IST,
Table 74 : Structure of Interest Rates
(Percent per annum) |
||||||||
Year |
Call/Notice money rates |
Commercial bank rates |
||||||
Deposit rates |
Lending rates |
|||||||
1 to 3 yrs. |
Over 3 yrs. & upto 5 yrs. |
Above 5 yrs. |
SBI advance rate |
Key lending rates as prescribed by RBI (All commercial banks including SBI) |
||||
Ceiling rate general |
Minimum rate general |
Minimum rate selective credit control |
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1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
1975-76 |
10.55 |
8.00 |
9.00 |
10.00 |
14.00 |
16.50 |
12.50 |
14.00-15.00 |
1976-77 |
10.84 |
8.00 |
9.00 |
10.00 |
14.00 |
16.50 |
12.50 |
14.00-15.00 |
1977-78 |
9.28 |
6.00 |
8.00 |
9.00 |
13.00 |
15.00 |
12.50 |
14.00-15.00 |
1978-79 |
7.57 |
6.00 |
7.50 |
9.00 |
13.00 |
15.00 |
12.50 |
14.00-15.00 |
1979-80 |
8.47 |
7.00 |
8.50 |
10.00 |
16.50 |
18.00 |
12.50 |
15.50-18.00 |
1980-81 |
7.12 |
7.50-8.50 |
10.00 |
10.00 |
16.50 |
19.40-19.50 |
13.50 |
16.70-19.50 |
1981-82 |
8.96 |
8.00-9.00 |
10.00 |
10.00 |
16.50 |
19.50 |
- |
17.50-19.50 |
1982-83 |
8.78 |
8.00-9.00 |
10.00 |
11.00 |
16.50 |
19.50 |
- |
17.50-19.50 |
1983-84 |
8.63 |
8.00-9.00 |
10.00 |
11.00 |
16.50 |
18.00 |
- |
16.50-18.00 |
1984-85 |
9.95 |
8.00-9.00 |
10.00 |
11.00 |
16.50 |
18.00 |
- |
16.50-18.00 |
1985-86 |
10.00 |
8.50-9.00 |
10.00 |
11.00 |
16.50 |
17.50 |
- |
16.50-17.50 |
1986-87 |
9.99 |
8.50-9.00 |
10.00 |
11.00 |
16.50 |
17.50 |
- |
16.50-17.50 |
1987-88 |
9.88 |
9.00-10.00 |
10.00 |
10.00 |
16.50 |
16.50 |
- |
16.5 |
1988-89 |
9.77 |
9.00-10.00 |
10.00 |
10.00 |
16.50 |
- |
16.00 |
16 |
1989-90 |
11.49 |
9.00-10.00 |
10.00 |
10.00 |
16.50 |
- |
16.00 |
16 |
1990-91 |
15.85 |
9.00-10.00 |
11.00 |
11.00 |
16.50 |
- |
16.00 |
16 |
1991-92 |
19.57 |
12.00 |
13.00 |
13.00 |
16.50 |
- |
19.00 |
19 |
1992-93 |
14.42 |
11.00 |
11.00 |
11.00 |
19.00 |
- |
17.00 |
17 |
1993-94 |
6.99 |
10.00 |
10.00 |
10.00 |
19.00 |
- |
14.00 |
15 |
1994-95 |
9.40 |
11.00 |
11.00 |
11.00 |
15.00 |
- |
15.00 |
Free |
1995-96 |
17.73 |
12.00 |
13.00 |
13.00 |
16.50 |
- |
16.50 |
Free |
1996-97 |
7.84 |
11.00-12.00 |
12.00-13.00 |
12.50-13.00 |
14.50 |
- |
14.50-15.00 |
Free |
1997-98 |
8.69 |
10.50-11.00 |
11.50-12.00 |
11.50-12.00 |
14.00 |
- |
14.00 |
Free |
1998-99 |
7.83 |
9.00-11.00 |
10.50-11.50 |
10.50-11.50 |
12.00-14.00 |
- |
12.00-13.00 |
Free |
1999-00 |
8.87 |
8.50-9.50 |
10.00-10.50 |
10.00-10.50 |
12.00 |
- |
12.00-12.50 |
Free |
2000-01 |
9.15 |
8.50-9.50 |
9.50-10.00 |
9.50-10.00 |
11.50 |
- |
11.00-12.00 |
Free |
2001-02 |
7.16 |
7.50-8.50 |
8.00-8.50 |
8.00-8.50 |
11.50 |
- |
11.00-12.00 |
Free |
2002-03 |
5.89 |
4.25-6.00 |
5.50-6.25 |
5.50-6.25 |
10.75 |
