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Home Interest Rates

Interest Rates
    

 
 Domestic Term Deposits
 Loans and Advances
 Interest rates on NRI deposits
 

  Interest Rates on Domestic Term Deposits of less than 1 Crore, w.e.f -August 30 , 2016

Maturity Period Deposit Type Revised Interest Rates Per Annum

7 days to 30 days

Domestic/NRO

5.00%

31 days to 45 days

Domestic/NRO

5.75%

46 days to 90 days

Domestic/NRO

6.25%

91 days to 180 days

Domestic/NRO

6.75%

181 days to 270 days

Domestic/NRO

7.25%

271 days to less than 1 year

Domestic/NRO

7.30%

1 year to less than 3 years

Domestic/NRO/NRE

7.50%

3 years to less than 5 years

Domestic/NRO/NRE

7.50%

5 years to 10 years

Domestic/NRO/NRE

7.25%

    • The above rates are applicable for fresh deposits and renewal of maturing deposits for amounts less than Rs 1.00 Crores. The minimum contract period of NRE deposits is 1 year.
    • Domestic Term Deposits of Senior Citizens of over 60 years of age shall continue to earn 0.50 % additional rate across all maturities.

Interest Rates on Domestic Term Deposits of 1.00 Cr to less than 5.00 Crores w.e.f -August  30 , 2016.

Maturity Period

Deposit Type

Interest Rates Per Annum

7 days to 30 days

Domestic/NRO

5.50%

31 days to 45 days

Domestic/NRO

6.00%

46 days to 90 days

Domestic/NRO

6.25%

91 days to 180 days

Domestic/NRO

7.00%

181 days to 270 days

Domestic/NRO

6.75%

271 days to less than 1 year

Domestic/NRO

7.00%

1 year to less than 3 years

Domestic/NRO/NRE

7.25%

3 years to less than 5 years

Domestic/NRO/NRE

7.25%

5 years to 10 years

Domestic/NRO/NRE

7.25%

The above rates are applicable for fresh deposits and renewal of maturing deposits. The minimum contract period of NRE deposits is 1 year.

Domestic Term Deposits of Senior Citizens of over 60 years of age shall be paid additional interest of 0.50% across all maturities.

Interest rates for Single Domestic/NRE/ NRO Rupee Term Deposits of Rs. 5.00 Crores and above for a period above 1 year up to 3 years  shall be as under wef August 30 , 2016

Maturity Period

Interest Rates Per Annum

Above 1 year up to 1 year 6 months

LOWER OF THE FOLLOWING TWO RATES :
Card Rate issued by Treasury Operations, Mumbai on daily basis on Corporate Deposits of  maturity period of 1 year for similar deposit amount
                                         OR

                                7.25%

Above 1 year 6 months  up to less than 3 years

                                      7.25%

3 years

                                      7.25%

    The above interest rates are applicable for fresh term deposits and renewal of maturing term deposits for amount of Rs. 5.00 Crores and above for a period above 1 year up to 3 years.

    The above rates are applicable for fresh deposits and renewal of maturing deposits.

    Domestic Term Deposits of Senior Citizens of over 60 years of age shall be paid additional interest of 0.50% across all maturities.

     

  INTEREST RATE STRUCTURE FOR LOANS & ADVANCES

BASE RATE 9.50% W.E.F. 05.10.2015

MCLR

Maturity Period

MCLR

w.e.f.  July 1 , 2016

w.e.f.  Aug 26 , 2016

Overnight

9.25

8.90

One month

9.30

8.95

Three months

9.35

9.05

Six months

9.40

9.20

One year

9.45

9.40

Two years

9.55

9.50

Three years

9.60

9.60

 

Following schedule will be followed for arriving at applicable MCLR of the loan:

Table -1: Floating rate Loans with reset linked to review of MCLR

Loan tenor/ Residual Loan Tenor

Applicable MCLR

Upto& including 1 month

1 month MCLR

above 1 month upto& including 3 months

3 month MCLR

above 3 month upto& including 6 months

6 month MCLR

above 6 months

1 year MCLR

For all kinds of fund based working capital facilities including ad-hocs/ TODs applicable MCLR will be 1 year
MCLR


