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The Himachal Pradesh State Co-operative Bank Ltd.
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Interest Rates
Loan
The H.P.State Cooperative Bank Ltd. Head Office The Mall Shimla-1
INTEREST RATES ON LOANS & ADVANCES
RLLR=6.98% (Repo rate -5.50% +COM-1.04%+Risk Cost-0.44) , CRP= as decided in ALCO
PRIORITY SECTOR LOANS
Sr No.
Type of Loan
G.L. Code
ROI Individual/Others
ROI Organizations
ROI **(Members of Coop. Societies)
1
Hpstcb House Building Advance Loan Scheme (Existing Loan cases)
2007435
8.90% (Existing accounts opened before 13.06.2024)
-
-
2
House Loan- Ind (Hpscb- Apna Ghar Rin Yojna)
200743
8.90%
-
-
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
9.00%
-
8.90%
6
Hpscb Easy Loans To Students Scheme
2009807
9.50%
-
9.40%
7
JP Assoc. Truck and New Him Region Specific Loan
200716
9.00%
-
-
8
Hpscb Home Stay/Hotel/Motel Loan Scheme
200722
10.50%
10.00%
10.40%
9
Education Loan
200731
9.50%
-
9.40%
10
Self Employment Loan /EDA
200753
10.50%
10.00%
10.40%
11
Him Swarojgar Credit Card Term Loan
200763
11.00%
-
10.90%
12
CC Limit Ind.(Pledge/Hypo.Etc)
200822
Upto 5 lakh-10.75% ; above 5 lakh-11.00%
9.00%
Upto 5 lakh-10.65% ; above 5 lakh-10.90%
13
Swarojgar Credit Card Scheme
200903
11.00%
-
10.90%
14
Working Capital Loan For Stage Carriage Bus Operator
200911
11.00%
-
10.90%
15
Hpscb Loan for Empowerment of Women Entrepreneurs
2009803
10.25%
-
10.15%
16
PM Vishwakarma Loan scheme
200912
13.00%
-
12.90%
17
Hpscb Working Capital Loan for Hospitality Industries
2009806
RLLR+CRP (7.91% +2.09%)
10.00%
-
18
Hpscb Easy Loans to PACS as DMA
200649
-
8.88%
-
19
LPG Loan Scheme
-
11.50%
-
11.40%
20
Hort. Tourism
200755
11.00%
10.50%
10.90%
NON PRIORITY SECTOR LOANS
21
Vehicle Loan-Individual(including Two Wheeler)
200712
8.50% for existing accounts opened before 13.06.2024, (Old vehicle 10%)
-
-
22
Vehicle Loan Emp Govt/Board.(including Two Wheeler)
200713
RLLR+CRP(7.91% +1.04%/2.09% for individual & 0.08/+2.09% for org.)
7.99% (Old vehicle 10%)
23
E vehicle- Private (including Two Wheeler)
2009910
RLLR+CRP (7.91% +1.04%)
8.95% for existing accounts opened before 13.06.2024,
24
E-Vehicle commercial
2009911
RLLR+CRP (7.91% +1.04% for individual/- 0.08% for org.)
7.99%
25
Vehicle Loan-SRTO/commercial vehicle
200714
RLLR+CRP (7.91% +1.04% for individual/- 0.08% for org.)
