RMGB : Rajasthan Marudhara Gramin Bank

For Advance
For Deposit

S. No.	Type of Loan Products/Schemes			ROI on Loans & Advances
AGRICULTURE SEGMENT LOANS
(i)	Kisan Credit Card And Animal Husbandry and Fisheries	Upto Rs. 50000/-		12.00%
		Above Rs. 50000/- & upto Rs. 2.00 lacs		13.00%
		Above Rs. 2.00 lacs & upto Rs. 5.00 lacs		14.25%
		Above Rs. 5.00 lacs & upto Rs. 10.00 lacs		14.25%
		Above Rs. 10.00 lacs & upto Rs. 25.00 lacs		10.50%
		Above Rs. 25.00 lacs		10.50%
Note	7 % for KCC limits upto Rs. 3.00 lacs & for greater limits interest will be charged as per bank’s norms
(ii)	*For Loan againts Warehouse Receipt-Demand Loan for 12 months (Interest Rate to be charged on yearly basis excluding Collatral Management Agency (CMA) charge**			8.45%
(iii)	Agriculture Infrastructure Fund	Upto Rs. 2 Crore		9.00%
		Above Rs. 2 Crore		10.50%
(iv)	ATL Under KCC	Upto Rs. 50000/-		12.25%
		Above Rs. 50000/- & upto Rs. 2.00 lacs		13.25%
		Above Rs. 2.00 lacs & upto Rs. 5.00 lacs		14.25%
(v)	Kisan Samriddhi Yojana	Term Loan-For Solar Plant, Two Wheeler and FarmHouse		12.25%
(vi)	Two wheeler/ Four wheeler loan for farmers	For loan amount upto Rs. 2.00 lacs		12.00%
		For loan amount greater than Rs. 2.00 lacs & upto Rs. 25.00 lacs		12.50%
(vii)	KCC with Dairy Development Scheme	For short duration CC		As per Kisan Credit Card
		Term Loan upto Rs. 5.00 lacs		12.00%
		Term Loan greater than Rs. 5.00 lacs & upto Rs. 25.00 lacs		13.00%
(viii)	All Agriculture Term Loans including Tractor, KGC, Horticulture, vehicle, dairy, poultry, Solar pumpset, Gramin Godown , KCC converted ATL etc.	Upto Rs. 50000/-		11.50%
		Above Rs. 50000/- & upto Rs. 2.00 lacs		11.50%
		Above Rs. 2.00 lacs & upto Rs. 5.00 lacs		11.50%
		Above Rs. 5.00 lacs & upto Rs. 25.00 lacs		12.00%
		Above Rs. 25.00 lacs		12.00%
(vii)	Other Agriculture Loan ( working capital)			11.50%
(ix)	Loans to SHG For Agriculture Purpose	Upto Rs. 3.00 lacs		12.50%
		Above Rs. 3.00 lacs		13.00%
(x)	Loan to JLG	JLG Agriculture		11.00%
		JLG Dairy		11.00%
		Through BC		14.00%
(xi)	Agri-Gold Loan			7.50%
PERSONAL SEGMENT LOANS
(i)	Home Loan Schemes	RMGB Home Loan	Upto Rs. 30.00 Lacs	6.80%
			Above Rs. 30 Lacs & upto Rs. 75 Lacs	7.05%
			Above Rs. 75.00 Lacs	7.15%
		Maxgain OD	Upto Rs. 30.00 Lacs	7.15%
			Above Rs. 30 Lacs & upto Rs. 50 Lacs	7.40%
		Note 01	0.10 % Concession will be available to woman in above Mentioned home loan Category.
		Note 02	A Premium of 0.15% will be added to the Card rate for Non-Salaried Customer in above Mentioned home loan Category.
		Note 03	A Premium of 0.10% will be added to the Card rate for Loan up to Rs. 30 Lacs if LTV ratio is >80% & <=90% in above Mentioned home loan Category.
		Top up Home Loan Scheme		7.85%
		Note 04	A Premium of 0.50% will be added to the Card rate for Non-Salaried Customer in above Mentioned Top up Home Loan Scheme.
		Corporate Home Loan		10.50%
		Realty Home Loan Scheme		7.75%
