| Priority Sector (Agriculture Loans) |
| 1. |
CROP LOAN/KISAN CREDIT CARD Individuals/Floriculture/Horticulture |
Individuals |
Upto Rs.3,00,000/- |
7.00% |
| Above Rs.3,00,000/- |
10.50% |
| 2. |
CROP LOAN/KISAN CREDIT CARD Individuals/Floriculture/Horticulture |
Co-op Socities |
Upto Rs.3,00,000/- |
5.50% |
| Above Rs.3,00,000/- |
9.50% |
| 3. |
HPSCB Farm Plus(Unit Cost Based) |
Co-op Socities |
|
9.50% |
| Individuals & Others |
|
10.00% |
| 4. |
HPSCB Farm Plus (Sponsored Cases under schemes of NABARD/GOI/NHB) Deen Dayal Kisan Bagwan Samriddhi Yojna |
Co-op Socities |
|
10.00% |
| Others |
|
10.50% |
| 5. |
Irrigation Loan |
Socities, Union, Fedrations |
|
10.50% |
| Individuals |
|
11.00% |
| 6. |
Tractor Loan |
Socities, Union, Fedrations |
|
10.50% |
| Individuals |
|
11.00% |
| 7. |
Power Tiller Loan |
Socities, Union, Fedrations |
|
10.50% |
| Individuals |
|
11.00% |
| 8. |
Agri. Clinic/Agri., Business Center/Custom Hiring Cum Service Center |
Socities, Union, Fedrations |
|
10.00% |
| Individuals |
|
10.50% |
| 9. |
SEMFEX(Farm) |
Socities, Union, Fedrations |
|
10.00% |
| Individuals |
|
10.50% |
| 10. |
Poly House Loan Scheme |
Socities, Union, Fedrations |
|
10.00% |
| Individuals |
|
10.50% |
| 11. |
Rural Godowns Loans |
Individuals |
|
10.50% |
| Socities, Union, Fedrations |
|
10.00% |
| 12. |
Venture Capital Fund Loan Scheme |
Individuals |
|
10.50% |
| Socities, Union, Fedrations |
|
10.00% |
| 13. |
ICDP Loan/WBP Loan |
|
|
As Per Sanction Letter |
| 14. |
Dairy Enterpreneur Development Scheme (DEDS) |
Individuals |
|
10.50% |
| Socities, Union, Fedrations |
|
10.00% |
| 15. |
Sheep Rearing and Ruminants Scheme |
Individuals |
|
10.50% |
| Socities, Union, Fedrations |
|
10.00% |
| 16. |
Pradhan Mantri Mudra Yojna |
Individuals |
|
12.00% |
| Other Priority Sector Loans |
| 17. |
Education Loan |
All Categories |
Upto 4 Lacs |
10.00% |
| Above 4 Lacs |
10.00% |
| 18. |
Self Help Groups |
|
|
11.00% |
| 19. |
JLG |
|
|
11.00% |
| 20. |
SGSY (SHG)/NRLM |
Category – I (Identified District) |
Upto 3 Lacs |
7.00% |
| Above 3 Lacs |
11.00% |
| Category – II |
|
11.00% |
| 21. |
EDA/Self Employment |
Individuals |
|
11.25% |
| Socities, Union, Fedrations |
|
11.00% |
| 22. |
PMEGP |
All Categories |
Upto 5 Lacs |
12.00% |
| Above 5 Lacs |
12.00% |
| 23. |
SGSY Individuals |
All Categories |
Upto 5 Lacs |
12.00% |
| Above 5 Lacs |
12.50% |
| 24. |
SJSRY |
All Categories |
Upto 5 Lacs |
12.00% |
| Above 5 Lacs |
12.50% |
| 25. |
SC/ST Dev. Corp. |
All Categories |
|
12.00% |
| 26. |
Women Dev. Corp. |
All Categories |
|
12.00% |
| 27. |
LPG |
All Categories |
|
12.00% |
| 28. |
SEMFEX (Non Farm) |
All Categories |
|
12.00% |
| 29. |
Hotel/Motel Loans |
|
|
12.00% |
| 30. |
House Loans |
Apna Ghar Rin Yojana |
All Categories |
8.99% |
Apna Ghar Rin Yojana 2020
(Only for Fresh Loans Advanced after 22/06/2020)
|
7.99% |
| PM Awas Yojana-Housing for all(Urban) |
10.50% |
| 31. |
C. C. Hypothecation |
Socities, Union Fedrations |
Upto 5 Lacs |
11.75% |
| Above 5 Lacs |
10.50% |
| Individuals |
Upto 5 Lacs |
12.25% |
| Above 5 Lacs |
11.00% |
| 32. |
C.C. Pledge |
Socities, Union Fedrations |
Upto 5 Lacs |
11.75% |
| Above 5 Lacs |
10.50% |
| Individuals |
Upto 5 Lacs |
12.25% |
| Above 5 Lacs |
11.00% |
| 33. |
Cash Credit PDS/Fertilizers/ CC Marketing |
Socities, Union Fedrations |
Upto 5 Lacs |
10.50% |
| Above 5 Lacs < 1.00 Crore |
10.50% |
| Rs. 1.00 Crore and above |
