Interest Rates for Loans & Deposits

വായ്പാ നിക്ഷേപ പലിശ നിരക്കുകൾ By Mohandas T, Jr. Inspector, Malappuram

Table of Interest Rates of Fixed Deposits from 1 – 12 – 2013 ( By   Vinod. P, Jr. Inspector, AR Off. Manjeri)

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10 – 2024 Revised Interest Rates for Deposits

6 – 2024 Revised Rates of Interest applicable on Agriculture allied Loans and Non Agriculture Loans

5 – 2024 Revised rates of Interest applicable to deposits made by Primary Banks-Societies in Kerala Bank

1 – 2024 Revised Interest Rates for Fixed Deposits

9 – 2023 Revised Interest Rates for Fixed Deposits

42 – 2022 Revised Rates of Interest on Fixed Deposits wef 14th Oct. 2022

G O (Ord) No. 290 – 2022 – Coop Dt. 30 – 4 – 2022 Uralungal Labour Contact CS – Accepting Deposit with 1% extra Interest – Extension of period

6 – 2022 Revised Interest Rates for Loans

5 – 2022 Revised Interest Rates for Fixed Deposits

5 – 2021 Revised Interest for Fixed Deposits

3 – 2021 Revised Interest Rates for Loans

43 – 2020 Revised Interest for Fixed Deposit w.e.f 21 – 5 – 2020.

55 – 2019 40th Deposit Mobilisation Campaign – Extension upto 29-2-2020 and change of Interest.

41 – 2019 Revised Interest Rates of Loans w e f   9 – 10 – 2019

40 – 2019 Revised Interest Rates for Deposits wef 10 – 10 – 2019

29 – 2019 Revised Interest rates for Deposits wef 24 – 7 – 2019

10 – 2019 Interest Rates for Fixed Deposits during Deposit Mobilisation Campaign – March 2019.

4 – 2019 Revised Interest Rates for Fixed Deposits

54 – 2018 CRR of DCBs – Invested in State Coop Bank – Adl. Interest for FD 

11 – 2018 Deposit Mobilisation Campaign – Interest Rates – Extension upto 31-3-2018 

1 – 2018 Revised Interest Rates for Fixed Deposits during Deposit Mobilisation Campaign wef 10-1-2018 

52 – 2017 Revised Interest Rates for Fixed Deposits wef 16 – 12 – 2017 

51 – 2017 Revised Interest Rates for Loans wef 16 – 12 – 2017 

39 – 2017 Renewable Energy Loan – Guidelines 

30 – 2017 Revised Interest Rates for Deposits wef  13 – 6 – 2017 

8 – 2017 Interest Subvention on Agriculture Loans for 2 months Nov and Dec 2016 

4 – 2017 Interest Subvention on Agriculture Loans – Guidelines 

2 – 2017 Revised Interest Rates on Fixed Deposits wef 1 – 1 – 2017 

19 – 2016 Revised Interest rates for Non Agriculture Loans and Agri Allied Loans w.e.f. 16 – 6 – 2016 

15 – 2016 Revised rates of interest on Fixed Deposits from 1 – 6 – 2016 on wards 

6 – 2016 Direction not to give interest in excess of what is fixed by R C S 

G O (Ord) No. 56 – 16 – Coop Dt. 29 – 1 – 2016 Endosulfan affected loanees in Kasergod Dt. – Direction to write off interest

Income Tax – NOT to charge  on Interest from Fixed Deposit made by Coop Banks in Govt Treasury

43 (A) – 2015 Revised Rates of Interest for Non Agriculture Loans and Agri. Allied Loans – Modification to Circular No 43 – 2015 

43 – 2015 Revised Interest Rates for Non Agriculture Loans and Agriculture Allied Loans wef 1 – 10 – 2015

42 – 2015 Revised Interest rates for Fixed Deposits wef 3 – 10 – 2015

30 – 2015 Revised Rates of Interest for Fixed Deposits 

6 – 2015 Interest Relief to Short Term Loans taken during 2012 – 2013 – Guidelines 

G O (Ord) No. 601 – 2015 – Coop Dt. 1 – 10 – 2015 Permission to  Kerala Land Reforms and Development Coop Society to accept deposit with 1% extra interest

62 – 2014 Revised Interest  Rates for Long Term Deposits-Directions 

23 – 2014 Revised Interest Rates for Loans from 30 – 5 – 2014 

G O (Ord) No 739 – 2013 – Coop Dt. 22 – 11 – 2013 Interest rebate to short term Agriculture Loans during 2012 – 2013 

79 / 2013 Higher rates of interest to Senior Citizens – Direction to strictly comply with age limit 