Applicable MCLR in case of fixed rate loans:-

Table-2:

Loan tenor/ Residual Loan Tenor

Applicable MCLR

Upto& including 1 month

1 month MCLR

above 1 month upto& including 3 months

3 month MCLR

above 3 month upto& including 6 months

6 month MCLR

above 6 months upto & including 1 year

1 year MCLR

Above 1 year upto & including 2 year

2 year MCLR

Above 2 years

3 year MCLR

The interest rate however will remain fixed for entire tenor of loan.

Reset linked to date of disbursement/ renewal/ review of credit facility
In case of loans with reset clause, applicable MCLR will be determined by the frequency of reset prescribed in the sanction letter for the particular loan and will be applicable as per below structure:-

Table-3:


Reset    Frequency    from   date    of    1st                   disbursement/
renewal/ review

Applicable MCLR

1 Month

1 month MCLR

3 Month

3 month MCLR

6 Month

6 month MCLR

1 year

I Year MCLR


INTEREST RATE STRUCTURE

 

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

Agriculture & Allied Activities including credit facilities under Kissan Credit Card/ GIRI/ Apple Scheme/ KissanDost scheme /Zaffran scheme, Agri Term loans/Commercial Floriculture and other allied activities

 

Up to Rs.2.00 lacs

APPLICABLE MCLR+0.50%

 

 

Floating

Above Rs.2.00 lacs & up to Rs.5.00 lacs

APPLICABLE MCLR+1.00%

Above Rs.5.00 lacs & less than Rs.15.00 lacs

APPLICABLE MCLR+1.50%

Rs.15.00 lacs and above

As per internal Rating Grade

 

 

Advances under Special Scheme ( Mortgage Loan ) for Fruit Commission Agents of J&K

 

For all slabs (with 50bps concession to senior borrowers having minimum banking relationship of 5 years or more)

APPLICABLE MCLR+1.50%

Floating

 

 

 

Advances under Special Scheme (Mortgage Loan ) for Fruit Merchants of Azadpur
Delhi

 

For all slabs (with 50bps concession to senior borrowers having minimum banking relationship of 5 years or more)

APPLICABLE MCLR+1.50%

Floating

 

 

 

Micro & Small Enterprises  (including craft Development scheme, Khatamband
Finance Scheme)

 

 

Up to Rs.2.00 lacs

APPLICABLE MCLR+3.00%

Floating

Above Rs.2.00 lacs &less than Rs.15.00 lacs

APPLICABLE MCLR+3.50%

Floating

Rs.15.00 lacs & above

As per internal rating


Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

 

 

Working capital facilities under JK Bank Contractor Finance Scheme

 

Up to Rs.2.00 lacs

APPLICABLE MCLR+3.00%

Floating

Above Rs.2 lacs and less than Rs.15.00 lacs

APPLICABLE MCLR+3.50%

Floating

Rs.15.00 lacs & above

As per internal rating

 

 

J&K Bank Commercial Vehicle Finance

 

Up to Rs.2.00 lacs

APPLICABLE MCLR+3.00%

Fixed

Above Rs.2.00 lacs and up to Rs.10.00 lacs

APPLICABLE MCLR +
3.25%

Fixed

Above Rs.10.00 lacs

APPLICABLE MCLR+3.75%

Fixed

 

 

 

Transport Operators (2ND Hand Vehicles)

 

For a period up to 4 years

APPLICABLE MCLR+4.25%

Fixed

For a period exceeding 4 years

APPLICABLE MCLR+4.75%

Fixed

 

 

 

Retail Trade

 

Up to Rs.2.00 lacs

APPLICABLE MCLR+3.00%

Floating

Above Rs.2.00 lacs &less than Rs.15.00 lacs

APPLICABLE MCLR+3.50%

Floating

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

Rs.15.00 lacs & above

As per internal rating

 

