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Rates & Tariffs

Lending Rates

 

Effective From 10.02.2020
Tenure Interest Rate (Per Annum)
Unregistered Vehicles Registered Vehicles Sale & Lease - Back Leases Super Leases Other Assets Permit Holders' Lease
3 Years 11.5% 11.75% 12.25% 11.5% 13.5% 11.5%
4 Years 12% 12.25% 12.75% 12% 14% 12%
5 Years 12% 12.5% 13% 12.5% 14% 12%
6 Years 12.5% 13% 13.5% N/A N/A 12.5%
7 Years 13 13.5% 14% N/A N/A 13%

 

Effective From 10.02.2020
Category Fixed Rate (Per Annum)
3 Years /
Less than
4 Years 5 Years 6 Years 7 Years
Professionals 12% 12% 12.5% N/A 13.5%
Salary above Rs.100,000/- 12% 12% 12.5% N/A 13.5%
Salary between Rs.50,000/- & Rs.99,999/- 12.5% 13% 13.5% N/A 14.5%
Salary between Rs.30,000/- & Rs.49,999/- 13.5% 14% 14.5% N/A N/A
Permit Holders 12% 12.25% 12.5% 13% 13.5%
  Floating Rate (Per Annum) - Reviewed Quarterly
Monthly salary up to Rs.100,000/- PLR+5%
Monthly salary above Rs.100,000/- PLR+4%
Professionals PLR+4%

 

Effective From 10.02.2020
Description Interest Rate (Per Annum)
Fixed Interest Rate 12% to 13%
Professionals, "Achiever" account holders, "Viru Sara" card holders 0.5% less than fixed rates (Except Privilege Home Loans)
Privilege Home Loans 11.5% (Maximum tenure of the loan is 5 years)

 

Effective From 10.02.2020
Description Interest Rate (Per Annum)
Loans 12%
Overdrafts 16%

 

Effective From 10.02.2020
Description Tenure Fixed Interest Rate (Per Annum)
Industries / Services 5 Years 12.5%
  7 Years 13.5%
     
Others 5 Years 13.5%
  7 Years 14.5%

 

Effective From 10.02.2020
Description Interest Rate (Per Annum)
Bank Funded Credit Lines
 
Micro Finance
Agriculture / Tea Developing / Others
18%
Agri Business Loans
- 5 Years

13%
- 7 Years 14%
Agri Loans for Professionals
- 5 Years

13%
- 7 Years 14%
Paddy Purchasing Loans (NCRCS) 12% + 2% Commission
Biz Loan (Maximum Tenure 5 Years) 11.5%
   
Refinance Credit Lines  
Awakening North - PHASE II 9%
Resumption of Eco. Act. in Eastern Province - PHASE III 9%
Kapruka Ayojana 10%
Small Holder Plantation Development Loan Scheme (SPENDP) 9%
DASUNA Revolving Fund 10.5%
   
Interest Subsidy Credit Line  
New Comprehensive Rural Credit Scheme (NCRCS) 9%
Commercial Scale Dairy Development Loan Scheme 8%
   
   

 

Effective From 10.02.2020
Description Interest Rate (Per Annum)
Fixed Loans (Maximum Tenure 5 years) 13% 
Overdraft 14%
Temporary Overdrafts 22%
Remittance Cash Advance 14.5%
Advances Against Foreign Currency Deposits PLR + 1.5%
Advances Against Treasury Bills PLR + 1.5%
Hire Purchase Financing  15%
   
Education Loans  
With Personal Guarantors (Maximum Repayment 7 Years)  
- Up to 5 Years  12.5%
- 6 & 7 Years 13.5%
   
With Property Mortgages (Maximum Repayment 10 Years)  
-Up to 5 Years 12%
-More than 5 Years 13%
   
Pensioners' Loans   
- Up to 60 Months  12.5%
- 61 to 84 Months 13%
- 85 to 120 Months 14%
   
Green Loans / Leases   
- 3 Years 11.5%
- 4 Years 12%
- 5 Years  12.5% 
- 6 Years  12.5%
- 7 Years 13%