ADVANCES

Janata Sahakari Banlk Ltd., Pune    26-Jun-2014
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LOAN INTEREST RATE W.E.F. 01/07/2020
 

No.

Loan Type

Description

 Interest Rate

1

Personal Loan

Priority, Non Priority, Janata Varad Hasta, Other Hypothication Loan

14.00%

2

Educational Loan

Janata Edu flex CC Janata Edu flex Term loan

10.50%

   

Professional Edu flex – Cash Credit Term Loan

10.50%

3

Professional Loan

Pro-Growth

11.00%

4

 

Commercial / Industrial Loan

 

Cash credit
Consumer durable
Hypothecation
Land and building
long term
Plant and Machinery
WCTL
Pledge
13.00%
single card rate irrespective of loan amount

5

Builder Loan

Project loan – Builder finance

13.00%

6

Paper Security

LIC / NSC Paper security

11.00%

7

Fixed Deposit Loan

Loan against Fixed Deposit including Third party F.D.

F.D. Interest rate + 2%

8

Home Savings Loan

 Term Loan

Security Interest Rate + 2%

9

 Gold Loan

 Gold loan
Suvarna Ratna
Kanchan Ratna
Sulabh Karj Gold
Up to Rs 2.00 lakhs 
  A. Priority Sector 9.50%
  B. Non priority    9.75% 
 
Above Rs 2.00 lakhs
A. Priority Sector 10.15%
B. Non priority - 11.15%

10

Agriculture Loan :

 

12.15%

11

Home Loan

Home loan up to Rs 25.00 lakhs Janata Gruh Karj Ratnadurga Gruh
Women - 8.70%
Other - 8.85%
 
Additional concession of 0.10 if CIBIL score is 750 or more
 
 Home loan above Rs 25.00 lakhs Janata Gruh Karj Ratnadurga Gruh

9.50%

Additional concession of 0.10 if CIBIL score is 750 or more  

12

Udyam Vardhini

 

12.50%

13

Janata Sanganak Loan/Computer Loan/Mobile Loan

 Term Loan

11.00%

14

Dhanvantari Loan

 

14.00%

16

Mango Loan

 

11.50%

17

Janata Udyam Vikas

 

12.65%

18

Annapurna Loan

 

14.00%

19

Shares Loan

Maximum Limit Rs.10.00 Lac

11.00%

20

Rent Discounting Loan

 

12.50%

21

Jeevandoot Loan

 

12.65%

22

Vehicle Loan

Car Loan ( for personal use )/Dream Car

Two wheeler Loan 
Upto 36 months 8.60%
Upto 60 months 9.10%
Upto 84 months 9.35 

 

Commercial Loan

12.00%

23

Swapnapurti Karj Yojana

For Term Loan

Housing Loan Interest rate + 0.50%

 

 

For Cash Credit 

Housing Loan Interest rate  + 1.00%

 24   Ad hoc limit  Loan int rate + 3%
 25 Janata Udyogini As per Loan type
 Up to RS 10.00 lakh 11.00%
Above Rs 10.00 lakhs - as per policy 
 26 Janata Start up  
 Women Borrowers - 11.25%
other borrowers   - 11.50 % 
 27 Janata Riksha loan  
Up to 3 Yrs - 11.00%
Up to 4 Yrs - 12.00%
 28 Janata Uphar Gruh   14%
 29 Pune Jilha Vyapari Sangh loan  12.65%
 30Textile IndustryTextile business loan scheme  10.50% 
 31 Jan Adhar Loan Scheme  11.00% 
 32 Mediplus  10.50% 
 33 Covid 19 loan scheme (Apatkalin karj yojana Ref 2/6/20 (190)   As per CC interest rate