Interest Rate on Advances w.e.f 1st April 2017

KBS bank has adopted Base rate model from 1st June 2017 and the current base rate is 13%.

Sr. No Product Name Rate Of Interest
1 Crop Loan (Incl. Crop veg cult. & Cash Credit for Agri)  
Up to Rs.25,000/- 24%
Above Rs.25,000/- to Rs.50,000/- 20%
Above Rs.50,000/- to Rs.1,00,000/- 18%
Above Rs.1,00,000/- to Rs.2,00,000/- 17%
Above Rs.2,00,000/- 15%
2 Agri Investment loans-(AGI)  
Up to Rs.25,000/- 24%
Above Rs.25,000/- to Rs.50,000/- 20%
Above Rs.50,000/- to Rs.1,00,000/- 18%
Above Rs.1,00,000/- to Rs.2,00,000/- 17%
Above Rs.2,00,000/- 15%
3 AGA (Dairy and Non Dairy)  
Up to Rs.25,000/- 24%
Above Rs.25,000/- to Rs.50,000/- 20%
Above Rs.50,000/- to Rs.1,00,000/- 18%
Above Rs.1,00,000/- to Rs.2,00,000/- 17%
Above Rs.2,00,000/- 16%
4 Micro-enterprises Loan(NFS)  
Up to Rs.25,000/- 24%
Above Rs.25,000/- to Rs.1,00,000/- (With collateral) 20%
Above Rs.50,000/- to Rs.3,00,000/- (Without collateral) 17%
Above Rs.3,00,000/- 15%
5 Growth Micro-enterprise Loans - Composite Loan (GME)  
Above Rs.1,00,000/- to Rs.3,00,000/- 17%
Above Rs.3,00,000/- 15%
6 Gen Purpose loans JLG/individual (GPL)  
Up to Rs.30,000/- only 24%
7 House Repair, Construction & Expansion Loan  
Up to Rs.1,00,000/- 17%
Above Rs.1,00,000/- to Rs.3,00,000/- 14%
Above Rs.3,00,000/- 13%
8 Cash Credit /Overdraft facility  
Up to Rs.25,000/- 24%
Above Rs.25,000/- to Rs.1,00,000/- 20%
Above Rs.50,000/- to Rs.3,00,000/- 17%
Above Rs.3,00,000/- 15%
9 Professional Higher Education (Above Rs.25,000/- only) 13%
10 Vocational Courses (Above Rs. 25,000/- only) 16%
11 Gold Loan - "Demand Loan against pledge of gold ornaments"  
For Crop (10,000/- to 10,00,000/- Only) 14%
For Non-Farm Sector (10,000/- to 10,00,000/- Only) 15%
Short term Gold Loan (10,000/- to 10,00,000/- Only) - Max Tenor : 6months 13%
12 Loans for Salaried class (50,000/- to Rs.2 lac) 17%
13 Loan for Commercial Construction (Min. Above Rs.1 Lac only)
Above Rs.1,00,000/- to Rs.3,00,000/- 15%
Above Rs.3,00,000/- 14.50%
14 Sudhama Loan 16%
15 Mortgage Loans
Above Rs.1,00,000/- to Rs.3,00,000/- 16%
Above Rs.3,00,000/- 15%
16 Loan against Warehouse Receipts (Min. Above 25,000/- only) 15%

The aforesaid interest rates are for top rated borrowers(as per internal credit rating)and bank can charge additional interest up to 2% depending on the rating of borrowers for loans above Rs.1 lac as envisaged in the credit policy.