Interest Rates for Every Scheme
Rate Card
Select a scheme to see its detailed rate structure. Rates are reviewed periodically — the figures published at your branch on the day of transaction are final.
Gold Loan
| Scheme | Loan per gram | Interest p.a. | Tenure |
|---|---|---|---|
| IG Classic | Up to ₹X per gram | X% p.a. | 12 months |
| IG Express | Up to ₹X per gram | X% p.a. | 6 months |
| IG Long Term | Up to ₹X per gram | X% p.a. | 24 months |
| Invest gold special | Up to ₹1000 per gram | 12 % p.a | 12 months |
Slabs apply retrospectively from the pledge date; monthly interest servicing keeps you at the base slab.
Personal Loan
| Category | Loan amount | Interest p.a. | Repayment |
|---|---|---|---|
| Salaried | ₹X – ₹X | X% p.a. | Daily / weekly / monthly |
| Self-employed | ₹X – ₹X | X% p.a. | Daily / weekly / monthly |
Final rate depends on assessed repayment capacity and documentation.
Mahila Loan
| Purpose | Loan amount | Interest p.a. | Repayment |
|---|---|---|---|
| Business start-up | ₹X – ₹X | X% p.a. | Aligned to cash flow |
| Business expansion | ₹X – ₹X | X% p.a. | Aligned to cash flow |
| Education | ₹X – ₹X | X% p.a. | Monthly |
Subsidised rates for women borrowers; guidance provided at every step.
Consumer Loan
| Product type | Finance up to | Interest p.a. | EMI tenure |
|---|---|---|---|
| Home appliances | X% of invoice | X% p.a. | 6 – 24 months |
| Electronics | X% of invoice | X% p.a. | 6 – 24 months |
Open to salaried, self-employed and business individuals — including those new to credit.
Non-Convertible Debentures
| Tenure | Payout | Interest p.a. | Minimum |
|---|---|---|---|
| X months | Monthly | X% p.a. | ₹X |
| X months | Quarterly | X% p.a. | ₹X |
Offered only to investors holding a private offer. Secured against company assets.
Subordinated Debt
| Tenure | Payout | Interest p.a. | Minimum |
|---|---|---|---|
| 60 months | Monthly / quarterly / yearly / maturity | X% p.a. | ₹25,000 |
| 72 months | Monthly / quarterly / yearly / maturity | X% p.a. | ₹25,000 |
Unsecured instrument, subordinated to other creditors. No early redemption before 60 months.
Doubling Sub-Debt Scheme
| Tenure | Investment range | Target benefit | Lock-in |
|---|---|---|---|
| 72 months | ₹10,000 – ₹1 Crore | 2x investment | 60 months |
2x target maturity benefit stated on the certificate. 60-month lock-in.
Want an exact figure?
Our branch team will confirm today's applicable rate for your scheme, tenure and amount.