Interest Rate
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Interest Rates
The Base Rate and EBLR are reduced by 25 basis points from 9.50% to 9.25%, and the RLLR is reduced to 9.00%, with effect from 01.01.2026.
Credit Band & Rating
| Credit Band | Score Range |
|---|---|
| Band 1 | ≥ 75% |
| Band 2 | ≥ 65% and < 75% |
| Band 3 | ≥ 55% and < 65% |
| Band 4 | ≥ 40% and < 55% |
Sector-wise Interest Rates (Effective rate after rebate of 0.50%)
MSME Units & Infrastructure Sector / Hospitality / Healthcare
| Category | Gold Card & Band 1 | Band 2 | Band 3 | Band 4 |
|---|---|---|---|---|
| Standard Rate | 9.25% | 9.75% | 10.25% | 10.75% |
Hotels & Resorts with Bar
| Category | Gold Card & Band 1 | Band 2 | Band 3 | Band 4 |
|---|---|---|---|---|
| Standard Rate | 10.25% | 10.75% | 11.25% | 11.75% |
Unclassified Hotels (<10 rooms), Auditoriums, Convention Centres, Lodges, Hostels, Kalyanamandapam, Godowns, Warehouses, Quarry & Metal Crushing Units
| Category | Gold Card & Band 1 | Band 2 | Band 3 | Band 4 |
|---|---|---|---|---|
| Standard Rate | 10.25% | 11.25% | 12.25% | 13.25% |
Real Estate & Entertainment (Flats, Apartments, Villas, Shopping Complexes, Malls, Multiplexes, Cinema Theatre, Film/Serial Production)
| Category | Gold Card & Band 1 | Band 2 | Band 3 | Band 4 |
|---|---|---|---|---|
| Standard Rate | 10.25% | 11.25% | 12.25% | 13.25% |
CRE – RH
| Category | Gold Card & Band 1 | Band 2 | Band 3 | Band 4 |
|---|---|---|---|---|
| Standard Rate | 9.75% | 11.25% | 12.25% | 13.25% |
Contractor Loans (WEF & EFF)
| Category | Gold Card & Band 1 | Band 2 | Band 3 | Band 4 |
|---|---|---|---|---|
| Standard Rate | 10.50% | 11.50% | 12.50% | 13.50% |
Special Loan Schemes
Chief Minister’s Entrepreneurship Development Programme (CMEDP)
Loans up to Rs 500 lakhs at 6% p.a.Agro-based MSME Loan Scheme (KAMS)
Loans up to Rs 1000 lakh at 6% p.a.Startup Kerala – Comprehensive Scheme
Up to Rs 200 lakh at 5.60% p.a.Up to Rs 1000 lakh at 7.60% p.a.