Internet Banking

At Cosmos Bank, we are committed to helping you meet all your banking needs to the best of our ability. You can access internet banking portal of our website at any hour of the day. There are no fixed timings to use the facilities. Moreover, enjoy the luxury of getting all the work accomplished at the comfort of your home or office, at any hour that is preferable for you

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Plot No-6, S.No-132/B, ICS Colony, Ganeshkhind Road, Pune
+91-20-67086708

Call Toll Free

1800 233 0234

customercare@cosmosbank.in

Weekdays 10 AM to 6 PM

Sunday : Closed

Quick Loans
Net banking

Interest Rates On Saving Deposit Scheme Interest Rate
Balance up to Rs.25.00 Lakhs 2.75%* ( w.e.f. 18.12.2020)  
Balance above Rs.25.00 Lakhs 3.50%*( w.e.f 14.03.2022 )  
Non Resident Interest Rate  
Interest Rate on NRE & NRO Saving Accounts where Balance held is upto Rs. 25 Lakhs 2.75%*  
Interest Rate on NRE & NRO Saving Accounts where Balance held is above Rs. 25 Lakhs 3.50%*  

We hereby inform to all our esteemed depositors / account holders that the interest rates on Domestic Term Deposits along with the new scheme w.e.f 01.04.2025 are as follows :

Period General, Institutional, NRO, Co-op Credit Society, UCB Resident Senior Citizen
7 days to 14 days 3.25% 3.25%
15 days to 45 days 3.50% 3.50%
46 days to 60 days 3.75% 3.75%
61 days to 90 days 4.25% 4.25%
91 days to 181 days 6.00% 6.25%
182 days to less than 9 months 6.00% 6.50%
9 months to less than 13 months 7.25% 7.65%
13 months 7.60% 8.00%
Above 13 months to 24 months 7.35% 7.75%
Above 24 months to 36 months 7.05% 7.55%
Above 36 months to 10 years 7.05% 7.60%


Interest rates on other schemes are as follows :

Cosmo TAX Saver Deposit Scheme

General* Senior Citizen
7.05% 7.60%

Cosmo Non-callable Deposit Scheme (Only for bulk deposit) (13 Months)

General* Senior Citizen
7.75% 8.00%

All other terms & conditions of Non callable Deposit scheme will remain unchanged.


Flexi Fixed Deposit Scheme 

Savings Deposit
 		Current Deposit
3.25 % 2.00%

Interest rates on Domestic Savings Deposits will remain unchanged as follows


Particulars Interest Rate
SAVINGS DEPOSIT
Balance upto Rs 25 Lacs 2.75%
Balance above Rs 25 Lacs 3.50%

*General Category includes General, Institutional, NRO, Co-op Credit Society, UCBs

Amount / Type of Loan Revised ROI % p.a.
All types of Commercial Term Loans and fund based working capital limits

