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The Himachal Pradesh State Co-operative Bank Ltd.
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Interest Rates
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Interest Rates
Loan
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.
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
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
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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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