Interest Rate

Deposit and Advances Interest rates applicable at As on date The Mehsana Urban Co-Op. Bank Ltd.

Rate of Interest on Term Deposit

Period	General Rate of Interest (%) (Effective from 16-12-2025)	Bulk Deposit 2.5 Cr. and Above Rate of Interest (%) (Effective from --)
7 Days To 29 Days	3.00	--
30 Days To 90 Days	4.00	--
91 Days To 180 Days	4.50	--
181 Days To 364 Days	5.50	--
For 1 Year	6.60	--
Above 1 Year to 2 Years	6.65	--
Above 2 Years to 3 Years	6.70	--
Above 36 Months to 60 Months	6.50	--
Above 60 Months to 120 Months	6.50	--

Note :

Senior Citizen will get additional 0.5% interest in above Rate of Interest.

Super Senior Citizen will get additional 0.6% interest in above Rate of Interest.

Rate of Interest on Loan and Advances

Interest Rate (Effective from 17-07-2025)

Type Of Advances

Rate of Interest (%)

Housing Loan - Floating Rate

7.60%**

Vehicle Loan

4 Wheeler		2 Wheeler
None EV	EV	None EV	EV
8.00%**	7.90%**	9.00%**	8.90%**

Commercial Vehicles

9.50% p.a.

Education Loan

Priority Sector - @8.75%
Non Priority Sector - @9.00%

Mortgage Based Overdraft & Term Loan (Where Mortgage is the prime security)
Secured Overdraft (Other Manufacturing Textile Units)

Mortgage Based TL
Limit upto Rs.300 lakhs - 9.25% p.a.
Limit above Rs.300 lakhs - 10.25% p.a.
Mortgage Based OD Limit
Limit below Rs.100 lakhs - 9.50% p.a.
Rs. 100 lakhs and above & below Rs.300 lakhs @9.75% p.a. without Rating

NSC / KVP / LIC

10.00% p.a.

FDOD

For self FDR
Up to Rs.3.00 Crs @1% over FDR rate
Above Rs.3.00 Crs @0.75% over FDR rate
For Third Party FDR
Up to Rs.3.00 Crs @1.50% over FDR rate
Above Rs.3.00 Crs @1.25% over FDR rate

Loan against Property

9.50% p.a.

Solar power projects

@8.25% p.a. MSMEs
@9.50% p.a. Non MSMEs
@8.25% p.a. for hsg loan borrowers
@9.50% p.a. for non hsg loan borrowers
@8.50% p.a. for staff

Wind Mill ProjectsS

11.10% p.a.

Textile Sector financing (Only Manufacturing units, No trading unit)
Term Loan & Cash credit

9.25% p.a.**

Fuel Station/Petrol/CNG gas filling station

10.75%

Cotton Ginning and Cotton Ginning and Composite unit with oil mill

10.00%

Loan To Professionals Educational Institution, Hospitals

Loan Limit	Priority	Non Priority
Upto Rs.1.00 Cr	9.25%	9.75%
Above Rs.1.00 Cr	9.50%	10.00%

Term Loan For Machinery, Factory land & Building (Ind. TL)(Other than Textile & Fuel Station Schemes)

9.50%

CASH CREDIT
Hypo-Stock & Book Debt

9.00%

CASH CREDIT (Pledge)

9.75%

Commercial & Real Estate
Project Term Loan
WCARE/Working Capital

12.75% p.a.

Lease Rental Discounting (LRD)

11.00% p.a.

Agriculture

9.00% p.a.

Urban Saral Loan

9.00% p.a.

Urban Sahyog Loan

10.25% p.a.

Urban Mahila Sashaktikaran Loan Yojana -- Discontinue

10.50% p.a.**

* For more information please contact/visit to nearest Branch

** Rate of Interest may applicable on CIBIL Score

Note :- When REPO rate increase or decrease, EMI amount may be increase or decrease automatically.

Saving Deposit rate : 3.00%