pucbank
Fixed Deposit [Domestic] |
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| Fixed Deposit Interest Rates with effect from 15-January-2026 | |||
| 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 upto 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 |
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| 444 days (Premature Closure: Interest at SB Rate) | 7.80% | ||
| 555 days (Premature Closure: Interest at SB Rate) | 8.00% | ||
NR (E) FD interest rate with effect from 01-August-2025 |
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| Period | % | Int. on maturity |
| 12 Months to 36 Months | 7.25% | |
| Bulk Deposits above 1 Crore (12 months) | 7.60% | |
HOUSING LOAN DIMINISHING |
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| Housing Loan Interest Rate with effect from 05-July-2025 | |
| Amount | Interest Rate |
|---|---|
| upto Rs 10 Lakh | 8.75% |
| Above 10 Lakh | 11.25% |
Housing Loan Floating |
|
| upto Rs 10 Lakh | 8.75% |
| Above 10 Lakh | 11.50% |
Interest rates on Loans with effect from 05-07-2025 |
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| Loans | Interest Rate | Limit |
|---|---|---|
| Housing Loan - Diminishing / EMI/ Floating (120 months) | 8.75% | Upto 10 Lakhs |
| Housing Loan - Diminishing (120 Months) | 11.25% | Above 10 Lakhs |
| Housing Loan Floating (121 to 240 Months) | 10.75% | Upto 10 Lakhs |
| Housing Loan Floating (upto 240 Months) | 11.50% | Above 10 Lakhs |
| 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 ( 48 Months ) | 11.90% | |
| Peoples Overseas Education Up to 20 Lakhs | 09.99% | |
Locker Rent Rates |
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| Fixed deposit | 15000 |
| Small size | 1000 |
| Medium size | 2000 |
| Large size | 3000 |
Gold Loan General Repayment Scheme (from 17-Aug-2026) |
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| Advance Amount | Period |
Rate per Gram |
Rate |
|
|---|---|---|---|---|
| Rs.4,00,001 to Rs.10,00,000 | 3 Months |
10000 |
9.90% |
|
Gold Loan Bullet Repayment Scheme |
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| Up to Rs. 2,50,000/- | Upto 3 Months |
11000 |
10.90% |
|
| Rs. 2,50,001 to 4,00,000 | Upto 3 Months |
10500 |
10.80% |
|
| Upto Rs. 4,00,000 | Above 3 Months Upto 12 Months |
10000 |
10.70% |
|
Peoples' Special Gold Loan |
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| Discontinued | NA |
NA |
NA |
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Sthree Rathnam Gold Loan (Women members only) |
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| Rs.400001 to Rs.10,00,000 | 03 Months |
10000 |
9.80% |
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Peoples' Gold Overdraft (Agriculture ) |
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| Up to 25,00,000 | 1 Year |
10000 |
10.50% |
|
Premium Gold Loan |
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| Discontinued | NA |
NA |
NA |
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