 

Bank finance of sale & manufacture of Gold ornaments/ Jewelry

 

Up to Rs.2.00 lacs

APPLICABLE MCLR+3.00%

Floating

Above Rs.2.00 lacs &less than Rs.15.00 lacs

APPLICABLE MCLR+3.50%

Floating

Rs.15.00 lacs & above

As per internal rating

 

 

Loans and Advances under JK Bank Fair Price Shop Scheme

 

For all limits (maximum Finance as per scheme Rs.10.00 lacs)

APPLICABLE MCLR+3.50%

Floating

 

 

 

J&K BANK SARAL FINANCE TO SMALL BUSINESSMEN

 

All slabs

APPLICABLE MCLR+3.25%

Fixed

 

 

 

Working capital facilities against mortgage backed securities for Trade & Services
Sector (easy WC finance)

 

 

Up to Rs.2.00 lacs

APPLICABLE MCLR+3.00%

Floating

Above Rs.2.00 lacs

APPLICABLE MCLR+3.50%

Floating

 

 

 

Mortgage loans against immovable property (Term Loans)

 

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

Up to Rs.2.00 lacs

APPLICABLE MCLR+3.00%

Floating

Above Rs.2.00 lacs

APPLICABLE MCLR+3.50%

Floating

 

 

 

JK Bank Easy WC finance for textile traders of Surat

 

 

All Slabs (with 50bps concession to senior borrowers having minimum banking relationship of 5 years or more)

APPLICABLE MCLR +
3.00%

Floating

 

 

 

Working capital facilities against mortgage backed securities under special scheme for iron & Steel traders of LohaMandi, Naraina

 

For limits up to Rs.500.00 lacs

 

 

For accounts having minimum forced sale value of collateral security at 125% of sanction limit

APPLICABLE MCLR+1.25%

Floating

For accounts having minimum forced sale value of collateral security at 100% of sanction limit

APPLICABLE MCLR+2.00%

Floating

 

 

 

Working capital facilities against mortgage backed securities under special scheme for plastic & grain traders of Sadar Bazaar , Delhi

 

For limits up to Rs.1000.00 lacs

APPLICABLE MCLR+3.25%

Floating

 

 

 

Education Loans with tenure up to 5 years ( at fixed interest rate)

 

Up to Rs. 10.00 lacs

APPLICABLE MCLR+ 1.50%

Fixed

Above Rs.10.00 lacs and up to Rs.20.00 lacs

APPLICABLE MCLR+2.50%

Fixed

Above Rs.20.00 lacs

APPLICABLE MCLR+3.00%

Fixed

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

 

 

 

Education Loans with tenure exceeding 5 years( at floating interest rate )

 

Upto Rs.10.00 lacs

APPLICABLE MCLR+1.50%

Floating

Above Rs.10.00 lacs and up to Rs.20.00 lacs

APPLICABLE MCLR+2.25%

Floating

Above Rs.20.00 lacs

APPLICABLE MCLR+2.75%

Floating

 

 

 

Passenger buses for Schools / Educational Institutions at fixed interest rate with repayment of the loan

 

For a period up to 7 years

APPLICABLE MCLR+3.50%

Fixed

For a period exceeding 7 years

APPLICABLE MCLR+4.25%

Fixed

 

 

 

Car Loans (Fresh Cars) under fixed interest rate option

 

For general public

APPLICABLE MCLR+1.00%

Fixed

For Companies & Firms

APPLICABLE MCLR+1.50%

Fixed

 

 

 

Car Loans (Fresh Cars) under floating interest rate option

 

For general public

APPLICABLE MCLR+0.75%

Floating

For Companies & Firms

APPLICABLE MCLR+1.25%

Floating

 

 

 

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

Car Loans (2nd Hand Cars) under fixed interest rate option with repayment of the loan

 

For a period up to 4 years

APPLICABLE MCLR+3.25%

Fixed

For a period exceeding 4 years

APPLICABLE MCLR+4.25%

Fixed

 

