Interest Rates
Interest Rates at a Glance
View the latest published interest rates for deposits, loans, gold loans and selected banking services offered by Peoples Urban Co-operative Bank Ltd.
Savings & Current Account
Basic deposit account interest information.
| Account Type | Interest Rate | Remarks |
|---|---|---|
| SB Account | 4.00% | Savings Bank Account |
Fixed Deposit - Domestic
Interest rates applicable to domestic fixed deposits.
| Period | General | Senior Citizens | Super Senior Citizens |
|---|---|---|---|
| 31 days to 46 days | 5.00% | 5.50% | 5.75% |
| 47 days to 90 days | 5.25% | 5.75% | 6.00% |
| 91 days to 180 days | 5.50% | 6.00% | 6.25% |
| 181 days to 364 days | 6.50% | 7.00% | 7.25% |
| 1 Year to 3 Years | 7.70% | 8.20% | 8.25% |
| Above 3 Years and up to 120 Months (10 Years) | 7.00% | 7.50% | 7.75% |
| Bulk Deposits ₹1 Crore and Above - (12 Months) | 7.70% | 7.70% | 7.70% |
Peoples Special Deposit Scheme (PSDS)
Non-Callable Deposit Scheme.
| Deposit Period | Interest Rate |
|---|---|
| 444 Days | 7.80% |
| 555 Days | 8.00% |
Premature closing interest is applicable at the Savings Bank Account rate.
NRE Fixed Deposit
Interest rates applicable to eligible NRE Fixed Deposits.
| Period | Interest Rate |
|---|---|
| 12 Months to 36 Months | 7.25% |
| Bulk Deposits Above ₹1 Crore (12 Months) | 7.60% |
Housing Loan - Diminishing
Housing finance interest rates based on sanctioned amount.
| Loan Amount | Interest Rate |
|---|---|
| Up to ₹10 Lakh | 8.75% |
| Above ₹10 Lakh | 11.25% |
Housing Loan - Floating
Floating rate housing loan options.
| Loan Amount | Interest Rate |
|---|---|
| Up to ₹10 Lakh | 8.75% |
| Above ₹10 Lakh | 11.50% |
Interest Rates on Loans
Current interest rates applicable to selected loan products.
| Loan Scheme | Interest Rate | Limit / Tenure |
|---|---|---|
| Housing Loan - Diminishing / EMI / Floating (120 Months) | 8.75% | Up to ₹10 Lakh |
| Housing Loan - Diminishing (120 Months) | 11.25% | Above ₹10 Lakh |
| Housing Loan Floating (121 to 240 Months) | 10.75% | Up to ₹10 Lakh |
| Housing Loan Floating (Up to 240 Months) | 11.50% | Above ₹10 Lakh |
| Mortgage Loan Business - Diminishing | 12.25% | - |
| Mortgage Loan Staged Business - Diminishing | 12.25% | - |
| Mortgage Loan (Consumption Loan) Diminishing | 13.50% | - |
| Mortgage Loan (Marriage ) Diminishing | 13.00% | - |
| Overdraft / Cash Credit | 11.90% | - |
| Peoples Vehicle Loan Scheme - EMI | 9.60% | - |
| Vehicle Loan | 9.60% | - |
| Vehicle Loan Against Fixed Deposit | 9.60% | - |
| People's EV Loan - Electric Vehicle Loan | 9.60% | - |
| Solar Power Loan - EMI ( 48 Months ) | 11.90% | |
| Solar Power Loan - MNRE Scheme ( 60 Months ) | 11.90% | |
| Peoples Overseas Education Up to 20 Lakhs | 9.99% |
Gold Loan - General Repayment Scheme
General repayment option for eligible gold loans.
| Advance Amount | Period | Rate per Gram | Interest Rate |
|---|---|---|---|
| ₹4,00,001 to ₹10,00,000 | 6 Months | ₹10,000 | 10.50% |
Gold Loan - Bullet Repayment Scheme
Bullet repayment option for eligible gold loans.
| Advance Amount | Period | Rate per Gram | Interest Rate |
|---|---|---|---|
| Up to ₹2,50,000 | Up to 3 Months | ₹11,000 | 11.90% |
| ₹2,50,001 to ₹4,00,000 | Up to 3 months | ₹10,500 | 11.50% |
| Up to ₹4,00,000 | Above 3 months Up to 12 Months | ₹10,000 | 11.00% |
Sthree Rathnam Gold Loan
Gold loan scheme (Women members only)
| Advance Amount | Period | Rate per Gram | Interest Rate |
|---|---|---|---|
| ₹4,00,001 to ₹10,00,000 | 6 Months | ₹10,000 | 10.20% |
Peoples' Gold Overdraft
Gold overdraft facility for eligible agricultural requirements.
| Advance Amount | Period | Rate per Gram | Interest Rate |
|---|---|---|---|
| Up to ₹25,00,000 | 1 Year | ₹10,000 | 10.90% |
Peoples' Special Gold Loan
Special gold-backed finance option.
| Advance Amount | Period | Rate per Gram | Interest Rate |
|---|---|---|---|
| Discontinued | N/A | N/A | N/A |
Important Information
ZERO INSURANCE AND STATIONARY CHARGES FOR GOLD LOANS WEF 2nd FEBRUARY 2026