7.99%
26
Hpscb Vahan Rin Yojna-Festival Offer (scheme closed)
200718
RLLR+CRP (7.91% +1.04%)
8.95%
27
Loan Against Pension
200756
10.00% (for Bank's retired staff simple rate @ 1% less than others )
-
-
28
Loan Against Rent
200757
10.50%
10.00%
10.40%
29
Gold Loan Scheme
200985
8.40%
-
8.30%
30
Hpscb Loan Against Property
200986
11.50%
11.00%
11.40%
31
Personal /CD Loan-Ind
2009801
Govt Empl: 11.05%;
Other Indi: 11.30%
(Existing accounts opened before 16.01.2025)
-
-
32
Personal /CD Loan-Ind (category Him Region Specific Loan)
2009801
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
11.00%
(Existing accounts opened before 16.01.2025)
-
-
36
HPSCB Sashakt Mahila Rin Yojana
200650
8.51%
-
8.41%
37
LAS For Workers On Fixed Emoluments
2009808
9.50%
-
9.40%
INTEREST RATES ON LOANS & ADVANCES
RLLR=6.98% (Repo rate -5.50% +COM-1.04%+Risk Cost-0.44) , CRP= as decided in ALCO
HOUSE LOAN (For accounts opened after 13.06.2024) Credit Score Based ROI
38
Hpstcb House Building Advance Loan Scheme
2007435
>800 - 7.90%
750–799 - 8.00%
700–749 - 8.30%
650–699 - 9.00%
600–649 - 9.00%
*NTC/No CIBIL Score/-1 - 8.30%
>800 - 7.80%
750–799 - 7.90%
700–749 - 8.20%
650–699 - 8.90%
600–649 - 9.00%
*NTC/No CIBIL Score/-1 - 8.20%
VEHICLE LOAN (For accounts opened after 13.06.2024) Credit Score Based ROI
Sr No
Type of Loan
G.L. CODE
CIBIL
ROI Individual/ others
ROI **(Members of Coop. Societies)
39
Vehicle Loan-Individual (including Two Wheeler)
200712
>800
8.20%
8.10%
40
Veh Loan Emp Govt/Board. (including Two Wheeler)
200713
750–799
8.30%
8.20%
41
E vehicle– Private (including Two Wheeler)
2009910
700–749
8.50%
8.40%
42
E-vehicle Commercial
2009911
650–699
9.30%
8.80%
43
Vehicle Loan-SRTO/commercial vehicle
200714
*NTC/No CIBIL Score/-1
8.50%
8.40%
Note:- In case of new accounts (Individual/Others) under Vehicle Loan & House Loan categories, offering 100 % liquid security , the rate of interest (ROI) applicable to borrower having CIBIL score >800 shall be charged.
PERSONAL LOAN (For accounts opened after 15.01.2025) Credit Score Based ROI
Sr No
Type of Loan
G.L. CODE
CIBIL
ROI Calculation
ROI Individual/others
44
Hpscb Loan Against Salary
2009802
>800
10.50%
10.40%
750–799
11.40%
11.30%
700–749
11.60%
11.50%
650–699
11.80%
11.70%
600–649
12.00%
11.90%
*NTC/No CIBIL Score/-1
11.60%
11.50%
45
Personal /CD Loan-Ind
2009801
>800
Govt. Employee
10.55%
Other
10.80%
10.70%
750–799
Govt. Employee
11.45%
Other
11.70%
11.60%
700–749
Govt. Employee
11.65%
Other
11.90%
11.80%
650–699
Govt. Employee
11.85%
Other
12.10%
12.00%
600–649
Govt. Employee
12.25%
Other
12.50%
12.40%
*NTC/No CIBIL Score/-1
Govt. Employee
11.65%
Other
11.90%
11.80%
Interest Rates on Loans and Advances (Other than RLLR & Credit Score Based ROI)
PRIORITY SECTOR LOANS
Sr No
Type of Loan
G.L. CODE
ROI Individual
ROI Others
46
Farm Plus ( Previously MTA)
2006217
9.50%
9.00%
9.40%
i)
Watershed & Wadi Scheme
5.50%
5.00%
5.40%
ii)
Power Tiller Loan
9.50%
9.00%
9.40%
iii)
Poly House Loan Scheme
9.50%
9.00%
9.40%
iv)
Sheep Rearing And Ruminants Scheme
10.50%
10.00%
10.40%
v)
AIF
2006221
9.50%
9.00%
9.40%
vi)
ACABC
20062181
9.50%
9.00%
9.40%
vii)
FPO
2006219 (Term)
2008228 (CC)
viii)
AMI
200652
9.50%
9.00%
9.40%
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 & 10.50% Above 3 Lakh
5.5% Upto 3 Lakh & 8.50% Above 3 Lakh
7% upto 3 Lakhs & 10.40% Above 3 Lakh
51
KCC to Animal Husbandry Farmers & Fisheries
200616
10.50% Above 3 Lakh
8.50% Above 3 Lakh
10.40% Above 3 Lakh
52
Kisan Credit Card Societies
200614
-
5.5% Upto 3 Lakh & 8.50% Above 3 Lakh
-
53
Short Term Agriculture
200611
9.50%
9.00%
9.40%
54
KCC Investment Term Loan
200615
