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Bihar Gramin Bank Details of Fixed Deposit @6.80%, Home Loan @10.75%, Car Loan @10.75% Two Wheeler Loan @12.50%, Education Loan @12.75%
By Anupama Deshpande | October 21, 2017

If you are looking for a Gramin Bank in Bihar which provides you all the banking as well as financial facilities then Bihar Gramin Bank can be one of the best gramin banks. Sponsored by Uco Bank, it provides transparent, efficient and affordable banking and financial services at the door steps of its customers, even in the remotest and unbanked areas of Bihar through its branches spread across 9 districts of Bihar.



Bihar Gramin Bank offers all the banking products and services to its customers such as Deposits, Loans, NRI Services, Kisan Credit Cards, Debit Cards, Lockers, ATM facility, Online Banking, and many more. You will find below segment-wise details of Bihar Gramin Bank.

Bihar Gramin Bank Savings Bank Account Interest Rate

The rate of interest of Bihar Gramin Bank Savings Bank Account is 4% p.a. calculated on daily basis. Some additional benefits will be given to savings account holders like Debit Card facility, bank account statement, passbook, cheque book, facility of standing instructions, online banking, RTGS/ NEFT, etc.

Bihar Gramin Bank Term Deposit/ Fixed Deposit (FD) Interest Rate as on Oct, 2017

Tenure: from 14 days to 10 years

Given below is the table for Term Deposit/ Fixed Deposit (FD) interest rate by the Bihar Gramin Bank as on Oct, 2017:


TenureInterest Rate p.a. (%)
14 days4.5
15 days to 29 days5
30 days to 45 days5
46 days to 60 days6
61 days to 90 days6
91 days to 180 days6.50
181 days to 269 days6.90
270 days to 364 days6.90
1 year7
Above 1 year but less than 2 years6.90
2 years to 3 years6.90
Above 3 years to less than 5 years6.75
5 years and upto 10 years6.75

Bihar Gramin Bank Term Deposit/ Fixed Deposit (FD) Interest Rate for Senior Citizen as on Oct, 2017

Tenure: from 7 days to 10 years

Given below is the table for Term Deposit/ Fixed Deposit (FD) interest rate by the Bihar Gramin Bank for Senior Citizen as on Oct, 2017


TenureInterest Rate p.a. (%)
14 days4.75
15 days to 29 days5.25
30 days to 45 days5.25
46 days to 60 days6.25
61 days to 90 days6.25
91 days to 180 days6.75
181 days to 269 days7.15
270 days to 364 days7.15
1 year7.25
Above 1 year but less than 2 years7.40
2 years to 3 years7.40
Above 3 years to less than 5 years7.25
5 years and upto 10 years7.25

Bihar Gramin Bank Recurring Deposit (RD) Interest Rate as on Oct, 2017

Recurring deposit is a product which is best suited for salaried and regular income groups with monthly saving of specified amount for a fixed period. Recurring deposits accounts with Bihar Gramin Bank are available for the period from 1 Year to 10 years with attractive interest rates.

Given below is the table for Recurring Deposit (RD) interest rate by the Bihar Gramin Bank


Recurring Deposit (RD)1 Year2 Years3 Years4 Years5 Years10 Years
Interest76.906.906.756.756.75

Bihar Gramin Bank Recurring Deposit (RD) Interest Rate for Senior Citizen as on Oct, 2017

Senior Citizens are offered more interest rate on RDs.

Given below is the table for Recurring Deposit (RD) interest rate by the Bihar Gramin Bank for Senior Citizen


Recurring Deposit (RD)1 Year2 Years3 Years4 Years5 Years10 Years
Interest7..257.407.407.257.257.25

Other Deposit Schemes offered by Bihar Gramin Bank

Bihar Gramin Bank Tax Saver Deposit

It is designed for claiming Tax benefits under Sec 80 C of IT Act,1961 for common public account may be opened with Min Amount:Rs.1,000 Max Amount:Rs.1.5 Lakhs. Maturuty is after 5 years. On maturity of the period payment is made with compounding of interest. The interest rate for general customer is 6.75% & for senior citizen 7.25%.

Bihar Gramin Bank BIG - BAHI (CURRENT ACCOUNT)

Current account is useful for individual businessmen, Firms, Industrialists, Contractors, Institutions etc.

Bihar Gramin Bank BIG - DAINIK (DAILY DEPOSIT)

  • It is a daily deposit scheme.
  • Account holder may get the facility of nomination in this account.

