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Loan Products

Co-Op. Socities Individuals
Agriculture Agriculture
Non Farm Sector Non Farm Sector
Personal Vehicle Personal Vehicle
Weavers/Industrial/Housing Housing
Cash Credits Cash Credits



Interest Rates on Loans & Advances w.e.f 08.03.2017



THE KANGRA CENTRAL COOP BANK LTD H.O. DHARAMSALA
INTEREST RATE ON LOAN & ADVANCES – 07.02.2017

SOCIETY PUBLIC
SOCIETY PUBLIC
S.No TYPE CATG TYPE CATG Scheme / Product









1 6027 1011 6027 1012 KISAN CREDIT CARD






UP TO RS.300000 6.00% 7.00%





ABOVE RS.300000 6.00% 10.500%
2 7040 1028 7040 1029 MT AGRICULTURE & ALLIED ACTIVITY(ALL AGRICULTURAL RELATED ACTIVITIES)






UP TO RS.50000 9.75% 10.25%





ABOVE TO RS.50000 10.00% 10.50%
3 7004 1013 7004 1014 MT Dairy






UP TO RS.50000 9.50% 9.75%





ABOVE RS.50000 10.00% 10.25%
4

7042 1031 TRACTOR/Farm MECHNIZA/IRRIGATION
10.25%
5

7013 1019 SHORT TERM LOAN OTHER PURPOSES 10.50% 11.00%
6

7021 1024 TERM LOAN SHG






UP TO RS.50000
10.50%





Rs.50001 TO Rs.200000
10.50%





ABOVE RS. 200000
10.50%
7

6003 1003 CCL SHG






UP TO RS.50000
10.50%





Rs.50001 TO Rs.200000
10.50%





ABOVE RS. 200000
10.50%
8

7008 1016 PERSONAL LOAN
12.00%
9

7008 1017 CONSUMER LOAN
11.50%
10

6029 1029 GCC LOAN
12.00%
11

6023 1023 ECC LOAN
12.00%
12

7019 1023 COMPUTER LOAN
12.00%
13

7014 1041 LOAN AGAINST PROPERTY
10.50%
14

7015 1021 LOAN AGAINST FIXED DEPOSIT
1% above the rate of intt of deposit 1% above the rate of intt of deposit
15

6022 1022 SECURED LOAN TO INDIVIDUAL
1% above the rate of intt of deposit 1% above the rate of intt of deposit
16

6021 1021 SECURED LOAN TO STAFF
At par
17 6008 1008

CC PDS






UP TO RS.100000 10.75% 11.50%
18



ABOVE RS.100000 11.00% 12.00%

6010 1010

CC FERTILIZER






UP TO RS.100000 10.75% 11.50%





ABOVE RS.100000 11.00% 12.00%
19 6004 1004 6004 1005 CC FOR WEAVERS






UP TO RS.100000 10.75% 11.50%





ABOVE RS.100000 11.00% 12.00%
20

6001 1001 CC HYPO TO INDIVIDUAL






UP TO 1000000
11.75%





1000001 TO RS 4000000
12.00%





ABOVE 40 LAKH
12.00%
21

6035 1035 CC TO SOCIETIES OTHER PURPOSE






UP TO RS.100000 10.75%





ABOVE RS.100000 11.00%
22

6036 1036 CC ORCHARD TO INDIVIDUAL






UP TO 1000000
10.50%





1000001 TO RS 4000000
10.75%





ABOVE 40 LAKH
10.75%
23

6022 1023 CC-SL TO SOCIETIES
1% above the rate of intt of deposit
1% above the rate of intt of deposit
24

