Loan Interest Rates

Discover the latest interest rates that are applicable across all our loan products.

Type of Loans	*Minimum Interest Rate(%)**	*Maximum Interest Rate (%)**	Average Rate of Interest in last quarter (%)**	Processing Fees (% of the loan)	Effective Quarter
Fast Track Loan (Business)	26%	28%	NA	2.5% of loan amount (excluding applicable GST)	1st January 2026
Kisan Samman OD	11.00%	13.50%	11.52%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 2% to be charged upfront at the time of sanction + GST	31st Mar.2026
Kisan Pragati Card Cash Credit	13.00%	16.99%	13.91%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 2% to be charged upfront at the time of sanction + GS	31st Mar.2026
Kisan Pragati Card Term Loan	14.00%	16.99%	15.59%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST	31st Mar.2026
Kisan pragati card Abhimaan OD	11.00%	14.99%	12.42%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST	31st Mar.2026
Kisan pragati card Pisciculture OD	13.99%	14.50%	14.49%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST	31st Mar.2026
Kisan pragati card Pisciculture TL	14.99%	17.99%	NA	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST	31st Mar.2026
Kisan pragati card Poultry OD	13.50%	13.99%	14.33%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST	31st Mar.2026
Kisan pragati card Poultry TL	14.99%	17.99%	NA	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST	31st Mar.2026
KCC Interest Subvention Scheme	7.00%	7.00%	7.00%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST	31st Mar.2026
Agri Enterprise OD	12.00%	12.00%	12.00%	1% + GST on the Sanctioned amount to be charged upfront at the time of sanction	31st Mar.2026
Kisan Abhimaan Lite OD	17.00%	18.99%	17.96%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 2% to be charged upfront at the time of sanction + GST	31st Mar.2026
Kisan Abhimaan Lite TL	18.00%	19.99%	18.89%	Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 2% to be charged upfront at the time of sanction + GST	31st Mar.2026
Agri Group Loan	22.00%	22.00%	22.00%	-
Group Loan	22.90%	24.15%	23.38%	Nil for loans up to INR 50,000.1.2% (+GST) or INR 1,100 (+GST) whichever is lower for loans above INR 50,000	31st March,2026
Gold Loans	10.00%	17.90%	14.54%	Up to ₹ 1 Lacs - ₹ 600 > ₹ 1 Lacs to ₹ 2.5 Lacs - ₹ 1100 > ₹ 2.5 Lacs to ₹ 5 Lacs - ₹ 1300 > ₹ 5 Lacs to ₹ 15 Lacs - ₹ 1500 > ₹ 15 Lacs to ₹ 25 Lacs - ₹ 2000 > ₹ 25 Lacs - ₹ 3000 Note: GST will be applicable	1st April, 2026
PMSvanidhi - Tranche 1	24.00%	24.00%	NA
PMSvanidhi - Tranche 2	24.00%	24.00%	NA
PMSvanidhi - Tranche 3	24.00%	24.00%	NA
PM Vishwakarma - Tranche 1	13.00%	13.00%	13.00%	2% of the loan amount
Individual Loans	23.30%	24.80%	23.99%	2% of loan amount (excluding applicable GST)	31 March, 2026
Kisan Suvidha Loan	23.25%	23.25%	23.25%	-
Vehicle Finance - Two-Wheeler Loans	17.75%	24%	21%	Up to 4% of loan amount + GST or ₹5,000[inclusive of GST] whichever is lower	31st March, 2026
Trade Advance	14.25%	17%	15%	Rs. 5000 + GST	31st March, 2026
GECL (ECLGS)	9.25%	9.25%	NA	-
BusiMoni OD	16.00%	20.00%	16.03%	OD Limit - Up to 1 Lakh Above 1 Lakh Charges Rs 1,000 plus taxes as applicable Rs 1,500 plus taxes as applicable
Prime LAP- Semi-Formal	10.50%	15.50%	12.28%	1.5% - 2.5% of the loan amount, plus taxes as applicable	31st March, 2026
Elite Lap- Formal	9.50%	18.00%	11.25%	1.5% of the loan amount, plus taxes as applicable	31st March, 2026
Working Capital Overdraft	9.25%	20.00%	10.39%	upto 1% of the loan amount, plus taxes as applicable	31st March, 2026
Working Capital Term Loan	9.50%	11.60%	10.58%	upto 1% of the loan amount, plus taxes as applicable	31st March, 2026
Working Capital Cash Credit	9.00%	10.10%	9.70%	upto 1% of the loan amount, plus taxes as applicable	31st March, 2026
Supply Chain & Finance	9.50%	14.00%	10.97%	upto 2% of the loan amount, plus taxes as applicable	1st April, 2025
Micro Home Improvement Loan	17.00%	21.00%	18.85%	https://www.ujjivansfb.bank.in/personal/loans/micro-mortgages/micro-business-loan#micro-home	31st March, 2026
Micro Business Loan	18.00%	21.00%	19.71%	https://www.ujjivansfb.bank.in/personal/loans/micro-mortgages/micro-business-loan	31st March, 2026
Micro Loan Against Property	20.00%	22.00%	21.03%	https://www.ujjivansfb.bank.in/personal/loans/micro-mortgages/micro-business-loan#micro-loan-against-property	31st March, 2026
Micro-Mortgages BT+Top-UP	16.00%	24.00%	18.99%	https://www.ujjivansfb.bank.in/personal/loans/home-loans	31st March, 2026
Commercial Purchase	11.49%	14.99%	12.74%	https://www.ujjivansfb.bank.in/personal/loans/home-loans	31st March, 2026
Composite Home Loan	10.75%	13.99%	12.20%	https://www.ujjivansfb.bank.in/personal/loans/home-loans	31st March, 2026
HL Top Up	10.49%	13.99%	11.94%	https://www.ujjivansfb.bank.in/personal/loans/home-loans	31st March, 2026
Home Equity Loan	9.5%	18.99%	13.40%	https://www.ujjivansfb.bank.in/personal/loans/home-loans	31st March, 2026
Home Improvement loan	11.00%	17.99%	13.42%	https://www.ujjivansfb.bank.in/personal/loans/home-loans	31st March, 2026
Home Ready/Under-Construction Purchase	9.99%	16.00%	11.53%	https://www.ujjivansfb.bank.in/personal/loans/home-loans	31st March, 2026
Home Loan - Self Construction	9.99%	16.99%	11.98%	https://www.ujjivansfb.bank.in/personal/loans/home-loans	31st March, 2026

Mean Interest Rates of 2024

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