 

 

Two wheeler loans under fixed interest rate option with repayment of the loan

 

For a period up to 3 years

APPLICABLE MCLR+1.25%

Fixed

For a period above 3 years

APPLICABLE MCLR+1.75%

Fixed

 

 

 

Two wheeler loans under floating interest rate option with repayment of the loan

 

For a period up to 3 years

APPLICABLE MCLR+ 1.00%

Floating

For a period exceeding 3 years

APPLICABLE MCLR+1.25%

Floating

 

 

 

JK Bank Scooty Finance Scheme for Girls/Ladies

APPLICABLE MCLR+1.25%

Fixed

 

 

 

Other Consumer Loans (Fixed)

 

For Salaried State/ Central Govt Employees

APPLICABLE MCLR+2.75%

Fixed

For Others

APPLICABLE MCLR+3.50%

Fixed

 

 

 

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

JK Bank Laptop/PC Finance (fixed)

APPLICABLE MCLR+1.75%

Fixed

 

 

 

JK Bank Solar Lighting & Photo Voltaic Finance

APPLICABLE MCLR+2.00%

Fixed

 

 

 

Aan Posh Teliyeli wan posh/Finance for purchase of Domestic LPG Connections
(fixed)

APPLICABLE MCLR+0.50%

Fixed

 

 

 

JK Bank passenger Bus/minibus finance(For Doda,Bhaderwah&Kishtwar)

 

UptoRs 2 lacs

APPLICABLE MCLR+1.00%

Fixed

Above Rs 2 lacs &uptoRs 10 lacs

APPLICABLE MCLR+1.50%

Fixed

Above Rs 10 lacs

APPLICABLE MCLR+2.00%

Fixed

 

 

 

JK   Bank   Finance   for   refurbishing   of   old   passenger   Buses/mini   buses(For
Doda,Bhaderwah&Kishtwar)

APPLICABLE MCLR+2.00%

Fixed

 

 

 

JK Bank Dastkaar Finance

APPLICABLE MCLR+1.00%

Fixed

 

 

 

JK Bank Construction Equipment finance.

 

Less than Rs 15.00 lakhs

APPLICABLE MCLR+3.00%

Floating

15 lakh and above

As per applicable rating

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

 

 

Technology Upgradation Scheme for MSEs. Less than Rs15.00lacs

 

Micro enterprises (as per MSE)

APPLICABLE MCLR+3.25%

Floating

Small enterprises (as per MSE)

APPLICABLE MCLR+3.75%

Floating

 

 

 

Loans under Saholiat / Saral Scheme granted to Salaried employees/ pensioners of Central/ State Government (including RehbarITaleem teachers), Public Sector Undertakings (State and Central), Autonomous Bodies and other institutions.

 

Maintaining salary accounts with the Bank

APPLICABLE MCLR+3.50%

Fixed

Not maintaining salary accounts with the Bank

APPLICABLE MCLR+4.75%

Fixed

Professionals (other than salaried class) / Self Employed Persons & Businessmen

APPLICABLE MCLR+5.50%

Fixed

Central / State Government pensioners, including family pensioners, maintaining pension
accounts with the Bank

APPLICABLE MCLR+3.50%

Fixed

 

 

 

Loans under Government sponsored schemes. (floating)

 

For all limits

APPLICABLE MCLR+2.75%

Floating

 

 

 

Shere-Kashmir Employment & Welfare Programme for the Youth of J&K (fixed)

APPLICABLE MCLR+0.50%*

Fixed

 

*Effective interest rate shall be worked out on the basis of 50 basis points over and above the APPLICABLE MCLR as on date of sanction. The effective rate so arrived shall remain fixed for the entire

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

 

tenor of loan.

