Loans and Advances Rate of Interest on Loans and Advances Rate of INTEREST ON LOANS & ADVANCES

Praticulars Effective from 09.01. 2012 Agro Industries Co-operative sugar factories, spinning mills, marketing societies, processing societies etc. A) Short Term Loans 1) a) Pledge :- For A Grade SSKs 11.25 b) Pledge :- For other SSKs & Institutions 12.00 2) Hypothecation 13.75 3) Clean Cash Credit / Short Term Loan / Pre-seasonal 14.00 4) Cash Credit to Salary Earners Credit Societies (Clean Loan) 12.00 B) Term Loan 1) Term loan (excluding consortium finance) 12.50 2) Term loan (for sugar factories in 8th & 9th five year plan & new co-operative sugar factory) 13.50 3) Co-Generation (sugar factory) 12.75 4) Working Capital Term Loan (Set Aside) 14.00 5) MT Loan to Professional / Educational Institution / Trust for creation infrastructure, provide educational facility and for takeover loan of other bank. 14.00 6) Institutions outside co-operative Sector for

modernization and renovation / expansion Mid Term - 14.00 Working Capital-13.50 7) Term loan (Registered Co-op. Housing Society) for new building Construction / Purchase building Repairing, Renovation etc. 12.00 C) Microfinance 1) Micro Credit Scheme-2001 for District level Womens SHG coop Society (direct finance) 9.50 2) Financing to Self Help Groups (direct finance) Short Term 7.50

Medium Term - 8.50 3) Sukshma/ Laghu Udyog Atmanirbhar Yojana (1% over and above in case of Refinance available from NABARD.) A) Self Helf Groups (SHGs), federation of SHGs & Co-op. Societies of SHGs

Term loan-

9.50

Working capital -8.50 B)Individual, NGOs, Farmer's Club, Panchayat Raj Institutions Community based organisations and Corporate bodies Term loan - 9.50 working capital- 8.50

IBD 1) Preshipment (in case of single export bills above $ 3.00 laces, [American dollars] the interest rate shall be 0.50% less than the Prescribed rate.) 90 to 180 days- 9.50 181 to270 days-10.50 (Third party Exports- 13.00) 2) Post shipment (in case of single export bills above $ 3.00 lacks, [American dollars] the interest rate shall be 0.50% less than the Prescribed rate.) 90 days 91 to 180 days-10.50 9.50

Banking /Retail banking A) Short Term Loan (Small Traders) 1) Cash Credit / Overdraft 14.00 2) Gold Loan 11.50 3) Temporary Overdraft (TOD) 14.00 4) Working Capital Loans to self employed / Traders / Small - Medium Entrepreneurs for their business 13.00 B) Term Loan 1) Teacher and non teaching Staff account holders (Shikshak Samrudhi Loan) 13.50 2) Personal Loan 13.50 3) Gruhaswapnapurti loan for

Housing and Commercial Shop Period Housing Shop up to 5 years 11.00 13.00 up to 10 years 12.00 14.00 up to 20 years 13.00 15.00 4) Vehicle loan for Commercial Vehicle for non Commercial Vehicle 12.50 5) Medium term loan to Self employed / Traders / Small-Medium Entrepreneurs for their business. 12.75 6) Loan against Govt. Security, Bonds etc. 13.00 7) Loan against NSC / LIC Policy etc. 13.00 8) Loan against FDR (OD and Fixed Loans) Contract Rate 1.25% more than the original 13.25

District Central CO-OP. Bank A) Short Term Loan 1) Short Term (SAO) Loans (from

own fund) (Drawl after 1.4.2011) DCCBs with NPA up to 20% 8.00 DCCBs with NPA above 20% 8. 50 2) Sugar Repledge 11.00 3) Refinance against Salary earners Societies 11.50 4) Refinance against the finance made by urban co-op. Banks for Gold loan / Pledge of goods etc. 11.50 5) Refinance against purchases of shares of sugar factory, spinning mills and processing societies. 11.50 6) Wage and means (Clean) 14.00 B) Term Loan

1) Investment credit under Banking Plan (from own fund) 9.75 2) Refinance to DCC Bank against the housing loan. 11.00 3) Refinance to DCC Bank against the Gold Loan. 11.00

Urban Co-op. Banks A) Short Term Loan 1) Cash Credit 12.00 B) Term Loan from owned funds 1) Property loan for construction of H.O. and Branches building. 12.50

2) Refinance against the loan under RBI U/s 17(2)(b)(b) 11.75 3) Refinance against various schemes of SIDBI. 13.50 4) Loans for Computerization of H.O. and Branches. 11.00 5) Refinance against the housing loan. 6) Co-finance 11.50 Rate applicable as per URB's but not less than 9.50%