Interest Rates

The Baghat Urban Co-operative Bank Ltd., is offering the following interest for the various loans and advances schemes -

Type of Loan

Amount Limit

Int. Rates

Advances allied to agriculture.

Up to Rs. 50,000.00
Above Rs. 50,000.00 - Up to Rs. 2 Lac
Above Rs. 2 Lac - Up to Rs. 5 Lac
Above Rs. 5 Lac

10.25%
10.75%
10.75%
11.25%

Advances to Cottage or Small Scale Ind. and equipment system for the development of new and renewable sources of energy

 Up to Rs. 50,000.00
 Above Rs. 50,000.00

11.00%
11.50%

Advance made to a Road and Water Transport

For Transport Vehicle
Upto Rs. 2 Lac
Above Rs. 2.0 Lac
11.65%
12.40%

For Personal Vehicle
Upto Rs. 3.0 Lac
Above Rs. 3.00 Lac to Rs. 5.0 Lac  Above Rs. 5.0 Lac
09.90%
09.90%
10.40%

For Two wheelers

 11.15%

For Old Vehicle
Any loan for car & two wheeler


15.40%

 Retail Traders

  1. Private Retail traders dealing in essential commodities (fair price shop)
  2. Other retail traders

Upto Rs.50,000.00
Above Rs.50,000.00-Rs.2.00 Lac 
Above Rs. 2.00 Lac - Rs. 5.00 Lac

Above Rs. 5 Lac

09.50%
09.75%
10.00%

10.00%

Small Business Enterprises

Up to Rs. 2 Lac
Above Rs. 2.00 Lac - Rs. 5.00 Lac
Above Rs. 5 Lac

10.00%
10.00%
10.50%

Professional and Self Employed

Up to Rs. 50,000.00
Above Rs.50,000.00

11.00%
11.50%

Education Loan

Up to Rs. 2.00Lac
Above Rs. 2.00 Lac

10.50%
11.00%

Loan to Software Industry
(Credit Limit up to Rs. 1 Crore from the banking system)

Up to Rs. 2.00 Lac
Above Rs. 2.00 Lac

11.75%
11.75%