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Loan Interest Rates

Discover the latest interest rates that are applicable across all our loan products.
Type of LoansMinimum 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%27%

2.5% of loan amount (excluding applicable GST)

1st July,206
Kisan Samman OD11.00%13.50%11.61%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Kisan Pragati Card Cash Credit13.00%16.99%13.88%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Kisan Pragati Card Term Loan14.00%16.99%14.80%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Kisan Pragati Card Abhimaan OD11.00%14.99%12.39%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Kisan Pragati Card Pisciculture OD13.99%14.50%13.99%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Kisan Pragati Card Pisciculture TL14.99%17.99%NALoans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Kisan Pragati Card Poultry OD13.50%13.99%13.59%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Kisan Pragati Card Poultry TL14.99%17.99%NALoans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
KCC Interest Subvention Scheme7.00%7.00%7.00%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Agri Enterprise OD12.00%12.00%12.00%1% + GST on the Sanctioned amount to be charged upfront at the time of sanction30-Jun-2026
Kisan Abhimaan Lite OD17.00%18.99%18.09%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Kisan Abhimaan Lite TL18.00%19.99%19.58%Loans up to 3 lakhs: Nil;
Loans above 3 lakhs: Up to 2% + GST on the Sanctioned amount (Max Cap: ₹1,50,000 + GST) upfront for CC/OD & TL		30-Jun-2026
Agri Group Loan22.00%22.00%22.00%- 
Group Loan22.90%24.15%23.42%Nil for loans up to INR 50,000.1.2% (+GST) or INR 1,100 (+GST) whichever is lower for loans above INR 50,00030th June,2026
Gold Loans10.00%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 124.00%24.00%NA  
PMSvanidhi - Tranche 224.00%24.00%NA  
PMSvanidhi - Tranche 324.00%24.00%NA  
PM Vishwakarma - Tranche 113.00%13.00%13.00%2% of the loan amount 
Individual Loans22.79%24.29%24.00%2% of loan amount (excluding applicable GST)1st August, 2026
Kisan Suvidha Loan23.25%23.25%23.25%- 
Vehicle Finance - Two-Wheeler Loans17.75%24%21%
Up to 4% of loan amount + GST or ₹5,000 inclusive of GST for Two Wheeler Loans and ₹10,000 inclusive of GST for Mid Premium Two Wheeler Loans [whichever is lower]		31st July, 2026
Vehicle Finance - Pre Owned Car Loans12.49%15.49%14.22%1% of the loan amount + GST or ₹5,000 inclusive of GST [whichever is lower]31st July, 2026
Trade Advance14.25%17%15%Rs. 5000 + GST31st March, 2026
GECL (ECLGS)9.25%9.25%NA- 
BusiMoni OD16.00%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-Formal9.25%23.30%12.14%1.5% - 2.5% of the loan amount, plus taxes as applicable1st July, 2026
Elite Lap- Formal9.25%23.30%11.01%1.5% of the loan amount, plus taxes as applicable1st July, 2026
Working Capital Overdraft8.50%25.32%10.34%upto 1% of the loan amount, plus taxes as applicable1st July, 2026
Working Capital Term Loan8.90%25.32%10.39%upto 1% of the loan amount, plus taxes as applicable1st July, 2026
Working Capital Cash Credit8.50%25.32%9.72%upto 1% of the loan amount, plus taxes as applicable1st July, 2026
Supply Chain & Finance9.25%14.00%10.80%upto 2% of the loan amount, plus taxes as applicable31st March, 2026
Micro Home Improvement Loan17.00%21.00%18.85%https://www.ujjivansfb.bank.in/personal/loans/micro-mortgages31st March, 2026
Micro Business Loan18.00%21.00%19.71%https://www.ujjivansfb.bank.in/personal/loans/micro-mortgages31st March, 2026
Micro Loan Against Property20.00%22.00%21.03%https://www.ujjivansfb.bank.in/personal/loans/micro-mortgages31st March, 2026
Micro-Mortgages BT+Top-UP16.00%24.00%18.99%https://www.ujjivansfb.bank.in/personal/loans/home-loans31st March, 2026
Commercial Purchase11.49%14.99%12.74%https://www.ujjivansfb.bank.in/personal/loans/home-loans31st March, 2026
Composite Home Loan10.75%13.99%12.20%https://www.ujjivansfb.bank.in/personal/loans/home-loans31st March, 2026
HL Top Up10.49%13.99%11.94%https://www.ujjivansfb.bank.in/personal/loans/home-loans31st March, 2026
Home Equity Loan9.5%18.99%13.40%https://www.ujjivansfb.bank.in/personal/loans/home-loans31st March, 2026
Home Improvement loan11.00%17.99%13.42%https://www.ujjivansfb.bank.in/personal/loans/home-loans31st March, 2026
Home Ready/Under-Construction Purchase9.99%16.00%11.53%https://www.ujjivansfb.bank.in/personal/loans/home-loans31st March, 2026
Home Loan - Self Construction9.99%16.99%11.98%https://www.ujjivansfb.bank.in/personal/loans/home-loans31st March, 2026

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Mean Interest Rates of 2024

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