PDCC Bank Interest Rates

Interest Rates

Sr.No Tenure Period Rate Of Interest (% p.a.) w.e.f. 01-09-2017
1 7 days to 14 days
(single deposit of Rs 15 lakh and above.)
4.50%
2 15 days to 45 days 5.25%
3 46 days to 90 days 5.50%
4 91 days to 180 days 6.75%
5 181 days to less than 1 year 7.00%
6 1 year to less than 3 years 7.25%
7 3 years and above 7.00%
(Additional 0.50% interest rate will be given to senior citizens for 1 year and above)

Long Term Loan

Interest Rates

Sr.No Loan Type Bank Level Society Level
1 Upsa jalchinan, Poultry, Sheep, Buff low Rearing 10.25% 12.75%
2 Grape Farm, Rose (Composite Farm) Fruit Farm, Anjeer Plantation 11.25% 13.75%
3 Direct Term Loan 11.75% to 12.75%  

Medium Term Loan

Interest Rates

Sr.No Loan Type Bank Level Society Level
1 Tractor, Trailer, Harvester Purchase 11.75% 14.25%
2 Jeep/Car/Tempo/Mini Truck 11.75% 14.25%
3 Sidbi Loan 10.75% 13.25%
4 Farm House 11.75% 14.25%
5 Household gas, Well Repair, Pipeline, Oil Engine, Electric Motor, Gobar Gas, Land Repair, Buffalo etc 10.75% 13.25%
6 Upsa Jalsinchan 11.75 14.25%
7 Sugar Factory / Spinning Mill / Share Purchase 10.75% 13.25%
8 J.C.B./ Poklan 12.75% 15.25%
9 Cattle Rearing 10.75% 13.25%
10 I.R.D.P./S.G.S.Y.Direct 9.25% 11.75%
11 Silk Industry 10.75% 13.25%
12 Onion Storage, Thibak Sinchan 10.75% 13.25%
13 Latrine Direct 9% 10%
14 Two Wheeler through Society 10.75% 13.25%
15 Society PC Purchase 10.75%  
16 Earthworm Fertilizer 11.25%  
17 Rural Agri Tourism 10.75% 12.75%
18 Rural Godam Scheme 11% 13%
19 Rural Godam Scheme (Society) 11%  
20 Office Construction Scheme 11.25%  
21 On Receipt of Godam 10.75%  
22 Animal House, Subabul Plantation, Karale Mandap, Nilgari Tree Plantation, Spry Pump 10.75% 13.25%
23 Milk Society Milk Tester & Computer Weighing 11.25%  
24 Milking Machine / Machine to remove Waste 10.75% 13.25%
25 Sheep Rearing / Varah Palan 11.25% 13.75%
26 Project Finance (Agri & Other) 10.75% 13.25%
27 Self Employment / Unemployed 9.25% 10.25%
28 Poultry (Contract Farming 11.25% 13.75
29 Green / Poly House 11.25% 13.75%
30 Grape Farm (Water Purchase) 9.25% 10.25%

Short term Loan

Interest Rates

Sr.No Loan Type Bank Level Society Level
1 Big Landholder Member 4% 6%
2 Small Landholder Member 4% 6%
3 Overdue Interest 8% + 1% penalty 11% + 1% penalty
4 Overdue Interest above Rs.3.00 lac loan 8% 11%
5 Big Landholder Conversion Loan As per Ref.No.Agri Loan/4735 na
6 Small Landholder Conversion Loan As per Circular dated 5-1-2015 na

Non Agriculture Loan

(A) Individual Loan

Sr.No Loan Type Interest
1 Individual Salary Earner Cash Credit 11.50%
2 Hire Purchase 11.50%
3 Educational Loan / Flat Purchase / House Construction 10.25%
4 Gold Loan 11.00%
Sr.No Loan Type Interest
1 Individual upto Rs.2.00 lac 11.00%
2 Individual above Rs.2.00 lac 12.00%
3 Educated unemployed Entrepreneur 10.50%
4 Agro Clinic 10.25%