8.45%* and above for Priority & 8.70%* and above for Non Priority(Depending on Credit Rating and size of exposure)
Special Rate of Interest for Pharmaceutical activity and Agriculture and allied agriculture activity
Additional discount for borrowers having External High Rating
For Other Advances
Vehicle Loan for 2 wheeler w.e.f. 01/06/2020 for new loan (Up to 60 months)
 10.50%*
Vehicle Loan for 4 wheeler
New Car Loan: ROI are effective from 24.05.2024.
Upto Rs. 20 Lakh
Up to 3 years
More than 3 years to 5 years		 7.90%*
8.25%*
Above Rs. 20 Lakh 
Up to 3 years
More than 3 years to 5 years
8.25%*
8.75%*
Loan against assignable and tax free bonds
Loan against NSC / LIC Overdraft 10.00%*
Loan against Gold ROI are effective from 01.01.2021 8.50%*
Share / Mutual Fund / Overdraft 10.50%*
Consumer loans for domestic appliances 13.00%*
Cosmo – Credit 13.00% * to 13.50%*
Cosmos Professional comfort credit (OD) ROI for W. Capital & TLs:-
@ 8.50% (Subject to CIBIL above 750)
@8.75%-(CIBIL above 725 -750)
@9.00% (CIBIL above 700-725)
Cosmos Professional comfort credit (TL) ROI for W. Capital & TLs:-
@ 8.50% (Subject to CIBIL above 750)
@8.75%-(CIBIL above 725 -750)
@9.00% (CIBIL above 700-725)
Swayamsiddha Loan Scheme for women
9.75% CIBIL Above 750
10.25% CIBIL Below 750
SHG/JLG 11.50%*/24%
Education Loan (ROI w.e.f.24.05.2024)
For Female Students 8.25% CIBIL Above 750
8.50% CIBIL Below 750
For Male Students 8.65% CIBIL Above 750
8.75% CIBIL Below 750
Property Mortgage New Scheme ROI are effective from 24.05.2024 If Priority sector advance-Interest Rate-@ 9.75% p.a.
If Non-Priority advance-Interest Rate-@ 10.00% p.a.
Limit to sanction TL & OD 50%:50% Form.
For Property Mortgage Term Loan Limit of Rs 5cr
Take-Over Property Mortgage Loan w.e.f 1.08.2024 Priority : 9.50%
Non-Priority : 9.75%
Cheque / Bills Purchase 18.00%*
Builder / Promoter Finance 13.00%* upto Rs. 25.00 crore (T&C apply)
14.00%* Above Rs. 25.00 crore (T&C apply)
Wind Mill Finance
Up to Rs. 20 Crs 13.00%*
Above Rs. 20 Crs 12.00%*
Vendor Finance (Hundi Discounting) 9.50%*
Existing ROI less 1% or 8.25% whichever is higher
Minority Community 11.00%*
Housing loan rate of interest for new loan ROI are effective from 24.05.2024. Housing loan Takeover rate of interest for new loan ROI are effective from 24.05.2024
Upto Rs 35.00 Lakh Floating ROI:-
ROI (p.a.) CIBIL Score
7.95% Above 800
8.30% Above 750 to 800
8.65% Above 700-750
9.20% Below 700 (with deviation only)
Above Rs 35.00 Lakh to Rs 70.00 Lakh Floating ROI:-
ROI (p.a.) CIBIL Score
8.35% Above 800
8.70% Above 750 to 800
9.05% Above 700-750
9.45% Below 700 (with deviation only)
Above Rs 70.00 Lakh to Rs 140.00 Lakh Floating ROI:-
ROI (p.a.) CIBIL Score
8.85% Above 800
9.10% Above 750 to 800
9.35% Above 700-750
9.85% Below 700(with deviation only)
Housing Loan Take Over w.e.f 24.05.2024

upto Rs 35.00 Lakh
8.25% CIBIL Above 800
8.65% CIBIL Below 800
Above Rs35.00 Lakh to Rs 140.00 Lakh 8.60% CIBIL Above 800
9.00% CIBIL Below 800
Cosmo Home Top-up. Metropolitan centers – Upto Rs 10.00 Lakhs - @9.00%**
Non-Metropolitan Centers- Upto Rs 6.00 Lakhs - @9.00%*
Lease Rental Discounting 8.50%* to 10.00%*
Pharma/ Medical Distributors Loan Upto Rs 10.00 Cr 8.25% with “A” Rating
8.50% with “B” Rating
8.75% Green Field/ No Credit Rating
L. C. Discounting
 7.50 % to 7.75 %*
Cosmo Solar scheme 9.00%*
COSMO SMALL BUSINESS LOAN SCHEME (FLOATING) (Up to 1.00 Cr) @9.00% p.a. with “A” Rating
@ 9.25% with ‘B” Rating
@9.50% -“C” Rating
Cosmos SME Progress Loan Floating Interest Rates:-
@8.25% p.a. with “A” Rating
@ 8.50% with ‘B” Rating
@8.75%  "C' Rating/Green Field/No Credit Rating,
Commercial vehicle loan 10.75%*
Cosmo Udyog loan scheme @8.00% p.a. with “A” Rating
@ 8.25% with ‘B” Rating
@8.75%  "C' Rating/Green Field/No Credit Rating,
Differential Interest Rates applicable to different Categories of Of Exporters on availment of Rupee Export Credits

