01

Agriculture & Rural Credit

13.50%

02

Term Loan for Large Industries

14.50%

03

Term Loan for Cottage, Micro, Small & Medium Enterprises (CMSME)- non PPG Loan

14.50%

04

Working Capital for Industries

a) Large Industries

b) Cottage, Micro, Small & Medium Enterprises(CMSME)- non PPG Loan

14.50%

14.50%

05

Pre-Shipment Export Credit

13.50%

06

Trade Finance

14.50%

07

House Building Loan:

a) House Building Loan (Commercial)

14.50%

b) House Building Loan (Gen)

14.50%

08

Consumer Credit

15.00%

09

Credit Card

25.00% (Fixed)

10

Credit to Non-Banking Financial Institution

14.50%

11

Others:

a) OD (Exp) [Forced loan]

14.50%

b) SOD/Loan against FDR of other Banks, ICB unit, WEDB, Any other allowable instrument etc.

15.00% (for Consumer)

14.50% (for Corporate)

c) SOD/Loan against lien on FDR and Scheme Deposit (Except Super Savers’ Term Deposit) of our Bank.

i) 2.50% above the FDR/Effective Scheme Deposit rate of interest in case of up to 80.00% lien on FDR/Scheme Deposits.

ii) 3.00% above the FDR/Effective Scheme Deposit rate of interest in case of above 80.00% to below 90.00% lien on FDR/Scheme Deposits. Head Office circular # 4786 dated 17-04-2024 will also be followed.

d) LDBP

14.50%

e) All other loans & advances created on forced circumstances

14.50%

f) Loan against Forced Import Payment

14.50%

g) OD (General) against work order / OD against Pay Order / Earnest Money Scheme

14.50%

h) Others (not covered above)

14.50%

12

For products under PPG based:

1. Retail Loan Products
2. Festival Small Business Loan (Gen)
3. Small House Loan Scheme
4. NBL Small Business Loan
5. NBL Housing Loan
6. NBL Lease Financing (for Consumer Credit)
7. NBL Lease Financing (for Others)
8. NBL Auto Finance
9. NBL Weaver loan
10. NBL Micro loan
11. NBL Nari Jagaran Loan
12. NBL Trinamul Uddog Loan
13. NBL Nobo Uddog Loan
14. NBL Probash Bandhu

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

15.00%

• NBL Student Loan

i) Against Term/Scheme deposits:

Respective deposit interest rate+3.00%.

ii) Against Savings /Current Account: 9.00%.

Head Office circular # 4963 dated 06-08-2025 will also be followed.