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| Types of Loans & Advances (CATEGORY) | Rate of Interest (p.a.)* | Rate of Interest (Ambar Sakhi)* |
|---|---|---|
| Loan against Daily Deposit | 8.95% | |
| Loans and Advances against owned Term Deposit (CCF/Ambar FDOD) | 1% more than Term Deposit Rate (**) | |
| Loans and Advances against Third Party Term Deposit (CCF/Ambar FDOD) | 2% more than Term Deposit Rate (**) | |
| Gold Loans & Advances (Subject to Max. of ₹ 20/-Lakhs per Individual borrower) | 9.50% | 9.25% |
| NSC/KVP/LIC Policy Loans & Advances | 11.00% | 10.50% |
| Personal Surety / Salary Deduction Loan | 13.95% | 13.45% |
| Personal Surety Loan (Secured by Collateral in the form of GOLD, FDR, NSC & LIC Policy - Minimum Coverage 50%) | 12.45% | 12.00% |
| Personal Overdraft Scheme | 12% | |
| Credit Facility to Business Loans & Advances | 11.00% | 10.50% |
| Credit Facility to SSI Unit | - | |
| Mortgage Loans | 11.00% | 10.50% |
| Credit Facility to Builder (CRE) | 13.95% | 13.45% |
| Housing Loan (Priority) | 8.95% | |
| Housing Loan (Non-Priority) | 9.50% | |
| Vehicle Loan :- 1) Personal Use | 9.45% | 8.95% |
| 2) Ambar Sarathi (Scheme) 31.10.2025 | 8.50% | |
| 3) Commercial / Business Use | 10.45% | 9.95% |
|
Ambar Yuva Education : Old Before Completion of Education |
10.45% | 10.00% |
|
Ambar Yuva Education : Old After Completion of Education |
11.45% | 11.00% |
| New Education Loan Scheme w.e.f. 25.04.2026 | - | |
| Stage 1: Primary & Secondary/Higher Secondary Education | 13% | |
| Stage 2: Preliminary Examination / Coaching Finance | 12% | |
| Stage 3: Higher Education (India & Abroad) | For Boys | For Girls |
| Priority: (Upto 25.00 Lakh) | 9.25% | 9.00% |
| Non Priority: (Above 25.00 Lakh) | 9.50% | 9.25% |
| 0.25% Concession for IIM, IIT, XLRI & ISB, Govt. Recognized Medical College | - | |
| Swayamsiddhi Loan (Only for Women) | - | 8.95% |
| Ambar Samruddhi :- Overdraft (Only for Women) | - | 8.95% |
| Ambar Rajani Loan (Only for Women) | - | 10.45% |
| Ambar Chhaya Loan | 10.45% | 10.00% |
| Ambar Consumer Loan | 12.95% | 12.45% |
| Ambar Safar Loan | 10.45% | 10.00% |
| Ambar Vikas Loan | 15.00% | |
| Ambar Salary Overdraft | 11.50% | |
| Ambar Working Capital Term Loan / Facility | 11.95% | |
| Ambar House Repairing Loan (Priority) | 10.95% | |
| Ambar House Repairing Loan (Non-Priority) | 11.50% | |
| Ambar Housing Top – Up Loan | 9.95% | 9.70% |
| Ambar Decor Loan | 10.95% | 10.45% |
| Ambar Pro Loan | 10.45% | 10.00% |