6022 1022 SLI AGAINST NSC/KVP/LIC
12.50%
25

6021 1021 SLI TO STAFF AGAINST NSC/KVP/LIC At Par
At par
26

7006 1015 TL-PERSONAL VEHICLE LOAN






UP TO 3 YEARS
8.75%





ABOVE 3 YEARS TO 5 YEARS
8.75%





ABOVE 5 YEARS TO 6 YEARS
8.75%
27

7006 1016 TL-VEHICLE LOAN GOVT EMP






UP TO 3 YEARS
8.75%





ABOVE 3YEARS TO 5 YEARS
8.75%





ABOVE 5 YEARS TO 20 YEARS

8.75%
28

7026 1026 COMMERCIAL VEHICLE






UP TO RS.300000
10.25 %





ABOVE RS 300000 TO 500000

10.25 %





ABOVE RS 500000 TO 2000000

10.25 %





ABOVE RS 2000000

10.25 %
29 6024 1024

CCL FOR TRANSPORT BUSINESS 12.00% 12.00%
30

7006 1018 TWO WHEELER






FOR GOVT. EMP






UP TO 3 YEARS
11.50%





ABOVE 3 YEARS
11.50%





FOR OTHERS






UP TO 3 YEARS
11.50%





ABOVE 3 YEARS
11.50%
31

7009 1016 LOAN FOR HOUSE CONSTRUCTION/REPAIR/PURCHASE






UP TO 5 YEARS
10.10%





ABOVE 5 YEARS TO 10 YEARS
10.20%





ABOVE 10 YEARS TO 15 YEARS
10.25%
32

7009 1018 HOME LOAN TO GOVT EMP






UP TO 5 YEARS
10.00%





ABOVE 5 YEARS TO 10 YEARS
10.10%





ABOVE 10 YEARS TO 15 YEARS
10.25%





ABOVE 15 YEARS
10.60%
33

7041 1029 HIRING OF BANK BUILDING ACCOMODATION/COMMERCIAL
12.00%
34

7014 1020 NFS/SSI/HOTEL/MOTEL/K&VIB/DIC/OTHER NPS ACTIVITIES






UP TO 5 YEARS
11.00%





ABOVE 5 YEARS TO 10 YEARS
11.25%





ABOVE 10 YEARS TO 15 YEARS
11.25%





ABOVE 15 YEARS
11.25%
35

7014 1040 DOCTOR/PROFESSIONAL LOAN






UP TO 5 YEARS
10.25%





ABOVE 5 YEARS TO 10 YEARS
11.00%





ABOVE 10 YEARS TO 15 YEARS
11.25%





ABOVE 15 YEARS
11.50%
36



TERM LOAN WEAVERS






UP TO RS.200000 10.00% 10.50%





ABOVE RS.200000 10.75% 11.00%
37

7005 1014 SGSY/SJSRY






UP TO RS.50000
10.50%





ABOVE RS.50000
10.75%
38

7001 1011 SCC/SCAVENGER/SME






UP TO RS.50000
10.50%





ABOVE RS.50000
11.25%
39

7010 1018 EDUCATION LOAN






UP TO RS.400000
10.00%





400001 TO RS.700000
10.25%





ABOVE RS.700000
11.00%
40

7021 1065 SHG-NRLM






UP TO RS.50000
10.50%





Rs.50001 TO Rs.200000
10.50%





ABOVE RS. 200000
10.50%
41

7055 1066 MT LOAN JOINT LIABILITY GROUP(JLG)






UP TO RS.50000
10.50%





Rs.50001 TO Rs.200000
10.50%





ABOVE RS. 200000
10.50%
42

6132 1032 OVERDRAFT-PUBLIC
15.00%
43

7031 1027 TERM LOAN GOVT. As per sanction letter
44

6012 1012 CCL-INDUSTRIAL
45

6013 1013 CCL-HOUSE FEDERATION
46

6014 1014 CCL-LDB CLEAN
47

6016 1016 CC-AGRO INDUSTRY
48

6017 1017 CC-FINANCIAL CORPORATION
49

6028 1028 CC MRKTG SOC
50

6006 1006 CC CONSORTIUM
51



Used Vehicle

12.00%
52



E-Salary

12.00%
53

6038 1038 CCL TO CONTRACTORS






UP TO 1,00,000/-
11.75%





1,00,000/- TO RS 40,00,000/-
12.00%





ABOVE 40 LAKH
12.00%
54

6040 1040 CCL AGAINST PROPERTY







UP TO 1,00,000/-
11.75%





1,00,000/- TO RS 40,00,00/-
12.00%





ABOVE 40 LAKH
12.00%
55

6039 1039 CCL NRLM







UP TO 1,00,000/-
11.75%





1,00,001/- TO RS 40,00,000/-
12.00%





ABOVE 40 LAKH
12.00%