Gujarat Gramin Bank (GGB)


Advances

Rate Of Interest On Term Advance

Rate of Interest Advances
Bank's BPLR (Benchmark Prime Lending Rate) : 9.30% per annum with its effective date is : October 12, 2026.
Type Sr. No. Scheme Name Parameters Rate of Interest (% per annum)
Agriculture Loans 1 Kisan Credit Card (Crop Loan) Up to Rs.3,00,000/- and Financing marketing of Crops against Pledge of Agriculture Produce / Stock to farmers (with reference to modified Interest Subvention scheme of GoI for Short Term Loans)
2 Cash Credit (Crop Loan) / Cash Credit (Agriculture) Up to Rs. 3,00,000/- 1.70% above BPLR i.e. 11.00%
Above Rs. 3,00,000/- to Rs. 5,00,000/- 2.20% above BPLR i.e. 11.50%
Above Rs. 5,00,000/- 2.70% above BPLR i.e. 12.00%
3 Kisan Tatkal - 2.70% above BPLR i.e. 12.00%
4 Agriculture Term Loan Up to Rs. 3 Lakhs 1.70% above BPLR i.e. 11.00%
Above Rs. 3 Lakhs to Rs. 10 Lakhs 1.70% above BPLR i.e. 11.00%
Above Rs. 10 Lakhs 2.35% above BPLR i.e. 11.65%
5 Car Loan to Farmer Based on CIBIL Score: Other Than E-Vehicle E-Vehicle
800 and Above 0.30% below BPLR i.e. 9.00% 0.35% below BPLR i.e. 8.95%
771 to 799 0.05% below BPLR i.e. 9.25% 0.10% below BPLR i.e. 9.20%
726 to 770 0.05% above BPLR i.e. 9.35% At par with BPLR i.e. 9.30%
701 to 725 0.15% above BPLR i.e. 9.45% 0.10% above BPLR i.e. 9.40%
675 to 700 0.65% above BPLR i.e. 9.95% 0.60% above BPLR i.e. 9.90%
Below 675 1.45% above BPLR i.e. 10.75% 1.40% above BPLR i.e. 10.70%
(-1) 0.05% above BPLR i.e. 9.35% At par with BPLR i.e. 9.30%
6 Two Wheeler to Farmers - 3.00% above BPLR i.e. 12.30%
7 Overdraft to Agro based and Agro Proessing Unit Rating
A+ 1.50% above BPLR i.e. 10.80%
A 2.25% above BPLR i.e. 11.55%
A(-) 3.00% above BPLR i.e. 12.30%
B 3.75% above BPLR i.e. 13.05%
C 4.50% above BPLR i.e. 13.80%
D* 5.00% above BPLR i.e. 14.30%
E* 5.50% above BPLR i.e. 14.80%
📌 The Proposal Having Rating D & E to be reffered to Next Authority for decision.
8 Loan for Agro based and Agro processing units Collateral Security:
Below 50% 0.35% above BPLR i.e. 9.65%
Above 50% to 100% 0.10% above BPLR i.e. 9.40%
Above 100% 0.15% below BPLR i.e. 9.15%
9 Financing to Joint Liability Groups (Farm Sector) - 3.15% above BPLR i.e. 12.45%
10 Loan against Bank's Own Deposit (Agriculture) Category
General Customer / Senior Citizen 1.00% above Deposit Rate
Against the Secuirty of Third Party 2.00% above Deposit Rate or 10.00% whichever is higher
11 GGB Agri end use & Agri hiring Tractor Loan Scheme - 4.50% above BPLR i.e. 13.80%
12 GGB Agri cum Commercial end use Tractor Loan Scheme - 4.00% above BPLR i.e. 13.30%
13 Government Sponsored Agriculture Loan limit up to Rs. 3.00 Lakhs 1.50% above BPLR i.e. 10.80%
Loan limit above Rs. 3.00 Lakhs 1.75% above BPLR i.e. 11.05%
14 Financing of units for construction / renovation / expansion of Storage facilities - 3.50% abve BPLR i.e. 12.80 %
15 Gold Loan (Agriculture) Demand Loan 0.25% below BPLR i.e. 9.05%
Overdraft 0.15% below BPLR i.e. 9.15%
Retail Loans 16 Housing Loan for General Public Based on CIBIL Score:
825 and above 1.30% below BPLR i.e. 8.00%
800 to 824 1.20% below BPLR i.e. 8.10%
771 to 799 1.10% below BPLR i.e. 8.20%
