Loan Products/Schemes
- Loan Interest Rates
- Saptagiri Swagruha Housing Loan
- Saptagiri Saral Housing Loan
- Saptagiri Vehicle Loan Scheme
- Loan Against Mortgage of Immovable Property (LAMP)
- SGB Pension Loan Scheme (SGBPLS)
- SGB Home Loan Plus
- Saptagiri Plot Loan Scheme
- Saptagiri Rythu Bandhu Gold Loan
- SGB Kisan Bike Loan Scheme
- Loan for purchase of Van/Bus to Educational Institutions
- Milk Vendors Loan Scheme -Term Loan
- Milk Vendors Loan Scheme -Secured Overdraft
- SGB TWO WHEELER LOAN SCHEME
- Farm Mechanization (Tractor Loans)
- Education Loan - Higher Studies
- Education Loan - Vocational Studies
Interest Rates on Loans and Advances
The Interest Rates on Loans and Advances have been revised w.e.f. 19.01.2024
| SL.NO | NAME OF THE SECTOR | INTEREST RATE (% p.a) | |
| 1 | Agri. Crop Loans (Kisan Credit Cards) up to Rs.3.00 lakhs Incl LEC/JLG KCC | 7.00 | |
| 2 | Kisan Credit Card Above Rs.3.00 lakhs (Incl LEC) Card Rate | ||
| Up to Rs.50,000/- Card Rate | 10.50 | ||
| Above Rs.50,000/- to Rs.2.00 lakhs Card Rate | 11.00 | ||
| Above Rs.2.00 lakhs Card Rate | 11.00 | ||
| 3 | Saptagiri KCC Gold Loan Plus | 7.00 | |
| 4 | Kisan Credit Card Fish Feed | 11.00 | |
| 5 | KCC Animal Husbandry up to Rs.2.00 lakhs- Subvention | 7.00 | |
| 6 | KCC Fisheries up to Rs.2.00 lakhs - Subvention | 7.00 | |
| 7 | Agri. Tractor Loans | 11.25 | |
| 8 | Agri. Term Loans | 11.25 | |
| 9 | Tractor Loans under Tie-up with TAFE Ltd | 10.00 | |
| 10 | Allied Activities Term Loans | 11.60 | |
| 11 | MSME Loans (Retail/Small Business/SSI/PSE/SRTO/Mudra Loans) | 11.75 | |
| 12 | J.L.Gs Agri. Crop Loans | 11.25 | |
| 13 | J.L.Gs Agri. Term Loans/ AATL | 11.60 | |
| 14 | J.L.Gs Non-Farm sector | 12.00 | |
| 15 | Self Help Group Loans (SHG) NRLM Rural Women- Agri and Non-Agri | ||
| Up to Rs.3.00 lakhs | 7.00 | ||
| Above Rs.3.00 lakhs to Rs.5.00 lakhs | 10.00 | ||
| Above Rs.5.00 lakhs to Rs.30.00 lakhs | 13.00 | ||
| 16 | Self Help Group Loans (SHG) Urban/ PHC Mixed-Gender | ||
| Up to Rs.3.00 lakhs | 9.50 | ||
| Above Rs.3.00 lakhs | 13.00 | ||
| 17 | Farmer Produce Group | 11.25 | |
| 18 | Saptagiri Raithu Bandu Jewel Loan (SRBJL) | ||
| Upto Rs.2.00 lakhs | 9.10 | ||
| Above Rs.2.00 lakhs-10.00 lakhs | 9.20 | ||
| 19 | Abyudaya Bhavitha Cheyutha Jewel Loan (ABC JL) - for BC beneficiaries | ||
| Agricultural purpose | Upto Rs.2.00 lakhs | 9.10 / 6.00 | |
| Above Rs.2.00 lakhs and upto Rs.5.00 lakhs | 9.20 / 6.00 | ||
| Non Agricultural Purpose | Upto Rs.2.00 lakhs | 9.20 / 6.00 | |
| Above Rs.2.00 lakhs and upto Rs.5.00 lakhs - EMI | 9.20 / 6.00 | ||
| 20 | Dheena Bandhu Jewel Loan (DB JL) for SC beneficiaries upto Rs.2.00 lakhs |
9.20 / 8.00 | |
| 21 | Non Farm Sector/Other Priority Sector Jewel Loan (NFS JL) | 9.20 | |
| 22 | Non Priority Sector Jewel Loan (NPS JL) | ||
| Upto Rs.2.00 lakhs | 10.00 | ||
| Above Rs.2.00 lakhs - Monthly Interest Servical | 10.00 | ||