C) Non-Agri Loan

Sr.No Loan Type Interest
1 Hypothecation Non Agri Loan 12.00%
2 Mortgage 12.50%
3 Pledge Non Agri Loan 11.50%
4 Term Loan, Hundi 12.00%
5 Mortgage Sugar Factory 12.50%
6 Hypothecation Sugar Factory 12.00%
7 Pledge Sugar Factory 11.00%
8 Sugar Preshipment upto 180 days 10.25%
Sr.No Loan Type Interest
9 Sugar Preshipment from 181 days to 270 days 11.00%
10 Set Aside, Irregular Pledge Loan, Inadequate loan 12.50%
11 All Types of Temporary Loans 12.00%
12 All Types of Middle Term Loan 11.50%
13 Short Margin 2% & Overdue Loan 1%  
14 Salary Earners Society Term Loan & Cash Credit 11.00%
15 Urban Co-operative Societies Term Loan 12.00%
16 Co-operative Bank Term Loan / Cash Credit 11.00%
17 Rural Artizian Scheme (Short Term / Medium Term) 10.00%
18 Transport Societies Loan 11.00%
19 Sell Purchase Sangh Term Loan 11.00%
20 Traders Cash Credit 12.00%
21 Employee Cash Credit 10.25%
22 S.G.S.Y. 7.00%
23 Self Help Group 8.00%
24 Self Help Group Cash Credit 8.00%
25 Commercial / Private Vehicle (3 /4 Tyre) 11.50%
26 Medium Term Vehicle Loan 11.50%
27 Employee Computer Loan 10.25%
28 Loan Against N.S.C.Certificate 10.25%
29 Loan Against FD (Ind / Society) FD Loan + 2%
30 Agro Clinic 10.25%
31 Long Term Office Rent 11.00%
32 Self Help Group Cash Credit 11.00%
32 Loan Term Agri Income Bazar Simiti 11.00%

(D) Cash Credit Loan For Agriculture & Non-Agriculture Societies

Sr.No Loan Type Interest
1 Clean 12.50%
2 Hypothecation 12.00%
3 Pledge 11.50%
4 Term Loan 12.00%
5 Bill Finance 12.00%

(E) Sugar Factories/Processing Units

Sr.No Loan Type Interest
1 Pledge  
  For New Season Loans (1 Nov to 30 Jun) 10.50%
  For New Season Loans (1 July to 31 Oct) 10.75%
  For Old Season Loans 10.75%
2 Hypothecation 13.00%
3 Clean (Pre seasonal) 13.50%
4 Medium Term Loan 12.00%
5 Godown Loan 11.00%
6 F.R.P. Loan - 2014 12.00%
7 Soft Loan - 2015 12.00%

(F)Salary Earner Societies

Sr.No Loan Type Interest
1 Term Loan 11.00%
2 Cash Credit 11.00%

(G)Urban Credit Co-operative Societies

Sr.No Loan Type Interest
1 Term Loan 12.00%

(H)Co-operative Banks

Sr.No Loan Type Interest
1 Term/Cash Credit Loan 11.00%

(I)Artizen Loan

Sr.No Loan Type Interest
1 Short/Medium Term Loan 10.00%

(J)Transport Societies

Sr.No Loan Type Interest
1 Clean/Medium Term Loan 12.50%

(K)Companies, Societies, Firms Other than Sugar Factories & Co-operative Societies

Sr.No Loan Type Interest
1 Short/Medium Term Loan 12.50%

(L)Kharedi-Vikri Sangh

Sr.No Loan Type Interest
1 Medium Term Loan 11.00%

(M)Individual Loans - Short Term

Sr.No Loan Type Interest
1 Gold Loan 11.00%
2 Individual Salary Earner Cash Credit 11.50%
3 Personal Loan (Higher Purchase) 11.50%
4 Educational Loan 10.25%
5 Flat Purchase/Construction Loan 10.25%
6 Cash Credit Loan (Traders) 12.00%
7 Staff Cash Credit 10.25%
8 Overdraft Against National Saving Certificate 11.50%

(N)Self Help Group

Sr.No Loan Type Interest
1 Loans For Below Poverty Level Groups Under S.G.S.Y. Scheme 07.00%
2 General Loan 08.00%

(O)Medium Term Loans

Sr.No Loan Type Interest
1 Two Wheeler Loan 11.50%
2 Educational Loan 10.25%
3 Overdraft Against National Saving Certificate 12.00%
4 Over Draft (Individual/Societies) - 2% More Rate on Fixed Deposits Interest -
5 Commercial/Personal Vehicle Purchase(3/4 Wheeler) 11.50%

(P)Non-Farm Sector

Sr.No Loan Type Interest
1 General Loans  
  I)Upto 2.00 Lakh 11.00%
  II)Above 2.00 Lakh 12.00%
2 Loan for Educated Unemployed 11.50%
3 Agro Clinic 10.25%

(Q)Long Term Loans

Sr.No Loan Type Interest
1 Agriculture Produce Market Committee 11.00%
2 Flat Purchase/Construction Loan 11.00%


GOLD LOAN

So instead of keeping that gold jewellery, coins, bars or biscuits lying ideal in your locker, you sure could use them to meet those cash contingencies.

Calculate EMI calculator

InvestMoney

AccessOnline

Security& Privacy