STRUCTURE OF INTEREST RATES
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(Per cent per annum)
Call/Notice
Money
Rates
Commercial Bank Rates
Deposit Rates
Year
1 to 3 yrs.
Over 3 yrs. &
upto 5 yrs.
Above 5 yrs.
SBI Advance
Rate
Lending Rates
Key Lending
Rates as
Prescribed by
RBI (All
Commercial
Banks
including SBI)
1970-71
6.38
6.00-6.50
7.00
7.25
7.00-8.50
1971-72
5.16
6.00
6.50
7.25
8.50
1972-73
4.15
6.00
6.50
7.25
8.50
1973-74
7.83
6.00
7.00
7.25
8.50-9.00
1974-75
12.82
6.75-8.00
7.75-9.00
8.00-10.00
9.00-13.50
1975-76
10.55
8.00
9.00
10.00
14.00
16.50
1976-77
10.84
8.00
9.00
10.00
14.00
16.50
1977-78
9.28
6.00
8.00
9.00
13.00
15.00
1978-79
7.57
6.00
7.50
9.00
13.00
15.00
1979-80
8.47
7.00
8.50
10.00
16.50
18.00
1980-81
7.12
7.50-8.50
10.00
10.00
16.50
19.40-19.50
1981-82
8.96
8.00-9.00
10.00
10.00
16.50
19.50
1982-83
8.78
8.00-9.00
10.00
11.00
16.50
19.50
1983-84
8.63
8.00-9.00
10.00
11.00
16.50
18.00
1984-85
9.95
8.00-9.00
10.00
11.00
16.50
18.00
1985-86
10.00
8.50-9.00
10.00
11.00
16.50
17.50
1986-87
9.99
8.50-9.00
10.00
11.00
16.50
17.50
1987-88
9.88
9.00-10.00
10.00
10.00
16.50
16.50
1988-89
9.77
9.00-10.00
10.00
10.00
16.50
1989-90
11.49
9.00-10.00
10.00
10.00
16.50
1990-91
15.85
9.00-10.00
11.00
11.00
16.50
1991-92
19.57
12.00
13.00
13.00
16.50
1992-93
14.42
11.00
11.00
11.00
19.00
1993-94
6.99
10.00
10.00
10.00
19.00
1994-95
9.40
11.00
11.00
11.00
15.00
1995-96
17.73
12.00
13.00
13.00
16.50
1996-97
7.84
11.00-12.00
12.00-13.00
12.50-13.00
14.50
1997-98
8.69
10.50 -11.00
11.50-12.00
11.50-12.00
14.00
1998-99
7.83
9.00-11.00
10.50-11.50
10.50-11.50
12.00-14.00
1999-00
8.87
8.50-9.50
10.00-10.50
10.00-10.50
12.00
2000-01
9.15
8.50-9.50
9.50-10.00
9.50-10.00
11.50
2001-02
7.16
7.50-8.50
8.00-8.50
8.00-8.50
11.50
2002-03
5.89
4.25-6.00
5.50-6.25
5.50-6.25
10.75
2003-04
4.62
4.00-5.25
5.25-5.50
5.25-5.50
10.25
2004-05
4.65
5.25-5.50
5.75-6.25
5.75-6.25
10.25
2005-06
5.60
6.00-6.50
6.25-7.00
6.25-7.00
10.25
2006-07
7.22
7.50-9.00
7.75-9.00
7.75-9.00
12.25
2007-08
6.07
8.25-8.75
7.50-9.00
7.50-9.00
12.25
2008-09
7.06
8.00-8.75
7.75-8.50
7.75-8.50
12.25
2009-10
3.24
6.00-7.00
6.50-7.50
6.50-7.50
11.75
2010-11
5.75
8.25-9.00
7.75-9.50
7.75-9.50
8.25
2011-12
8.12
9.00-9.25
8.50-9.25
8.50-9.25
9.50
es
Prime Lending Rates of Term Lending Institutions
Lending Rates
Key Lending
Key Lending
Rates as
Rates as
Prescribed by
Prescribed by
RBI (All
RBI (All
Commercial
Commercial
Banks including
Banks
SBI) - Minimum including SBI) -
IDBI
IFCI
ICICI
IIBI / IRBI
8.50 (7.00-8.50)
9.00
8.50
12.00
8.50 (7.50-8.00)
9.00
8.50
12.00
8.50 (7.50-9.75)
9.00
8.50
10.00-11.00
12.00-13.00
9.00 (7.50-10.50)
9.50
9.00
8.50
11.00-13.00
14.00-15.00
10.25 (8.00-10.50)
11.25
10.25
8.50
12.50
14.00-15.00
11.00 (8.00-11.00)
12.00
11.00
8.50
12.50
14.00-15.00
11.00 (8.00-11.00)
11.00
11.00
8.50
12.50
14.00-15.00
11.00 (8.00-11.00)
11.00
11.00
8.50
12.50
14.00-15.00
11.00 (8.00-11.00)
11.00
11.00
8.50
12.50
15.50-18.00
11.00 (8.00-11.00)
11.00
11.00
8.50
13.50
16.70-19.50 14.00 (12.00-14.50)
14.00
14.00
9.15
17.50-19.50 14.00 (12.50-14.00)
14.00
14.00
9.15
17.50-19.50 14.00 (12.50-14.50)
14.00
14.00
12.50
16.50-18.00 14.00 (11.50-16.50)
14.00
14.00
12.50
16.50-18.00 14.00 (12.50-18.50)
14.00
14.00
12.50
16.50-17.50 14.00 (11.50-16.50)
