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Interest Rates
Loan
INTEREST RATES ON LOANS & ADVANCES Annexure A
A. Repo Linked Lending Rate (RLLR) based w.e.f. 16.01.2025
RLLR=8.16% (Repo rate -6.50% +COM-1.15%+Risk Cost-0.51) , CRP= as decided in ALCO
PRIORITY SECTOR LOAN
Sr No.
Type of Loan
G.L. Code
ROI Calculation
ROI Individual/Others
ROI Organizations
1
Hpstcb House Building Advance Loan Scheme (Existing Loan cases)
2007435
RLLR+CRP (8.16% +1.09%)
9.25% (Existing accounts opened before 13.06.2024)
-
2
House Loan- Ind (Hpscb- Apna Ghar Rin Yojna)
200743
RLLR+CRP (8.16% +1.09%)
9.25%
-
3
Hpscb Special Home Loan Scheme (closed on 31.03.2020)
2007431
-
4
Apna Ghar Rin Yojna 2020
2007433
-
5
Emergent Credit Line Smart Phone & Electronic Gadgets
200907
RLLR+CRP (8.16% +0.84%)
9.00%
-
6
Hpscb Easy Loans To Students Scheme
2009807
RLLR+CRP (8.16% +1.34%)
9.50%
-
7
JP Assoc. Truck and New Him Region Specific Loan
200716
RLLR+CRP (8.16% +0.84%)
9.00%
-
8
Hpscb Home Stay/Hotel/Motel Loan Scheme
200722
RLLR+CRP (8.16% +2.34% for individual & 1.84% for org.)
10.50%
10.00%
9
Education Loan
200731
RLLR+CRP (8.16% +1.84%)
10.00%
-
10
Self Employment Loan /EDA
200753
RLLR+CRP (8.16% +2.84% for individual & 2.34% for org.)
11.00%
10.50%
11
Him Swarojgar Credit Card Term Loan
200763
RLLR+CRP (8.16% +2.84%)
11.00%
-
12
CC Limit Ind.(Pledge/Hypo.Etc)
200822
RLLR+CRP (8.16% +3.34/3.09% for individual & 2.84/2.34% for org.)
11.50% upto 5 lakh; 11.25% above 5 lakh
9.00%
13
Swarojgar Credit Card Scheme
200903
RLLR+CRP (8.16% +2.84%)
11.00%
-
14
Working Capital Loan For Stage Carriage Bus Operator
200911
RLLR+CRP (8.16% +2.84%)
11.00%
-
15
Hpscb Loan for Empowerment of Women Entrepreneurs
2009803
RLLR+CRP (8.16% +2.09%)
10.25%
-
16
PM Vishwakarma Loan scheme
200912
RLLR+CRP (8.16% +4.84%)
13.00%
-
17
Hpscb Working Capital Loan for Hospitality Industries
2009806
RLLR+CRP (8.16% +1.84%)
10.00%
-
18
Hpscb Easy Loans to PACS as DMA
-
RLLR+CRP (8.16% +0.72%)
-
8.88%
19
LPG Loan Scheme
-
RLLR+CRP (8.16% +3.34%)
11.50%
-
20
Hort. Tourism
-
RLLR+CRP (8.16% +2.84% for individual & 2.34% for org.)
11.00%
10.50%
NON PRIORITY SECTOR LOANS
21
Vehicle Loan-Individual(including Two Wheeler)
200712
RLLR+CRP(8.16% +0.79% for existing/1.84% for old vehicle)
8.95% for existingaccounts opened before 13.06.2024,(Old vehicle 10%)
-
22
Vehicle Loan Emp Govt/Board.(including Two Wheeler)
200713
RLLR+CRP(8.16% +0.79%/1.84% for individual & -0.17/+1.84% for org.)
7.99% (Old vehicle 10%)
23
E vehicle- Private (including Two Wheeler)
2009910
RLLR+CRP (8.16% +0.79%)
8.95% for existing accounts opened before 13.06.2024,
24
E-Vehicle commercial
2009911
RLLR+CRP (8.16% +0.79% for individual/- 0.17% for org.)