751 to 770 1.10% below BPLR i.e. 8.20%
726 to 750 0.90% below BPLR i.e. 8.40%
701 to 725 0.80% below BPLR i.e. 8.50%
675 to 700 0.80% above BPLR i.e. 10.10%
Less than 675 0.80% above BPLR i.e. 10.10%
-1 0.50% below BPLR i.e. 8.80%
17 Additional Assured Advance 0.70% above applicable rate of linked housing loan -
18 Car Loan (Public) Based on CIBIL Score: Other Than E-Vehicle E-Vehicle
800 and Above 0.30% below BPLR i.e. 9.00% 0.35% below BPLR i.e. 8.95%
771 to 799 0.05% below BPLR i.e. 9.25% 0.10% below BPLR i.e. 9.20%
726 to 770 0.05% above BPLR i.e. 9.35% At par with BPLR i.e. 9.30%
701 to 725 0.15% above BPLR i.e. 9.45% 0.10% above BPLR i.e. 9.40%
675 to 700 0.65% above BPLR i.e. 9.95% 0.60% above BPLR i.e. 9.90%
Below 675 1.45% above BPLR i.e. 10.75% 1.40% above BPLR i.e. 10.70%
(-1) 0.05% above BPLR i.e. 9.35% At par with BPLR i.e. 9.30%
19 Advance Against Property (Individual) CIBIL SCORE
800 and above 0.50% above BPLR i.e. 9.80%
760 to 799 0.65% above BPLR i.e. 9.95%
725 to 759 0.85% above BPLR i.e. 10.15%
675 to 724 1.15% above BPLR i.e. 10.45%
below 675 up to 650 2.15% above BPLR i.e. 11.45%
(-1) 1.15% above BPLR i.e. 10.45%
20 Mortgage Loan (Non-individual) Margin Above 50% 1.05% above BPLR i.e 10.35%
Margin up to 50% 1.55% above BPLR i.e 10.85%
21 Personal Loan Salary A/c with our Bank Salary with other Bank / Non-salaried
"CIBIL Score: 701 and above & (-1) : 1.80% above BPLR i.e. 11.10% "CIBIL Score: 701 and above & (-1) : 2.30% above BPLR i.e. 11.60%
" "
Below 701 : 3.75% above BPLR i.e. 13.05% Below 701 : 3.75% above BPLR i.e. 13.05%
22 Government Employee Salary Account As Per Scheme Guidelines issued from time to time -
23 Loan Against Future Rent Receivables For Land Lords of Bank premises/ Office 1.00% above BPLR i.e 10.30%
For Others 1.50% above BPLR i.e 10.80%
24 Two Wheeler & Consumer Durable (General Public) - 3.20% above BPLR i.e. 12.50%
25 Education Loan (All Segments) Up to Rs. 7,50,000/- 0.65% above BPLR i.e. 9.95%
Above Rs. 7,50,000/- 0.55% above BPLR i.e. 9.85%
📌 (Education loan for Girls student, 0.50% concession in the interest rate to be allowed )
26 Education / Car / Housing loan to PWDs under NDFDC scheme As per guidelines issued by NDFDC from time to time -
27 Suvidha Personal Loan CIBIL Score
701 & above (-1) 1.80% above BPLR i.e. 11.10%
Less than 701 2.30% above BPLR i.e. 11.60%
28 Personal loan to aanganwadi workers "CIBIL Score: 701 and above & (-1) : 1.55% above BPLR i.e.10.85% -
Below 701 : 3.50% above BPLR i.e. 12.80%" -
29 Personal loan to Pensioners For Retired Employees of our Bank / their Family Pensioners: For others:
0.95% above BPLR i.e. 10.25% 2.95% above BPLR i.e. 12.25%
30 Gold Loan (Retail) - 0.05% below BPLR i.e. 9.25%
31 Gujarat Gramin Gruh SVAMITVA Yojana As per rate of interest as applicable to bank's housing loan to public scheme -
MSME 32 Aarogyadham Loan Scheme - At par with BPLR i.e. 9.30%
33 Small Road Transport Operators Below Rs. 50.00 Lakh 1.75% above BPLR i.e. 11.05%
50 Lakhs & above 1.00% above BPLR i.e. 10.30%
34 Loans to MSME (Other than SRTO / Arogyadham) Up to Rs.25,00,000/- 0.70% above BPLR i.e. 10.00%
   
