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The Himachal Pradesh State Co-operative Bank Ltd.
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Interest Rates
Loan
Interest Rates on Loans and Advances
A. Repo Linked Lending Rate (RLLR) based w.e.f. 13.06.2024
Annexure A
RLLR=Repo rate -6.50% +COM-1.15%+Risk Cost-0.51=8.16% (RLLR=8.16% CRP= as decided in ALCO)
PRIORITY SECTOR LOANS
Sr No.
Type of Loan
G.L. CODE
Sector
Sub Sector
ROI Calculation
ROI Individual/ others
ROI Organizations
1
Hpscb House Building Advance Loan Scheme (Existing Loan cases)
2007435
PS-upto 25 lakh NPS- above 25 lakh
OPS
RLLR+CRP (8.16% +1.09%)
9.25% (Existing cases) CIBIL based for new customers.
2
House Loan- Ind (Hpscb- Apna Ghar Rin Yojna)
200743
OPS- upto 25 lakh NPS- above 25 lakh
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
PS
OPS
RLLR+CRP (8.16% +1.34%)
9.00%
-
6
Hpscb Easy Loans To Students Scheme
2009807
PS
OPS
RLLR+CRP (8.16% +0.84%)
9.50%
-
7
JP Assoc. Truck and New Him Region Specific Loan
200716
PS
MSME
RLLR+CRP (8.16% +1.34%)
9.00%
-
8
Hotel/Motel/Tiny Tourism
200722
PS
MSME
RLLR+2.34% for individual & 1.84% for org.
10.50%
10.00%
9
Education Loan
200731
PS
OPS
RLLR+CRP (8.16% +1.84%)
10.00%
10
Self Employment Loan /EDA
200753
PS
As per activity; MSME/Social Infra/School/Hospital/Other
RLLR+CRP (8.16% +2.84%)
11.00%
10.50%
11
Him Swarojgar Credit Card Term Loan
200763
PS
As per activity; MSME
RLLR+CRP (8.16% +2.84%)
11.00%
-
12
CC Limit Ind.(Pledge/Hypo.Etc)
200822
PS
MSME (exception: Board/Corp under NPS)
RLLR+3.34/3.09/2.84/2.34 for individual & 2.84/2.34 for org.
11.50% upto 5 lakh; 11.25% above 5 lakh
11% upto 5 lakh; 10.50% above 5 lakh
13
Swarojgar Credit Card Scheme
200903
PS
MSME
RLLR+CRP (8.16% +2.84%)
11.00%
14
Working Capital Loan For Stage Carriage Bus Operator
200911
PS
MSME
RLLR+CRP (8.16% +2.34%)
11.00%
15
Hpscb Loan for Empowerment of Women Entrepreneurs
2009803
PS
MSME
RLLR+CRP (8.16% +1.84%)
10.25%
-
16
PM Vishwakarma Loan scheme
200912
PS
MSME
RLLR+2.09%/2.34%/2.59%/2.84%
13.00%
17
Hpscb Working Capital Loan for Hospitality Industries
2009806
PS
MSME
RLLR+CRP (8.16% +1.84%)
10.00%
-
18
Hpscb Easy Loans to PACS as DMA
PS
MSME
RLLR+CRP (8.16% +0.72%)
8.88%
19
LPG Loan Scheme
PS
OPS
RLLR+CRP (8.16% +3.34%)
11.50%
20
Hort. Tourism
PS
MSME
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
Non Priority Sector
RLLR+CRP (8.16% +0.79% for existing/1.84% for old vehicle)
CIBIL based for new vehicle, 8.95% for existing customers (Old vehicle 10%)
22
Vehicle Loan Emp Govt/Board (including Two Wheeler)
200713
Non Priority Sector
RLLR+CRP (8.16% +0.79%/1.84% for individual & -0.17%/1.84% for org.)
CIBIL based for new vehicle, 8.95% for existing customers (Old vehicle 10%)
7.99% (Old vehicle 10%)
23
E vehicle- Private (including Two Wheeler)
2009910
Non Priority Sector
RLLR+CRP (8.16% +0.79%)
CIBIL based for new vehicle (Ind/others) 8.95% for existing customers
24
E-Vehicle commercial
200713
NPS
RLLR+CRP (8.16% +0.79% for individual/-0.17% for org.)
