HPSCBIMG

The Himachal Pradesh State Co-operative Bank Ltd.

Interest Rates

Sr No. Type of Loan ROI Individual/Others ROI Organizations
1 Hpstcb House Building Advance Loan Scheme 8.95% -
2 Farm Plus ( Previously MTA) 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 And Ruminants Scheme 10.50% 10.00%
3 font6">Emergent Credit Line (Term Loan) Covid-19 10.00% 10.00%
4 Hpscb Easy Loans To Students Scheme 9.50% -
5 font6">Kisan Credit Card 7% Upto 3 Lakh & 11% Above 3 Lakh 5.5% Upto 3 Lakh & 9% Above 3 Lakh
6 KCC to Animal Husbandry Farmers & Fisheries
7 Kisan Credit Card Societies - 5.5% Upto 3 Lakh & 9% Above 3 Lakh
8 Short Term Agriculture 9.50% 9.00%
9 KCC Investment Term Loan 7% Upto 3 Lakh & 10% Above 3 Lakh 5.5% Upto 3 Lakh & 9% Above 3 Lakh
10 ICDP Sirmour - As per sanction letter
11 ICDP Shimla
12 ICDP Mandi-II
13 WBP/I.C.D.P. Loans As per sanction letter -
14 Solar Power Generation Scheme 10.50% 10.50%
15 Medium Term Conversion 11.00% 11.00%
16 Irrigation Loan Scheme 9.50% 9.00%
17 SEMFAX(Farm)
18 PME GP/K&VIB /K&VIC Loan 11.00% -
19 SGSY/SJSRY Loan 12.00% -
20 Hpscb Mukhya Mantri Swavlamban Yojna2019 11.00%
21 Vehicle Loan-SRTO/ commercial vehicle 9.50% 9.00%
22 JP Assoc. Truck and New Him Region Specific Loan 9.00% -
23 Him Dugdh Ganga /DEDS 10.50% 10.00%
24 Venture Capital Fund Loan Scheme 9.50% 9.00%
25 Hotel/Motel/Tiny Tourism 10.50% 10.00%
26 Education Loan 10.00%
27 Rural Godown Loan 9.50% 9.00%
28 Self Employment Loan /EDA 11.00% 10.50%
29 Tractor Loan 9.50% 9.00%
30 font6">SHGs (Self Help Groups) 10.00% -
31 CC WSHG 10.00% -
32 National Rural Livelihood Misson Upto Rs.3 lakh: 7% -
33 CC National Rural Livelihood Misson -
34 CC Empowerment Of Women Entrepreneurs 10.25% -
35 CC DAY-NULM 10.00% -
36 DAY-NULM TL 10.00% -
37 SC/ST & WDC Corp Loan 11.00% -
38 Women Dev. Corp. (Tie up cases) 11.00%
39 Joint Liabilities Group 10.00% -
40 Him Swarojgar Credit Card Term Loan 11.00% -
41 Weavers- Short Term 10.50% 10.00%
42 CC Limit Ind.(Pledge/Hypo.Etc) 11.50% upto 5 lakh; 11.25% above 5 lakh 11% upto 5 lakh; 10.50% above 5 lakh
43 CC Limit Soc. (PDS/Fert/Plg/Hyp) - 10% upto 1 crore & 9.75% above 1 crore
44 C C Fertilizer
45 CC Marketing - 10% upto 1 crore & 9.75% above 1 crore
46 Marketing Of Crops
47 CC Hpscb Mudra Loan Scheme 12.00% -
48 Swarojgar Credit Card Scheme 11.00%
49 Street Vendors Atam Nirbhar Nidhi Loan
50 Working Capital Loan For Stage Carriage Bus Operator 11.00%
51 Medium Term Loan SSI/Industry
52 Hpscb Mudra Loan Scheme 12.00%
53 PACS as MSC Scheme - 4.00%
54 Hydro Power Projects 9.50% 9.50%
55 Hpscb Purchase of Small Pickup or Mini Truck Loan a. One employee gurantor with DDO undertaking /salary a/c holder-7.25% b. Having 25-50% liquid security+ one gurantor- 7.50% c. 100% liquid security- 7% -
56 Hpscb Pradhan Mantri Awas Yojana - Housing Urban 10.00% -
57 Hpscb Loan for Empowerment of Women Entrepreneurs 10.25% -
58 Hpscb Working Capital Loan for Hospitality Industries 10.00% -
59 PM Formalization of Micro Food Processing Enterprise (PMFME) 10.00% 10.00%
60 Hpstcb Construction/Setting of Cold Storage and Warehousing Loan 9% SIMPLE 9% SIMPLE
61 Hpscb Easy Loans to PACS as DMA 8.88%
62 LPG Loan Scheme 11.50%
63 SEMFEX (Non Farm) 11.50%
64 Hort. Tourism 11.00% 10.50%
65 Board & Corp. Term Loan as per H.O. sanction
66 font6">Vehicle Loan-Individual 8.50%(Old vehicle: 10%) -
67 Veh Loan Emp Govt/Board. 8.25% (Old vehicle: 10%) 7.99% (Old vehicle: 10%)
68 Hpscb Vahan Rin Yojna-Festival Offer (scheme closed) 8.50% for indi. & 8.25% for govt employees -
69 Loan Against Pension 10.50%
70 Loan Against Rent 11.00% 11.00%
71 Medium Term Soc. Non Agri 11.00%
72 Medium Term Loan Ind.
73 Gold Loan Scheme 12% -
74 Hpscb Loan Against Property 12.50% 12.00%
75 Personal /CD Loan-Ind Govt Empl: 12.00%; Other Indi:12.25% -
76 Hpscb Top Up Personal Loan Scheme 1% higher than Apna Ghar Rin Yojana Scheme -
77 Consumption Loan for House Furnishing 1% higher than linked House Loan account -
78 Hpscb Loan Against Salary 11.75% -
79 Board & Corp. CC Limit - As per H.O. sanction
80 LAS For Workers On Fixed Emoluments 9.50%
81 Public Money Act
82 Term Loan (LIC/NSC/KVP) 3% over & above ROI of security -
83 CC Limit (LIC/NSC/KVP)
84 font6">Loan against Bank's Own Deposits (LABOD) {Term Loan/CC Limit} CC Limit Term Loan
(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
*Organizationsfont6"> i.e. PACS, Cooperative Societies, Other Societies, Boards, Corporations, Unions , Federations, Govt./Semi Govt. Undertakings, others etc.

Sr.No. Type of Deposit & Periodicity Rate of interest (%age per annum)
Term Deposit General PACS Senior Citizen
1 7 days to 14 days 4.5 5 5
2 15 days to 29 days 4.5 5 5
3 30 days to 45 days 4.5 5 5
4 46 days to 90 days 4.5 5 5
5 91 days to 179 days 5.25 5.75 5.75
6 180 days to 270 days 5 5.5 5.5
7 271 days to < than 1 year 5.8 6.3 6.3
8 1 year 7.1 7.6 7.6
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