Make your securities work harder for you.


Avail advance against security of national savings hassle-free

  • Benefits
  • Features
  • Eligibility
  • Interest rates & charges
  • Documentation
  • Most Important Terms and Conditions (MITC)

Advance National Savings Certificates or Kisan Vikas Patra : Benefits

Coming Soon

Advance National Savings Certificates or Kisan Vikas Patra : Features

Coming Soon

Advance National Savings Certificates or Kisan Vikas Patra : Eligibility

Coming Soon

Advance National Savings Certificates or Kisan Vikas Patra : Interest rates & charges

Rate of Interest:

Loan: BRLLR + Strategic Premium + 3.50% or 0.50% over NSC / KVP rate, whichever is higher

Overdraft: BRLLR + Strategic Premium + 4.00% or 0.75% over NSC / KVP, whichever is higher

Staff: 0.50% over NSC/KVP rate


Service Charges (Excluding GST) w.e.f. 20/06/2019:

Rs. 500
(No other charges)

Staff/Ex-Staff: No Charges

Advance National Savings Certificates or Kisan Vikas Patra : Documentation

Coming Soon

Advance National Savings Certificates or Kisan Vikas Patra : Most Important Terms and Conditions (MITC)

Nature of facility
  • Demand/term Loan
  • Overdraft

Margin
  • 15% of face value of NSC/KVP (if residual maturity period is less than 3 years)
  • 20% of face value of NSC/KVP (if the residual maturity period is 3 years and above)

Amount of advance,
  • Minimum Loan: Rs. 3000
  • Minimum Overdraft: Rs.20,000

Repayment of loan in easy EMIs.

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