Advances1

Rate Of Interest On Term Advance

Gujarat Gramin Bank - Rate of Interest
Bank's BPLR (Benchmark Prime Lending Rate) : 9.30% with its effective date is : 01-05-2025.
Type Sr. No. Scheme Name Parameters Rate of Interest (% per annum)
Agriculture Loans 1 Kisan Credit Card (Crop Loan) Up to Rs.3,00,000/- and Financing marketing of Crops against Pledge of Agriculture Produce / Stock to farmers (with reference to modified Interest Subvention scheme of GoI for Short Term Loans)
2 Cash Credit (Crop Loan) / Cash Credit (Agriculture) Up to Rs. 3,00,000/- 1.70% above BPLR i.e. 11.00
Above Rs. 3,00,000/- to Rs. 5,00,000/- 2.20% above BPLR i.e. 11.50
Abov Rs. 5,00,000/- 2.70% above BPLR i.e. 12.00
3 Kisan Tatkal 2.70% above BPLR i.e. 12.00
4 Agriculture Term Loan Up to Rs. 3 Lakhs 2.20% above BPLR i.e. 11.50
Above Rs. 3 Lakhs to Rs. 10 2.45% above BPLR i.e. 11.75
Above Rs. 10 Lakhs 2.60% above BPLR i.e. 11.90
5 Car Loan to Farmer Based on CIBIL Score:
800 and Above 0.55% below BPLR i.e. 8.75
771 to 799 0.30% below BPLR i.e. 9.00
726 to 770 0.20% below BPLR i.e. 9.10
701 to 725 0.10% below BPLR i.e. 9.20
675 to 700 0.10% above BPLR i.e. 9.40
650 to 674 0.20% above BPLR i.e. 9.50
(-1) 0.20% below BPLR i.e. 9.10
6 Two Wheeler to Farmers 3.00% above BPLR i.e. 12.30
7 Overdraft to Agro based and Agro processing Unit Rating
A+ 1.50% above BPLR i.e. 10.80
A 2.25% above BPLR i.e. 11.55
A(-) 3.00% above BPLR i.e. 12.30
B 3.75% above BPLR i.e. 13.05
C 4.50% above BPLR i.e. 13.80
D* 5.00% above BPLR i.e. 14.30
E* 5.50% above BPLR i.e. 14.80
The Proposal Having Rating D & E to be reffered to Next Authority for decision.
8 Loan for Agro based and Agro processing units
Collateral Security:
Below 50% 0.35% above BPLR i.e. 9.65
Above 50% to 100% 0.10% above BPLR i.e. 9.40
Above 100% 0.15% below BPLR i.e. 9.15
9 Financing to Joint Liability Groups (Farm Sector) 3.15% above BPLR i.e. 12.45%
10 Loan against Bank's Own Deposit (Agriculture) Category RoI
General Customer / Senior Citizen 1.00% above Deposit Rate
Against the Secuirty of Third Party 2.00% above Deposit Rate or 10.00% whichever is higher
11 GGB Agri end use & Agri hiring Tractor Loan Scheme 4.50% above BPLR i.e. 13.80%
12 GGB Agri cum Commercial end use Tractor Loan Scheme 4.00% above BPLR i.e. 13.30%
13 Government Sponsored Agriculture Loan limit up to Rs. 3.00 Lakhs 2.50% above BPLR i.e. 10.80%
Loan limit above Rs. 3.00 Lakhs 2.75% above BPLR i.e. 11.05%
14 Financing of units for construction / renovation / expansion of Storage facilities 3.50% above BPLR i.e. 12.80 %
15 Gold Loan (Agriculture) 0.30% below BPLR i.e. 9.00
Retail Loans 16 Housing Loan for General Public Based on CIBIL Score: Up to Rs. 15 Lakhs
800 and above 0.55% below BPLR i.e. 8.75
771 to 799 0.55% below BPLR i.e. 8.75
751 to 770 0.45% belwo BPLR i.e. 8.85
726 to 750 0.30% below BPLR i.e. 9.00
701 to 725 0.20% below BPLR i.e. 9.10
Less than 701 0.80% above BPLR i.e. 10.10
(-1) 0.20% below BPLR i.e 9.10
Based on CIBIL Score: Above Rs. 15 Lakhs
800 and above 1.15% below BPLR i.e. 8.15
771 to 799 0.95% below BPLR i.e. 8.35
751 to 770 0.95% belwo BPLR i.e. 8.35
726 to 750 0.70% below BPLR i.e. 8.60
701 to 725 0.50% below BPLR i.e. 8.80
Less than 701 0.80% above BPLR i.e. 10.10
(-1) 0.50% below BPLR i.e. 8.80
