INTEREST ON LOAN & ADVANCES
1. Housing Loan Residential(to others) 8.50%
2. Housing Loan(to Staff) 5.50%
3. Additional Housing Loan(to Staff)
4. Housing Loan Commercial Complex 11.75%
5. Personal Loans(to Govt. Servant) 11.25%
6. Personal Loans(to Others) 14.50%
7. Personal Loans(to Staff) 7.30%
8. Personal Loans(to Staff) NP 7.30%
9. Personal Loans against Mortgage (Salaried) 9.60%
10. Personal Loans against Mortgage to Staff 7.30%
11. Personal Loans against Mortgage to Non-Salaried 11.50%
12. Advance to Staff 0.00%
13. Business Loans
1 lakh to 2 lakh 11.00%
Above 2 lakh 11.50%
Above 20 Lakhs 12.00%
14. Transport Loans/ Vehicle Loans
Two Wheeler(to staff) 7.30%
Two Wheeler(to others) 12.25%
Four Wheeler(Govt Scheme) 9.00%
Four Wheeler(to Staff) 7.30%
15. Transport Loans/ Vehicle Loans(4 Wheeler Non-Commercial)
Upto 1 Lac 9.50%
above 1 Lac 9.50%
16. Transport Loans/ Vehicle Loans(4 Wheeler Commercial)
Above Rs. 1,00,000/- 9.90%
Small Scale Industries 11.00%
Educational Loans 10.00%
Educational Loan to Staff 7.30%
17. Gold Loan
Above 1 lakh and Upto 2 lakh 9.50%
Pledge of Gold Ornaments upto 2 Lacs 9.50%
Above 2 Lacs 10.50%
Consumer Loan 14.00%
18. Long Term Industrial Loan
Upto to 1 Lac 11.30%
upto 2 Lacs 11.50%
above 2 Lacs 12.25%
Micro Finanace 15.00%
OD CLEAN 13.75%
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 10.90%
Overdraft (Gold) Max Lmt: 200000 9.50%
Overdraft (Unsecured) Max Lmt: 50000 15.00%
19. CASH CREDIT
Upto to Rs. 1,00,000/- 11.50%
Above 1,00,000 and Upto Rs. 2,00,000/- 12.25%
Above 2,00,000/- 12.75%
PM Svanidhi 15.00%
MORTGAGE LOAN 10.90%
TL-Agri Loan(General) 11.00%
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%
TL-Allied Agriculture Activity 11.00%
TL-Sports & Wellness Scheme 11.00%
Overdraft (Mortgage) Priority 10.90%
PROCESSING FEE & CHARGES
SERVICE CHARGES
1. Commission on Call Deposit -
Upto to Rs. 2,000/- Rs. 60/-
Rs.2, 001/- to Rs. 5000/- Rs. 100/-
Rs.5, 000/-to Rs. 10,000/- Rs. 120/-
Above Rs. 10,000 to Rs. 25,000/- Rs. 180/-
Above Rs.25,000/- Rs. 250/-
2. Commission on Fixed Deposit (Pledged)
Upto to Rs. 20,000/- Rs. 150/-
Rs.20,001/- to Rs. 50,000/- Rs. 200/-
Rs.50, 001/- to Rs. Rs. 100,000/- Rs. 300/-
Above Rs.100, 000/- Rs. 400/-
3. Commission on Bank Guarantee Rs. 2500/-
4. Commission for Discounting of Cheques and other instruments shall be as under
Upto to Rs. 10,000/- Rs. 100/-
Rs.10, 001/- to Rs. 20,000/- Rs. 200/-
Rs.20, 001/- to Rs. Rs. 50,000/- Rs. 700/-
Rs.50, 001/- to Rs. Rs. 100,000/- Rs. 1000/-
Rs.100, 001/- to Rs. Rs. 200,000/- Rs. 2000/-
Above Rs.200, 000/- Re. 1/- per thousand
5.Commission for issuing at par Cheque/Bankers cheque
Upto Rs. 5,000/- Rs. 50/-.
Above Rs. 5,000/- Rs. 3.00 per Thousand subject to a minimum of Rs.60/-
6.Commission on Cancellation of Bankers Cheque: Rs. 250.00 per Cheque.
7. Commission on IBC
Rs. 8/- per hundred subject to a minimum Rs.750/-
8. Cheque Return Charges
Rs. 250/- per instrument for individual
Rs. 350/- per instrument for non individual
9. 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. 250/-
SB A/C without Cheque Book Rs. 100/-
10. Closure of CD Account within 3 months of its opening (Exemption in case of death)–
Rs. 250/-
11. Minimum Balance
SB A/C- Rs. 200 (without Cheque Book) and Rs. 500/- (with Cheque Book)
Current A/C – Rs. 1000/-
12. IC for Inoperative account – Rs. 25/- per annum
13.Issue of Duplicate Deposit Receipt – Rs. 50/- per instrument
14. Issue of Duplicate Pass Book – Rs. 50/-
Loan Type
Housing Loan (Residential) :-
Commercial Real Estate :-
Personal Loan -
Personal Loan Against Mortgage
Car Loan -
Business Loan / Cash Credit
Upto ₹. 25, 000/-
Above ₹. 25,000/-: -
a) Mortgage Loan (Overdraft/ Term Loan)
(b) Mortgage Loan [PSL] (Overdraft/Term Loan)
Micro Finance
Homestay Scheme
Sports & Wellness Scheme
Education Loan –
Loan against LIC/KVP/IVP
Upto ₹. 25, 000/-
₹. 25, 001/- to ₹. 1, 00,000/-
Above ₹. 100000/-
Loan against TD
Loan against Gold ornaments –
Upto₹. 1, 00,000/-
Above ₹. 1, 00,000/-
CM Elevate Schemes
Processing Fee to be Charged
@0.10% of the amount sanctioned. Minimum ₹. 500/-
@0.15% of the amount sanctioned. Minimum ₹. 500/-
@ 0.20% of the amount sanctioned. Minimum ₹. 500/-
@ 0.15% of the amount sanctioned. Minimum ₹. 500/-
@ 0.15% of the amount sanctioned. Minimum ₹. 500/-
NIL
@0.10% of the amount sanctioned. Minimum ₹. 500/-
@0.15% of the amount sanctioned. Minimum ₹. 500/-
@ 0.10% of the amount sanctioned. Minimum ₹. 500/-
@ 1.00% of the amount sanctioned.
@ 0.10% of the amount sanctioned. Minimum ₹. 500/-
@0.10% of the amount sanctioned. Minimum ₹. 500/-
NIL
NIL
₹. 200/-
₹. 500/-
₹. 200/-
₹. 200/-
₹. 400/-
@ 0.10% of the amount sanctioned. Minimum ₹. 500/-