 

 
Categories of Export Credit Rates Applicable to Interest Rates % p.a. w.e.f. 12/01/2017
1] Pre shipment Credit
A] Up to 270 days Exporters WITH Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C"		 9.00%* p.a.
9.20%* p.a.
9.45%* p.a.
B] Up to 270 days Exporters WITHOUT Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C"		 9.20% * p.a.
9.45%* p.a.
9.70%* p.a.
C] Beyond 270 days All the exporters irrespective of Credit Rating Not exceeding 2%* over & above BPLR i.e. 14.75%*p.a.
2] Post Shipment Credit
A] On Demand Bills (For transit period as per FEDAI guidelines) i.e. sight bills or CAD bills Exporters WITH Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C"		 9.00%* p.a.
9.20%* p.a.
9.45%* p.a.
B] On Demand Bills (for transit period as per FEDAI guidelines) i.e. sight bills or CAD bills Exporters WITHOUT Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C"		 9.20%* p.a.
9.45%* p.a.
9.70%* p.a.
C] Usance bills (for total period comprising of usance export bills transit period as specified by FEDAI)
I] Up to 90 days Exporters WITH Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C"		 9.00%* p.a.
9.20%* p.a.
9.45%* p.a.
II] Up to 90 days Exporters WITHOUT Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C"		 9.20%* p.a.
9.45%* p.a.
9.70%* p.a.
III] Beyond 90 days up to 6 months from shipment date Exporters WITH Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C"		 9.00%* p.a.
9.20%* p.a.
9.45%* p.a.
IV] Beyond 90 days up to 6 months from shipment date Exporters WITHOUT Loyalty Benefit
Credit Rating "A"
Credit Rating "B+ & B"
Credit Rating "C+ & C"		 9.20%* p.a.
9.45%* p.a.
9.70%* p.a.
Deferred credit for Period beyond 180 days All the exporters irrespective of Credit Rating Not exceeding 3.50%* over & above BPLR i.e. 16.25%* p.a.
3] Export credit not otherwise specified
I) Pre-shipment Credit All the exporters irrespective of Credit Rating BPLR + 4%* i.e. 16.75%* p.a.
I) Post-shipment Credit All the exporters irrespective of Credit Rating BPLR + 4%* i.e. 16.75%* p.a.

We hereby inform to all our esteemed depositors / account holders that the interest rates applicable w.e.f. 01.04.2025 for NRE Term deposit are as follows.

Period Rate of Interest
Only 1 year 7.25% p.a
Above 12 months to less than 13 months 7.25% p.a
13 months 7.60% p.a
Above 13 months to 24 months 7.35% p.a
Above 24 months to 36 months 7.05% p.a
Above 36 months to 10 years 7.05% p.a

Note: There is no separate category for NRE Deposits under senior citizens as such No additional rate of interest should be given for any NRE deposit under this category.

Other Scheme Rates:

60 months Tax Exemption Scheme Rate Of Interest
NRI's under NRO category 7.05%* p.a


2. Applicable Rates for Cosmo FCNR (B) and Cosmo FCNR(B) Royale Deposits with effect from 01.03.2025 to 31.03.2025 are as follows :

Period USD GBP EURO JPY

Applicable Applicable Applicable Applicable
1 year to less than 2 years 5.75 4.25 1.75 0.98
2 years to less than 3 years 4.60 4.25 1.75 0.98
3 years to less than 4 years 4.20 4.18 1.60 1.38
4 years up to less than 5 years 3.81 4.18 1.30 1.74
5 years 3.81 4.18 1.05 2.03

