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INFORMATION CENTRE

INTEREST RATE
Interest Rates

A) DETAILS OF RATES OF INTEREST CHARGED BY NABARD FOR REFINANCE TO BANKS UNDER VARIOUS SCHEMES
(w e f 10 May 2019)
 
Sr.No Particulars Interest Rate (%)
1 Short Term refinance assistance:
a State Cooperative Banks for financing crop loans  4.50
b RRBs for financing crop loans  4.50
c DCCBs directly financing for crop loans  4.50
Commercial Banks./RRBs in respect of their finance to PACS towards crop loans
 4.50
ST – Additional SAO/ST(Others)/ ST (SAO ) -SCARDBs (Annual Product)
 8.25
StCBs/RRBs - Conversion of Short Term- crop loans into Medium Term loans (3% less than the interest rate charged by banks to ultimate beneficiaries subject to minimum interest rate at 8.10%)  8.10

 
     
2 Long Term refinance assistance  
 a  LT loan to State Govt. for contribution to share capital of coop. credit institutions  8.50
 b  RRBs/ StCBs/SCARDBs  
 
 - Refinance for 5 years and above
 8.90
 
 - Refinance for 3 years to less than 5 years
 9.00
   - Refinance for 18 months to less than 5 years  8.95
 
 3  Direct Lending  
   Warehouse Infrastructure Fund (WIF)  
  State Governments Bank rate – 1.50%
  State Government Corporation (with State Govt. Guarantee) Bank rate – 1.50%
 4 Entities promoted by State / Central Government owned/assisted (without State Govt. Guarantee) PLR + risk premium
 a Other entities PLR+risk premium

* Current Bank Rate – 6.25%
# Current Prime Lending Rate (PLR) for WIF loans– 7.75% 
@ Risk Premium – Prescribed at 0.25%, 0.50% and 0.75% based on the level of project risk

   Food Processing Fund (FPF)  
  State Governments Bank rate – 1.50%
  Entities promoted by State Governments (with Govt. Guarantee) Bank rate – 1.50%
  Entities promoted by State Governments(without Govt. Guarantee) PLR + risk premium
 b Other entities PLR+risk premium

* Current Bank Rate – 6.25%
# Current Prime Lending Rate (PLR) for FPF loans– 7.25%
@ Risk Premium –  Prescribed at 0.10%, 0.20% and 0.35% based on the level of project risk