On Advances other than Rupee Export Credit - ஆர்பிஐ - Reserve Bank of India
Table 1 : Range of interest rates on advances (above Rs. 2 lakh) other than export credit for the quarter ended March 2009 |
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(per cent per annum) |
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|
Interest rate range excluding 5 % of business contracted at extreme rate |
Interest rate range at which at least 60 % business is contracted |
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|
Demand Loans |
Term Loans |
Demand Loans |
Term Loans |
Public Sector Banks |
3.50 –18.00 |
5.65 – 18.00 |
7.00 – 16.25 |
5.65 – 15.75 |
Foreign Banks |
5.50 – 18.50 |
5.00 – 25.50 |
6.75 – 17.25 |
7.50 – 21.00 |
Private Sector Banks |
4.75 – 24.00 |
5.06 – 26.00 |
5.00 – 18.50 |
9.00 – 19.75 |
Note : i) Data pertain to 78 banks, of which 27 are public sector banks, 29 are foreign banks and 22 are private sector banks. |
Table 2 : Median Range of Interest Rates on Advances for the Month ended December 2019 | ||||||||||||
(Per cent per annum) | ||||||||||||
Bank Group | Interest Rate Range including all of business contracted at Extreme Rate | Interest Rate Range at which at least 60% of the business has been contracted | ||||||||||
Cash Credit | Demand Loan | Term Loan | Cash Credit | Demand Loan | Term Loan | |||||||
Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | |
Public Sector Banks | 7.00 | 15.73 | 7.00 | 15.98 | 8.03 | 16.13 | 8.10 | 12.25 | 7.60 | 11.90 | 8.28 | 13.90 |
Private Sector Banks | 8.60 | 18.35 | 7.00 | 19.00 | 5.99 | 23.86 | 9.95 | 13.35 | 9.00 | 12.00 | 8.10 | 15.63 |
Foreign Banks | 9.25 | 13.50 | 6.56 | 10.69 | 7.25 | 11.28 | 9.55 | 11.25 | 7.19 | 9.40 | 7.60 | 10.61 |
Table 2: Median Range of Interest Rates on Advances for the Month Ended June 2020 | ||||||||||||
(Per cent per annum) | ||||||||||||
Bank Group | Interest Rate Range including all of business contracted at Extreme Rate | Interest Rate Range at which at least 60% of the business has been contracted | ||||||||||
Cash Credit | Demand Loan | Term Loan | Cash Credit | Demand Loan | Term Loan | |||||||
Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | |
Public Sector Banks | 7.00 | 16.63 | 6.50 | 16.63 | 6.48 | 16.13 | 7.00 | 15.10 | 7.00 | 13.43 | 7.53 | 15.10 |
Pvt. Sec. Banks | 8.06 | 18.00 | 5.75 | 19.00 | 4.00 | 23.85 | 9.40 | 13.35 | 8.85 | 11.90 | 8.00 | 15.63 |
Foreign Banks | 9.00 | 12.70 | 5.73 | 10.25 | 6.48 | 11.03 | 9.00 | 10.50 | 6.42 | 8.50 | 6.98 | 9.95 |
Table 2 : Median Range of Interest Rates on Advances (other than export credit) for the Quarter Ended-September- 2015 | ||||||||||||
(Per cent per annum) | ||||||||||||
Bank Group | Interest Rate Range - All Business (Including businesses contracted at Extreme Rates) | Interest Rate Range at which at least 60% of the business has been contracted | ||||||||||
Cash Credit | Demand Loan | Term Loan | Cash Credit | Demand Loan | Term Loan | |||||||
Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | |
Public Sector Banks | 9.65 | 17.05 | 7.00 | 17.45 | 9.75 | 17.75 | 9.95 | 13.75 | 9.90 | 13.50 | 10.00 | 14.75 |
Private Sector Banks | 10.50 | 18.43 | 10.20 | 18.00 | 5.00 | 20.75 | 10.88 | 14.75 | 10.75 | 13.25 | 10.75 | 15.75 |
Foreign Banks | 10.50 | 13.63 | 9.25 | 12.80 | 9.30 | 13.38 | 11.80 | 13.23 | 9.50 | 11.40 | 9.50 | 12.50 |
Table 2 : Median Range of Interest Rates on Advances (other than export credit) for the Quarter Ended- June- 2015 | ||||||||||||
(Per cent per annum) | ||||||||||||
Bank Group | Interest Rate Range - All Business (Including businesses contracted at Extreme Rates) |
Interest Rate Range at which at least 60% of the business has been contracted |
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Cash Credit | Demand Loan | Term Loan | Cash Credit | Demand Loan | Term Loan | |||||||
Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | |
Public Sector Banks | 9.95 | 17.05 | 7.50 | 17.35 | 9.95 | 17.70 | 10.00 | 13.75 | 10.00 | 13.50 | 10.00 | 14.50 |
Private Sector Banks | 10.25 | 18.28 | 9.95 | 18.05 | 4.00 | 20.75 | 11.13 | 14.75 | 10.75 | 13.00 | 10.75 | 15.00 |