| 23 | a. Saptagiri Swagruha Housing Loan upto Rs.25.00 lakhs | ||
| CIBIL Score | 800 and above | 8.95 | |
| From 750 - 799 | 9.15 | ||
| From 700 - 749 | 9.25 | ||
| From 650 – 699 or -1 or No Credit History | 9.35 | ||
| b. Saptagiri Swagruha Housing Loan above Rs.25.00 lakhs to Rs.75.00 lakhs | |||
| CIBIL Score | 800 and above | 8.95 | |
| From 750 - 799 | 9.15 | ||
| From 700 - 749 | 9.25 | ||
| From 650 – 699 or -1 or No Credit History | 9.35 | ||
| c. Saptagiri Swagruha Housing Loan above Rs.75.00 lakhs | |||
| CIBIL Score | 800 and above | 9.45 | |
| From 750 - 799 | 9.65 | ||
| From 700 - 749 | 9.75 | ||
| From 650 – 699 or -1 or No Credit History | 9.85 | ||
| 24 | Saptagiri Plot Loan Scheme | 10.35 | |
| 25 | Saptagiri Saral Housing Loan | ||
| CIBIL Score | 800 and above | 9.95 | |
| From 750 - 799 | 10.15 | ||
| From 700 - 749 | 10.25 | ||
| From 650 – 699 or -1 or No Credit History | 10.35 | ||
| 26 | SGB Home Loan Plus | 10.65 | |
| 27 | Housing Loans [Renovations] | 10.90 | |
| 28 | Project loan /Commercial buildings | 11.50 | |
| 29 | Housing loans under Commercial Real Estate (CRE) exposure | ||
| Up to Rs.75.00 lakhs | 10.25 | ||
| Above Rs.75.00 lakhs | 10.50 | ||
| 30 | L A M P (Loan Against Mortgage of Property) | 11.85 | |
| 31 | PMAY (U)- EWSAHPNTR NAGAR/A.P TIDCO | 8.50 | |
| 32 | PMFME Scheme- Group/Individual | 11.75 | |
| 33 | PM Weavers Mudra Scheme | 13.00 | |
| 34 | PMJDY OD | 12.00 | |
| 35 | YSR Cheyutha | 12.00 | |
| 36 | YSR Cheyutha Animal Husbandry | 12.00 | |
| 37 | Jagananna Thodu | 13.50 | |
| 38 | SGB PM SVANidhi-1.0/2.0/3.0 Tranches | 13.50 | |
| 39 | SGB Vehicle loan New Products | 8.95 | |
| 40 | SGB Vehicle loan USED | 10.45 | |
| 41 | Loan for purchase of Van / Bus to Educational Institutions | 11.75 | |
| 42 | Saptagiri Two Wheeler Loan Scheme ( Two wheeler ) | 10.50 | |
| 43 | SGB Kisan Bike Loan Scheme New ( Two wheeler ) | 10.00 | |
| 44 | Saptagiri Milk Vendors Loan Scheme Term Loan (for purchase of Two wheeler/ Three Wheeler Autos/Four Wheeler Autos) | 10.00 | |
| 45 | Saptagiri Milk Vendors Loan Scheme- SOD | 10.00 | |
| 46 | Secured Over Draft (SOD) | 12.00 | |
| 47 | General Credit Card | 11.75 | |
| 48 | Swarojgar Credit Card and SCC for Artisans | 11.75 | |
| 49 | OCC- General Public | 11.75 | |
| OCC- General Public- Non-Priori50 | 12.00 | ||
| 50 | CLEAN LOANS- Salaried | 12.00 | |
| 51 | CLEAN LOANS- With Post Dated Cheques | 12.25 | |
| 52 | SGB Pension Loan | 12.00 | |
| 53 | Educational Loans | 10.60 | |
| 54 | PMEGP OD/Term Loan | 12.00 | |
| 55 | SHG Indiramma Bridge Loan | 13.00 | |
| 56 | SGB Agri Infra Fund up to Rs.2.00 Crores | 9.00 | |
| Above Rs.2.00 Crores | 13.50 | ||
| 57 | Loans against Deposits(Customers) | Dep Rate+ 2.00 | |
| 58 | Loans against NSC/KVP/LIC Policies -Term Loan | 13.50 | |
The products listed above are of Indicative purpose and Interest rates of the Products not listed above remains unchanged.