7% Upto 3 Lakh & 10% Above 3 Lakh
5.5% Upto 3 Lakh & 9% Above 3 Lakh
7% Upto 3 Lakh & 9.90% Above 3 Lakh
55
Loan scheme for purchase & Development of land and agricultural purposes
2009913
Up to 5 lacs-10%
Above 5 lacs-11%
Up to 5 lacs-9.90% Above 5 lacs-10.90%
56
Loan scheme for developing High Density Apple Plantation
200653
10.00%
9.90%
57
KCCB
200621
-
0.25%
-
58
JCCB
200622
-
-
-
59
ICDP Sirmour
200624
-
As per sanction letter
-
60
ICDP Shimla
200626
-
-
As per sanction letter
61
ICDP Mandi-II
200627
-
-
-
62
WBP/I.C.D.P. Loans
200651
As per sanction letter
-
As per sanction letter
63
Account For Food Corporation Of India
200658
-
-
-
64
Acc. for Food Credit to Govt Of Punjab New
200662
-
As per sanction letter
-
65
Acc. for Food Credit to other State Govt
200662
-
-
As per sanction letter
66
Solar Power Generation Scheme
2009805
10.50%
10.50%
10.40%
67
Medium Term Conversion
200633
11.00%
11.00%
10.90%
68
Irrigation Loan Scheme
200642
9.50%
9.50%
9.40%
69
SEMFAX(Farm)
200643
9.50%
-
-
70
PME GP/K&VIB /K&VIC Loan
200644
11.00%
-
10.90%
71
SGSY/SJSRY Loan
200645
12.00%
-
11.90%
72
Hpscb Mukhya Mantri Yuva Aajivika Yojna
200646
-
-
-
73
Hpscb Mukhya Mantri Swavalamban Yojna
200647
11.00%
-
10.90%
74
Hpscb Mukhya Mantri Swavalamban Yojna2019
200648
-
-
-
75
Rajiv Gandhi Swarozgaar Start-up Yojana (RGSSY)
E-vehicle-2009911 CC-200830 TL-200764
7.90%- for e-vehicle & shall be reset every year in the month of April, 11%- for all other categories
7.80%- for e-vehicle & shall be reset every year in the month of April, 10.90%- for all other categories
76
Him Dugdh Ganga /DEDS
200717
10.50%
10.00%
10.40%
77
Venture Capital Fund Loan Scheme
200717
9.50%
9.00%
9.40%
78
Rural Godown Loan
200744
9.50%
9.00%
9.40%
79
Tractor Loan
200754
9.50%
9.00%
9.40%
80
SHGs (Self Help Groups)
200761
10.00%
-
-
81
CC WSHG
200613
10.00%
-
-
82
National Rural Livelihood Misson
200760
• Upto Rs.3 lakh : 7%
• Rs.3 to Rs.5 lakh: 8.20%
• Above Rs.5 lakh: 9.75%
-
-
83
CC National Rural Livelihood Misson
200874
9.75%
-
-
84
CC Empowerment Of Women Entrepreneurs
200827
10.25%
-
10.15%
85
CC DAY-NULM
200829
10.00%
-
-
86
DAY-NULM TL
-
-
-
87
SC/ST & WDC Corp Loan
200841
11.00%
-
10.90%
88
Women Dev. Corp. (Tie up cases)
200841
11.00%
-
10.90%
89
Joint Liabilities Group
200762
10.00%
-
-
90
Weavers- Short Term
200782
10.50%
10.00%
10.40%
91
CC Limit Soc(PDS/Fert/Plg/Hyp)
200821
10% upto 1 crore & 9.75% above 1 crore
-
-
92
C C Fertilizer
200823
10% upto 1 crore & 9.75% above 1 crore
-
-
93
CC Marketing
200824
-
-
-
94
Marketing Of Crops
200772
-
-
-
95
CC Hpscb Mudra Loan Scheme
200826
11.75%
-
11.65%
96
Street Vendors Atam Nirbhar Nidhi Loan
200908
11.00%
-
10.90%
97
Medium Term Loan SSI/Industry
200931
11.00%
-
10.90%
98
Hpscb Mudra Loan Scheme
200909
11.75%
-
11.65%
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
a.
One employee gurantor with DDO undertaking /salary a/c holder -
7.75%
b.
Having 25-50% liquid security + one gurantor -
8.00%
c.
100% liquid security -
7.50%
-
a.
One employee gurantor with DDO undertaking /salary a/c holder -
7.65%
b.
Having 25-50% liquid security + one gurantor -
7.90%
c.
100% liquid security -
7.40%
102
Hpscb Pradhan Mantri Awas Yojana - Housing Urban
2007432
10.00%
-
9.90%
103
PM Formalization of Micro Food Processing Enterprise (PMFME)
2009908
10.00%
10.00%
9.90%
104
Hpscb Construction/Setting of Cold Storage and Warehousing Loan
2007434
9% Simple
9% Simple
8.90% simple
105
SEMFEX (Non Farm)
2009810
11.50%
As per Investment Section
11.40%
106
Long Term Loan to Govt of Punjab
2009905
As per Investment Section
-
-
107
Roof Top Solar Power Loan
2009810
1.
