Rate of Interest on Loans & Advances
| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 1.1.1) Clean Cash Credit / Short Term Loans (Floating) |
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| 1.1.2) Pledge (Floating) |
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| b) Pledge :- Spinning Mills, Marketing and Processing Institutions etc. |
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| 1.1.3) Hypothecation - Stores, Gunnybales, Molasses, Ethanol (Floating):- Sugar Factories |
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| b) Hypothecation :- Spinning Mills, Marketing and Processing Institutions etc. |
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| 1.1.4) a) Cash Credit / takeover of Salary Earners Credit Societies (Floating) |
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| 1.1.4) b) State Cooperative Bank Salary Earners Societies (Fixed) |
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| 1.1.5) Co-gen Bill discounting Scheme (Floating) |
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| 1.1.6) Discounting of Bills of Ethenol provided to Oil Companies (Fixed) |
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| 1.1.7) Short-term working capital loan limit for companies/institutions in the power generation and distribution sector.(Floating) |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 1.2.1) Errection of new co-op./ private sugar factories (Greenfield project) ,errection of co-generation project (Floating) |
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| 1.2.2) Expansion of Coop / private sugar factories, Cogeneration project (Floating) |
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| 1.2.3) MT Loan to Educational Institutions / Trusts for creating infrastructure, to provide educational facility |
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| 1.2.4) Term Loan For food processing industry |
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| 1.2.5) Restructuring Scheme for Sick Sugar Factories |
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| 1.2.6) Grain base ethanol production green field project construction/expansion/modernization |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 4.2.1) Investment credit under Banking Plan (Fixed) |
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| 4.2.2) Refinance to DCC Bank against the housing loan finance.(Shikhar Gharkul Yojana) (Floating) |
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| 4.2.3) Loan to DCCB for Computerisation of headoffice and branches (Fixed) |
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| 4.2.4) Provision of Loans in Participation of District Banks |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 3.1.1) Gold Loan (Fixed & Cash Credit)(Floting) |
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| 3.1.2) Short-term overtime limit for employees of institutions/companies whose salaries are deposited in state banks |
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| 3.1.3) Working Capital Loans to self employed / Traders / Small - Medium Entrepreneurs for their business(fixed) |
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| 3.1.4) Sanjeevani Hypothecation Cash Credit(floating) |
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| 3.1.5) State Coop Bank Staff Cash credit Loan (Fixed) |
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| 3.1.7) Loan against Godown receipt of Maharashtra State Wakhar Corporation under Smart Cotton project (Fixed) |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 3.2.1) Gruhaswapnapurti loan for Housing and Commercial Shop | |
| a). For purchasing/construction of new housing & takeover loan. Annual interest rate - 8.25 (Monthly interest rate 8.19) For new loan proposal with CIBIL score above 750 Interest rate is 7.90(Monthly rest - 7.90) |
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| b). Top-up/Additional Loan (Floating) |
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| c). For Other Loan: |
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| 3.2.2) Vehicle loan(floating) |
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| 3.2.3) Medium term loan to Self employed / Traders / Small-Medium Entrepreneurs for their business (fixed) |
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| 3.2.4) Medium term loan to Self-employed / Traders / Small-Medium Entrepreneurs for their business ( floating ) |
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| 3.2.5) Loan against NSC / LIC Policy etc.(fixed) |
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| 3.2.6) Loan against FDR (OD and Fixed Loans)(fixed) |
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| 3.2.7) Individual/Institutional/Finance for purchase of Solar Kit(fixed) |
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| 3.2.8) M.S.M.E. |
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| 3.2.9) Education Loan (floting) |
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| 3.2.10) Education Loan for children of staff (fixed) |
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| 3.2.11) Working Capital to Builders for Construction of new residential building, redevelopment of old buildings of Cooperative Housing Societies (Floating) |
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| 3.2.12) Term Loan to Cooperative Housing Societies for Construction of new residential building, redevelopment of old buildings (Floating) |
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| 3.2.13) 'Shram Vidya Educational Loan Scheme'For Childrens from a family of suicide farmers in Maharashtra State (Fixed) |
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| 3.2.14) Revolving cash credit limit up to 90% on security of fixed deposit receipt against term loan disbursed by District Co-operative Banks to Co-operative Housing Societies for self-redevelopment of old buildings (Floating) |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 4.1.1) Short Term (SAO) Loans (from Own fund) (Fixed) |
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| 4.1.2) Repledge (Sugar) (Fixed) |
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| 4.1.3) Refinance to Salary earners Societies (Fixed) |
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| 4.1.4) Wage and means (Clean) (Fixed) |
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| 4.1.5) ST (SAO) to MT conversion (MSC Bank Share) (Fixed) |
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| 4.1.6) ST (SAO) to MT conversion (State Govt. Share) (Fixed) |
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| 4.1.7) ‘Jaswandi’ OD Loan scheme on pledge of Govt. Securities (Fixed) |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 4.2.1) Investment credit under Banking Plan (Fixed) |
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| 4.2.2) Refinance to DCC Bank against the housing loan finance.(Shikhar Gharkul Yojana) (Floating) |
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| 4.2.3) Loan to DCCB for Computerisation of headoffice and branches (Fixed) |
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| 4.2.4) Provision of Loans in Participation of District Banks |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 5.1.1) Cash Credit For Urban Banks (Fixed) |
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| 5.1.2) ‘Jaswandi’ OD Loan scheme on pledge of Govt. Securities (Fixed) |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 5.2.1) Refinance to DCC Bank against the housing loan finance(Shikhar Gharkul Yojana). |
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| 5.2.2) Property loan for construction and Purchasing of H.O. and Branch building. |
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| 5.2.3) Loans for Computerization of H.O. and Branches for DCCB/Urban Bank (Fixed) |
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| 5.2.4)Msc Banks Consortium Loan with other banks (Fixed) |
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| Particulars | Interest Rate p.a. (w.e.f. 01-05-2025) |
|---|---|
| 6.1 Urban Co. Term and revolving loans for credit institutions (Fixed) |
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| 6.2 Government Loan Securities (Non SLR) to Cooperative Credit Institutions 'Jaswandi Adhikarsh loan limit' on mortgage |
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Sir Vithaldas Thackersey Memorial Building,9, Maharashtra Chamber of Commerce Lane, Fort, Mumbai - 400001.
