On Advances other than Rupee Export Credit - ஆர்பிஐ - Reserve Bank of India
Table 1 : Range of Interest Rates on Advances (other than export credit) for the Quarter Ended-December 2012 |
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(Per cent per annum) |
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Bank Group |
Interest Rate Range - All Business |
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 |
4.00 |
24.00 |
4.00 |
22.75 |
3.50 |
36.00 |
4.00 |
23.35 |
6.25 |
17.75 |
4.00 |
19.50 |
Pvt. Sec. Banks |
5.85 |
28.25 |
4.25 |
23.00 |
1.50 |
33.01 |
10.50 |
20.75 |
7.50 |
21.75 |
4.73 |
22.25 |
Foreign Banks |
8.18 |
44.40 |
4.50 |
47.88 |
2.00 |
36.00 |
9.00 |
41.88 |
7.75 |
47.88 |
2.00 |
28.25 |
Table 1 : Range of Interest Rates on Advances (other than export credit) for the Quarter Ended-June 2013 |
||||||||||||
(Per cent per annum) |
||||||||||||
Bank Group |
Interest Rate Range - All Business |
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 |
3.75 |
22.50 |
4.00 |
31.50 |
3.75 |
36.00 |
4.00 |
20.30 |
6.00 |
19.50 |
4.00 |
19.50 |
Pvt. Sec. Banks |
5.85 |
28.25 |
4.00 |
24.00 |
1.50 |
34.49 |
10.75 |
20.75 |
7.50 |
21.75 |
5.00 |
22.25 |
Foreign Banks |
3.20 |
41.40 |
6.00 |
47.88 |
2.00 |
26.50 |
4.20 |
41.40 |
7.75 |
47.88 |
2.00 |
21.00 |
Table 2 : Median Range of Interest Rates on Advances for the Quarter Ended March 2022 | ||||||||||||
(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 | 6.28 | 15.00 | 6.90 | 14.03 | 5.63 | 14.88 | 7.20 | 12.30 | 6.90 | 11.25 | 7.03 | 12.28 |
Pvt. Sec. Banks | 6.78 | 19.63 | 4.08 | 19.00 | 3.75 | 26.00 | 7.90 | 11.75 | 7.00 | 10.03 | 5.50 | 13.70 |
Foreign Banks | 8.18 | 12.63 | 4.37 | 9.75 | 5.30 | 10.00 | 8.90 | 10.00 | 4.95 | 7.05 | 5.60 | 9.05 |
Table 1 : Range of Interest Rates on Advances for the Quarter Ended June 2022 | ||||||||||||
(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 | 0.01 | 20.08 | 0.01 | 20.00 | 0.01 | 21.80 | 4.00 | 17.25 | 4.00 | 18.75 | 4.00 | 17.25 |
Pvt. Sec. Banks | 2.85 | 47.88 | 1.50 | 46.00 | 1.05 | 40.00 | 5.20 | 30.00 | 5.00 | 46.00 | 2.85 | 29.00 |
Foreign Banks | 4.19 | 45.63 | 1.40 | 47.88 | 1.00 | 34.00 | 4.19 | 45.62 | 1.75 | 47.88 | 2.50 | 25.00 |
Table 2: Median Range of Interest Rates on Advances for the Quarter Ended September 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 | 6.50 | 16.63 | 6.00 | 16.63 | 5.40 | 16.13 | 7.00 | 14.50 | 7.00 | 12.55 | 7.18 | 14.53 |
Pvt. Sec. Banks | 7.45 | 18.00 | 4.80 | 19.00 | 4.00 | 23.76 | 9.00 | 13.00 | 8.70 | 11.90 | 6.98 | 14.75 |
Foreign Banks | 7.80 | 12.60 | 5.10 | 9.70 | 5.62 | 10.50 | 7.95 | 10.50 | 6.45 | 8.50 | 6.15 | 9.50 |
Table 1: 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 | 0.00 | 26.00 | 0.00 | 22.15 | 0.00 | 30.00 | 0.00 | 24.50 | 0.00 | 19.25 | 0.00 | 24.70 |
Pvt. Sec. Banks | 1.00 | 33.40 | 0.00 | 46.00 | 0.00 | 43.96 | 4.05 | 30.00 | 4.02 | 19.60 | 0.00 | 29.00 |
Foreign Banks | 5.27 | 45.02 | 0.10 | 47.88 | 0.00 | 23.99 | 5.47 | 45.02 | 0.20 | 47.88 | 0.00 | 19.00 |
Table 1: Range of Interest Rates on Advances for the Quarter Ended September 2022 | ||||||||||||