- |
10.75-11.50 |
Free |
2003-04 |
4.62 |
4.00-5.25 |
5.25-5.50 |
5.25-5.50 |
10.25 |
- |
10.25-11.00 |
Free |
2004-05 |
4.65 |
5.25-5.50 |
5.75-6.25 |
5.75-6.25 |
10.25 |
- |
10.25-10.75 |
Free |
2005-06 |
5.60 |
6.00-6.50 |
6.25-7.00 |
6.25-7.00 |
10.25 |
- |
10.25-10.75 |
Free |
2006-07 |
7.22 |
7.50-9.00 |
7.75-9.00 |
7.75-9.00 |
12.25 |
- |
12.25-12.50 |
Free |
2007-08 |
6.07 |
8.25-8.75 |
7.50-9.00 |
7.50-9.00 |
12.25 |
- |
12.25-12.75 |
Free |
2008-09 |
7.06 |
8.00-8.75 |
7.75-8.50 |
7.75-8.50 |
12.25 |
- |
11.50-12.50 |
Free |
2009-10 |
3.24 |
6.00-7.00 |
6.50-7.50 |
6.50-7.50 |
11.75 |
- |
11.00-12.00 |
Free |
2010-11 |
4.51 |
6.75-7.25 |
7.00-7.25 |
7.00-7.75 |
7.50 |
- |
7.50-8.00 |
Free |
(Continued) |
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TABLE 74 : STRUCTURE OF INTEREST RATES (Concld.) |
||||||||||
(Per cent per annum) |
||||||||||
Year |
Prime Lending Rates of Term Lending Institutions |
Units of UTI (July-June) |
Annual (Gross) Redemption Yield of Government of India Securities |
|||||||
IDBI |
IFCI |
ICICI |
IIBI/ IRBI |
SFCs |
Divid- end Rate |
Yield Rate |
Short-Term |
Medium-Term |
Long-Term |
|
(1-5yrs.) |
(5-15yrs.) |
(15yrs. & Above) |
||||||||
1 |
10 |
11 |
12 |
13 |
14 |
15 |
16 |
17 |
18 |
19 |
1975-76 |
11.00 |
12.00 |
11.00 |
8.50 |
8.00-14.50 |
8.75 |
8.33 |
5.20-6.04 |
5.47-6.02 |
6.08-6.48 |
1976-77 |
11.00 |
11.00 |
11.00 |
8.50 |
8.00-15.50 |
9.00 |
8.51 |
5.18-5.59 |
5.43-5.97 |
6.02-6.47 |
1977-78 |
11.00 |
11.00 |
11.00 |
8.50 |
8.00-15.50 |
9.00 |
7.96 |
5.06-5.59 |
5.42-5.98 |
6.03-6.46 |
1978-79 |
11.00 |
11.00 |
11.00 |
8.50 |
8.00-15.50 |
9.00 |
7.67 |
5.12-5.48 |
5.47-6.25 |
6.12-6.73 |
1979-80 |
11.00 |
11.00 |
11.00 |
8.50 |
8.00-15.50 |
10.00 |
8.56 |
4.70-5.74 |
5.70-6.30 |
6.20-6.98 |
1980-81 |
14.00 |
14.00 |
14.00 |
9.15 |
12.00-16.00 |
11.50 |
9.62 |
4.74-6.01 |
5.80-6.75 |
6.44-7.49 |
1981-82 |
14.00 |
14.00 |
14.00 |
9.15 |
11.25-14.00 |
12.50 |
10.29 |
5.32-6.43 |
5.81-7.02 |
6.45-8.00 |
1982-83 |
14.00 |
14.00 |
14.00 |
12.50 |
12.50-17.00 |
13.50 |
10.65 |
4.98-8.46 |
6.25-7.77 |
6.46-9.00 |
1983-84 |
14.00 |
14.00 |
14.00 |
12.50 |
14.00-18.00 |
14.00 |
10.49 |
4.50-7.08 |
6.67-9.04 |
6.47-10.00 |
1984-85 |
14.00 |
14.00 |
14.00 |
12.50 |
14.00-20.00 |
14.25 |
10.44 |
4.20-8.31 |
6.47-9.04 |
7.93-10.50 |
1985-86 |
14.00 |
14.00 |
14.00 |
12.50 |
11.50-16.50 |
15.25 |
11.75 |
5.42-9.84 |
6.49-9.50 |
8.38-11.50 |
1986-87 |
14.00 |
14.00 |
14.00 |
12.50 |
11.50-16.50 |
16.00 |
12.27 |
5.09-11.60 |
6.50-10.86 |
8.88-11.50 |
1987-88 |
14.00 |
14.00 |
14.00 |
14.00 |
11.50-16.50 |
16.50 |
12.56 |
6.86-15.78 |
6.51-11.73 |
9.17-11.50 |
1988-89 |
14.00 |
14.00 |
14.00 |
14.00 |
11.50-16.50 |