Upto 3 kw - 7%
2.
Above 3 kw
a.
For home loan customer -
9.50%
b.
For others -
10.50%
-
1.
Upto 3 kw - 7%
2.
Above 3 kw
a.
For home loan customer -
9.40%
b.
For others -
10.40%
NON PRIORITY SECTOR LOANS
108
Board & Corp. Term Loan
20088
As per H.O. sanction
-
-
109
Board & Corp. CC Limit
As per H.O. sanction
-
-
110
Medium Term Soc. Non Agri
200981
11.00%
-
-
111
Medium Term Loan Ind.
200982
-
-
-
112
Loan Under HP Public Money Act
20067
-
-
-
113
Loan Under Arbitration
200661
as per parent account scheme
-
as per parent account scheme
114
Loan Under Liquidation
200663
as per parent account scheme
-
as per parent account scheme
115
Loan Under Execution
200665
as per parent account scheme
-
as per parent account scheme
116
Arbitration A/C
200661
as per parent account scheme
-
as per parent account scheme
117
Execution A/C
200665
as per parent account scheme
-
as per parent account scheme
118
Liquidation A/C
200663
as per parent account scheme
-
as per parent account scheme
119
Public Money Act
200666
as per parent account scheme
-
as per parent account scheme
120
Term Loan (LIC/NSC/KVP)
200875
3% over & above ROI of security
-
-
121
CC Limit (LIC/NSC/KVP)
200876
-
-
-
122
House Loan - Staff
2009901
7.50% Simple Interest
-
-
123
Personal Loan - Staff
2009902
-
-
-
124
Vehicle Loan - Staff
2009903
-
-
-
125
Warm Cloth Staff
2009904
-
-
-
126
CC Clean /Swarn Jay. CC Limit Staff
2009902
7.00%
-
-
127
HPSCB Future Fund Borrowing Plan
2009909
8.25% as decided by EPFO from time to time
-
-
128
Ride Ready - Finance for purchasing Bicycle/ e- Cycle
2009915
10.00%
-
9.90%
129
Bharat Darshan - Travel Loan Scheme
2009914
10.00%
-
9.90%
130
Loan against Bank's Own Deposits (LABOD) {Term Loan/CC Limit}
Type of loan
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*
a
Up to Rs. 5.00 Crore
0.75 % higher than the interest allowed on security
0.75 % higher than the interest allowed on security
b
Above Rs. 5.00 crore to Rs. 100.00 crore
0.75 % higher than the interest allowed on security
0.75 % higher than the interest allowed on security
c
Above Rs. 100 crore
0.75 % higher than the interest allowed on security
0.75 % 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.
**The benefit of concessional ROI shall be admissible to Primary Members (non-defaulter) of all the non- defaulter cooperative societies affiliated to Bank except Members of Thrift and Credit Societies of employees under the jurisdiction of the concerned Branch for more details please go through the HOGC NO 84/2025-26 Dated 23.06.2025.
Deposit
Sr.No.
Type of Deposit & Periodicity
Rate of interest (%age per annum)
Term Deposit
General
Senior Citizen
Super Senior Citizen
1
7 days to 14 days
3.75
4.25
4.25
2
15 days to 29 days
3.75
4.25
4.25
3
30 days to 45 days
3.75
4.25
4.25
4
46 days to 90 days
4.75
5.25
5.25
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
6.30
6.80
6.80
8
1 year
6.85
7.60
7.75
9
(only to individuals under Sarvpriya deposit Scheme)
7.10
7.60
7.60
10
Above 1 year to < than 2 years
6.85
7.35
7.35
11
2 years to
< than 3 years
6.00
6.50
6.50
12
3 years to
< than 5 years
6.10
6.60
6.60
13
5 years to 10 years
6.15
6.65
6.65
14
Saving Bank Deposit
2.80
2.80
2.80
15
Reserve Fund Societies
6.85
enquiry form
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HPSCB House Bulding Advance
Vahan Rin Yojana
HPStCB Hotel / Motel Loan Scheme
HPStCB Financing To Non-agricultural -thrift & Credit- Salary Earner’s Societies
Loan Against Salary Scheme for Workers on Fixed Emoluments/Wages
Loan Against Salary
Loan Against Property Scheme
Loan Against Pension
Personal Loan Scheme
Education Loan Scheme
Agri Infra Fund (AIF) Scheme
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Vehicle Loan
Business Loan
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