Interest Rates

Select Scheme
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Gold Loan General

Upto and including Rs.20,000/- 6.75% per annum (simple)

Rs. 20,001 to Rs.30,000/- 8.5% per annum (simple)

Above Rs.30,000/- and upto & including Rs.25,00,000/- 9.5% p.a. (simple)

Default rate
3 months to 6 months = Normal Rate +1.5%
6 months to 9 months = Normal Rate +1.75%
9 months to 1 year = Normal Rate +2%
Above 1 year = Normal Rate+2.25%.

Minimum Interest Rs.25/- for loans above Rs.5000/-

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Gold Loan Janamithram

4.9% Yearly Diminishing with EMI
12 % penal interest on EMI

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KSFE Housing Loan

Rs.10 lakhs & below: 8.50% p.a. (yearly diminishing)

Above Rs.10 lakhs & upto 1 Crore: 9.25% p.a (yearly diminishing)

( Max. period 30 years or attainment of 70 years of age whichever is earlier)

[up to the fixation of EMI- 13.25%(simple)]

(Penal rate 18% per annum on EMI)

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KSFE Personal Loan

Personal Loan (Secured Loan) - 11% p.a ( yearly diminishing)

Personal Loan (Unsecured Loan )- 11.5% p.a (yearly diminishing)

(Max. Period 72 months)

(Default Penal Int. 18% p.a.on EMI)

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Chitty Loan

Chitty duration 50 months and below is 11.75% (simple) and for defaulted accounts 14.00%.

Chitty duration above 50 months is 11.25% (simple) and for defaulted accounts 13.5%.

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Pass Book Loan

Regular – 10.75% p.a.(simple)

Defaulter – 13.25% (simple)

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Consumer / Vehicle Loan

Regular – 12.00% p.a.(simple)

Defaulter – 14.00% (simple)

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Special Car Loan

Regular – 12.00% p.a.(Monthly diminishing )

Defaulter – 18.00% (on EMI)

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Fixed Deposit Loan

2% above the FD interest rate

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Fixed Deposit 1-year and above but not exceeding 3 years

6% p.a. for FD from Public

6.75% p.a. FD for Senior Citizens

6.25% p.a. for Chitty Prize Money deposits

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Short Term Deposit

30 days to 60 days 3.25% per annum

61 days to 90 days 4.25% per annum

91 days to 180 days 4.75% per annum

181 days to 364 days 5.50% per annum

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Sugama Deposit

5.50% on the minimum balance maintained in the

account between 6th and the last day of the any month.

The interest will be credited twice in an year,

on 30 September and 31 March.

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Chitty Security Deposit-in-Trust

6.75% per annum for Prize Money deposits limited to future liability

( For less than1 year -same as Short Term Deposit).

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Sugama Akshaya Over Draft

Regular – 13.00% (daily diminishing) on product basis

Defaulter – 15.00%

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Chitty Prize Money Advance

12.25% p.a.(simple)

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Turn over (March 2021)






Paid-Up Capital