Interest Rates

Details of rates of interest charged by NABARD for Refinance to banks (w.e.f. 17.08.2025)

Sr. No	Particulars	Interest Rate (%)
1	Short Term refinance assistance:
a	State Cooperative Banks for financing crop loans	4.5
b	RRBs for financing crop loans	4.5
c	DCCBs directly financing for crop loans	4.5
d	Commercial Banks./RRBs in respect of their finance to PACS towards crop loans	4.5
e	ST – Additional SAO/ST(Others)/ ST (SAO ) -SCARDBs (Annual Product)
	ST – Additional SAO (StCBs and RRBs)	*
	ST(Others) (StCBs and RRBs)	*
	ST (SAO ) -SCARDBs (Annual Product)	*
f	StCBs/RRBs - Conversion of Short Term- crop loans into Medium Term loans (3% less than the interest rate charged by banks to ultimate beneficiaries subject to minimum interest rate at 8.10%)	8.10
2	Long Term refinance assistance **
a	LT loan to State Govt. for contribution to share capital of coop. credit institutions	*
	LT loan to State Govt. for contribution to share capital of RRBs	*
b	RRBs/ StCBs
	- Refinance for 5 years and above	*
	- Refinance for 3 years to less than 5 years	*
	- Refinance for 18 months to less than 3 years	*
	SCARDBs
	-Refinance for 5 years and above	*
	Refinance for 3 years to less than 5 years	*
	Refinance for 18 months to less than 3 years	*
	*The rates are dynamic and determined by ALCO based on market conditions
	** RoI subject to ALCO decisions from time to time
3	DIRECT LENDING
a	Warehouse Infrastructure Fund (WIF)
	State Governments	(Bank rate–1.50)%
	State Government Corporation (with State Govt. Guarantee)	(Bank rate – 1.50)%
	Entities promoted by State / Central Government owned/assisted (without State Govt. Guarantee)	PLR + Risk premium
	Other entities	PLR + Risk premium
	* Current Bank Rate – 5.75%
b	Food Processing Fund (FPF)
	State Governments	(Bank rate – 1.50) %
	Entities promoted by State Governments (with Govt. Guarantee)	(Bank rate – 1.50) %
	Entities promoted by State Governments (without Govt. Guarantee)	PLR + Risk premium
	Other entities	PLR + Risk premium
	* Current Bank Rate – 5.75%