Note : The interest rates are given below may be fluctuate. Interest Rates are subject to change without any notice. Kindly co-operate with the bank for the same. The interest rates are effective from 01/05/2026

Deposit Type	Plain	C.T.D. & Pension Deposit Scheme	R.I.S.
A) Current Deposit	-	-	-
B) Saving Deposit
Saving Deposit (Regular)	2.50%	-	-
Basic Saving Deposit	2.50%	-	-
Little Champ Saving Deposit	2.50%	-	-
Centwin Gold Saving Deposit	2.50%	-	-
Centwin Platinum Saving Deposit	2.50%	-	-
Centwin Gold Platinum Saving Deposit for balance amount up to Rs. 1,00,000.00 for balance amount above Rs. 1,00,000.00	2.50% 3.00%	- -	- -
C) Term Deposit
7 Days to 45 Days	3.50%	-	-
46 Days to 89 Days	3.75%	-	-
90 Days to 135 Days	4.25%	-	-
136 Days to 180 Days	5.00%	-	-
181 Days to 364 Days	5.50%	-	-
365 Days to 15 Months	6.75%	6.50%	6.50%
Above 15 Months to 2 Years	6.50%	6.25%	6.25%
Above 2 Years to 3 Years	6.50%	6.25%	6.25%
3 Years to 5 Years	6.50%	6.25%	6.25%
Above 5 Years to 10 Years Complete	6.50%	6.25%	6.25%
D) Urban Tax Savings Deposit Scheme (415) (Regular/General Customers)	6.50%	-	6.25%
E) Kutumb Pramukh Tax Savings Deposit Scheme (417) (Senior Citizen)	6.75%	-	6.50%
F) Dam Didpat Deposit Scheme (402)
78 Months and 14 Days (Regular Customer)	6.25%	-	-
71 Months and 25 Days (Senior Citizen)	6.85%	-	-
72 Months and 21 Days (Staff & Retired Staff)	6.75%	-	-
Extra Interest Rate : a) 0.60% extra interest rate for senior citizens on term deposit. b) 0.50% extra interest rate for staff and retired staff. c) 1.10% extra interest rate if both senior citizens and retired staff. d) 0.25% extra interest rate for staff and retired staff, other term deposits Rs. 1.00 crore & above (it is not applicable for senior citizens and senior citizen retired staff). e) Extra interest rates are not applicable to Urban Tax Savings Deposit Scheme, Kutumb Pramukh Tax Savings Deposit Scheme.

Note : The interest rates are given below may be fluctuate. Interest Rates are subject to change without any notice. Kindly co-operate with the bank for the same. The interest rates are effective from 30/10/2026

Period	Less than 1 Crore	For 1 Crore	More than 1 Cr Less than or Equal to 1.15 Cr	More than 1.15 Cr Less than or Equal to 1.50 Cr	More than 1.50 Cr Less than or Equal to 2 Cr	More than 2 Cr Less than or Equal to 3 Cr	More than 3 Cr
C) Term Deposit
7 Days to 45 Days	3.50%	3.75%	3.90%	4.00%	4.10%	4.10%	4.10%
46 Days to 89 Days	3.75%	4.00%	4.15%	4.25%	4.35%	4.35%	4.35%
90 Days to 135 Days	4.25%	4.50%	4.65%	4.75%	4.85%	4.85%	4.85%
136 Days to 180 Days	5.00%	5.25%	5.40%	5.50%	5.60%	5.60%	5.60%
181 Days to 364 Days	5.50%	5.75%	6.00%	6.25%	6.10%	6.15%	6.15%
365 Days to 15 Months	6.75%	7.00%	7.25%	7.50%	7.35%	7.35%	7.35%
Above 15 Months to 2 Years	6.50%	6.75%	6.90%	7.25%	7.10%	7.10%	7.10%
Above 2 Years to 3 Years	6.50%	6.75%	6.90%	7.00%	7.10%	7.10%	7.10%
3 Years to 5 Years	6.50%	6.75%	6.90%	7.00%	7.10%	7.10%	7.10%
Above 5 Years to 10 Years Complete	6.50%	6.75%	6.90%	7.00%	7.10%	7.10%	7.10%

Note : The interest rates are given below may be fluctuate. Interest Rates are subject to change without any notice. Kindly co-operate with the bank for the same. The interest rates are effective from 10/12/2025.