Above Rs. 25,00,000/- to Rs. 1,00,00,000/-
Rating (GGB-1) 0.65% above BPLR i.e. 9.95%
Rating (GGB-2) 0.70% above BPLR i.e. 10.00%
Rating (GGB-3) 0.75% above BPLR i.e. 10.05%
Rating (GGB-4) 0.80% above BPLR i.e. 10.10%
Rating (GGB-5) 1.00% above BPLR i.e 10.30%
Rating (GGB-6) 1.20% above BPLR i.e. 10.50%
Rating (GGB-7) 1.70% above BPLR i.e. 11.00%
Rating (GGB-8) 3.50% above BPLR i.e. 12.80%
Rating (GGB-9) 4.50% above BPLR i.e. 13.80%
   
Above Rs. 1,00,00,000/-
Rating (GGB-1) 0.25% below BPLR i.e. 9.05%
Rating (GGB-2) 0.15% below BPLR i.e. 9.15%
Rating (GGB-3) 0.05% below BPLR i.e. 9.25%
Rating (GGB-4) 0.05% above BPLR i.e. 9.35%
Rating (GGB-5) 0.15% above BPLR i.e. 9.45%
Rating (GGB-6) 0.30% above BPLR i.e. 9.60%
Rating (GGB-7) 1.10% above BPLR i.e. 10.40%
Rating (GGB-8) 1.50% above BPLR i.e. 10.80%
Rating (GGB-9) 1.70% above BPLR i.e. 11.00%
35 OD against land and building to MSMEs Security Margin above 50% 1.00% above BPLR i.e. 10.30%
Security Margin up to 50% 1.50% above BPLR i.e. 10.80%
36 Traders Loan BGTL-1 to 4 (above 80%) At par BPLR i.e. 9.30%
BGTL 5 to 6 (Above 50% to 80%) 0.50% above BPLR i.e. 9.80%
BGTL Below 6 (Below 50%) 1.80% above BPLR i.e. 11.10%
37 Financing to BC / MUDRA Loan / Artisan Credit Card Category:
SHISHU ( up to Rs.50,000/-) 0.70 % above BPLR i.e. 10.00%
KISHORE ( from Rs. 50,001/- to Rs.5,00,000/-) 1.70 % above BPLR i.e. 11.00%
TARUN ( from Rs. 5,00,001/- to Rs.10,00,000/-) 2.70 % above BPLR i.e. 12.00%
   
TARUN+ (Above Rs. 10,00,000/- to Rs. 20,00,000/-)
38 Financing to SHGs Up to Rs. 3 Lakhs 2.30% below BPLR i.e.7.00%*
Above Rs. 3 Lakhs to Rs. 5 Lakhs 0.80% below BPLR i.e.8.50%*
Above Rs. 5 Lakhs 3.20% above BPLR i.e. 12.50%
📌 *Applicable in Non-NPA accounts and subject to NRLM Interest Subvention Guidelines. RoI in NPA accounts to be charged at contractual rate i.e. 12.50% per annum (3.20% above BPLR i.e. 12.50%).
39 Financing to JLGs (Non-farm Sector) - 3.15% above BPLR i.e. 12.45%
40 Self employment activities for PWDs under NDFDC Schemes As per guidelines issued from time to time from NDFDC -
41 General Credit Card - 5% above BPLR i.e. 14.30%
42 Real Estate Loan - 3.00% above BPLR i.e. 12.30%
43 BGECL - 0.05% below BPLR i.e. 9.25%
44 Loans for CA Firm - 0.20% above BPLR i.e. 9.50%
45 Gold Loan (MSME) Demand Loan 0.25% below BPLR i.e. 9.05%
Overdraft 0.15% below BPLR i.e. 9.15%
46 Nari Udyam Shakti Based on CIBIL (CMR Score)
CMR-1 to CMR-5 or Unrated 0.80% below BPLR i.e. 8.50%
CMR-6 At par with BPLR i.e. 9.30%
47 GGB ECLGS 5.0 - 0.55% below BPLR i.e. 8.75%
Others 48 Loan against securities: NSC / KVP / LIC Policies Overdraft 3.00% above BPLR i.e.12.30%
   
Term Loan
For General Public 3.00% above BPLR i.e.12.30%
For Staff 1.00% above BPLR i.e.10.30%
49 Loan against Bank's Own Deposit To the Depositor 1% above Term Deposit Rate
To Sr. Citizen 1% above Term Deposit Rate
Against Third Party Receipt 2% above Term Deposit Rate or 10% (whichever is higher)
To Staff Members of our Bank 1% above Term Deposit Rate
50 Financing to NBFCs /Others (Not covered above) - 0.70% above BPLR i.e. 10.00%
Government Sponsored Schemes 51 PM Surya Ghar Muft Bijli Yojana Loan Limit Up to Rs. 2.00 Lakh 2.30 % below BPLR 7.00%
Loan Limit above Rs. 2.00 Lakh 0.30 % below BPLR 9.00%
52 Financing under AIF Scheme UP to Rs.2 Crore 0.30% below BPLR i.e. 9.00 %
   
Above Rs.2 Crore
Collateral Security : 100% and Above 0.30% below BPLR i.e. 9.00%
Collateral Security : Above 75% and less than 100% 0.05% below BPLR i.e 9.25%
Collateral Security : Above 50% and up to 75% 0.10% above BPLR i.e. 9.40%
Collateral Security : up to 25% to 50% 0.20% above BPLR i.e. 9.50%
53 Financng under PM KUSUM Up to Rs. 3.00 Lakhs 1.50% above BPLR i.e. 10.80%
   
Above Rs. 3.00 Lakhs to Rs. 10 Lakhs
   
Above Rs. 10.00 Lakhs
   
Collateral Security below 50%
   
Collateral Security from 50% to 100%
   
Collateral Security above 100%
54 Financing against e-NWR (Farmers and non-individuals) - 0.15% above BPLR i.e. 9.45%
Staff Loans 1 Staff Loans Please refer circulars refardig respective Staff Loan Schemes issued from time to time. -
Deposits
NRI Interest Rate

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