 

 

 

Centrally Sponsored scheme for integrated development of small Ruminants &
rabbits

 

UptoRs 2 lacs

APPLICABLE MCLR+1.25%

Floating

Above Rs 2 lacs &uptoRs 5.00 lacs

APPLICABLE MCLR+1.75%

Floating

Above Rs 5.00 lacs

APPLICABLE MCLR+2.25%

Floating

 

 

 

Housing loans

 

Upto Rs100.00 lacs

APPLICABLE MCLR

Floating

Above Rs100.00lacs and upto Rs.300.00 lacs

APPLICABLE MCLR+0.20%

Floating

Above Rs300.00lacs

APPLICABLE MCLR+0.35%

Floating

 

 

 

Loans and advances to Commercial Real Estate Sector (CRE)/ J&K Bank
Commercial Premises Finance scheme/ under Roshni Scheme

 

Less than Rs.15.00 lacs

APPLICABLE MCLR+3.25%

Floating

15 lacs and above

As per internal Rating

Loans Against Rental Discounting (LRD)

 

 

For all Slabs

APPLICABLE MCLR+2.50%

Floating

Loans to land lords for construction of premises for Bank’s use

 

 

Scheme

Interest Rate (Applicable
MCLR + Spread)

Fixed/ Floating

Up to Rs.20.00 lacs

APPLICABLE MCLR+5.25%

Fixed

Above Rs.20.00 lacs

APPLICABLE MCLR+5.75%

Fixed

 

 

 

Loans against the security of:-

 

Life  Insurance  policies,  Postal  securities  (NSCs,  KVPs)  and  other  permitted
Government securities

APPLICABLE MCLR+4.00%

Floating

Shares/ convertible debentures and other equity linked permitted securities

APPLICABLE MCLR+6.50%

Floating

 

 

 

Bills discounted under LCs under fixed interest rate option

 

Bills with usance period up to 180 days

6 Month MCLR+ 0.25% as on date of discounting

Fixed

Bills with usance period above 180 days and up to 1 year

1 year MCLR + 0.50% as on date of discounting

Fixed

 

 

 

Clean overdrafts at floating interest rate (TOD)

I Year MCLR+6.50%

Floating

 

 

 

(I) Loan Against Bank’s Own Term Deposits  (including NRE & NRO Rupee Term
Deposits)

As per annexure

 

 

 

Adhoc working capital facilities (over and above the sanctioned limit)

 

Ad – hoc working capital facility allowed for a period up to 90 days,

2% over applicable rate

Note:

·    Floating Interest rates on Housing Loan Public, Car Loan Public and Educational loans will have reset clause of 1 (one) year and will be linked to 1 Year MCLR.
·    Concessions stipulated in various schemes over and above the general interest rates shall continue to remain in force.
·    Rate of interest on the fixed rate loans at the time of disbursement/ renewal/ review will not be lower than the MCLR of respective maturity. The interest rate however will remain fixed for entire tenor of loan

 

(I)  Loan  Against  Bank’s  Own Term  Deposits   (including NRE &  NRO Rupee  Term
Deposits) to DEPOSITORS

 

Nature of facility

 

Margin

 

Rate of Interest

 

Loans and advances against bank’s own Term Deposits (including NRE & NRO Term Deposits) standing in the name of the borrower. [Singly, jointly or as guardian , or in the name of partnership firm, Public/Private Ltd Company Trusts or Societies]

 

10% for advances against term deposits having residual maturity upto 5 (five) years as on date of advance

 

1.50% above the rate allowed on deposit.

 

15% for advances against term deposits having residual maturity of more than 5 (five) years as on date of advance

 

(II)  Loan  Against  Bank’s  Own  Term  Deposits  (including NRE & NRO Rupee Term
Deposits) to THIRD PARTY

 

Nature of facility

 

Margin

 

Rate of Interest

 

Loans and Advances to Individual borrowers against third party term deposits (including NRE & NRO Term Deposits) standing in the name of individuals or entities other than  individuals e.g. Partnership   Concerns, Societies, Trusts, Public/ Private Ltd Companies etc.

 

10% for advances against term deposits having residual maturity upto 4 (four) years as on date of advance

 

2.00% above the rate allowed on term deposit

OR
Applicable MCLR, whichever          is
higher

 

15% for advances against term deposits having residual maturity of more than 4 (four) years but not more than 6 (six) years as on date of advance.