18.00 |
13.58 |
7.03-23.88 |
6.76-13.77 |
9.36-11.73 |
1989-90 |
14.00 |
14.00 |
14.00 |
14.00 |
11.50-16.50 |
18.00 |
13.35 |
7.56-18.36 |
7.69-15.06 |
10.05-11.80 |
1990-91 |
14.00-15.00 |
14.00-15.00 |
14.00-15.00 |
14.00-15.00 |
9.00-20.00 |
19.50 |
14.03 |
7.04-21.70 |
9.44-12.70 |
10.86-12.04 |
1991-92 |
18.00-20.00 |
18.00-20.00 |
18.00-20.00 |
18.00-20.00 |
9.00-20.00 |
25.00 |
16.40 |
8.37-26.26 |
9.50-13.42 |
9.91-12.38 |
1992-93 |
17.00-19.00 |
17.00-19.00 |
17.00-19.00 |
18.50-21.00 |
(11.50-20.00) |
26.00 |
19.06 |
9.08-23.77 |
9.50-14.78 |
8.82-12.47 |
1993-94 |
14.50-17.50 |
14.50-17.50 |
14.50-17.50 |
14.50-17.50 |
(11.50-20.00) |
26.00 |
17.68 |
11.86-12.86 |
12.70-13.30 |
12.85-13.43 |
1994-95 |
15.00 |
14.50-18.50 |
14.00-17.50 |
14.50-17.50 |
(12.00-13.50) |
26.00 |
16.33 |
9.75-11.76 |
11.30-13.86 |
11.77-13.47 |
1995-96 |
16.00-19.00 |
16.00-20.00 |
14.00 |
15.50-18.50 |
(12.00-13.50) |
20.00 |
12.66 |
6.00-14.28 |
5.75-14.07 |
11.84-13.02 |
1996-97 |
16.20 |
15.00-19.50 |
16.50 |
17 |
(12.00-27.50) |
20.00 |
13.95 |
5.21-16.21 |
5.75-14.44 |
9.00-14.20 |
1997-98 |
13.30 |
14.50-18.00 |
14.00-14.50 |
12.50-13.50 |
(12.00-18.00) |
20.00 |
13.85 |
5.50-17.69 |
5.20-14.00 |
9.00-13.17 |
1998-99 |
13.50 |
13.50-17.00 |
13.00 |
- |
12.00-18.50 |
13.50 |
9.46 |
4.45-17.73 |
5.75-13.74 |
10.00-13.46 |
1999-00 |
13.60-17.10 |
13.50-17.00 |
12.50 |
14 |
12.00-18.00 |
13.75 |
10.19 |
3.18-14.30 |
6.50-13.84 |
9.79-13.11 |
2000-01 |
14.00 |
13.00 |
12.50 |
13.25 |
9.75-17.00 |
10.00 |
7.32 |
4.94-16.66 |
9.37-12.50 |
10.58-11.89 |
2001-02 |
11.50 |
12.50 |
12.50 |
11.5 |
9.50-16.75 |
- |
- |
5.32-10.96 |
5.14-13.85 |
7.41-10.86 |
2002-03 |
10.20 |
12.50 |
- |
11 |
9.50-14.50 |
- |
- |
5.12-10.98 |
5.60-9.27 |
6.10-8.76 |
2003-04 |
8.90 |
12.50 |
- |
8.5 |
9.50-14.51 |
- |
- |
3.93-7.16 |
4.41-6.78 |
5.44-7.72 |
2004-05 |
- |
12.50 |
- |
8.5 |
9.50-14.51 |
- |
- |
4.32-8.14 |
4.71-7.73 |
5.43-7.83 |
2005-06 |
- |
12.50 |
- |
8.5 |
9.50-13.00 |
- |
- |
2.84-8.57 |
6.49-7.92 |
7.08-7.85 |
2006-07 |
- |
- |
- |
- |
9.50-14.50 |
- |
- |
6.23-11.37 |
6.61-8.67 |
7.47-10.00 |
2007-08 |
- |
- |
- |
- |
9.50-15.00 |
- |
- |
6.95-9.93 |
6.87-10.55 |
6.17-8.88 |
2008-09 |
- |
- |
- |
- |
- |
- |
- |
4.61-11.09 |
5.50-10.69 |
6.27-8.26 |
2009-10 |
- |
- |
- |
- |
- |
- |
- |
3.25 -8.28 |
6.00 -9.23 |
7.25 -8.54 |
2010-11 |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Note: 1. For the year 1995-96, interest rate on deposits of maturity above 3 years, and from 1996-97 onwards, interest rates on deposit for all the maturities refer to the deposit rates of 5 major public sector banks as at end-March. |
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