Rate of Intrest
તા. ૧૫.૦૪.૨૦૨૫ થી અમલમાં આવેલ થાપણો પર વ્યાજના દરો
| Sr.No. | મુદત્ત | હાલનો દર | ૬૦ વર્ષથી ઉપર માટે | ૮૦ વર્ષથી ઉપર માટે |
|---|---|---|---|---|
| 1 | ૭ દિવસથી ૨૯ દિવસ | ૩.૭૫% | ૩.૭૫% | ૩.૭૫% |
| 2 | ૩૦ દિવસથી ૯૦ દિવસ | ૪.૦૦% | ૪.૦૦% | ૪.૦૦% |
| 3 | ૯૧ દિવસથી ૧૨ માસની અંદર | ૫.૦૦% | ૫.૦૦% | ૫.૦૦% |
| 4 | ૧૨ માસથી ૨૪ માસ સુધી | ૭.૦૦% | ૭.૫૦% | ૭.૭૫% |
| 5 | ૨૫ માસથી ૩૬ માસ સુધી | ૭.૨૫% | ૭.૭૫% | ૮.૦૦% |
| 6 | ૩૬ માસથી ઉપર પરંતુ ૫ વર્ષ સુધી | ૬.૭૫% | ૭.૨૫% | ૭.૫૦% |
| 7 | સેવિંગ્સ ડિપોઝિટ/સભાસદ સેવિંગ્સ | ૩.૫૦% | ૩.૫૦% | ૩.૫૦% |
Interest Rates on Advances effective from 15.04.2025
| Sr.No. | Particulars | Rate of Interest |
|---|---|---|
| 1 | All Cash Credit Limit | 9.90% |
| 2 | Uma Avas Yojana (Up to Rs. 25/- Lac) | 8.25% |
| 3 | Uma Avas Yojana (Above Rs.25 Lac to 45/- lac ) | 8.50% |
| 4 | Uma Avas Yojana (Above Rs.45 Lac to 140/- lac ) | 11.00% |
| 5 | Uma Avas Yojana for Repair/renovation(Up to Rs. 12/- lac ) | 10.00% |
| 6 | Sthavar Loan (Real Estate/Personal) | 12.00% |
| 7 | Sthavar Loan (Other Business under Priority Sectors) | 10.50% |
| 8 | Machinery Loan | 9.90 % |
| 9 | Jat Jamin Loan | 12.00 % |
| 10 | Vehicle Loan (Consumer) | 8.50% |
| 11 | Vehicle Loan (Commercial) | 10.00% |
| 12 | Old Vehicle with Valuation Report | 11.00% |
| Loan/SOD against Deposits | ||
| 13 | To Depositors | 1 % Over D/R |
| 14 | To Third Party | 1.5 % Over D/R |
| 15 | NSC Loan/ KVP Loan | 11.00% |
| 16 | Professional & Self Employed | 9.50% |
| 17 | Secured Overdraft against Property | 12.00 % |
| 18 | Secured Overdraft against Property (Other Business under Priority Sectors) | 10.50% |
| 19 | Small Business Enterprises | 9.40% |
| 20 | Gold Loan | 9.40% |
| 21 | Agricultural Advance | 10.00% |
| 22 | Bill Purchase & Discount Under LC | 10.00% |
Service Charges effective from 01/08/2018
| Sr.No. | સેવાનો પ્રકાર | નવા દર | ||
|---|---|---|---|---|
| ધોરણ | દર ( + જી એસ ટી અલગથી ) | |||
| 1 | RTGS | ** | Rs.2 lakh to 5 lakh Above Rs.5 lakh |
Nil |
| 2 | NEFT | ** | Up to Rs.l lakh Rs.l lakh to 2 lakh |
Nil |
| 3 | Cheque Return Charges | ** | ||
| O/W Clearing Cheque (Deposited by Customer) | ** | Per Instrument | 60/- ( Actual Out of Pocket Expenses) |
|
| l/W Clearing Charges (Issued by Customer) | Per Instrument | 100/- | ||
| 4 | ECS Verification Charges | ** | Per Instrument | 100/- |
| 5 | ECS Return Charges | ** | Per Instrument | 100/- |
| 6 | Demand Draft / Pay Order | Up to Rs.100000/ | – 60/ | |
| Above Rs.100000/- 0.60 Paise per Rs.1000 |
100/- Min. | |||
| 7 | Issue of Duplicate DD / Cancellation | Per Instrument | 60/ | |
| 8 | Duplicate Passbook/Statement | |||
| SB Pass Book | Entries up to 1 year.
For additional year |
20/ Rs.20/- Per Year |
||
| Statement(CD, CC, SOD & All Type of Loan A/cs.) | Up to 1 Year per page | 15/- | ||
| Beyond 1 Year per page | 25/- | |||
| 9 | Issuance of Cheque Books | ** | ||
| SB 15 Leaves | Per Cheque Leaf | 1.80 | ||
| CD, CC, SOD A/c. | Per Cheque Leaf | 3.00 | ||
| 10 | Stop Payment Instruction (This is in addition to charges for Return of Cheque when presented) |
** | Per Instrument Max Rs.500/-at a time for bulk stop payment |
100/- |
| 11 | Standing Instruction (Except Recurring Deposit) |
Per Instruction other than recovery of Recurring/Loan installment. | 100/- | |
| 12 | Enquiry Relating to Old Records | I to 3 Years Old | 100/- | |
| 3 to 5 Years Old | 150/- | |||
| More than 5 Years Old | 200/- | |||
| 13 | Charges for Non-maintaining Minimum Balance | ** | Saving A/c. Rs.500/- (Per Occasion) | 10/- |
| ** | Current A/c. Rs.1000/ (Per Occasion | 50/- | ||
| 14 | Incidental Charges (CC, CD, OD, SOD, etc) | ** | Half Yearly 30th September/31st March | 100/- |
| 15 | SDV Lockers — Break Open | ** | 200/-(+ Actual out of Pocket Expenses) | |
| 16 | Issuance of Specific Certificate other than Interest Certificate of Deposit / Advances | ** | Per Certificate | 50/- |
| 17 | Certifying or Verification of / Signature Attestation/Verification | ** | Per Certification/Verification | 60/- |
| 18 | Providing Record Copy of Cheque | ** | Per cheque/instrument/Voucher | 100/- |
| ** સદર ચાર્જીસ સિસ્ટમ દ્વાર રિકવર કરવામાં આવશે. બાકીના ચાર્જર્સ, શાખા દ્વારા મેનુઅલી રિકવર કરવાના રહેશે. | ||||