Financing

Loan Interest Rates

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Current Loan Rates

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Types of Loans	Rate of Interest (ROI)
Loan and Advances to Industry / Small Scale Industry / Cottage	10.50%
Retail Traders / Wholesalers (Cash Credit & Term Loan)	10.50%
Housing Loan	9.00%
Vehicles Loan	9.00%
Education Loan Scheme	10.50%
Loan for Construction or Purchase of Commercial Building / Banquet Hall / Educational Institutions	10.50%
Finance Against Mortgage of Immovable Property (Term Loan)	12.00%
Overdraft Against Mortgage of Immovable Property	10.50%
Finance for Consumer Durables	10.50%
Loan Scheme for Professionals & Self Employed Persons	10.50%
Life Policy / Gold Ornaments	9.00%
Loan Against Deposit	1% ABOVE FDR
Loan Against Janta Deposit	8.00%
Small Unsecured Loans up to Rs 1.00 lac (The limit can be increased/decreased by RBI from time to time)	12.00%
Personal Loan to Employees	9.50%
Personal Loan to Other than Employees	10.50%
Loan to Staff	As Applicable to Haryana Gov Emp
Letter of Credit	9.00%
KVPs / IVP / NSCs	2% ABOVE

Penal Charges of all Loan is 2.00% in the case of any default like non-submission of Financial Statement and in the case of overdue.