INTEREST ON LOAN & ADVANCES
1. Housing Loan Residential(to others) 8.60%
2. Housing Loan(to Staff) 5.50%
3. Housing Loan Commercial Complex 11.70%
4. Personal Loans(to Govt. Servant) 11.50%
5. Personal Loans(to Others) 14.00%
6. Personal Loans(to Staff) 7.30%
7. Personal Loans(to Staff) NP 7.30%
8. Personal Loans against Mortgage (Salaried) 9.55%
9. Personal Loans against Mortgage to Staff 7.30%
10. Personal Loans against Mortgage to Non-Salaried 11.50%
11. Advance to Staff 0.00%
12. Business Loans
1 lakh to 2 lakh 11.00%
Above 2 lakh 11.50%
Above 20 Lakhs 11.50%
13. Transport Loans/ Vehicle Loans
Two Wheeler(to staff) 7.30%
Two Wheeler(to others) 11.75%
Four Wheeler(Govt Scheme) 9.00%
Four Wheeler(to Staff) 7.30%
14. Transport Loans/ Vehicle Loans(4 Wheeler Non-Commercial)
Upto 1 Lac 9.50%
above 1 Lac 9.50%
15. Transport Loans/ Vehicle Loans(4 Wheeler Commercial)
Above Rs. 1,00,000/- 10.00%
Small Scale Industries 11.00%
Educational Loans 9.00%
Educational Loan to Staff 7.00%
16. Gold Loan
Above 1 lakh and Upto 2 lakh 9.00%
Pledge of Gold Ornaments upto 2 Lacs 9.20%
Above 2 Lacs 11.20%
Consumer Loan 13.50%
17. Long Term Industrial Loan
Upto to 1 Lac 11.50%
upto 2 Lacs 11.50%
above 2 Lacs 13.00%
Micro Finanace 15.00%
OD CLEAN 13.50%
OD AGINST FDR 1% above FDR
OD AGINST NSC 9.00%
OD AGINST LIC 9.00%
OD AGINST KVP 9.00%
OD TO STAFF 7.30%
Overdraft (Mortgage) Max Lmt: 5000000 12.50%
Overdraft (Gold) Max Lmt: 200000 9.00%
Overdraft (Unsecured) Max Lmt: 50000 15.00%
18. CASH CREDIT
Upto to Rs. 1,00,000/- 12.00%
Above 1,00,000 and Upto Rs. 2,00,000/- 12.25%
Above 2,00,000/- 12.75%
PM Svanidhi 15.00%
MORTGAGE LOAN 11.50%
TL-Agri Loan(General) 11.20%
TL-Agri Loan(Govt) 9.00%
Cash Credit (Allied Agri Activity) upto 1 Lac 12.00%
Upto 2 Lacs 12.25%
Above 2 Lacs 12.75%
PRIME Tourism Vehicle Scheme 9.00%
AGRO Tourism Villa Scheme 9.00%
TL- Homestay Scheme 10.00%
PRIME Agri Response Vehicle scheme- PickUp 9.00%
PRIME Agri Response Vehicle scheme- Refrigerated 9.00%
PRIME Agri Response Vehicle scheme- Mini Truck 9.00%
Meghalaya Polyhouse Scheme- Nat vent 9.00%
MEghalaya Polyhouse Scheme- Hi Tec 9.00%
Meghalaya Warehouse scheme 9.00%
Meghalay Piggery Dev Scheme 9.00%
Meghalaya Dairy Dev SCheme 9.00%
Meghalaya Goat Farming Scheme 9.00%
Meghalaya Poultry Farming Scheme 9.00%
Meghalaya Sports & Wellness Scheme 9.00%
Meghalaya Any Business Venture Scheme 9.00%
PROCESSING FEE & CHARGES
1. Housing Loan - @ 0.10% of the amount sanctioned. Minimum Rs. 500/-
2. Personal Loan - @ 0.20% of the amount sanctioned. Minimum Rs. 500/-
3. Personal Loan Against Mortgage – @ 0.15% of the amount sanctioned. Minimum Rs. 500/-
4. Car Loan - @ 0.15% of the amount sanctioned. Minimum Rs. 500/-
5. Business Loan –
Upto Rs.25, 000/- NIL
Above Rs. 25,000/- @0.10% of the amount sanctioned. Minimum Rs. 500/-
6. Education Loan – NIL
7. Loan against LIC/KVP/IVP -
Upto Rs.25, 000/- NIL
Rs.25, 001/- to Rs.1, 00,000/- Rs. 200/-
Above Rs. 100000/- Rs. 500/-
8. Loan against TD - Rs.200/-
9. Loan against Gold –
Upto Rs. 1, 00,000/- Rs.200/-
Above Rs. 1, 00,000/- Rs. 400/-
SERVICE CHARGES
1. Commission on Call Deposit -
Upto to Rs. 2,000/- Rs. 40/-
Rs.2, 001/- to Rs. 5000/- Rs. 60/-
Rs.5, 000/-to Rs. 10,000/- Rs. 80/-
Above Rs. 10,000 to Rs. 25,000/- Rs. 120/-
Above Rs.25,000/- Rs. 150/-
2. Commission on Fixed Deposit (Pledged)
Upto to Rs. 20,000/- Rs. 100/-
Rs.20, 001/- to Rs. 50,000/- Rs. 150/-
Rs.50, 001/- to Rs. Rs. 100,000/- Rs. 200/-
Above Rs.100, 000/- Rs. 250/-
3. Commission on Bank Guarantee Rs. 1500/-
4. Commission for Discounting of Cheques and other instruments shall be as under
Upto to Rs. 10,000/- Rs. 55/-
Rs.10, 001/- to Rs. 20,000/- Rs. 150/-
Rs.20, 001/- to Rs. Rs. 50,000/- Rs. 450/-
Rs.50, 001/- to Rs. Rs. 100,000/- Rs. 750/-
Rs.100, 001/- to Rs. Rs. 200,000/- Rs. 1500/-
Above Rs.200, 000/- Re. 1/- per thousand
5.Commission for issuing at par Cheque/Bankers cheque
Re. 1/- per thousand subject to a minimum of Rs.30/-.
6. Commission on IBC
Rs. 8/- per hundred subject to a minimum Rs.750/-
7. Cheque Return Charges
Rs. 100/- per instrument for individual
Rs. 150/- per instrument for non individual
8. Closure of SB Account within 12 months of its opening (Exemption in case of death of a depositor)
SB A/C with Cheque Book Rs. 100/-
SB A/C without Cheque Book Rs. 50/-
9. Closure of CD Account within 3 months of its opening (Exemption in case of death)–
Rs. 100/-
10. Minimum Balance
SB A/C- Rs. 200 (without Cheque Book) and Rs. 500/- (with Cheque Book)
CD A/C – Rs. 1000/-
11. IC for Inoperative account – Rs. 25/- per annum
12.Issue of Duplicate Deposit Receipt – Rs. 40/- per instrument
13. Issue of Duplicate Pass Book – Rs. 40/-