CIBIL based for new vehicle, 8.95% for existing customers
7.99%
25
Vehicle Loan-SRTO/commercial vehicle
200714
Non Priority Sector
RLLR+CRP (8.16% +0.79% for individual/-0.17% for org.)
CIBIL based for new vehicle, 8.95% for existing customers
7.99%
26
Hpscb Vahan Rin Yojna-Festival Offer (scheme closed)
200718
Non Priority Sector
RLLR+CRP (8.16% +0.79%)
8.95%
-
27
Loan Against Pension
200756
Non Priority Sector
RLLR+CRP (8.16% +2.34%)
10.50% (for Bank's retired staff simple rate @1% less than others)
-
28
Loan Against Rent
200757
Non Priority Sector
RLLR+CRP (8.16% +2.84%)
11.00%
11.00%
29
Gold Loan Scheme
200985
Non Priority Sector
RLLR+CRP (8.16% +0.24%)
8.40%
-
30
Hpscb Loan Against Property
200986
Non Priority Sector
RLLR+CRP (8.16% +4.34% for individual & 3.84 for org.)
12.50%
12.00%
31
Personal /CD Loan-Ind
2009801
Non Priority Sector
RLLR+CRP (8.16% +3.84/4.09%)
Govt Empl: 12.00%; Other Indi: 12.25%
-
32
Personal /CD Loan-Ind (category Him Region Specific Loan)
2009801
Non Priority Sector
RLLR+CRP (8.16% +3.34%)
11.50%
33
Hpscb Top Up Personal Loan Scheme
2009804
Non Priority Sector
1% higher than Apna Ghar Rin Yojana Scheme
-
34
Consumption Loan for House Furnishing
2006501
Non Priority Sector
1% higher than linked House Loan account
-
35
Hpscb Loan Against Salary
2009802
Non Priority Sector
RLLR+CRP (8.16% +3.59%)
11.75%
-
36
HPSCB Sashakt Mahila Rin Yojana
2006500
Non Priority Sector
RLLR+CRP (8.16% +0.35%)
8.51%
37
LAS For Workers On Fixed Emoluments
2009808
Non Priority Sector
RLLR+CRP (8.16% +1.34%)
9.50%
Interest Rates on Loans and Advances
B. Repo Linked lending Rate (RLLR) +CIBIL based w.e.f. 13.06.2024
RLLR=Repo rate -6.50% +COM-1.15%+Risk Cost-0.51=8.16% RLLR=8.16% CRP= as decided in ALCO
this is blank row in brown color
HOUSE LOAN FOR NEW CUSTOMERS ONLY
Sr No.
Type of Loan
G.L. CODE
Sector
CIBIL
ROI Calculation
ROI Individual/others
38
Hpscb House Building Advance Loan Scheme
2007435
PS-upto 25 lakh NPS- above 25 lakh
>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/-1
RLLR+CRP = 9.50% i.e., (8.16% +1.34%)
9.50%
VEHICLE LOAN FOR NEW CUSTOMERS ONLY
39
Vehicle Loan-Individual (including Two Wheeler)
200712
NPS
>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)
2009910
700-749
RLLR+CRP = 9.15% i.e., (8.16% +0.99%)
9.15%
42
E-vehicle Commercial
2009911
PS (MSME)
650-699
RLLR+CRP = 9.50% i.e., (8.16% +1.34%)
9.50%
43
Vehicle Loan-SRTO/commercial vehicle
200714
600-649
RLLR+CRP = 9.75% i.e., (8.16% +1.59%)
9.75%
*NTC/No CIBIL Score/-1
RLLR+CRP = 9.15% i.e., (8.16% +0.99%)
9.15%
* NTC-New to credit/No credit history
Interest Rates on Loans and Advances
C. (other than RLLR & CIBIL based) w.e.f. 13.06.2024
PRIORITY SECTOR LOANS
Sr No.
