Designed by Yaswanth Gupta Bondada & Raghav Vellore