17 Additional Assured Advance 0.70% above applicable rate of linked housing loan
18 Car Loan (Public) Based on CIBIL Score:
800 and Above 0.55% below BPLR i.e. 8.75
771 to 799 0.30% below BPLR i.e. 9.00
726 to 770 0.20% below BPLR i.e. 9.10
701 to 725 0.10% below BPLR i.e. 9.20
675 to 700 0.10% above BPLR i.e. 9.40
650 to 674 0.20% above BPLR i.e. 9.50
(-1) 0.20% below BPLR i.e. 9.10
19 Advance Against Property (Individual) CIBIL SCORE
800 and above 0.75% above BPLR i.e. 10.05
760 to 799 0.90% above BPLR i.e. 10.20
725 to 759 1.10% above BPLR i.e. 10.40
675 to 724 1.40% above BPLR i.e .10.70
below 675 up to 650 2.40% above BPLR i.e 11.70
(-1) 1.40% above BPLR i.e 10.70
20 Mortgage Loan (Non-individual) Margin Above 50% 1.00% above BPLR i.e 10.30
Margin up to 50% 1.50% above BPLR i.e 10.80
21 Personal Loan Salary A/c with our Bank Salary with other Bank / Non-salaried
CIBIL Score: 701 and above & (-1) : 1.55% above BPLR i.e.10.85%
Below 701 : 3.50% above BPLR i.e. 12.80%		 CIBIL Score: 701 and above & (-1) : 1.55% above BPLR i.e. 11.35%
Below 701 : 3.50% above BPLR i.e. 12.80%
22 Government Employee Salary Account As Per Scheme Guidelines issued from time to time
23 Loan Against Future Rent Receivables For Land Lords of Bank premises/ Office 1.00% above BPLR i.e 10.30
For Others 1.50% above BPLR i.e 10.80
24 Two Wheeler & Consumer Durable (General Public) 2.20% above BPLR i.e. 12.50
25 Education Loan (All Segments) Collateral Security Free 2.70% above BPLR i.e. 12.00
Collateral Security up to 50% 1.70% above BPLR i.e. 11.00
Collateral Security above 50% 1.20% above BPLR i.e. 10.50
(Education loan for Girls student, 0.50% concession in the interest rate to be allowed )
26 Education / Car / Housing loan to PWDs under NDFDC scheme As per guidelines issued by NDFDC from time to time
27 Suvidha Personal Loan CIBIL Score
701 & above (-1) 1.55% above BPLR i.e. 10.85
Less than 701 2.05% above BPLR i.e. 11.35
28 Personal loan to aanganwadi workers CIBIL Score: 701 and above & (-1) : 1.55% above BPLR i.e.10.85%
Below 701 : 3.50% above BPLR i.e. 12.80%
29 Personal loan to Pensioners For Retired Employees of our Bank / their Family Pensioners: For others:
0.70% above BPLR i.e. 10.00 2.70% above BPLR i.e. 12.00
30 Gold Loan (Retail) 0.20% below BPLR i.e. 9.10
MSME 31 Aarogyadham Loan Scheme 0.20% abobe BPLR i.e. 9.50
32 Small Road Transport Operators 2.00% above BPLR i.e. 11.30%
33 Loans to MSME (Other than SRTO / Arogyadham) Up to Rs.25,00,000/- 0.90% above BPLR i.e. 10.20
Above Rs. 25,00,000/- to Rs. 1,00,00,000/-
( Rating A+) 0.90% above BPLR i.e. 10.20
( Rating A) 0.95% above BPLR i.e. 10.25
( Rating A-) 1.00% above BPLR i.e. 10.30
( Rating B) 1.05% above BPLR i.e. 10.35
( Rating C) 1.10% above BPLR i.e 10.40
( Rating D) 3.50% above BPLR i.e. 12.80
( Rating E) 4.30% above BPLR i.e. 13.80
Above Rs. 1,00,00,000/-
( Rating A+) 0.90% above BPLR i.e. 9.30
( Rating A) 0.10% above BPLR i.e.9.40
( Rating A-) 0.20% above BPLR i.e. 9.50
( Rating B) 0.30% above BPLR i.e. 9.60
( Rating C) 0.70% above BPLR i.e 10.00
( Rating D) 1.10% above BPLR i.e. 10.40
( Rating E) 1.50% above BPLR i.e. 10.80
34 OD against land and building to MSMEs Security Margin above 50% 1.00% above BPLR i.e. 10.30
Security Margin up to 50% 1.50% above BPLR i.e. 10.80