10.00% |
| 34. |
Cash Credit Weavers |
Socities, Union Fedrations |
Upto 5 Lacs |
10.50% |
| Above 5 Lacs |
10.50% |
| Individuals |
Upto 5 Lacs |
11.00% |
| Above 5 Lacs |
11.00% |
| 37. |
Horti. Tourism |
Socities, Union Fedrations |
|
10.50% |
| Individuals |
|
11.00% |
| 38. |
Him Swarojgar Credit Card |
All Categories |
|
12.00% |
| 39. |
Him Region Specific Loan Scheme |
All Categories |
|
12.00% |
| 40. |
New Him Region Specific Loan Scheme |
All Categories |
Loans sanctioned and disbursed upto 31/12/2019 |
9.00% |
| 41. |
Scheme for Empowerment of Women Entrepreneurs |
Individuals |
|
10.25% |
| 42. |
Solar Power Generation Scheme |
Individuals & Others |
|
11.50% |
| Non Priority Sector Loans |
| 43. |
M.T. Non Agri. / T&C |
Socities |
|
11.00% |
| 44. |
Personal Loan |
Emp. Of Govt./ Board/Corp etc. |
|
11.50% |
| Other Individuals |
|
12.50% |
| 45. |
New Vahan Rin Yojna(Vehicle loan for Personal use or Other Individual) |
|
|
8.25% |
| 46. |
Vehicle loan (Government/Board/Corp. Employee) |
|
|
7.99% |
| 47. |
Old/Used Vehicles |
|
|
10.00% |
| 48. |
Commercial Vehicles |
|
|
10.50% |
| 49. |
Term Loan & C.C. Limits to Boards, Corporations, State Level Fedrations, other Govt., Semi-Govt. Undertakings etc. |
|
|
As Negotiated by H.O. on case to case basis |
| 50. |
Loans Against Rent |
All Categories |
|
12.00% |
| 51. |
Loan Against Pension |
Individuals |
|
10.75% |
| 52. |
Loan Against Salary |
Individuals |
|
11.50% |
| 53. |
Loan Against Property |
Socities, Union Fedrations |
|
12.00% |
| Individuals |
|
12.50% |
| 54. |
Hydel Power Generation Project Loans |
Co-op. Socities |
|
11.50% |
| Individuals |
|
11.50% |
| 55. |
Over Draft |
All Categories |
|
17.00% |
| 56. |
Gold Loan Scheme |
Individuals |
|
12.50% |
| 57. |
Mukhya Mantri Swavlamban Yojna, 2019 |
|
|
11.00% |
| 58. |
Mukhya Mantri Yuva Aajeevika Yojna |
|
|
11.00% |
| 59. |
Easy loans to students |
|
|
10.00% |
| 60. |
HPSCB Easy loans PACS as DMA |
Socities, Union Fedrations |
|
8.88% |
| 61. |
Emergent Credit Line |
Term Loan |
|
10.00% |
| Cash Credit Limit for Business Purpose |
|
10.00% |
| Agriculture activities(SAO)/KCC |
|
10.00% |
| 62. |
HPSCB Smart Phone Loan to Students |
All Categories |
|
9.00% |
| 63. |
LABOD Loans (Term Loans) |
Individual(s) |
0.75% higher than the interest allowed on Security |
| Boards/Corporations/Institutions/Organizations (Upto 5 Crore) |
0.75% higher than the interest allowed on Security |
| Boards/Corporations/Institutions/Organizations (Above 5 Crore) |
0.50% higher than the interest allowed on Security |
| 64. |
LABOD (C.C. Limits) |
Individual(s). |
1.00% higher than the interest allowed on Security |
| Boards/Corporations/Institutions/Organizations (Upto 5 Crore) |
0.75% higher than the interest allowed on Security |
| Boards/Corporations/Institutions/Organizations (Above 5 Crore) |
0.50% higher than the interest allowed on Security |
| 65. |
Loan Against NSC/P.O. Time Deposits/KVP/ LIC Policy |
All Categories |
|
3% Over and Above ROI applicable on NSC/P.O. Time Deposits/KVP/ LIC Policy |
| Staff Loans |
| 66. |
House Loan |
|
|
7.75%(Simple) |
| 67. |
Personal Loan |
|
|
7.75%(Simple) |
| 68. |
Vehicle Loan (New & Used) |
|
|
7.75%(Simple) |
| 69. |
Swaran Jayanti C.C. Limits |
|
|
7.25%(Monthly Compound) |
| 70. |
LABOD |
Staff On Rolls |
|
0.25% higher than the interest allowed on security |
| Retired Staff |
|
0.50% higher than the interest allowed on security |
