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  •   પ્રિય ગ્રાહક, જો તમારા એકાઉન્ટ માંથી તમારી સંમતિ વગર નાણાં ડેબિટ થયા હોય તો(Fraud), તાત્કાલિક Online Transaction સેવા બંધ કરવા માટે SMS to 9607877466 STOP(SPACE) (XXXXXX) Last 6 Digit A/C Number.

      

      Dear Customer, Outward IMPS/NEFT is now available 24*7*365 on Mobile Application and Net Banking.

      

      જો આપની સાથે ઑનલાઈન નાણાંકીય ફ્રોડ કે અન્ય સાયબર ક્રાઈમ થાય છે તો તુરંત 24 કલાક કાર્યરત સાયબર ક્રાઈમ ફરિયાદ નંબર 1930 પર કોલ કરો અથવા નેશનલ સાયબર ક્રાઈમ રિપોર્ટિંગ પોર્ટલ (NCCRP) www.cybercrime.gov.in વેબ સાઈટ પર ફરિયાદ કરી શકો છો.

      

      Beware of phishing, vishing and smishing frauds! Bank officials will NEVER ask sensitive information i.e. OTP, passwords, PIN, card details, CVV, etc. DO NOT share these details with anyone over phone, SMS or email.

      

      "AMCO SAATHI" Scheme for MSME finance up to Rs. 89.00 Lakh Working capital/Term Loans for new/takeover accounts. ROI starting @7.75%* Zero processing Charges. T&C Apply. Contact Nearest Branch.

      

      Dear Customer,You can block ATM Card through Mobile,Netbanking or by SMS as BLOCK (space) (15 Digit A/c Number) to 8750587505 from registered mobile.

      

      Dear Customer, ensure registering your mobile and email with your account to get updates and alerts in time.

      

      પ્રિય ગ્રાહક, આરબીઆઈ ના આદેશ મુજબ w.e.f 01-01-2021 Rs. 50,000 કે તેથી વધુ ના ચેક લખતા પહેલા Positive Pay System (PPS) રજીસ્ટ્રેશન કરવું જરૂરી છે. આ રજીસ્ટ્રેશન બેંક ના ઈન્ટરનેટ બેન્કિંગ અથવા મોબાઈલ બેન્કિંગ લોગ-ઈન થી કરી શકો છો.

      

Loan Intertest Rate


Changes in the Interest Rate of Advances w.e.f.01.07.2024

Sr.No.

Type of Loans

Interest Rate

1 Against Govt. Securities/NSC/KVP/LIP/Relief Bond 8.75%
2 Education Loan
i) Education Loan (up to Rs. 20/- Lakh) 100% or more collateral 8.75%
ii) Education Loan (Above Rs.20/- Lakh up to Rs.100/- Lakh) 100% or more collateral 8.75%
iii) Collateral less than 100% (Maximum unsecured portion should not exceed Rs.5/- Lakh) 10.00%
3 Gold Loan (Maximum One Year) 13.25%
4 Auto Loan
a) Car Loan up to 25.00 Lakh
8.25% 

Car Loan from 25.00 Lakh to 50.00 Lakh
8.10% *

Car Loan above 50 Lakh 
7.90% *

For Electric Car8.00%

Car Loan For Physically Handicaped person#8.00%
b) Two Wheelers/CNG Rikshaw/Other Commercial Vehicles** 10.25%
c)Commercial Vehicles (Existing Borrowers)**(where existing mortgage is there)8.75%
c) Used Cars (Not more than 2 years old) 13.75%
5 Consumer Durables (Household Goods) 12.75%
6 Doctors Loan
i) (with 100% or more Collateral Security) 8.85%
ii) (without Collateral Security or less than 100% Collateral Security) 9.10%
7 Self Employed/Service Enterprises/Professionals 9.85%
8 a)

Housing Loan (upto Rs.75/- Lakhs) (Floating Rate)


Interest rate for all kinds of borrowers (woman/man)

8.50%
b)

Housing Loan (more than Rs.75/- Lakhs) (Floating Rate)


Interest rate for all kinds of borrowers (woman/man)