Bihar Gramin Bank Loan Schemes

The bank offers following deposit products to suit different classes of customers:

Bihar Gramin Bank BIG KISHOR: This scheme is introduced for providing MUDRA Loan above Rs. 50,000 and upto 1 Lakh

Bihar Gramin Bank General Credit Card: In order to provide loans for general credit needs to our individual customers in the rural & Semi urban areas in a hassle free manner based on the assessment of cash flow of the entire household without insistence on security.

Bihar Gramin Bank BIG FARM MECHANISATION: Loan for Tractors/Harvestors and other Agriculture implement.

Bihar Gramin Bank SHG: To meet the financial need of Self Help Group.

Bihar Gramin Bank BIG- DOCTOR: Loan is provided to the doctors for equipments & nurshing home.

Bihar Gramin Bank BIG SECURITY: In order to meet the financial needs of an individual for domestic/business related purposes LLoan against Bank Deposit/ NSC/ KVP/ LIC Policy.

Bihar Gramin Bank BIG SHISHU: To provide MUDRA Loan upto Rs. 50,000.

Bihar Gramin Bank BIG VYAPAR: To provide Loan for Traders.

Bihar Gramin Bank BIG TRANSPORT: To provide Loan for Transport.

Bihar Gramin Bank BIG CONSUMER: To provide loan to purchase consumer durable item for personnel use.

Bihar Gramin Bank BIG CASH: To provide Cash loan for salaried class.

Bihar Gramin Bank Home Loan Scheme

To provide financial support for construction of the house or to purchase a ready built house, loan for extension and application for repairs and renovation may also be accepted.

FIXED INTEREST RATETENURELOAN AMOUNT
10.20%Repayment period will be decided by the bank on case to case basisQuantam of loan will depend upon the repaying capacity of the borrower

Here full details of Home Loan are not mentioned. Please click here to see complete details of home loan by by Bihar Gramin Bank.

Please click here to get the details of 10 Best Gramin Banks for providing lowest interest rates.

Please click here to get the details of 10 Best Gramin Banks for providing lowest interest rates for education loan.

Bihar Gramin Bank Car Loan

For purchase of new vehicle i.e. car/ jeep/Multi Utility Vehicle (MUV) for personal use only. Second hand vehicle of the above categories, which is not more than three years old, may also be purchased under this scheme. The details are as follows:

INTEREST RATELOAN TENURELOAN AMOUNT
10.45%5 to 7 yearsWill be decided by the bank

You may be interest in calculating EMI on the loan amount. For it, just CLICK HERE

Bihar Gramin Bank Two Wheeler Loan

To provide term loan for purchasing two wheeler. All creditworthy customers having sufficient income to repay the loan instalments. The details are as follows:

INTEREST RATELOAN TENURELOAN AMOUNT
10.45%Upto 5 yearsWill be decided by the bank

Bihar Gramin Bank Kisan Credit Card

To extend credit support to meet the urgent need of Kisans. Interest rate is 7% upto 3 lakhs.

Bihar Gramin Bank BIG SOLAR

To extend credit support to meet the needs of Solar Home Lighting. Interest rate is 11.75% to 12.25%.

Other banking services offered by Bihar Gramin Bank

  1. All branches provide Core Banking facility (CBS)
  2. Lockers facility available.
  3. Demand Drafts and Cheques Purchase facility
  4. Collection of Outstation Cheques
  5. Collection of Outstation Bills
  6. Standing Instruction
  7. Issue of Bank Guarantees
  8. Issue of Solvency Certificate
  9. SMS Alert, TDS Certificate, Interest Certificate and Balance Certificate
  10. NEFT & RTGS facility

Bihar Gramin Bank Contact Details

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About Anupama Deshpande
Anupama is a Co-Founder of CodeForBanks.com. She is an MBA (Finance) and Chartered Financial Analyst (CFA). She also carries a Fellowship degree in Life Insurance Sector and is a Master of Computer Application (MCA). She is an expert in Finance Field with an experience of over 18 years on different managerial positions in finance industry including Stock Market, Depository and Mutual Fund Sectors. Apart from that she has remained for few years in the field of marketing as well. Her suggestions and advice for investments have been very useful to many people.
Her vast interest & expertise in the field of finance have encouraged her to write the articles so that others can also get benefitted out of them. She never loses any opportunity to learn and be creative. She is a valuable asset for CodeForBanks.com & important resource to all those around her.
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