Type of Loan
G.L. CODE
Sector
CIBIL
ROI Calculation
ROI Individual/others
44
Farm Plus ( Previously MTA)
2006217
PS
Agri
9.50%
9.00%
i)
Watershed & Wadi Scheme
PS
Agri
5.50%
-
ii)
Power Tiller Loan
PS
Agri
9.50%
9.00%
iii)
Poly House Loan Scheme
PS
Agri
9.50%
9.00%
iv)
Sheep Rearing And Rumminants Scheme
PS
MSME
10.50%
10.00%
v)
AIF
2006221
PS
MSME
10.50%
10.00%
vi)
ACABC
20062181
PS
Agri
9.50%
vii)
FPO
2006219 (Term) 200828 (CC)
PS
Agri
-
9.00%
viii)
AMI
200652
PS
Agri
9.50%
9.00%
45
Emergent Credit Line (Term Loan) Covid19
200906
PS/NPS
As per activity: MSME/Other
10.00%
10.00%
46
Emergent Credit KCC Covid 19
200904
PS
Agri
10% Simple interest
-
47
Emergent Credit Line (CC Ind.) Covid-19
200905
PS
MSME
10.00%
-
48
Kisan Credit Card
200612
PS
Agri
7% Upto 3 Lakh & 11% Above 3 Lakh
5.5% Upto 3 Lakh & 9% Above 3 Lakh
49
KCC to Animal Husbandry Farmers & Fisheries
200616
50
Kisan Credit Card Societies
200614
PS
Agri
-
5.5% Upto 3 Lakh & 9% Above 3 Lakh
51
Short Term Agriculture
200611
PS
Agri
9.50%
9.00%
52
Farm Plus ( Previously MTA)
2006217
PS
Agri
7% Upto 3 Lakh & 10% Above 3 Lakh
5.5% Upto 3 Lakh & 9% Above 3 Lakh
53
Loan scheme for purchase & Development of land and agricultural purposes
2009913
PS
Agri
Up to 5 lacs-10% Above 5 lacs-11%
54
Loan scheme for developing High Density Apple Plantation
200653
PS
Agri
10.00%
55
KCCB
200621
PS/NPS: As per NABARD sanction
AGRI/ NPS
-
0.25%
56
JCCB
200622
57
ICDP Sirmour
200624
PS
Agri
-
As per sanction letter
58
ICDP Shimla
200626
59
ICDP Mandi-II
200627
60
WBP/I.C.D.P. Loans
200651
PS
Agri/ MSME/OPS as per activity
As per sanction letter
-
61
Account For Food Corporation Of India
200658
PS
OPS
-
As per sanction letter
62
Acc. for Food Credit to Govt Of Punjab New
200615
PS
OPS
63
Acc. for Food Credit to other State Govt
200662
PS
OPS
64
Solar Power Generation Scheme
PS/NPS
Upto30 Crore - Renewable Energy, 30 to 50 CR- MSME, above 50cr -NPS
10.50%
10.50%
65
Medium Term Conversion
200633
PS
Agri
11.00%
11.00%
66
Irrigation Loan Scheme
200642
PS
Agri
9.50%
9.00%
67
SEMFAX(Farm)
200643
68
PME GP/K&VIB /K&VIC Loan
200644
PS
MSME
11.00%
-
69
SGSY/SJSRY Loan
200645
PS
MSME
12.00%
-
70
Hpscb Mukhya Mantri Yuva Aajivika Yojana
200646
PS
AGRI/MSME as per activity
11.00%
-
71
Hpscb Mukhya Mantri Swavlamban Yojana
200647
72
Hpscb Mukhya Mantri Swavlamban Yojana2019
200648
73
Rajiv Gandhi Swarojgar Yojana (RGSY)
CC-200830 TL-200764
PS
AGRI/MSME as per activity
12.00%
11.00%
74
Rajiv Gandhi Swarozgaar Start-up Yojana (RGSSY)
E-vehicle2009911 CC-200830 TL-200764
PS
AGRI/MSME as per activity
AGRI/MSME as per activity
75
Him Dugdh Ganga /DEDS
200717
PS
Agri
10.50%
10.00%
76
Venture Capital Fund Loan Scheme
200717
PS
AGRI
9.50%
9.00%
77
Rural Godown Loan
200744
PS
AGRI
9.50%
9.00%
78
Tractor Loan
200754
PS
AGRI
9.50%
9.00%
79
SHGs (Self Help Groups)
200761
PS
As per activity: Agri/ MSME/OPS
110.00%
-
80
CC WSHG
200613
PS
MSME
10.00%
-
81
National Rural Livelihood Misson
200760
PS
As per activity: Agri/ MSME/OPS
