Interest Rates on Term Deposits
w.e.f. February 1, 2026
| Investment Period |
General Public |
Senior Citizens |
| 7 days to 45 days |
3.50% |
3.50% |
| 46 days to 90 days |
3.75% |
3.75% |
| 91 days to 179 days |
5.00% |
5.00% |
| 180 Days to less than 1 Year |
6.00% |
6.00% |
| 1 Year to less than 2 Years |
6.75% |
7.25% |
| 2 Years to less than 5 Years |
7.00% |
7.50% |
| 5 Years to 10 Years |
6.00% |
6.50% |
| 15 Months (Special Deposit Scheme) |
7.00% |
7.50% |
- Senior citizens are given additional 0.50% interest rate for a period of more than 1
year.
- TDS is applicable to all Members and Nominal Members as per Income Tax Act.
Rate of Interest on Loans
| Loan Category |
Interest Rate |
| Emergency Loan |
10.00% |
| Loan Against Compulsory Deposit |
Compulsory Deposits Rate of Interest plus 2.00% |
| Medium Term Loan |
10.90% |
| Priviledge Term Loan |
10.90% |
| Loan Against Insurance Policies / National Saving Certificate |
10.00% |
| Higher Education Loan |
7.50% |
| 90% Housing Loan (Fixed) |
8.50% |
| Housing Loan (Floating) |
7.75% |
| Housing Loan Top Up |
10.00% |
| Vehicle Loan |
7.75% |
| Mortgage Loan |
10.50% |
| Panel Charges on Default of Installment Payment |
1% on OD Amount |