7.99%
25
Vehicle Loan-SRTO/commercial vehicle
200714
RLLR+CRP (8.16% +0.79% for individual/- 0.17% for org.)
7.99%
26
Hpscb Vahan Rin Yojna-Festival Offer (scheme closed)
200718
RLLR+CRP (8.16% +0.79%)
8.95%
27
Loan Against Pension
200756
RLLR+CRP (8.16% +2.34%)
10.50% (for Bank's retired staff simple rate @ 1% less than others )
-
28
Loan Against Rent
200757
RLLR+CRP (8.16% +2.84%)
11.00%
11.00%
29
Gold Loan Scheme
200985
RLLR+CRP (8.16% +0.24%)
8.40%
-
30
Hpscb Loan Against Property
200986
RLLR+CRP (8.16% +4.34% for individual & 3.84 for org.)
12.50%
12.00%
31
Personal /CD Loan-Ind
2009801
RLLR+CRP (8.16% +3.84/4.09%)
Govt Empl: 12.00%; Other Indi:12.25% (Existing accounts opened before 16.01.2025)
-
32
Personal /CD Loan-Ind (category Him Region Specific Loan)
2009801
RLLR+CRP (8.16% +3.34%)
11.50%
-
33
Hpscb Top Up Personal Loan Scheme
2009804
1% higher than Apna Ghar Rin Yojana Scheme
-
34
Consumption Loan for House Furnishing
2006501
1% higher than linked House Loan account
-
35
Hpscb Loan Against Salary
2009802
RLLR+CRP (8.16% +3.59%)
11.75% (Existing accounts opened before 16.01.2025)
-
36
HPSCB Sashakt Mahila Rin Yojana
200650
RLLR+CRP (8.16% +0.35%)
8.51%
37
LAS For Workers On Fixed Emoluments
2009808
RLLR+CRP (8.16% +1.34%)
9.50%
INTEREST RATES ON LOANS & ADVANCES
B. Repo Linked lending Rate (RLLR) +CIBIL based w.e.f. 16.01.2025
R=8.16% (Repo rate -6.50% +COM-1.15%+Risk Cost-0.51) , CRP= as decided in ALCO
HOUSE LOAN (For accounts opened after 13.06.2024
38
Hpstc House Building Advance Loan Scheme
2007435
>800
RLLR+CRP=8.95%
i.e., (8.16%+0.79%)
8.95%
750-799
RLLR+CRP=9.25%
i.e., (8.16%+1.09%)
9.25%
700-749
RLLR+CRP=9.50%
i.e., (8.16%+1.34%)
9.50%
650-699
RLLR+CRP=9.75%
i.e., (8.16%+1.59%)
9.75%
600-649
RLLR+CRP=10.00%
i.e., (8.16%+1.84%)
10.00%
*NTC/No CIBIL Score
RLLR+CRP=9.50%
i.e., (8.16%+1.34%)
9.50%
VEHICLE LOAN (For accounts opened after 13.06.2024)
Sr No
Type of Loan
G.L. CODE
CIBIL
ROI Calculation
ROI Individual/others
39
Vehicle Loan-Individual (including Two Wheeler)
200712
>800
RLLR+CRP=8.75%
i.e., (8.16%+0.59%)
8.75%
40
Veh Loan Emp Govt/Board (including Two Wheeler)
200713
750-799
RLLR+CRP=9.00%
i.e., (8.16%+0.84%)
9.00%
41
E-vehicle-Private (including Two Wheeler)
200910
700-749
RLLR+CRP=9.15%
i.e., (8.16%+0.99%)
9.15%
42
E-vehicle Commercial
200911
650-699
RLLR+CRP=9.30%
i.e., (8.16%+1.14%)
9.30%
43
Vehicle Loan-SRTO/commercial vehicl
200714
600-649
RLLR+CRP=9.15% i.e.,(8.16% +0.99%)
9.45%
*NTC/No CIBIL Score/-1
RLLR+CRP=9.15% i.e.,(8.16% +0.99%)
9.15
Note:- In case of 100 % liquid security offered by borrower under House Loan & Vehicle Loan scheme, the rate applicable to CIBIL score >800 shall be charged. However, instructions circulated vide HOGC 7/2021-22 dated 08.04.2021 regarding CIC operational guidelines should be adhered strictly
