Loan Interest Rates
Discover the latest interest rates that are applicable across all our loan products.
| Type of Loans | Minimum Interest Rate*(%) | Maximum Interest Rate* (%) | Average Rate of Interest in last quarter** (%) | Processing Fees (% of the loan) | Effective date |
|---|---|---|---|---|---|
| Kisan Samman OD | 11.00% | 14.99% | 11.31% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST | 31st Dec, 2024 |
| Kisan Pragati Card Cash Credit | 13.00% | 16.99% | 13.98% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST | 31st Dec, 2024 |
| Kisan Pragati Card Term Loan | 15.00% | 18.99% | 16.04% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST | 31st Dec, 2024 |
| Kisan pragati card Abhimaan OD | 11.00% | 14.99% | 11.64% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST | 31st Dec, 2024 |
| Kisan pragati card Pisciculture OD | 13.00% | 16.99% | 15.33% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST | 31st Dec, 2024 |
| Kisan pragati card Pisciculture TL | 15.00% | 18.99% | NA | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST | 31st Dec, 2024 |
| Kisan pragati card Poultry OD | 13.00% | 16.99% | 13.67% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST | 31st Dec, 2024 |
| Kisan pragati card Poultry TL | 15.00% | 18.99% | NA | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST | 31st Dec, 2024 |
| Agri Group Loan | 22.00% | 22.00% | 22.00% | - | |
| Group Loan | 22.90% | 24.15% | 22.23% | Nil for loans up to INR 50,000.1.2% (+GST) or INR 1,100 (+GST) whichever is lower for loans above INR 50,000 | 01st April, 2025 |
| Gold Loans | 14.00% | 15.99% | 14.68% | 0.50% of Loan Amt or Min 300/- + GST whichever is higher for Loan upto 3 Lacs, >3 Lacs Flat Rs. 1000/- + GST | 31st Dec, 2024 |
| PMSVANidhi | 24.00% | 24.00% | 24.00% | - | |
| Individual Loans | 23.00% | 24.50% | 24.37% | 2% of loan amount (excluding applicable GST) | |
| Kisan Suvidha Loan | 23.25% | 23.25% | 23.25% | - | |
| Two-Wheeler Loan | 17.50% | 23.50% | 20.74% | Up to 4% | 16th May, 2024 |
| GECL (ECLGS) | 9.25% | 9.25% | 9.25% | - | |
| BusiMoni OD | 16.00% | 20.00% | 16.03% | OD Limit - Up to 1 Lakh Above 1 Lakh Charges Rs 1,000 plus taxes as applicable Rs 1,500 plus taxes as applicable | |
| Prime LAP- Semi-Formal | 9.50% | 21.90% | 12.26% | 1.5% - 2.5% of the loan amount, plus taxes as applicable | 8th Feb, 2025 |
| Elite Lap- Formal | 9.50% | 21.90% | 11.09% | 1.5% of the loan amount, plus taxes as applicable | 8th Feb, 2025 |
| Working Capital Overdraft | 8.60% | 21.70% | 10.12% | upto 1% of the loan amount, plus taxes as applicable | 8th Feb, 2025 |
| Working Capital Term Loan | 8.90% | 22.00% | 9.52% | upto 1% of the loan amount, plus taxes as applicable | 8th Feb, 2025 |
| Supply Chain & Finance | 9.50% | 14.00% | 11.29% | upto 2% of the loan amount, plus taxes as applicable | 8th Feb, 2025 |
| Micro Home Improvement Loan | 17.00% | 19.00% | 17.99% | https://www.ujjivansfb.in/personal/loans/micro-mortgages/micro-business-loan#micro-home | 1st Oct, 2024 |
| Micro Business Loan | 18.00% | 21.00% | 19.85% | https://www.ujjivansfb.in/personal/loans/micro-mortgages/micro-business-loan | 1st Oct, 2024 |
| Micro Loan Against Property | 20.00% | 22.00% | 21.10% | https://www.ujjivansfb.in/personal/loans/micro-mortgages/micro-business-loan#micro-loan-against-property | 1st Oct, 2024 |
| Micro-Mortgages BT+Top-UP | 16.00% | 24.00% | 18.20% | https://www.ujjivansfb.in/personal/loans/home-loans | 1st Oct, 2024 |
| Commercial Purchase | 10.75% | 18.99% | 13.00% | https://www.ujjivansfb.in/personal/loans/home-loans | 1st Oct, 2024 |
| Composite Home Loan | 10.70% | 17.99% | 12.40% | https://www.ujjivansfb.in/personal/loans/home-loans | 1st Oct, 2024 |
| HL Top Up | 9.50% | 16.99% | 12.30% | https://www.ujjivansfb.in/personal/loans/home-loans | 1st Oct, 2024 |
| Home Equity Loan | 10.75% | 18.99% | 13.50% | https://www.ujjivansfb.in/personal/loans/home-loans | 1st Oct, 2024 |
| Home Improvement loan | 10.70% | 17.99% | 13.10% | https://www.ujjivansfb.in/personal/loans/home-loans | 1st Oct, 2024 |
| Home Ready/Under-Construction Purchase | 9.50% | 16.99% | 11.40% | https://www.ujjivansfb.in/personal/loans/home-loans | 1st Oct, 2024 |
| Home Loan - Self Construction | 9.50% | 16.99% | 11.70% | https://www.ujjivansfb.in/personal/loans/home-loans | 1st Oct, 2024 |
Archives
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Mean Interest Rates of 1st April 2025
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Mean Interest Rates of 2024
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