• Upto Rs.3 lakh : 7% • Rs.3 lakh to Rs.5 lakh: 8.44% • Above Rs.5 lakh: 10%
-
82
CC National Rural Livelihood Misson
200874
83
CC Empowerment Of Women Entrepreneurs
200827
PS
As per activity: MSME/AGRI
10.25%
-
84
CC DAY-NULM
200829
PS
MSME
10.00%
-
85
DAY-NULM TL
200989
86
SC/ST & WDC Corp Loan
200841
PS
OPS
11.00%
-
87
Women Dev. Corp. (Tie up cases)
200841
PS
OPS
11.00%
-
88
Joint Liabilities Group
200762
PS
OPS
10.00%
-
89
Weavers- Short Term
200782
PS
MSME
10.50%
10.00%
90
CC Limit Soc(PDS/Fert/Plg/Hyp)
200821
PS
OPS
-
10% upto 1 crore & 9.75% above 1 crore
91
C C Fertilizer
200823
PS
MSME
92
CC Marketing
200824
PS
AGRI
-
10% upto 1 crore & 9.75% above 1 crore
93
Marketing Of Crops
200772
PS
AGRI
94
CC Hpscb Mudra Loan Scheme
200826
PS
MSME
12.00%
-
95
Street Vendors Atam Nirbhar Nidhi Loan
200908
PS
MSME
11.00%
96
Medium Term Loan SSI/Industry
200931
PS
msme
11.00%
-
97
Hpscb Mudra Loan Scheme
200987
PS
MSME
12.00%
-
98
PACS As MSC Scheme
200988
PS
AGRI / MSME
-
4.00%
99
Hydro Power Projects
277777
PS
Upto 30 Crore - Renewable Energy/ 30 to 50 CR- MSME/ above 50cr -NPS
9.50%
9.50%
100
Hpscb Purchase of Small Pickup or Mini Truck Loan
2006220
PS
AGRI
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%
-
101
Hpscb Pradhan Mantri Awas Yojana - Housing Urban
2007432
PS
OPS
10.00%
-
102
Hpstcb Construction/Setting of Cold Storage and Warehousing Loan
2007434
PS
AGRI
9% Simple
9% Simple
103
PM Formalization of Micro Food Processing Enterprise (PMFME)
2009908
PS
AGRI
10.00%
10.00%
104
SEMFEX (Non Farm)
2009908
PS
MSME
11.50%
105
Long Term Loan to Govt of Punjab
2009905
PS
OPS
As per Investment Section
NON PRIORITY SECTOR LOANS
106
Board & Corp. Term Loan
20088
NPS
As per H.O. sanction
107
Board & Corp. CC Limit
NPS
As per H.O. sanction
108
Medium Term Soc. Non Agri
200981
NPS
11.00%
109
Medium Term Loan Ind.
200982
NPS
110
Loan Under HP Public Money Act
20067
NPS
as per parent account scheme
-
111
Loan Under Arbitration
200661
As per parent account scheme
112
Loan Under Liquidation
200663
113
Loan Under Execution
200665
114
Arbitration A/C
2006661
115
Execuation A/C
2006663
116
Liquidation A/C
2006665
117
Public Money Act
2006666
118
Term Loan (LIC/NSC/KVP)
200875
PS/NPS
Agri/MSME/ NPS As Per Category
3% over & above ROI of security
-
119
CC Limit (LIC/NSC/KVP)
200876
120
House Loan - Staff
2009901
NPS
7.50% Simple Interest
-
121
Personal Loan-Staff
2009902
122
Vehicle Loan-Staff
2009903
123
Warm Cloth Staff
2009904
NPS
-
-
124
CC Clean /Swarn Jay.CC Limit Staff
200902
NPS
7.00%
-
125
HPSCB Future Fund Borrowing Plan
2009909
NPS
8.15% as decided by EPFO from time to time
126
Loan against Bank's Own Deposits
(LABOD) {Term Loan/CC Limit}
CC-200866 TL-200865
PS/NPS
Agri/MSME/NPS As Per Category
-
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
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
Cash Credit Limit against Hypothecation of Stock/Book Debt /Bills
Home Loan
Vehicle Loan
Business Loan
Personal Loan
Agricultural Loan
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