3. Benchmark & Applicable Rates for Cosmo FCNR (B) Premium and Cosmo FCNR (B) Double Bonanza Scheme with effect For Month of March 2025 are as follows:

Period USD GBP EUR JPY

Applicable Applicable Applicable Applicable
1 year  1 day 5.76 4.26 1.76 0.99

Non-callable Deposit Scheme for NRE customers  
(Only for bulk deposit)(13 Months) 7.75%  

4. Interest rates offered on Savings Deposits are follows


 Existing
Interest Rate on NRE & NRO Saving Accounts where Balance held is upto Rs. 25 lakh 2.75%*  
Interest Rate on NRE & NRO Saving Accounts where Balance held is above Rs. 25 lakh 3.50%*  

5. Considering the SOFR as on 30th Apr' 2025 for USD & EURSTR for EUR as on 29th Apr' 2025 the Interest Rates on RFC Deposits applicable for the month of May' 2025.

Period Interest Rates Applicable for RFC USD Deposit Interest Rates Applicable for RFC Euro  Deposit
1 month  to less than 3 months 4.35
 2.37
3 months to less than 6 months 4.36 2.54
6 months to less than 1 year 4.47 2.82
1 year  to less  than 2 years 5.36 3.17
2 year  to less  than 3 years 5.36 3.17
3 years 5.36 3.17

These interest rates will be applicable to new deposits as well as renewal of the deposits maturing during the said period.

6. To determine our Interest Rates on FCNR (B) deposits as per latest guidelines of RBI, furnishing herewith Applicable Rates for the month of May' 2025.

USD-

Period of Deposit Spread
1 yr to less than 2 yrs OARR rate+ 139 basis points
2 yrs to less than 3 yrs OARR rate +024 basis points
3 yrs to less than 4 yrs OARR rate - 016 basis points
4 yrs to less than 5 yrs OARR rate-055 basis points
5 yrs OARR rate - 055 basis points

Interest shall be paid within the ceiling rate of OARR for the respective currency plus 140 basis points on the Cosmo FCNR (B) Premium Deposit and Cosmo FCNR (B) Double Bonanza Deposit for the tenor 1 year & 1 day.


GBP-

Period of Deposit Spread
1 yr to less than 2 yrs OARR rate - 021 basis points
2 yrs to less than 3 yrs OARR rate-021 basis points
3 yrs to less than 4 yrs OARR rate -028 basis points
4 yrs to less than 5 yrs OARR rate -028 basis points
5 yrs OARR rate -028 basis points

Interest shall be paid within the ceiling rate of OARR for the respective currency (-) 020 basis points on the Cosmo FCNR (B) Premium Deposit and Cosmo FCNR (B) Double Bonanza Deposit for the tenor 1 year & 1 day


EUR-

Period of Deposit Spread
1 yr to less than 2 yrs OARR rate - 042 basis points
2 yrs to less than 3 yrs OARR rate -042 basis points
3 yrs to less than 4 yrs OARR rate -057 basis points
4 yrs to less than 5 yrs OARR rate -087 basis points
5 yrs OARR rate -112 basis points

Interest shall be paid within the ceiling rate of OARR for the respective currency plus (-)041 basis points on the Cosmo FCNR (B) Premium Deposit and Cosmo FCNR (B) Double Bonanza Deposit for the tenor 1 year & 1 day.


JPY-

Period of Deposit Spread
1 yr to less than 2 yrs OARR rate +50 basis points
2 yrs to less than 3 yrs OARR rate +50 basis points
3 yrs to less than 4 yrs OARR rate +90 basis points
4 yrs to less than 5 yrs OARR rate +126 basis points
5 yrs OARR rate +155 basis points

Interest shall be paid within the ceiling rate of OARR for the respective currency plus 51 basis points on the Cosmo FCNR (B) Premium Deposit and Cosmo FCNR (B) Double Bonanza Deposit for the tenor 1 year & 1 day


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