PERSONAL LOAN (For accounts opened after 15.01.2025)
Sr No
Type of Loan
G.L. CODE
CIBIL
ROI Calculation
ROI Individual/others
44
HPSCB Loan Against Salary
2009802
>800
RLLR+CRP=11.75%
i.e., (8.16% + 3.59%)
11.75%
750-799
RLLR+CRP=12.00%
i.e., (8.16% + 3.84%)
12.00%
700-749
RLLR+CRP=12.25%
i.e., (8.16% + 4.09%)
12.25%
650-699
RLLR+CRP=12.50%
i.e., (8.16% + 4.34%)
12.50%
600-649
RLLR+CRP=12.75%
i.e., (8.16% + 4.59%)
12.75%
*NTC/No CIBIL Score/-1
RLLR+CRP=12.25%
i.e., (8.16% + 4.09%)
12.25%
45
Personal/CD Loan-Ind
2009801
>800
Govt. Employee - RLLR+CRP=12.00%
i.e., (8.16%+3.84%)
Others - RLLR+CRP=12.00%
i.e., (8.16%+3.84%)
12.00%
12.25%
750-799
Govt. Employee - RLLR+CRP=12.25%
i.e., (8.16%+4.09%)
Others - RLLR+CRP=12.25%
i.e., (8.16%+4.09%)
12.25%
12.50%
700-749
Govt. Employee - RLLR+CRP=12.50%
i.e., (8.16%+4.34%)
Others - RLLR+CRP=12.50%
i.e., (8.16%+4.34%)
12.50%
12.75%
650-699
Govt. Employee - RLLR+CRP=12.75%
i.e., (8.16%+4.59%)
Others - RLLR+CRP=12.75%
i.e., (8.16%+4.59%)
12.75%
13.00%
600-649
Govt. Employee - RLLR+CRP=13.00%
i.e., (8.16%+4.84%)
Others - RLLR+CRP=13.00%
i.e., (8.16%+4.84%)
13.00%
13.25%
*NTC/No CIBIL Score/-1
Govt. Employee - RLLR+CRP=12.75%
i.e., (8.16%+4.59%)
Others - RLLR+CRP=12.75%
i.e., (8.16%+4.59%)
12.50%
12.75%
INTEREST RATES ON LOANS & ADVANCES C. other than RLLR & CIBIL based w.e.f. 16.01.2025
IPRIORITY SECTOR LOANS
Sr No
Type of Loan
G.L. CODE
ROI Individual
ROI Others
46
Farm Plus (Previously MTA)
2006217
9.50%
9.00%
i) Watershed & Wadi Scheme
-
5.50%
-
ii) Power Tiller Loan
-
9.50%
9.00%
iii) Poly House Loan Scheme
-
9.50%
9.00%
iv) Sheep Rearing & Ruminants Scheme
-
10.50%
10.00%
v) AIF
2006221
9.50%
9.00%
vi) ACABC
20062181
9.50%
-
vii) FPO
2006219 (Term)
2008228 (CC)
-
9.00%
viii) AMI
200652
9.50%
9.00%
47
Emergent Credit Line (Term Loan) Covid-19
200906
10.00%
10.00%
48
Emergent Credit KCC Covid-19
200904
10% Simple interest
-
49
Emergent Credit Line (CC Ind.) Covid-19
200905
10.00%
50
Kisan Credit Card
200612
7% Upto 3 Lakh
11% Above 3 Lakh
5.5% Upto 3 Lakh
9% Above 3 Lakh
51
KCC to Animal Husbandry Farmers & Fisheries
200616
7% Upto 3 Lakh
11% Above 3 Lakh
5.5% Upto 3 Lakh
9% Above 3 Lakh
52
Kisan Credit Card Societies
200614
-
5.5% Upto 3 Lakh
9% Above 3 Lakh
53
Short Term Agriculture
200611
9.50%
9.00%
54
KCC Investment Term Loan
200615
7% Upto 3 Lakh
10% Above 3 Lakh
5.5% Upto 3 Lakh
9% Above 3 Lakh
55
Loan scheme for purchase & Development of land and agricultural purposes
200913
Up to 5 lacs: 10%
Above 5 lacs: 11%
-
56
Loan scheme for developing High Density Apple Plantation
200653
10.00%
-
57
KCCB
200621
-
0.25%
58
JCCB
200622
59
ICDP Sirmour
200624
-
As per sanction letter
60
ICDP Shimla
200626
61
