Sr. No.	TYPE OF LOANS	BANKTO PACS
		Existing rate of Interest (p.a.)	Revised rate of interest (p.a.)
1.	Crop Loan / KCC	5.50%	5.50%
2.	Consumption Loan	12%	12%
3.	Rural Artisans	12%	12%
4.	Petty Shopkeeper	12%	12%
5.	Cash Credit Fert. For PACS/Mkg.	12%	12%
6.	Cash Credit Consumer Goods	12%	12%
7.	OD limit to PACS for repayment of Deposit	12%	12%
8.	M.T. Loan through PACS Agri MT Loan for Agri allied (Bio Gas) Milk cattle/cart bullock and sponsored Non Agri.
		12%	12%

OTHER SOCIETIES

Sr. No.	TYPE OF LOANS	BANK TO SOCIETY
		Existing rate of Interest (p.a.)	Revised rate of interest (p.a.)
9.	Loan to Salary Earner Societies	Other institution : 13% Bank Staff : 9%	Other institution : 10% Bank Staff : 9%
10.	Loan to Thrift & Credit Societies	14%	14%

DIRECT FINANCING

Sr. No.	Type of Loan	Existing rate of Interest (p.a.)	Revised rate of interest (p.a.)	Interest Frequency
1.	Industrial, Weaver & L&C Societies	12.00%	12.00%	Monthly
2.	Cash Credit to Individual/ Businessman/Traders	12.00%	12.00%	Monthly
3.	Revolving Cash Credit limit	11.00%	11.00%	Monthly
4. a	Overdraft Limit to Staff	7.50%	7.50%	Monthly
4. b	Overdraft limit to Bank Contractual staff (HKRN/HARTRON)	9.00%	9.00%	Monthly
5a	Loan against TDA for Public Margin will be maintained 10% against Advance	1% above from FDR	1% above from FDR	Monthly
5b	Loan against NSC for Public Margin will be maintained 30% against Advance	10.00%	10.00%	Monthly
6a.	Loan against TDA for Staff Margin will be maintained 10% against Advance	At Par	At Par	Monthly
6b	Loan against NSC for Staff Margin will be maintained 15% against Advance	9.50%	9.50%	Monthly
7.	Loan to Individuals for Small Transport	9.75%	9.75%	Monthly
8.	Consumer Durable loan for
	a. General	10.50%	10.50%	Monthly
	b. Staff ( Own Bank/ Harco Bank/ARCS )	10.00%	10.00%	Monthly
9.	Personal loan for
	a. General	10.00%	As per CIBIL	Monthly
	b. Staff (Own Bank/ Harco Bank/ARCS )	9.00%	9.00%	Monthly
	c. HKRN employees (Our bank only)	9.50%	9.50%	Monthly
	d. PACS Emp. in Panchkula	10.00%	10.00%	Monthly
	e. HKRN other Department emp.	11.00%	11.00%	Monthly
	f. Contractual Emp. deployed in Haryan School Shiksha Priyojna Parshad	11.00%	11.00%	Monthly
10.	Personal Loan to Pensioners	10.00%	10.00%	Monthly
11.	Education Loan for
	a. General	8.50%	10.00%	Monthly
	b. Staff	8.00%	9.00%	Monthly
12.	Personal Motor Car Loan for
	a. General	*As per CIBIL mentioned at below	*As per CIBIL mentioned at below	Monthly
	b. Staff			Monthly
13.	Housing Building Loan for
	a.     Rural	8.50%	*As per CIBIL mentioned at below	Monthly
	Staff	8.25%
	b.     Urban	8.50%		Monthly
	Staff	8.25%
	c.     School & College	10.00%	10.00%	Monthly
14.	Loan against Gold ornaments	9.50%	9.50%	Monthly
15.	FARM & NON FARM SECTOR SCHEMES	12.00%	12.00%
	a. Dairy Farming			Monthly
	b. Milk Cattle			Monthly
	c. Poultry			Monthly
	d. Bee Keeping			Monthly
	e. Poly House			Monthly
	f. Piggery			Monthly
	g. SHG/JLG			Monthly
	h. SCC			Monthly
	i. Integrated			Monthly
	j. Shuttering			Monthly
	k. Composite			Monthly
	l. Other Farm & NFF activities.			Monthly
	m. Loan to Women Coop Society			Monthly
	n. Loan to fruit and Vegetable Society			Monthly
16.	E-Rickshaw/Auto 3 Wheeler	10.50%	10.50%	Monthly
17.	Two Wheeler Loan	Men : 10.00% Women:9.50% Staff  9.00% 8.50%	Men : 9.50% Women:9.00% Staff ( Men)  8.90% (Women)8.50% *including HKRN	Monthly
18.	Loan Against Property	10.50%	11.00%	Monthly

 

Personal Motor Car Loan
* CIBIL Score	Existing rate of Interest (p.a.)		Revised rate of interest (p.a.)
	Public	Staff	Public	Staff
800 & above	8.50%	7.25%	7.70%	7.25%
700 to 800	8.75%	7.50%	7.95%	7.50%
600 to 700	9.25%	7.75%	8.45%	7.75%
Below 600 not accepted	--	--	Not Accepted
Score (-1 to 0) or No Credit History	9.25%	8.25%	7.95%	7.95%
Score (1 to 5)	9.25%	8.25%	7.95%	7.95%

 

Personal Loan For General Public
*CIBIL Score	Existing rate of Interest (p.a.)	Revised rate of interest (p.a.)
	Public	Public
800 & above	10 %	9.95%
700 to 799		10.15%
600 to 699		10.35%
Score-1 or No Credit History		10.15%
Score below 600		Not Accepted

 

 

                                                           

Housing Building Loan (Rural/Urban)
*CIBIL Score	Existing rate of Interest (p.a.)		Revised rate of interest (p.a.)
	Public	Staff	Public	Staff
800 & above	8.50%	8.25%	7.50%	7.25%
750 to 799			7.75%	7.25%
700 to 749			8.00%	7.25%
650 to 699			8.50%	7.25%
Below 600 not accepted			Not Accepted
Score (-1 to 0) or No Credit History			7.75%	7.25%