(ii)	Car Loan Schemes	RMGB Car Loan	If CIBIL Score 750 And Above	7.00%
			If CIBIL Score 650 And Above but less than 750 and -1	7.50%
			If CIBIL Score less than 650	7.90%
		Loyalty Car Loan	0.10% less than from RMGB Car Loan shceme for all category.
		Used Car	Car used upto 3 years	14.00%
			Car used above 3 years and upto 5 years	15.50%
(iii)	Personal Loan	RMGB Salary Plus Scheme	If CIBIL Score 750 And Above	10.60%
			If CIBIL Score 700 And Above but less than 750	11.10%
			If CIBIL Score -1	11.10%
			If CIBIL Score less than 700	11.50%
		Note 01	0.50 % Concession will be available if loan amount is 10 Lacs or above in RMGB Salary Plus Scheme
		Note 02	0.50 % Concession will be available for Govt. or PSUs Employee in RMGB Salary Plus Scheme
(iv)	Mortgage Loan(against immovable property)	TL and Reducing OD	Upto Rs. 50 Lacs	9.50%
			Above Rs. 50 Lacs & upto Rs. 1.00 Crore	9.90%
(v)	Education Loan			9.30%
	Note 01	0.50 % Concession will be available to Girl Student in Education Loan.
(vi)	RMGB Roof Top Solar Plant Scheme			10.50%
(vii)	Solar Loan Scheme “Soorya Kiran”			11.30%
(viii)	Demand Loans /Overdrafts against Bank’s own deposits	1.00% over the rate paid on the time deposit offered as security irrespective of the loan amount (including loans to third party, Deposits standing in the name of either singly or jointly, Trust, Institutions, Corporations etc.)
(ix)	Loan against NSC/KVP/LIC			13.95%
(x)	Personal Gold Loan			7.50%
SME SEGMENT LOANS
(i)	SME Saral Loan	(Up to Rs. 50.00 Lacs)	Term Loan/Cash Credit	9.50%
(ii)	SME Connect scheme		Term Loan/Cash Credit	9.25%
(iii)	SIB Bandhak		Term Loan/Cash Credit	10.50%
(iv)	Asset Backed Loan		Reducing OD	9.00%
(v)	MSME including SRWTO, SEP, Retail Trade		Term Loan/Cash Credit	10.50%
(vi)	RMGB Doctor plus Scheme			9.75%
(vii)	SME Smart Score Loan			10.50%
(viii)	Real Estate			10.50%
(ix)	RMGB Rent Plus Loan Scheme		Loan Up to 3 Years	10.00%
			Loan Above 3 Years To Upto 7 Years	10.50%
			Loan Above 7 Years To Upto 10 Years	10.75%
(x)	RMGB Shoppe Loan Scheme			11.50%
(xi)	RMGB Professional Plus			11.50%
(xii)	Marble Plus Scheme (Term Loan and CC )			11.25%
	Note 01	(Fixed for one year from date of sanction) and from IInd year 11.50%
(xiii)	RMGB SME/Corporate Retail Car Loan			7.90%
(xiv)	Simplified Small Business Loans (SSBL)			10.50%
(xv)	RMGB Vidyut E Auto Loan		Up to 2.00 lacs	11.20%
			Above 2.00 lacs & up to 25.00 lacs	11.70%
(xvi)	Loan to JLG		JLG Non Agriculture	11.00%
(xvii)	Indirect loans to NGO/NCO/VAS/SHPI lending to SHG*		Upto Rs. 25.00 lacs	12.45%
(xviii)	RMGB Solar Photovoltaic Water Pumping			11.50%
(xix)	Educational Loan to Institute		Term Loan	10.50%
(xx)	MSME Loans (More than Rs. 50.00 Lacs) (Scheme- SME Saral Loan, SME Connect scheme, SIB Bandhak, Asset Backed Loan &RH and Other MSME loans			Minimum 8.40% **
(xxi)	SME Gold Loan		Demand Loan	7.65%
** Term and Conditions apply.