ICDP Mandi-II
200627
62
WBP/I.C.D.P. Loans
200651
As per sanction letter
-
63
Account For Food Corporation Of India
200658
-
As per sanction letter
64
Acc. for Food Credit to Govt Of Punjab New
200660
65
Acc. for Food Credit to other State Govt
200662
66
Solar Power Generation Scheme
200633
10.50%
10.50%
67
Medium Term Conversion
200633
11.00%
11.00%
68
Irrigation Loan Scheme
200642
9.50%
9.00%
69
SEMFAX(Farm)
200643
70
PME GP/K&VIB /K&VIC Loan
200644
12.00%
-
71
SGSY/SJSRY Loan
200645
11.00%
-
72
Hpscb Mukhya Mantri Yuva Aajivika Yojana
200646
11.00%
-
73
Hpscb Mukhya Mantri Swavalamban Yojana
200647
74
Hpscb Mukhya Mantri Swavalamban Yojana-2019
200648
-
75
Rajiv Gandhi Swarozgaar Start-up Yojana (RGSSY)
E-vehicle: 200991
CC-200830
TL-200764
7.90% - for e-vehicle & shall be reset every year in the month of April, 11% - for all other categories
11.00%
76
Him Dugdh Ganga /DEDS
200717
10.50%
10.00%
77
Venture Capital Fund Loan Scheme
200717
9.50%
9.00%
78
Rural Godown Loan
200743
9.50%
9.00%
79
Tractor Loan
200754
9.50%
9.00%
80
SHGs (Self Help Groups)
200761
10.00%
-
81
CC WSHG
200613
10.00%
-
82
National Rural Livelihood Mission
200760
Upto Rs.3 lakh: 7%
Rs.3 lakh to Rs.5 lakh: 8.45%
Above Rs.5 lakh: 10%
-
83
CC National Rural Livelihood Mission
200874
84
CC Empowerment Of Women Entrepreneurs
200827
10.25%
-
85
CC DAY-NULM
200829
10.00%
-
86
DAY-NULM TL
200989
87
SC/ST & WDC Corp Loan
200841
11.00%
-
88
Women Dev. Corp. (Tie up cases)
200841
11.00%
-
89
Joint Liabilities Group
200762
10.00%
-
90
Weavers- Short Term
200782
10.50%
10.00%
91
CC Limit Soc(PDS/Fert/Plg/Hyp)
200821
-
9.00%
92
C C Fertilizer
200823
93
CC Marketing
200824
94
Marketing Of Crops
200772
-
10% upto 1 crore & 9.75% above 1 crore
95
CC Hpscb Mudra Loan Scheme
200826
12.00%
-
96
Street Vendors Atam Nirbhar Nidhi Loan
200908
11.00%
-
97
Medium Term Loan SSI/Industry
200931
11.00%
-
98
Hpscb Mudra Loan Scheme
200987
12.00%
-
99
PACS As MSC Scheme
200988
-
4.00%
100
Hydro Power Projects
277777
9.50%
9.50%
101
Hpscb Purchase of Small Pickup or Mini Truck Loan
2006220
One employee guarantor with DDO undertaking/salary a/c holder: 7.75%
Having 25-50% liquid security + one guarantor: 8.00%
100% liquid security: 7.50%
-
102
Hpscb Pradhan Mantri Awas Yojana - Housing Urban
2007432
10.00%
-
103
PM Formalization of Micro Food Processing Enterprise (PMFME)
2009908
10.00%
10.00%
104
Hpscb Construction/Setting of Cold Storage and Warehousing Loan
2007434
9% Simple
9% Simple
105
SEMFEX (Non Farm)
-
11.50%
-
106
Long Term Loan to Govt of Punjab
2009905
As per Investment Section
NON PRIORITY SECTOR LOANS
107
Board & Corp. Term Loan
20088
As per H.O. sanction
107
Board & Corp. Term Loan
109
Medium Term Soc. Non Agri
200981
11.00%
110
Medium Term Loan Ind.