14.00
14.00
12.50
16.50-17.50 14.00 (11.50-16.50)
14.00
14.00
12.50
16.5 14.00 (11.50-16.50)
14.00
14.00
14.00
16.00
16 14.00 (11.50-16.50)
14.00
14.00
14.00
16.00
16 14.00 (11.50-16.50)
14.00
14.00
14.00
16.00
16
14.00-15.00
14.00-15.00
14.00-15.00
14.00-15.00
19.00
19
18.00-20.00
18.00-20.00
18.00-20.00
18.00-20.00
17.00
17
17.00-19.00
17.00-19.00
17.00-19.00
18.50-21.00
14.00
15
14.50-17.50
14.50-17.50
14.50-17.50
14.50-17.50
15.00
Free
15.00
14.50-18.50
14.00-17.50
14.50-17.50
16.50
Free
16.00-19.00
16.00-20.00
14.00
15.50-18.50
14.50-15.00
Free
16.20
15.00-19.50
16.50
17
14.00
Free
13.30
14.50-18.00
14.00-14.50
12.50-13.50
12.00-13.00
Free
13.50
13.50-17.00
13.00
12.00-12.50
Free
13.60-17.10
13.50-17.00
12.50
14
11.00- 12.00
Free
14.00
13.00
12.50
13.25
11.00-12.00
Free
11.50
12.50
12.50
11.5
10.75-11.50
Free
10.20
12.50
11
10.25-11.00
Free
8.90
12.50
8.5
10.25-10.75
Free
12.50
8.5
10.25-10.75
Free
12.50
8.5
12.25-12.50
Free
12.25-12.75
Free
11.50-12.50
Free
11.00-12.00
Free
8.25-9.50
Free
9.50-10.75
g Institutions
Annual (Gross) Redemption Yield of
Government of India Securities
Units of UTI (July-June)
SFCs
Dividend Rate Yield Rate
Short-Term (15yrs.)
MediumTerm (515yrs.)
Long-Term (15
yrs. & Above)
7.50-10.50
8.00
7.55
3.85-4.28
4.32-4.84
4.77-5.53
8.50-11.00
8.25
4.21-4.17
4.53-5.25
5.00-5.74
8.50-10.50
8.50
4.46-4.98
4.08-5.28
5.00-5.74
9.00-11.00
8.50
4.47-5.05
4.74-5.34
5.00-5.74
8.00-13.00
8.60
8.25
5.00-5.65
5.18-5.99
5.93-6.39
8.00-14.50
8.75
8.33
5.20-6.04
5.47-6.02
6.08-6.48
8.00-15.50
9.00
8.51
5.18-5.59
5.43-5.97
6.02-6.47
8.00-15.50
9.00
7.96
5.06-5.59
5.42-5.98
6.03-6.46
8.00-15.50
9.00
7.67
5.12-5.48
5.47-6.25
6.12-6.73
8.00-15.50
10.00
8.56
4.70-5.74
5.70-6.30
6.20-6.98
12.00-16.00
11.50
9.62
4.74-6.01
5.80-6.75
6.44-7.49
11.25-14.00
12.50
10.29
5.32-6.43
5.81-7.02
6.45-8.00
12.50-17.00
13.50
10.65
4.98-8.46
6.25-7.77
6.46-9.00
14.00-18.00
14.00
10.49
4.50-7.08
6.67-9.04
6.47-10.00
14.00-20.00
14.25
10.44
4.20-8.31
6.47-9.04
7.93-10.50
11.50-16.50
15.25
11.75
5.42-9.84
6.49-9.50
8.38-11.50
11.50-16.50
16.00
12.27
5.09-11.60
6.50-10.86
8.88-11.50
11.50-16.50
16.50
12.56
6.86-15.78
6.51-11.73
9.17-11.50
11.50-16.50
18.00
13.58
7.03-23.88
6.76-13.77
9.36-11.73
11.50-16.50
18.00
13.35
7.56-18.36
7.69-15.06
10.05-11.80
9.00-20.00
19.50
14.03
7.04-21.70
9.44-12.70
10.86-12.04
9.00-20.00
25.00
16.40
8.37-26.26
9.50-13.42
9.91-12.38
(11.50-20.00)
26.00
19.06
9.08-23.77
9.50-14.78
8.82-12.47
(11.50-20.00)
26.00
17.68
11.86-12.86
12.70-13.30
12.85-13.43
(12.00-13.50)
26.00
16.33
9.75-11.76
11.30-13.86
11.77-13.47
(12.00-13.50)
20.00
12.66
6.00-14.28
5.75-14.07
11.84-13.02
(12.00-27.50)
20.00
13.95
5.21-16.21
5.75-14.44
9.00-14.20
(12.00-18.00)
20.00
13.85
5.50-17.69
5.20-14.00
9.00-13.17
12.00-18.50
13.50
9.46
4.45-17.73
5.75-13.74
10.00-13.46
12.00-18.00
13.75
10.19
3.18-14.30
6.50-13.84
9.79-13.11
9.75-17.00
10.00
7.32
4.94-16.66
9.37-12.50
10.58-11.89
9.50-16.75
5.32-10.96
5.14-13.85
7.41-10.86
9.50-14.50
5.12-10.98
5.60-9.27
6.10-8.76
9.50-14.51
3.93-7.16
4.41-6.78
5.44-7.72
9.50-14.51
4.32-8.14
4.71-7.73
5.43-7.83
9.50-13.00
2.84-8.57
6.49-7.92
7.08-7.85
9.50-14.50
6.23-11.37
6.61-8.67
7.47-10.00
9.50-15.00
6.95-9.93
6.87-10.55
6.17-8.88
4.61-11.09
5.50-10.69
6.27-8.26
