Competitive Loan Rates for Your Aspirations
Empowering Mizoram with transparent financing solutions. From building your dream home to expanding your business, our flexible terms ensure your financial journey is smooth and secure.
Housing Loan
10 %
Fixed Interest Rate
Kisan Credit Card
7 %
Upto 3 lakhs
Working Capital Loan
10 %
Fixed Interest Rate
Personal Loan
12.25 %
For Salaried Personnel
Comprehensive Rate Schedule
Interest rates applicable for various loan schemes as of 2nd September, 2026.
AGRICULTURE
| Loan Type/Scheme | Category/Limit | Interest Rate (p.a.) |
|---|---|---|
|
KCC Crop Loan |
Upto Rs. 3 lakhs |
7.00 % |
|
|
Above Rs. 3 lakhs |
12.50 % |
|
KCC AH, Fisheries, Others |
Upto Rs. 2 lakhs |
7.00 % |
|
|
Above Rs. 2 lakhs |
12.50 % |
|
Agriculture (Term Loan/Working Capital) |
Upto Rs. 5 lakhs |
10.00% |
|
|
Above Rs. 5 lakhs |
11.00% |
SMALL & MEDIUM ENTERPRISE (SME)
| Loan Type/Scheme | Category/Limit | Interest Rate (p.a.) |
|---|---|---|
|
Cash Credit(SBF/SSI) |
Upto Rs. 10 lakhs |
12.50 % |
|
|
Above Rs. 10 lakhs |
13.00% |
|
Term Loan |
Upto Rs. 10 lakhs |
12.50 % |
|
|
Above Rs. 10 lakhs |
13.00% |
|
All Public Vehicle Loan (RTO) |
|
12.00% |
OTHER PRIORITY SECTOR ADVANCES
| Loan Type/Scheme | Category/Limit | Interest Rate (p.a.) |
|---|---|---|
|
Housing Salaried |
Upto Rs. 25 lakhs |
10.00% |
|
|
Above Rs. 25 lakhs (Non-Priority) |
11.00% |
|
Housing Non-Salaried |
Upto Rs. 25 lakhs |
12.00% |
|
|
Above Rs. 25 lakhs (Non-Priority) |
12.50% |
|
Education Loan |
Studies in India (Max 7.5 lakh) |
7 .00% |
|
|
Studies Abroad (Max 15 lakh) |
12 .00% |
|
NMDFC |
|
7.00% |
NON PRIORITY SECTOR ADVANCES
| Loan Type/Scheme | Category/Limit | Interest Rate (p.a.) |
|---|---|---|
|
Personal Loan |
Upto Rs. 10 lakhs |
12.25% |
|
|
Above Rs. 10 lakhs |
13.00% |
|
Festival Advance |
For Salaried Govt Employees |
12.00% |
|
Pensioner Loan |
Salaried Pensioner <75 years |
12.50% |
|
Car/Two Wheeler Loan |
For Salaried Govt Employees |
12.00% |
|
Overdraft |
|
14.00% |
|
Church Loan |
For Churches |
10.00% |
|
Loan Against Deposit/Demand Loan |
For FD Account holder |
2% above FD rate |
Terms & Conditions
• The above interest rates are effective from 02.09.2026 and are subject to change as per bank policy and RBI guidelines.
• Interest is calculated on a daily reducing balance basis unless otherwise specified.
• *Conditions apply. Final interest rate may vary based on credit score, security provided, and repayment capacity of the borrower.
• Processing fees and other incidental charges are applicable as per the bank’s schedule of charges.
Ready to start your journey?
Visit your nearest Mizoram Apex Bank branch or use our online portal to begin your application today.