35 Traders Loan BGTL-1 to 4 (above 80%) At par BPLR i.e. 9.30
BGTL 5 to 6 (Above 50% to 80%) 0.50% above BPLR i.e. 9.80
BGTL Below 6 (Below 50%) 1.80% above BPLR i.e. 11.10
36 Financing to BC / MUDRA Loan / Artisan Credit Card Category:
SHISHU ( up to Rs.50,000/-) 0.70 % above BPLR i.e.10.00
KISHORE ( from Rs. 50,001/- to Rs.5,00,000/-) 1.70 % above BPLR i.e.11.00
TARUN ( from Rs. 5,00,001/- to Rs.10,00,000/-) 2.70 % above BPLR i.e. 12.00
TARUN+ (Above Rs. 10,00,000/- to Rs. 20,00,000/-) 2.70 % above BPLR i.e. 12.00
37 Financing to SHGs up to Rs. 3 Lakhs 7.00%*
Above Rs. 3 Lakhs to Rs. 5 Lakhs 8.50%*
Above Rs. 5 Lakhs, 3.20% above BPLR i.e. 12.50
*Applicable in Non-NPA accounts and subject to NRLM Interest Subvention Guidelines. RoI in NPA accounts to be charged at contractual rate i.e. 12.50% per annum.
38 Financing to JLGs (Non-farm Sector) 3.15% above BPLR i.e. 12.45%
39 Self employment activities for PWDs under NDFDC Schemes As per guidelines issued from time to time from NDFDC
40 General Credit Card 5% above BPLR i.e. 14.30
41 Real Estate Loan 3.00% above BPLR i.e. 12.30
42 BGECL 0.05% below BPLR i.e. 9.25
43 Loans for CA Firm 0.20% above BPLR i.e. 9.50%
Others 44 Loan against securities: NSC / KVP / LIC Policies Overdraft 3.00% above BPLR i.e.12.30
Term Loan
For General Public 3.00% above BPLR i.e.12.30
For Staff 1.00% above BPLR i.e.10.30
45 Loan against Bank's Own Deposit To the Depositor 1% above Term Deposit Rate
To Sr. Citizen 1% above Term Deposit Rate
Against Third Party Receipt 2% above Term Deposit Rate or 10% (whichever is higher)
To Staff Members of our Bank 1% above Term Deposit Rate
46 Financing to NBFCs /Others (Not covered above) 0.70% above BPLR i.e. 10.00
Government Sponsored Schemes 47 PM Surya Ghar Muft Bijli Yojana Up to 3 KW 2.30 % below BPLR 7%
More than 3 KW 0.30 % below BPLR 9%
48 Financing under AIF Scheme UP to Rs.2 Crore 0.30% below BPLR i.e. 9.00 %
(For all eligible projects as per MoU executed by the Bank and DA & FW, GoI. No conession in Rate of Interest shall be given for loans up to Rs. 2 Crore.
Above Rs.2 Crore
Collateral Security : 100% and Above 0.30% below BPLR i.e. 9.00 %
Collateral Security : Above 75% and less than 100% 0.05% below BPLR i.e 9.25%
Collateral Security : Above 50% and up to 75% 0.10% above BPLR i.e. 9.40%
Collateral Security : up to 25% to 50% 0.20% above BPLR i.e. 9.50%
49 Financng under PM KUSUM Up to Rs. 3.00 Lakhs 1.50% above BPLR i.e. 10.80
Above Rs. 3.00 Lakhs to Rs. 10 Lakhs 2.00% above BPLR i.e. 11.30
Above Rs. 10.00 Lakhs
Collateral Security below 50% 2.00% above BPLR i.e. 11.30
Collateral Security from 50% to 100% 1.50% above BPLR i.e. 10.80
Collateral Security above 100% 1.00% above BPLR i.e. 10.30
50 Financing against e-NWR (Farmers and non-individuals) 0.15% above BPLR i.e. 9.45
Staff Loans 51 Staff Loans Please refer circulars refardig respective Staff Loan Schemes issued from time to time.

Deposits
NRI Interest Rate

For interst rate of both fresh acceptance and renewal of bulk NRE term deposit for Rs.1.00 Cr And above(per receipt) please contact your nearest branch.

No additional benefit of interest rate of one percent per annum to bank’s own staff on deposits under NRE/NRO to be given as per RBI guidelines.

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