200982
-
-
111
Loan Under HP Public Money Act
20067
As per parent account scheme
-
112
Loan Under Arbitration
200661
113
Loan Under Liquidation
200663
114
Loan Under Execution
200665
115
Arbitration A/C
2006661
116
Execuation A/C
2006663
117
Liquidation A/C
2006665
118
Public Money Act
2006666
119
erm Loan (LIC/NSC/KVP)
200875
119
Term Loan (LIC/NSC/KVP)
200875
3% over & above ROI of security
-
120
CC Limit (LIC/NSC/KVP)
200876
121
House Loan - Staff
200901
7.50% Simple Interest
-
122
Personal Loan - Staff
200902
-
123
Vehicle Loan - Staff
200903
-
124
Warm Cloth Staff
-
-
-
125
CC Clean /Swarn Jay.CC Limit Staff
200902
7.00%
-
126
HPSCB Future Fund Borrowing Plan
2009909
8.15% as decided by EPFO from time to time
127
Ride Ready - Finance for purchasing Bicycle/e-Cycle
200915
10.00%
-
128
Bharat Darshan - Travel Loan Scheme
200914
10.00%
10.00%
129
Loan against Bank's Own Deposits (LABOD) (Term Loan/CC Limit)
CC Limit(200866)
Term Loan (200865)
i
Individual
1.00% higher than the interest allowed on security
0.75% higher than the interest allowed on security
ii
Board, Corporations, Institutions, Organisation* (Up to Rs. 5.00 Crore)
0.75% higher than the interest allowed on security
0.75% higher than the interest allowed on security
Board, Corporations, Institutions, Organisation* (Above Rs. 5.00 Crore)
0.50% higher than the interest allowed on security
0.50% higher than the interest allowed on security
iii
Staff (On roll & retired)
0.25% higher than the interest allowed on security
*Organizations i.e. PACS, Cooperative Societies, Other Societies, Boards, Corporations, Unions , Federations, Govt./Semi Govt. Undertakings, others etc.
Deposit
Sr.No.
Type of Deposit & Periodicity
Rate of interest (%age per annum)
Term Deposit
General
PACS
Senior Citizen
1
7 days to 14 days
5.5
6
6
2
15 days to 29 days
5.5
6
6
3
30 days to 45 days
5.5
6
6
4
46 days to 90 days
5.5
6
6
5
91 days to 179 days
5.75
6.25
6.25
6
180 days to 270 days
6.25
6.75
6.75
7
271 days to < than 1 year
6.25
6.75
6.75
8
1 year
7.1
7.6
7.85
9
(only to individuals under Sarvpriya deposit Scheme)
7.4
-
7.9
10
Above 1 year to < than 2 years
7
7.5
7.5
11
2 years to
< than 3 years
6
6.5
6.5
12
3 years to
< than 5 years
6.1
6.6
6.6
13
5 years to 10 years
6.15
6.65
6.65
14
Saving Bank Deposit
2.8
3.3
2.8
15
Reserve Fund Societies
6.65
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Loan Against Salary
Loan Against Property Scheme
Loan Against Pension
Personal Loan Scheme
Education Loan Scheme
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