(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 | 0.01 | 22.15 | 0.01 | 20.00 | 0.01 | 21.80 | 4.00 | 17.60 | 4.50 | 18.75 | 4.00 | 17.60 |
Pvt. Sec. Banks | 4.00 | 47.88 | 1.50 | 46.00 | 1.50 | 40.20 | 5.55 | 33.00 | 3.00 | 46.00 | 1.78 | 27.00 |
Foreign Banks | 5.65 | 45.63 | 1.40 | 48.00 | 1.00 | 32.00 | 5.90 | 45.63 | 2.00 | 47.88 | 2.50 | 24.00 |
Table 1 : Range of Interest Rates on Outstanding Loans for the Quarter ended December 2022 | ||||||||||||
(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 | 3.75 | 22.50 | 4.00 | 18.75 | 4.00 | 21.80 | 4.00 | 18.00 | 4.00 | 18.75 | 4.00 | 18.00 |
Pvt. Sec. Banks | 4.00 | 47.88 | 1.50 | 46.00 | 1.00 | 40.20 | 5.55 | 34.00 | 2.00 | 46.00 | 1.70 | 27.00 |
Foreign Banks | 6.15 | 45.63 | 1.40 | 47.88 | 1.00 | 32.00 | 6.15 | 45.63 | 4.00 | 47.88 | 2.50 | 24.00 |
Table 2 : Median Range of Interest Rates on Outstanding Loans for the Quarter ended March 2023 | ||||||||||||
(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 | 6.24 | 16.03 | 5.64 | 15.65 | 4.88 | 16.25 | 8.52 | 13.10 | 6.96 | 11.90 | 7.28 | 13.23 |
Pvt. Sec. Banks | 7.67 | 19.99 | 5.75 | 19.00 | 4.00 | 26.00 | 9.01 | 12.68 | 7.75 | 10.25 | 7.25 | 16.25 |
Foreign Banks | 8.70 | 11.73 | 6.96 | 10.45 | 6.23 | 11.23 | 9.15 | 10.50 | 7.67 | 8.65 | 7.33 | 10.25 |
Table 1 : Range of Interest Rates on Advances (other than export credit) for the Quarter Ended-December- 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 | 4.00 | 25.00 | 4.00 | 32.90 | 1.00 | 36.00 | 5.33 | 19.10 | 6.00 | 17.15 | 4.50 | 19.85 |
Private Sector Banks | 5.65 | 30.25 | 4.00 | 46.00 | 1.50 | 29.35 | 5.65 | 22.00 | 5.08 | 20.40 | 4.00 | 25.93 |
Foreign Banks | 8.38 | 42.46 | 1.00 | 47.88 | 1.00 | 28.00 | 8.50 | 41.82 | 5.00 | 47.88 | 2.00 | 27.00 |
Table 2 : Median Range of Interest Rates on Advances (other than export credit) for the Quarter Ended-December- 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 | 17.20 | 9.65 | 17.50 | 9.70 | 13.75 | 9.68 | 13.50 | 9.90 | 14.70 |
Private Sector Banks | 10.25 | 18.00 | 9.64 | 18.38 | 5.61 | 21.05 | 10.70 | 14.40 | 10.50 | 13.13 | 10.25 | 15.00 |
Foreign Banks | 10.25 | 13.85 | 9.05 | 12.38 | 9.20 | 13.00 | 11.25 | 13.50 | 9.20 | 11.08 | 9.25 | 12.25 |
Table 2 : Median Range of Interest Rates on Advances for the Month Ended March 2016 | ||||||||||||
(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 | 9.65 | 17.05 | 7.00 | 17.20 | 9.65 | 17.50 | 9.70 | 13.75 | 9.68 | 13.38 | 9.90 | 14.70 |
Pvt. Sec. Banks | 10.13 | 18.50 | 9.57 | 18.87 | 6.10 | 21.00 | 10.50 | 14.33 | 10.13 | 13.34 | 10.00 | 16.10 |
Foreign Banks | 10.00 | 13.85 | 9.05 | 11.85 | 9.15 | 12.50 | 11.00 | 13.50 | 9.20 | 10.98 | 9.50 | 12.25 |
Table 1 : Range of Interest Rates on Advances - September 2016 | ||||||||||||
(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 | 2.00 | 30.40 | 4.00 | 30.00 | 1.00 | 36.00 | 5.33 | 19.00 | 5.77 | 16.95 | 4.75 | 18.70 |
Private Sector Banks | 3.00 | 30.00 | 4.00 | 46.00 | 1.15 | 34.25 | 4.11 | 21.00 | 6.50 | 23.00 | 4.00 | 26.00 |
Foreign Banks | 8.00 | 42.46 | 1.40 | 47.88 | 1.00 | 26.00 | 8.38 | 42.46 | 3.75 | 47.88 | 2.00 | 21.00 |
