Latest Interest Rates & Loan Schemes
Explore attractive fixed deposit rates up to 8.35% p.a. (with +0.50% p.a. bonus for senior citizens) and low-interest salary-linked employee loan schemes starting from 8.90% p.a. DICGC insured & RBI licensed.
Up to 8.35%* p.a.
Fixed Deposit Return
+0.50% p.a.
Senior Citizen Bonus
Starting 8.90%* p.a.
Employee Loan Schemes
100% DICGC
Insured Deposit Protection
Fixed Deposit Yield Comparison
Visual return comparison between General Citizen and Senior Citizen interest rates
Fixed Deposit (FD) Slabs
| Tenure Period | General Rate (p.a.) | Special Benefits / Senior Citizen |
|---|---|---|
| 29 – 90 Days | 5.00% | Senior Citizens: 5.50% |
| 91 – 180 Days | 6.00% | Senior Citizens: 6.50% |
| 181 – 364 Days | 6.50% | Senior Citizens: 7.00% |
| 1 Year – 2 Years | 7.10% | Senior Citizens: 7.60% |
| 2 Years – 3 Years | 8.00% | Senior Citizens: 8.35% |
| 3 Years – 5 Years | 7.25% | Senior Citizens: 7.75% |
| Above 5 Years up to 10 Years | 7.50% | Senior Citizens: 8.00% |
Recurring Deposit (RD) Slabs
| RD Term / Period | Interest Rate | Estimated Maturity Benefits |
|---|---|---|
| 12 Months RD | 7.00% | ₹12,460 maturity on ₹1,000/mo deposit |
| 24 Months RD | 8.00% | ₹25,950 maturity on ₹1,000/mo deposit |
| 36 Months RD | 8.50% | ₹40,540 maturity on ₹1,000/mo deposit |
| 60 Months RD | 9.00% | ₹73,480 maturity on ₹1,000/mo deposit (Recommended) |
| 60-120 Months | 9.00% | Zero processing fee for Karmacharis |
Loan Interest Rates & Maximum Limits
Official rate matrix approved by Board of Directors (Effective 01/08/2026)
| Sr. | LOAN TYPE | MAX LIMIT | REVISED RATE | REPAYMENT TENURE |
|---|---|---|---|---|
| 1 | Home Loan Scheme (MEMHLN) | ₹50.00 Lakhs | 8.90% | 120 Months |
| 2 | Vehicle Loan 4-Wheeler | ₹25.00 Lakhs | 8.90% | 84 Months |
| -- | Vehicle Loan 2-Wheeler | ₹3.00 Lakhs | 8.90% | 36 Months |
| 4 | New Term / Personal Loan (NTL) | ₹20.00 Lakhs | 10.50% | 180 Months |
| 5 | Education Loan | ₹15.00 Lakhs | 8.90% | 48 Months |
| 6 | Gold Loan Regular | ₹2.00 Lakhs | 8.90% | 12 Months |
| 7 | Installment Gold Loan | ₹5.00 Lakhs | 8.90% | 36 Months |
| 8 | Medical Emergency Loan | ₹3.00 Lakhs | 8.90% | 24 Months |
| 9 | Special Child Medical Loan | ₹1.00 Lakh | 8.90% | 36 Months |
| 10 | Emergency Advance Loan (ETLN) | ₹25,000 | 11.00% | 24 Months |
| 11 | Mortgage / Property Loan | ₹50.00 Lakhs | 8.90% | 120 Months |
Revised Loan Limits & Interest Rates effective from 01/08/2026 per Executive Committee Resolution No. 5 & Board of Directors Approval.
Chief Executive Officer: Milind Gajanan Aade
Visual Loan Rates Comparison Chart
Compare interest rates (% p.a.) across all bank loan products
All Loan Product Details & Features
Home Loan Scheme (MEMHLN)
₹50.00 Lakhs
Vehicle Loan 4-Wheeler
₹25.00 Lakhs
Vehicle Loan 2-Wheeler
₹3.00 Lakhs
New Term / Personal Loan (NTL)
₹20.00 Lakhs
Education Loan
₹15.00 Lakhs
Gold Loan Regular
₹2.00 Lakhs
Installment Gold Loan
₹5.00 Lakhs
Medical Emergency Loan
₹3.00 Lakhs
Special Child Medical Loan
₹1.00 Lakh
Emergency Advance Loan (ETLN)
₹25,000
Mortgage / Property Loan
₹50.00 Lakhs
Important Notice Regarding Interest Rates
Interest rates listed above are subject to revision from time to time in accordance with instructions from the Reserve Bank of India (RBI) or Board decision. Actual loan eligibility and interest margins are based on individual applicant eligibility, repayment capacity, credit score (CIBIL), and membership category.
Up to 8.35%* p.a.
Fixed Deposit Returns
+0.50% Senior Bonus
For Senior Citizens
Starting 8.90%* p.a.
Low Rate Loan Schemes
DICGC Insured
Up to ₹5 Lakh Deposits
100% RBI Licensed
Class 'A' Audit Bank