77 / 2013 INTEREST SUBVENTION at the rate of 2% to AGRICULTURE LOANS 

72 / 2013 Deposit Mobilisation 2013 – Interest rates 

48 / 2013 Direction as to strict compliance of interest rates fixed by RCS 

03 /  2013 DIRECTION NOT TO LEVY OR CHARGE INTEREST INEXCESS OF WHAT IS FIXED BY RCS 

47 / 2012 Interest rates for Fixed Deposits 

42 / 2012 Interest Rates for Fixed Deposits 

40 / 2012 Interest Rates for Fixed Deposits 

37 / 2012 Interest Rates for Fixed Deposits 

22 / 2012 Interest Rate for Fixed Deposits 

20 / 2012 Interest Rates of Agriculture allied and Non Agriculture Loans 

19 / 2012 Revision of Interest Rates of Fixed Deposit and Savings Accounts 

90 / 2011 Revised interest for Agri loans

89 / 2011 Revised interest rates for Fixed Deposits

77 / 2011 Maximum Interest rates of Agri allied and Non Agri loans

60 / 2011 Interest rates of loans 

52 / 2011 Interest rates of Loans 

51 / 2011 Revised interest rates on Fixed Deposits 

42 / 2011 Reduced Rate of Interest on Housing Loan and Overdraft of employees of Coop Societies 

25 / 2011 Deposit Mobilisation Campaign 2011 – Maximum Interest Rates for Fixed Deposits

18 / 2011 Deposit Mobilisation Campaign – 2011 Interest Rates for FIXED DEPOSITS 

11 / 2011 New Deposit Scheme – Higher interest to Senior Citizens 

9 / 2011 Interest Rebate to Agriculture Loans with 7% Interest 

4 / 2011 Revised Interest Rates for Fixed Deposits 

3 / 2011 Starting of Special Deposit Scheme 

64 – 2010 Revised Interest Rates for Fixed Deposits 

58 – 2010 Deposit Mobilisation Campaign – Excess interest to Senior Citizens – Guidelines 

56  – 2010 Revised interest rates for Fixed Deposits received by State Coop Bank from D C Bs

55 – 2010 Revised Interest Rates for Fixed Deposits

51 – 2010 Direction NOT to levy or give interest in excess of what is fixed by R C S 

46 – 2010 Interest Rates of S H Gs having account in S C Bs

36 – 2010 Revised Interest Rates for Fixed Deposits

21 / 2010 Revised Interest rates for Fixed Deposits

12 / 2010 Raising of Interest of Agriculture and Non Agriculture Loans of Coop Societies and Banks

10 / 2010 Revised Interest Rates for Fixed Deposits 

04 / 2010 Revised Interest Rates for Fixed Deposits

01 / 2010 Revised Interest Rates for Fixed Deposit

 55 – 2009 Revised Interest Rates for Fixed Deposits

53 – 2009 Deposit Mobilisation – Revised Interest Rates for Fixed Deposit

52 – 2009 Deposit Mobilisation – Revised Interest rates for Fixed Deposits 

43 – 2009 Primary Housing Coop Societies – Guidelines for realisation of interest

40 – 2009 Revised Interest Rates for Non Agriculture and Agriculture Allied Loans 

39 – 2009 Revised Interest Rates for Fixed Deposits

32 – 2009 Revised Interest Rates for Fixed Deposits

25 – 2009 Revised Interest Rates of Non Agriculture and Agriculture Allied Loans

24 – 2009 Revised Interest Rates for Agriculture Loans

18 – 2009 Revised Interest Rates of Fixed Deposits

10 – 2009 Revised Interest Rates on Fixed Deposits

74 – 2008 Interest Rates of Fixed Deposit – Previous Interest Rates will continue 

73 – 2008 Saharna Nikshepam Keraleeyam – Deposit Mobilisation Campaign – Revised Interest Rates for Fixed Deposit 

72 B – 2008 Revised Interest Rates for Non Agriculture Loans

72  A- 2008 Revised Interest Rates for Agriculture Loans

72 – 2008 Direction to D C B s NOT to charge interest on loans coming under central Agriculture Debt Relief Scheme after 29-2-2008

70 – 2008 Sahakarna Nikshepam Keraleeyam – Deposit Mobilisation Campaign – Revised Interest rates

66 – 2008 Revised Interest Rates for Fixed Deposits

55 – 2008 Revised Interest Rates for Non Agriculture Loans 

48 – 2008 Revised Interest Rates for Fixed Deposits 

46 – 2008 Revised Interest Rates for Non Agriculture Loans 

45 – 2008 Revised Interest Rates for Agriculture Loans 

42 – 2008 Direction to waive interest on loans upto 2 lakhs on death of loanee if the legal heirs pay debt within one year

38 (A) – 2008 Verification of Interest charged on Loans issued by Coop Societies – Directions 