Foreign Banks | 10.50 | 14.28 | 9.40 | 13.00 | 9.50 | 13.75 | 12.01 | 13.50 | 9.65 | 11.50 | 9.75 | 12.50 |
Table 2 : Median Range of Interest Rates on Advances for the Quarter ended March 2019 | ||||||||||||
(Per cent per annum) | ||||||||||||
Bank Group | Interest Rate Range including all of business contracted at Extreme Rate | Interest Rate Range at which at least 60% of the business has been contracted | ||||||||||
Cash Credit | Demand Loan | Term Loan | Cash Credit | Demand Loan | Term Loan | |||||||
Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | |
Public Sector Banks | 7.00 | 16.25 | 7.00 | 15.63 | 8.10 | 16.75 | 8.28 | 12.98 | 8.20 | 12.48 | 8.58 | 14.68 |
Private Sector Banks | 8.85 | 19.00 | 7.69 | 19.00 | 5.62 | 23.08 | 9.60 | 13.65 | 9.00 | 11.50 | 8.50 | 15.35 |
Foreign Banks | 9.15 | 13.35 | 8.00 | 11.50 | 8.03 | 11.83 | 9.75 | 11.25 | 8.20 | 10.75 | 8.50 | 11.35 |
Table 1 : Range of Interest Rates on Advances for the Quarter ended June 2019 | ||||||||||||
(Per cent per annum) | ||||||||||||
Bank Group | Interest Rate Range including all of business contracted at Extreme Rate | Interest Rate Range at which at least 60% of the business has been contracted | ||||||||||
Cash Credit | Demand Loan | Term Loan | Cash Credit | Demand Loan | Term Loan | |||||||
Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | |
Public Sector Banks | 3.30 | 39.40 | 4.00 | 60.00 | 2.00 | 30.00 | 4.15 | 23.35 | 4.00 | 19.00 | 4.00 | 22.50 |
Private Sector Banks | 1.00 | 30.00 | 3.55 | 48.13 | 1.00 | 40.00 | 4.40 | 30.00 | 4.20 | 19.25 | 4.00 | 26.00 |
Foreign Banks | 7.14 | 45.02 | 1.40 | 47.88 | 1.00 | 31.70 | 7.14 | 42.46 | 4.30 | 47.88 | 2.50 | 27.00 |
Table 1 : Range of Interest Rates on Advances for the month ended September 2019 | ||||||||||||
(Per cent per annum) | ||||||||||||
Bank Group | Interest Rate Range including all of business contracted at Extreme Rate | Interest Rate Range at which at least 60% of the business has been contracted | ||||||||||
Cash Credit | Demand Loan | Term Loan | Cash Credit | Demand Loan | Term Loan | |||||||
Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | Min | Max | |
Public Sector Banks | 3.15 | 28.35 | 4.00 | 44.75 | 4.00 | 37.50 | 4.05 | 28.15 | 4.00 | 18.75 | 4.00 | 20.75 |
Private Sector Banks | 1.95 | 30.00 | 3.91 | 46.00 | 1.00 | 40.00 | 4.60 | 30.00 | 4.20 | 19.45 | 4.00 | 26.00 |
Foreign Banks | 6.75 | 45.02 | 1.40 | 47.88 | 1.00 | 31.70 | 6.75 | 42.46 | 3.00 | 47.88 | 2.50 | 19.49 |
Table 1: Range of Interest Rates on Advances (Other than export credit) |
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(Per cent per annum) |
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Bank Group |
Interest Rate Range |
Interest Rate Range at which at least |
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Cash Credit |
Demand Loan |
Term Loan |
Cash Credit |
Demand Loan |
Term Loan |
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Min |
Max |
Min |
Max |
Min |
Max |
Min |
Max |
Min |
Max |
Min |
Max |
|
Public Sector Banks |
3.00 |
21.50 |
2.50 |
25.00 |
3.50 |
24.50 |
6.50 |
19.60 |
5.14 |
17.75 |
4.00 |
18.85 |
Private Sector Banks |
4.20 |
25.00 |
4.00 |
37.20 |
4.00 |
27.00 |
7.00 |
17.50 |
5.50 |
15.75 |
5.90 |
22.00 |
Foreign Banks |
1.25 |
42.60 |
2.25 |
42.00 |
0.10 |
57.44 |
2.00 |
36.50 |
2.26 |
40.80 |
2.25 |
53.18 |
Table 2: Median Range of Interest Rates on Advances (Other than export credit) |
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(Per cent per annum) |
||||||||||||
Bank Group |
Interest Rate Range |
Interest Rate Range at which at least |
||||||||||
Cash Credit |
Demand Loan |
Term Loan |
Cash Credit |
Demand Loan |
Term Loan |
|||||||
Min |
Max |
Min |
Max |
Min |
Max |
Min |
Max |
Min |
Max |
Min |
Max |
|
Public Sector Banks |
8.00 |
15.65 |
8.00 |
16.00 |
7.75 |
16.00 |
9.00 |
13.13 |
8.75 |
13.38 |
7.75 |
13.50 |
Private Sector Banks |
8.25 |
17.13 |
7.00 |
17.13 |
5.75 |
19.50 |
11.25 |
14.25 |
8.05 |
12.50 |
8.00 |
15.00 |
Foreign Banks |
9.00 |
14.50 |
7.00 |
13.00 |
6.75 |
13.50 |
10.38 |
13.00 |
7.50 |
11.13 |
7.25 |
12.55 |