Interest Rate
FD Interest Rate
| Tenure | Public Interest Rate (%) | Senior Citizen Interest Rate (%) |
|---|---|---|
| 15 days to 45 days | 5.00% | 5.5% |
| 46 days to 90 days | 5.5% | 6% |
| 91 days to 180 days | 6.00% | 6.50% |
| 180 days to 364 days | 7.0% | 7.5% |
| 1 year to 5 year | 7.15% | 7.65% |
| Above 5 year | 7.25% | 7.75% |
Gold Loan Schemes
| Loan Type | Interest Rate (%) |
|---|---|
| GOLD LOAN RT | 9.75 |
| GOLD LOAN JYOTHI | 9.6 |
| ALLIED AGI GOLD | 9.5 |
| GOLD LOAN PLUS | 10 |
| SUVARNA SRI EMI | 10 |
Loans Against Deposits
| Loan Type | Interest Rate (%) |
|---|---|
| FD LOAN | 9 |
| OD AGAINST FD | 13 |
Demand Credit Loans (DCL)
| Scheme | Interest Rate (%) |
|---|---|
| DCL Secured | 12% |
| DCL Unsecured | 13% |
| DCL Gold | 11% |
Consumer Loans & Surety Loans
| Loan Type | Interest Rate (%) |
|---|---|
| CONSUMER LOAN SURETY | 14 |
| Consumer Loan Property | 14 |
| PSTA SECURED SURETY | 14 |
| PSTA PROPERTY EMI | 13.5 |
| PSTA SURETY | 14 |
| PSTA SURETY EMI | 13.5 |
| ORDINARY LOAN | 14 |
| ORDINARY LOAN EMI | 13.5 |
| teachers and salarIED EMPLOY LOAN | 14 |
Business Loans
| Loan Type | Interest Rate (%) |
|---|---|
| SMALL BUSINESS LOAN | 11.5 |
| SMALL BUSINESS | 13 |
| PRF AND self EMPLOYMENT | 13 |
| Industrial Loan | 13 |
| DHANASREE KUDUMBASREE | 11 |
Vehicle Loans
| Loan Type | Interest Rate (%) |
|---|---|
| VEHICLE LOAN EMI | 13.5 |
| Private vehicle loan | 14 |
Housing and Property Loans
| Loan Type | Interest Rate (%) |
|---|---|
| BHAVANASREE | 11 |
| Housing Loan | 11 |
| SWAPNA BHOOMI | 11.5 |
| PSTA PROPERTY EMI | 13.5 |
| PSTA PROPERTY | 13 |
Special Schemes
| Loan Type | Interest Rate (%) |
|---|---|
| PERSONAL OD | 13 |
| CASH CREDIT | 13 |
| AGRICULTUREAL LOAN | 11 |
| GOLD OD | 10 |
| STUDY LOAN | 13 |
| SURYAKIRAN | 9.5 |
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Kottayam Urban Bank is registered with DICGC