 

20% for advances against term deposits having residual maturity of more than 6 (six) years as on date of advance.

 

Loans & Advances to entities other than individuals e.g. Partnership   Concerns, Societies, Trusts, Public/Private Ltd  Companies  etc.  against third party Term Deposits ((including NRE & NRO Term Deposits) standing in the name of  individual or entities other than  individuals e.g. Partnership                  Concerns,

 

10% for advances against term deposits having residual maturity upto 3 (Three) years as on date of advance

 

2.00% above the rate allowed on term
deposit
OR

Applicable   MCLR
+ 1.00%, whichever is higher.

 

15% for advances against term deposits having residual maturity of more than 3 (three) years but not more than 5 (five) years as on date of advance.

 

20%  for  advances  against  term


 

Societies, Trusts, Public/ Private
Ltd Companies etc.

 

deposits having residual maturity of  more  than  5  (five)  years but not more than 7 (seven) years as on date of advance.

 

 

(III) Loan Against Inter-bank’s Term Deposits

 

Loans & Advances to Scheduled Commercial banks, Co- operative banks and RRB’s against their own term deposits with our bank

 

10%

 

1.00% above the rate allowed on term deposit


  Interest rates on NRI deposits

1 a) NRE deposits
Revised rates of Interest rates on NRE deposits w.e.f  August 30 ,2016
Maturity period

ROI per annum on NRE deposits of less than Rs. 1.00 crore

ROI per annum on NRE deposits of Rs.1.00 crore to less than Rs.5.00 crores

1 years to less than 3 years

7.50%

7.25%

3 years to less than 5 years

7.50%

7.25%

5 years to 10 years

7.25%

7.25%

  • Above rates are applicable for fresh deposits and renewal of maturing deposits.
  • The minimum maturity period of NRE deposits is 1 year.


1 b)NRO deposits
w.e.f - August 30 ,2016

Maturity Period

Term Deposits of less than Rs.1 Crore .

Term Deposits of Rs.1.00 Cr to less than Rs.5.00 Crores.

07 days to 30 days

5.00%

5.50%

31 days to 45 days

5.75%

6.00%

46 days to 90 days

6.25%

6.25%

91 days to 180 days

6.75%

7.00%

181 days to 270 days

7.25%

6.75%

271 days to less than 1 year

7.30%

7.00%

1 years to less than 3 years

7.50%

7.25%

3 years to less than 5 years

7.50%

7.25%

5 years to 10 years

7.25%

7.25%

  • The above rates are applicable for fresh deposits and renewal of maturing deposits. The minimum maturity period of NRE deposit is 1 year.

2) FCNR(B) Deposits: Revised rates applicable for the month of September, 2016.

Period

1 years <2 years 2 years < 3 years 3 years <4 years 4 years < 5 years 5 years only

USD

1.96

2.06

2.11

2.16

2.21

GBP

1.33

1.44

1.45

1.46

1.49

EUR

0.83

0.81

0.82

0.83

0.87

JPY *

0.96

0.92

0.92

-

-

CAD *

2.03

1.94

1.95

-

-

AUD *

2.68

2.61

2.61

-

-

( * Deposits for 3 years only)
 

3) RFC  Deposits: Revised rates applicable for the month of September, 2016.

Period

1 Month < 6 Month 6 Month < 1 Year 1 Year < 2 Year 2 Year < 3 Year

3 Years

USD 0.26 0.62 1.96 2.06 2.11
GBP 0.14 0.26 1.33 1.44 1.45
EUR 0.00 0.00 0.83 0.81 0.82
JPY* 0.00 0.00 0.96 0.92 0.92
 
The revised interest rates shall be applicable on fresh deposits and renewal of maturing deposits.In case NRE Deposits are accepted for maturity beyond three years, with the consent of ALM Department, the rate of interest for maturity period of three years shall apply to such deposits also.
   

 
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