8.50%
c)Housing Loan (Fixed rate)9.50%
9 Top-up Loan on Housing Loan 9.75%
10 Housing Rennovation Loan
a) For Civil Work (Same as applicable to Housing Loan) 8.50%
b) For Furniture and Fixtures covered by REM (same as applicable to Housing Top- up Loan) 9.75%
11 Loan for Solar Roof Top-(Industrial Household Purpose) 9.00%
12 Demat Shares (up to Rs.10/- Lakhs) 9.75%
13 (a) Loans/Overdrafts to Builders/Contractors against Real Estate (Old Scheme) 12.75%
(b) Loans/Overdrafts to Builders/Contractors Under CRE (New Scheme Project Loan)
(i) Without Collateral Security and only prime security of land 13.00%
(ii) With Collateral Security 25% upto 50% of loan value and only prime security of land 12.50%
(iii) With Collateral Security 50% upto 100% of loan value and only prime security of land 12.25%
(iv) With Collateral Security 100% of loan value and only prime security of landd 12.00%

Note :

* conditions Apply
** Borrowers for commercial purposes who have secured loans from existing borrowers of the bank and have provided collateral security. Interest rate of 8.75% will be applicable on purchase of vehicles like Staff bus, Truck, Tractor, Tempo, JCB.

14 Trade Industry for Working Capital : New rate w.e.f 01.06.2023
Working Capital Advances Coll. Sec. Less Than 100% Coll. Sec.100% or more
1 Working Capital Limit up to Rs.97/- Lakh 9.35% 8.85%
2 Card Rate (For all unrated accounts having limits Rs.97/- Lakh and more) 9.75% 9.25%
3 If Working Capital Limit (Comp. C.C. + Secured C.C.) is for Rs.100/- Lakh and more (with Credit Rating)
(a) For Credit Rating “A” (more than 70 marks) #
8.75
(b) For Credit Rating “B” (for marks above 50 and up to 70) #
9.25%
(c) For Credit Rating “C” (for marks 50 or less) #
9.75%
15 Secured C.C./OD against immovable property (For unrated accounts) Limit upto
Rs.97/- lakh
Limit >
Rs.97.00 lakh
(i) If margin is ≥ 40% 9.00% 9.25%
(ii) If margin is ≥ 30% and < 40>9.25% 9.50%
(iii) If margin is < 30>9.50% 9.75%
16 Bills Discounting under L.C. of prime bank 8.00%
17 Clean Cash Credit/Overdraft (up to Rs.5/- Lakhs) 13.25%
18 Hypothecation of Plant and Machinery (Term Loan)
(i) More than 100% collateral (For new Sanction only) 8.75%
(ii) More than 75% and upto 100% collateral 9.25%
(iii) 75% or less collateral 9.75%
19 (i) Mortgage Loan with ≥ 40% Margin 9.25%
(ii) Mortgage Loan with ≥ 30% and < 40> Margin
9.50%
(iii) Mortgage Loan with < 30> Margin
9.75%
20 Term Loan for purchase of Office Factory-Land and Shed/ Godown/ Commercial Property-Secured by Coll. Sec. 9.25%
21 Term Loan (Other Fixtures) 10.00%
22 Temporary Loan / Ad hoc limit
(If Collateral Security is less than 80%) 13.25%
(If Collateral Security is 80% and above) 12.25%
23 Excess over sanctioned limit 13.75%
24 AMCO Jan Kalyan Term Loan / Limit 13.50%
25 Loan/OD against Deposit
(a) Loan/OD/against own deposit Deposit Rate +1.00%
Deposit Rate +2.00%
(b) Loan/OD/against third party deposit
26 Atmanirbhar Laghu Udhyog Protsahan Scheme (for working capital and machinery term loan) 10.75%
27 Term Loan for purchase of Shop cum Ware house for Agriculture Allied Activities 8.25%
28 Lease/Rental Discount (As per LRD policy)
(i) If Market value of Collateral Security is 150% 10.50%
(ii) If Market value of Collateral Security is 200% 10.25%
(iii) If Market value of Collateral Security is 250% 10.00%
(iv) If Market value of Collateral Security is 300% 9.75%
29 AMCO-Khushi Personal Loan 11.00%

Working capital utilization rebate is withdrawn

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