Type of Loan	Int. Rate
Gold Loan
Upto Rs. 2 Lakh	8.50%
Above Rs. 2 Lakh but upto Rs.25 Lakh	9.00%
Above Rs.5.00 Lakh but upto Rs.100.00 Lakh	10.00%
N.S.C., L.I.C. Policy	9.00%
Loan for Household Items (Consumer Durable Loans) (Max upto Rs 1 Lakh)	13.50%
Home Loan (For House Purchase & Construction) (New Scheme)
For Cities/Centres with population below 10 Lakh - Loan upto Rs.35.00 Lakh (having maxmium cost of dwelling unit Rs.44 Lakh) For Women For Others	8.00% 8.50%
For Cities/Centres with population of 10 lakh and above but below 50 lakh - Loan upto Rs.45 Lakh (having maxmium cost of dwelling unit Rs.57 Lakh For Women For Others	8.00% 8.50%
For Cities/Centres with population of 50 lakh and above - Loan upto Rs.50.00 Lakh (having maxmium cost of dwelling unit Rs.63 Lakh) For Women For Others	8.00% 8.50%
For Other than above - Upto Rs.100 Lakh (No limit for cost of dwelling unit) (For womens & others) above Rs.100 Lakh & upto Rs.200 Lakh (No limit for cost of dwelling unit) (For womens & others)	8.75% 8.75%
Home Loan (For Repairing)
For Cities/Centres with population below 10 Lakh - Loan upto Rs.10.00 Lakh (having maxmium cost of dwelling unit Rs.44 Lakh) For Women For Others	8.50% 9.00%
For Cities/Centres with population of 10 lakh and above but below 50 lakh - Loan upto Rs.12 Lakh (having maxmium cost of dwelling unit Rs.57 Lakh) For Women For Others	8.50% 9.00%
For Cities/Centres with population of 50 lakh and above - Loan upto Rs.15.00 Lakh (having maxmium cost of dwelling unit Rs.63 Lakh) For Women For Others	8.50% 9.00%
Home Loans (For Repairing) upto existing limit (Non-Priority Sector)	9.50%
Office / Gala Purchase for Personal Business (Loan upto Rs. 30 Lakh)	10.50%
Sakal Vahan Vehicle Scheme
Tenure : For Two Wheeler : Upto Rs.5 Lakh (Period 60 Months) For Four Wheeler : Upto Rs.500 Lakh (Period 84 Months)	8.00% 8.50%
Vehicle Loan (Commercial)
(For Own business usage, Max 7 years)	9.50%
Vehicle Loan (Commercial) (For commercial usage, Max 7 years)
Three / Four Wheeler	11.00%
Six Wheeler	11.50%
Above Six Wheels Commercial Vehicle	12.00%
Pledge or Warehouse Receipt (Tenure : 12 Months*)	10.00%
Personal Loan, Clean Cash Credit (who's Salary credited in our bank) upto Rs. 5.00 Lakh	12.50%
Personal Loan, Clean Cash Credit (for others) upto Rs. 5.00 Lakh	14.50%
Commercial Real Estate	12.00%
Cash Credit - Against Stock and Debtors
Upto Rs. 30.00 Lakhs	11.00%
Above Rs. 30.00 Lakhs to Rs. 50.00 Lakhs	12.00%
Above Rs. 50.00 Lakhs	13.50%
Cash Credit - Against Property / Machinery
Upto Rs. 30.00 Lakhs	11.00%
Above Rs. 30.00 Lakhs to Rs. 50 Lakhs	12.00%
Above Rs. 50.00 Lakhs	13.50%
Other Terms Loans (Based on Sanctioned Limit, Except Home Loans)
Upto Rs. 30.00 Lakhs	11.00%
Rs. 30.00 Lakhs to Rs. 50.00 Lakhs	12.00%
Above Rs. 50.00 Lakhs	13.00%
Cheque and Hundi Discounting / D.D. Discounting	15.75%
Festival Cash Credit	15.75%
Food Industries (Manufacturing / Production)	10.00%
Packaging Industries	10.50%
Urban Rent Discounting Loan Scheme (Tenure : As per Agreement* or Maximum 20 Years Whichever less)	12.00%
Urban Vidyajyoti Educational Loan Scheme
1) Upto Rs.25 Lakh (Priority Sector Lending)	9.00%
2) Above Rs.25 Lakh to upto Maximum Individual Exposure of Bank	9.50%
Medical Business
New Machinery Purchasing	10.50%
Other Medical Business	10.50%
Pigmy Deposit Loan	11.00%
Karad Urban Krishi Sanjeevani Loan Scheme (for Agriculture and Allied Activities)
Upto 5 Acre	10.50%
Above 5 Acre	11.00%
Karad Urban Krishi Sanjeevani Cash Credit Scheme (for Agriculture and Allied Activities) (for existing Karad Urban Krishi Sanjeevani Loan borrowers)
Upto 5 Acre upto Rs.5 Lakh	10.50%
Above 5 Acre upto Rs.5 Lakh	11.00%
Karad Urban Udyogvardhini Loan Scheme (for MSMEs)
Micro Enterprises
Upto Rs.30 Lakhs	9.00%
Above Rs 30 Lakhs to Rs 50 Lakhs	9.25%
Above Rs 50 Lakhs to Rs 500 Lakhs	10.00%
Small and Medium Enterprises
Upto Rs.30 Lakhs	9.50%
Above Rs.30 Lakhs to Rs.50 Lakhs	10.00%
Above Rs.50 Lakhs to Rs.500 Lakhs	11.00%
MSME Loans to Womens	9.00%
Karad Urban Akshay Urja Loan Scheme (for Renewable Energy)
Personal Use - Upto Rs.5 Lakhs	9.00%
Commercial Use - Upto Rs.200 Lakhs	9.50%
Affected by Natural Disaster (For Members)	9.50%
Laptop Loan	9.50%
Karad Urban Sukshma Anna Prakriya Udyog Yojana (affiliated with PMFME)	9.25%
Vina Tarani Karja Yojana for Ladies	9.00%
Saksham Patdharak Yojana
Tarani Karje (Secured)	8.50%
Vina Tarani Karje (for individuals) (Unsecured)	9.50%
Karad Urban Stree Vendor Scheme	12.00%
Karad Urban Rojgar Nirmiti Karj Yojana
Term Loan	9.00%
Cash Credit	11.00%
Karad Urban Arthik Vikas Karj Yojana	12.00%
Karad Urban Mahila Kendrit Paryatan Udyog (AAI) Karj Yojana	12.00%
Karad Urban Mahila Bachat Gat Karj Yojana
1. Self Help Group	12.00%
2. Joint Liability Group	12.00%
Karad Urban Parashuram Arthik Vikas Karj Yojana	12.00%