Rate of interest in retail term deposits (less than Rs. 15 lakhs) of the bank from 07-11-2020 will be as follows: -
Revised interest rate: Retail term deposits (less than Rs. 15 lakhs)
Tenor	Rate for Public		*Rate for Senior Citizen ()**		Rate for Staff		*Rate for senior citizen () Staff**
	Present rates	New rates	Present rates	New rates	Present rates	New rates	Present rates	New rates
7 days to 45 days	3.10	3.00	3.10	3.00	4.10	4.00	4.10	4.00
46 days to 179 days	4.15	4.00	4.15	4.00	5.15	5.00	5.15	5.00
180 days to less than 1 year	4.75	4.75	4.75	4.75	5.75	5.75	5.75	5.75
1 year	5.30	5.15	5.80	5.65	6.30	6.15	6.80	6.65
More than 1 year to less than 3 year	5.35	5.30	5.85	5.80	6.35	6.30	6.85	6.80
3 years to less than 5 years	5.35	5.40	5.85	5.90	6.35	6.40	6.85	6.90
5 years and up to 10 years	5.50	5.50	6.00	6.00	6.50	6.50	7.00	7.00
() Senior citizen benefit will be payable only for deposit for tenor of 1 year and above*

5. The interest rates in term deposits (Rs 15 lakh and above and less than Rs 1 crore) of the bank from 07.11.2020 will be as follows: -
Revised interest rate: Bulk term deposits (Rs 15 lakh and above and less than Rs 1 crore)
Tenor	Rate for Public		*Rate for Senior Citizen ()**		Rate for Staff		*Rate for senior citizen () Staff**
	Present rates	New rates	Present rates	New rates	Present rates	New rates	Present rates	New rates
7 days to 45 days	3.10	3.00	3.10	3.00	4.10	4.00	4.10	4.00
46 days to 179 days	4.15	4.00	4.15	4.00	5.15	5.00	5.15	5.00
180 days to less than 1 year	4.75	4.75	4.75	4.75	5.75	5.75	5.75	5.75
1 year	5.30	5.15	5.80	5.65	6.30	6.15	6.80	6.65
More than 1 year to less than 3 year	5.35	5.30	5.85	5.80	6.35	6.30	6.85	6.80
3 years to less than 5 years	5.35	5.40	5.85	5.90	6.35	6.40	6.85	6.90
5 years and up to 10 years	5.50	5.50	6.00	6.00	6.50	6.50	7.00	7.00
() Senior citizen benefit will be payable only for deposit tenor of 1 year and above*

6. And the interest rate in the Bulk term deposits of the bank (Rs. 1 crore and above and up to Rs. 10 crore) from 07.11.2020, will be as follows: -
Revised interest rate: Bulk term deposits (Rs 1 crore and above and Rs 10 crore)
Tenor	Rate for Public		*Rate for Senior Citizen ()**		Rate for Staff		*Rate for senior citizen () Staff**
	Present rates	New rates	Present rates	New rates	Present rates	New rates	Present rates	New rates
7 days to 45 days	3.00	3.00	3.00	3.00	4.00	4.00	4.00	4.00
46 days to 179 days	3.30	3.10	3.30	3.10	4.30	4.10	4.30	4.10
180 days to less than 1 year	3.60	3.60	3.60	3.60	4.60	4.60	4.60	4.60
1 year	4.25	4.05	4.75	4.55	5.25	5.05	5.75	5.55
More than 1 year to less than 3 year	4.25	4.30	4.75	4.80	5.25	5.30	5.75	5.80
3 years to less than 5 years	4.55	4.30	5.05	4.80	5.55	5.30	6.05	5.80
5 years and up to 10 years	4.55	4.30	5.05	4.80	5.55	5.30	6.05	5.80
(*) Senior citizen benefit will be payable only for deposit tenor of 1 year and above

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