Table 2 : Median Range of Interest Rates on Advances - September 2016 | ||||||||||||
(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 | 9.45 | 17.05 | 7.50 | 16.88 | 9.30 | 17.40 | 9.70 | 13.50 | 9.53 | 13.38 | 9.70 | 14.70 |
Private Sector Banks | 9.63 | 19.00 | 9.00 | 18.38 | 7.01 | 21.90 | 10.40 | 13.95 | 9.45 | 11.75 | 9.55 | 16.75 |
Foreign Banks | 9.60 | 13.25 | 8.50 | 11.50 | 9.00 | 12.58 | 10.70 | 12.00 | 8.85 | 10.70 | 9.13 | 12.38 |
Table 2 : Median Range of Interest Rates on Advances - December 2016 | ||||||||||||
(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 | 9.35 | 16.90 | 7.50 | 16.83 | 9.25 | 17.25 | 9.65 | 13.50 | 9.35 | 13.38 | 9.70 | 14.50 |
Private Sector Banks | 9.53 | 18.50 | 8.73 | 18.78 | 6.25 | 21.93 | 10.23 | 14.72 | 9.10 | 12.25 | 9.20 | 16.50 |
Foreign Banks | 10.08 | 13.38 | 8.20 | 11.50 | 8.73 | 12.50 | 10.65 | 12.88 | 8.70 | 10.50 | 9.13 | 11.88 |
Table 1 : Range of Interest Rates on Advances - March 2017 | ||||||||||||
(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 | 2.00 | 36.60 | 1.00 | 31.40 | 1.00 | 30.00 | 5.50 | 18.20 | 4.00 | 16.95 | 4.90 | 18.50 |
Private Sector Banks | 2.50 | 30.00 | 4.00 | 46.00 | 1.50 | 34.25 | 5.55 | 21.00 | 6.25 | 20.30 | 2.70 | 26.00 |
Foreign Banks | 7.70 | 42.46 | 1.40 | 47.88 | 1.00 | 28.00 | 7.80 | 42.46 | 3.47 | 47.88 | 2.00 | 27.00 |
Table 2 : Median Range of Interest Rates on Advances - September 2017 | ||||||||||||
(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 | 8.40 | 15.45 | 7.00 | 15.00 | 8.25 | 16.25 | 8.85 | 14.05 | 8.45 | 13.25 | 8.65 | 14.10 |
Private Sector Banks | 8.55 | 19.20 | 7.40 | 18.75 | 5.00 | 22.00 | 9.63 | 14.54 | 8.23 | 11.50 | 7.90 | 15.70 |
Foreign Banks | 9.25 | 13.50 | 7.22 | 11.50 | 7.87 | 12.08 | 10.75 | 11.95 | 7.34 | 9.96 | 8.35 | 11.30 |
Table 1 : Range of Interest Rates on Advances - December 2017 | ||||||||||||
(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 | 2.00 | 37.00 | 2.32 | 44.75 | 1.00 | 30.00 | 6.00 | 19.00 | 2.32 | 19.00 | 4.00 | 18.45 |
Private Sector Banks | 2.50 | 28.25 | 4.00 | 46.00 | 1.15 | 34.25 | 5.55 | 21.00 | 5.00 | 20.60 | 4.00 | 26.00 |
Foreign Banks | 7.19 | 42.46 | 1.40 | 47.88 | 1.00 | 28.00 | 7.19 | 42.46 | 3.13 | 47.88 | 2.50 | 27.00 |
Table 2 : Median Range of Interest Rates on Advances - March 2018 | ||||||||||||
(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 | 8.10 | 16.00 | 7.00 | 15.40 | 8.05 | 16.75 | 9.15 | 14.10 | 8.30 | 13.20 | 8.60 | 14.10 |
Private Sector Banks | 8.05 | 18.25 | 7.40 | 19.13 | 5.74 | 22.25 | 9.00 | 14.44 | 8.63 | 11.75 | 7.83 | 16.25 |
Foreign Banks | 8.90 | 13.20 | 7.70 | 11.50 | 7.86 | 12.00 | 9.50 | 11.00 | 7.85 | 10.00 | 8.13 | 11.05 |
Table 1 : Range of Interest Rates on Advances for the Quarter ended September 2018 | ||||||||||||
(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 | 2.45 | 37.00 | 4.00 | 44.75 | 1.00 | 36.95 | 5.10 | 18.75 | 4.00 | 19.00 | 4.00 | 20.25 |
Private Sector Banks | 4.00 | 30.00 | 1.00 | 48.13 | 0.01 | 34.25 | 5.55 | 30.00 | 5.95 | 24.00 | 4.00 | 26.00 |
Foreign Banks | 6.95 | 45.01 | 1.40 | 47.88 | 1.00 | 27.00 | 6.95 | 42.46 | 4.00 | 47.88 | 2.50 | 27.00 |