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Table 74 : Structure of Interest Rates

(Per cent per annum)

Year

Call/ Notice Money Rates

Deposit Rates*

Lending Rates*

Savings#

Term Deposits

1-3 yrs

3-5 yrs

Above 5 yrs

1

2

3

4

5

6

7

2000-01

9.15

4.00

8.50-9.50

9.50-10.00

8.50-10.00

11.00-12.00

2001-02

7.16

4.00

7.50-8.50

8.00-8.50

8.00-8.50

11.00-12.00

2002-03

5.89

3.50

4.25-6.00

5.50-6.25

5.50-6.25

10.75-11.50

2003-04

4.62

3.50

4.00-5.25

5.25-5.50

5.25-5.50

10.25-11.00

2004-05

4.65

3.50

5.25-5.75

5.75-6.25

6.25

10.25-11.00

2005-06

5.60

3.50

6.00-6.75

6.25-7.00

6.50-7.00

10.25-12.75

2006-07

7.22

3.50

6.75-8.50

7.75-9.50

7.75-8.50

12.25-14.75

2007-08

6.07

3.50

8.00-8.75

8.00-8.75

8.50-9.00

12.25-15.75

2008-09

7.06

3.50

8.00-8.75

8.00-8.50

7.75-8.50

11.50-16.75

2009-10

3.24

3.50

6.00-7.00

6.50-7.50

7.00-7.75

11.00-15.75

2010-11

5.75

3.50

8.25-9.00

8.25-8.75

8.50-8.75

8.25-9.50

2011-12

8.12

4.00

9.25

9.00-9.25

8.50-9.25

10.00-10.75

2012-13 @

8.34

4.00

8.75-9.25

8.50-9.25

8.00-9.00

9.75-10.50

* : Data on deposit and lending rates relate to five major Public Sector Banks up to 2003-04. For the remaining years, the data relate to five major banks.
# : Savings deposit rate from 2011-12 onwards relates to balance up to ` 1 lakh. Savings deposit rate was deregulated with effect from October 25, 2011.
@ : As on July 31, 2012.
Note : 1. Data on lending rates relate to either Prime Lending Rate (PLR) or Benchmark Prime Lending Rate (BPLR) or Base Rate, as the case may be for the relevant year.
2. BPLR system effective November 2003 was replaced by the Base Rate System effective from July 1, 2010.
Also see Notes on Tables.
Source: Respective financial institutions and Reserve Bank of India.

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