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Welcome To The Kukarwada Nagrik Sahakari Bank Ltd.

Loan Interest Rate

LOAN RATES IN CURRENT BUSINESS SCENARIO : 02-08-2023

Loan Type Rates
Overdraft Aginst Fix Deposit (90% of FD Amount)  FDR+1%
Pledge CC (માલ તારણ સામે) Margin 30% 11.50%
Hypothication CC (Upto 25 Lakh) Stock 25%, BD50% 10.50%
Hypothication CC (25 Lakh to 50 lakh) Stock 25% , BD50% 11.50%
Hypothication CC (Above 50 lakh) Stock 25% , BD50%
Rating : AA (More than 90 Marks) 10.00%
Rating : A (81 to 90 Marks) 10.25%
Rating : B (71 to 80 Marks) 10.50%
Rating : C (61 to 70 Marks) 11.00%
Rating : D (Less than 60 Marks) / without Rating 11.50%
Term Loan Industries (MSME) (Margin 25%) 84M/120M
Upto 25 Lakh 10.50%
Above 25 Lakh 11.50%
Personal Car Loan (New Vehicle) (Margin 20%) 84M
Rating : A (CIBIL Score 750 & Above OR CMR 1 to 3) 9.00%
Rating : B (CIBIL Score 700 to 749 OR CMR 4 to 7) 9.50%
Rating : C (CIBIL Score Below 700 OR CMR 8 to 10) 9.75%
Personal Car Loan (upto 4Y Old Vehivle, Margin 30%, 48M Re-pay) 11.00%
HPV Commercial (Margin 25%) 60M
Rating : A (CIBIL Score 750 & Above OR CMR 1 to 3) 10.50%
Rating : B (CIBIL Score 700 to 749 OR CMR 4 to 7) 11.00%
Rating : C (CIBIL Score Below 700 OR CMR 8 to 10) 11.50%
Two Wheeler Vehicle Loan (Margin 25%) 60M
Rating : A (CIBIL Score 750 & Above OR CMR 1 to 3) 11.50%
Rating : B (CIBIL Score 700 to 749 OR CMR 4 to 7) 12.00%
Rating : C (CIBIL Score Below 700 OR CMR 8 to 10) 12.50%
Housing Loan (Upto 25 Lakh) ( Cost Margin 10%) 240M
Rating : A (CIBIL Score 750 & Above OR CMR 1 to 3) 9.00%
Rating : B (CIBIL Score 700 to 749 OR CMR 4 to 7) 9.50%
Rating : C (CIBIL Score Below 700 OR CMR 8 to 10) 9.75%
Housing Loan (25 Lakh to 70 Lakh) ( Cost Margin 10%) 240M
Rating : A (CIBIL Score 750 & Above OR CMR 1 to 3) 9.50%
Rating : B (CIBIL Score 700 to 749 OR CMR 4 to 7) 10.00%
Rating : C (CIBIL Score Below 700 OR CMR 8 to 10) 10.25%
Housing Loan 70 Lakhs Above (CIBIL 700+) 11.00%
Education Loan (Margin Cost 25%) 84M/120M
Upto 20 Lakh 10.50%
Above 20 Lakh 11.25%
Secure CC (Mortgage) MSME Business (RV Margin 25% and Above)
Upto 25 Lakh 12.50%
Above 25 Lakh 13.40%
LAP MSME, Business, Profession etc. (RV Margin 25% and Above) 120M
Upto 25 Lakh 12.50%
Above 25 Lakh 13.50%
Gold Loan (દાગીના સામે) (૨ લાખ સુધી બુલેટ પેમેન્ટ 12M) 10.00%
Cash Credit Small Business (Upto 5 Lakh) 13.50%
MT Loan (Short Loan)
Upto 1 Lakh (તા. 02-02-2023 થી અમલમાં) 48M 10.50%
1 Lakh to 2 Lakh 36M 13.50%
Agriculture Finance - Agri and allied Activities, 12M (Upto 1 lakh) 10.00%
1 Lakh to 2 Lakh (પ્રતિ વિઘા રૂપિયા 1 લાખ લેખે) 10.00%
2 Lakh to 4 Lakh (પ્રતિ વિઘા રૂપિયા 80 હજાર લેખે) 10.00%
Salaried Person Loan - 60M - Max 5 Lakh 12.50%
TL Agri Machinery Secure Loan - Max 10 Lakh - 84M 10.50%
Micro Finance 12.50%
LIC/KVP/Post Certificate Loan 12.50%
Renewable Energy Solar Rooftop Loan (Margin Cost 25%) 120M
વ્યક્તિગત 10 લાખ સુધી 10.50%
MSME, ધંધા વ્યવસાય હેતુ - 50 લાખ સુધી 11.50%
Agriculture Gold Loan (દાગીના સામે) (75% of value) (5 લાખ સુધી બુલેટ પેમેન્ટ 12M) 10.00%
#CIBIL Score=CIBIL Vision Score Only -
* HPC, TLI, HL, Education, Solar જેવી રેગ્યુલર લોન પ્રોડક્ટમાં પ્રાયોરીટી કમ વિકરના કિસ્સામાં બોર્ડ ઓફ ડિરેક્ટર કે લોન કમિટીની મંજુરીથી 0.25% સુધી વ્યાજ દરમાં તા. 02-02-2023 થી રાહત આપી શકાશે. -