33 – 2008 Revised Interest Rates for Fixed Deposits

22 – 2008 Revised Interest Rates for Fixed Deposits

20 – 2008 Revised Interest Rates for Fixed Deposits 

10 – 2008 Revised Interest Rates for Fixed Deposits

6 – 2008 Revised Interest Rates for Non Agriculture Loans 

5 – 2008 Revised Interest Rates for Fixed Deposits

73 – 2007 Special Deposit Scheme – Revised Interest Rates

72 – 2007 Revised Interest Rates for deposits 

67 – 2007 Direction to give maximum interest rate to Reserve Fund deposit made by Primary Coop Societies in D C Bs and DCBs  in State Coop Bank 

63 A – 2007 Revised Interest Rates for Senior Citizens on long term Deposits 

63 – 2007 Revised Interest Rates for Deposits 

58 – 2007 Revised Interest Rates for Education Loans

57 – 2007 Revised Interest Rates for Deposits 

47 – 2007 Interest Free Loans to Paddy Farmers of Palghat district 

43 – 2007 Revised Interest Rates for Agricultural and Non Agricultural Loans

42 – 2007 Revised Interest Rates for Deposits  and Savings Accounts 

35 – 2007 Revised Interest Rates for Agriculture Loans to Paddy Farmers

30 – 2007 Charging of Interest in excess of Principal – Guidelines

29 – 2007 Revised Interest Rates for Fixed Deposit

28 – 2007 Revised Interest Rates for Non Agricultural Loans

26 – 2007 Interest Rates – Guidelines

20 – 2007 Revised Interest Rates on Loans 

19 – 2007 Revised Interest Rates for Fixed Deposits 

11 – 2007 Higher Interest Rates for Senior Citizens

10 – 2007 Revised Interest Rates for Fixed Deposits 

2 – 2007 Fixation of Interest Rates of Agricultural Loans given in Ernakulam, Palghat and Kottayam Districts

1 – 2007 Rearrangement of Agricultural Loan interest rates in Wayanad and Kasergod Districts 

 55 – 2006 Recovery of Interest in excess of Principal Amount – Guidelines

53 – 2006 Revision of Interest on Agricultural Loans in Wayanad district

49 – 2006 Revised Interest Rates for Non Agriculture Loans

48 – 2006 Revised Rates of Interest for Fixed Deposits

42 – 2006 Revised Interest Rates for Non Agricultural Loans

41 / 2006 Revised Interest rates for Fixed Deposit

35 – 2006 Revision of Interest Rates for Agriculture Loans

28 / 2006 Revised Interest rates for Agri Loans

8 / 2005 Revision of interest rate on Deposit of Primary Coop Societies in DCBs

14 / 2004 Revised interest rates for Non Agri Loans

7 / 2004 Higher interest rates to Senior citizens  on Fixed Deposits – Reduction of age limit to 60

63 / 2003 Revised Interest rates for Agriculture Loans

37 / 2003 Revised interest rates for FD – Modification to Circular No 9 / 2003

25 / 2003 Interest rebate of 1% to prompt repayment of Loans

18 / 2003 Revised interest rates for Non Agri Loans – Modifications

10 / 2003 Revised rates of interest for Loans

9 / 2003 Revised rates of interest for Fixed  Deposits

2 / 2003 Revised Interest rates – Modification to Circular No 45 / 2002

46 / 2002 Revised Interest rates for Fixed  Deposits

45 / 2002 Revised interest rates for Non Agriculture Loans

29 / 2002 Revised rates of Interest for Loans

6 / 2002 Revised rates of interest on Loans

5 / 2002 Revised rates of interest on deposits

43 / 2001 Revised interest rates for Deposits

34 / 2001 Revised interest rates for non Agri Loans

33 / 2001 Revised interest rates for Deposits

1 / 2001 Revised rates of interest on Deposits

49 / 2000 Revised rates of Interest for Loans

 16 – 2000 Revised Interest rates for Fixed Deposits

31 / 1999 Revised rates of Interest for Fixed Deposits

15 / 1999 Revised rates of Interest of Fixed Deposits

14 / 1999 Direction NOT to give Excess interest or any gifts to attract more Deposits

8 / 1997 Direction NOT to give interest in excess of what is fixed by RCS

6 – 1996 Charging of higher rates of interest on Loans and Cash Credits issued by Coop Societies – Direction to prevent it

5 / 1993 Interest on Deposits of EMPLOYEES OF PRIMARY COOP SOCIETIES – Allowing additionl discretionary interest – guidelines

4/1992 Recurring Deposit accepted by Primary Credit Coop Societies – need for a Unified rate – Instructions

41 / 1991 Direction NOT to charge interest in excess of Principal amount in case of Short term Agri Loans

17 – 1983 Financial accommodation from NABARD – Interest rates.

69 / 1982 Direction to give interest in accordance with the circular of RCS