Social & Community Lending
SHG Advance Rates
Empowering Self Help Groups through subsidized credit effective from 17-01-2026.
Women SHG Star
7.00%
Upto ₹3.00 Lac (NRLM)
Social Priority
10.00%
For 3L to 5L Bracket
Non-Women
11.40%
Upto ₹20.00 Lac
Women SHGs (NRLM Scheme)
Subsidized rates as per GOI/RBI guidelines
| Loan Limit / Category | ROI (WC & Term Loan) |
|---|---|
Upto ₹3.00 Lakh | 7.00% Standard Loan Subvention |
Above ₹3.00L to ₹5.00 Lakh | 10.00% |
Above ₹5.00 Lakh | 12.50% |
Non-Women SHG Advances
| Loan Limit / Category | ROI (WC & Term Loan) |
|---|---|
Upto ₹20.00 Lakh | 11.40% |
Above ₹20.00 Lakh | 12.50% |
Interest Subvention Disclosure
The interest rate of 7% p.a. for Women SHGs is applicable on standard loan accounts with a running balance up to ₹3 lakh. These guidelines are strictly linked to subvention availability as per GOI and RBI directives.