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

LOGIN

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

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 w.e.f 01.07.2025 are as follows (ROI %* p.a) :

Period General, Institutional, Co-op Credit Society, NRO Resident Senior Citizen
7 days to 14 days 2.00% 2.00%
15 days to 30 days 3.00% 3.00%
31 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 5.50% 6.00%
182 days to less than 9 months 6.00% 6.50%
9 months to less than 13 months 6.30% 7.00%
13 months 7.00% 7.25%
Above 13 months to 24 months 7.10% 7.30%
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 (ROI % p.a) :

Cosmo TAX Saver Deposit Scheme

General* Senior Citizen
7.05% 7.60%

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

General* Senior Citizen
7.25% 7.50%

Flexi Fixed Deposit Scheme 

Savings Deposit
Current Deposit
3.00 % 3.00%

Interest rates on Domestic Savings Deposits will remain unchanged as follows (ROI % p.a) :


Particulars Interest Rate
SAVINGS DEPOSIT
Balance upto Rs. 25 Lakh 2.75%
Balance above Rs. 25 Lakh 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. 10/06/2025 for new loan (Up to 60 months)
10.50%*
Vehicle Loan for 4 wheeler
New Car Loan: ROI are effective from 10.06.2025.
Upto Rs. 30 Lakh
Upto 7 years
8.35%*
Above Rs. 30 Lakh 
Upto 7 years

8.85%*
Loan against assignable and tax free bonds
Loan against NSC / LIC Overdraft 9.50%*
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:-
@ 9.00%* p.a (Subject to CIBIL above 750)
@9.25%* p.a -(CIBIL Score 725 -750)
@9.50%* p.a (CIBIL Score 700-725)
Cosmos Professional comfort credit (TL) ROI for W. Capital & TLs:-
@ 9.00%* p.a (Subject to CIBIL above 750)
@9.25%* p.a -(CIBIL Score 725 -750)
@9.50%* p.a (CIBIL Score 700-725)
Swayamsiddha Loan Scheme for women
9.75% CIBIL Above 750
10.25% CIBIL Below 750
10.75% CIBIL Below 700
SHG/JLG 12.50%* p.a / 24.00%* p.a
Education Loan (ROI w.e.f.10.06.2025)
For Female Students 8.50%* p.a CIBIL Above 750
8.75%* p.a CIBIL Below 750
For Male Students 8.90%* p.a CIBIL Above 750
9.00%* p.a CIBIL Below 750
Education Loan Takeover (Male/ Female Student) 8.90%* p.a CIBIL Above 700
Property Mortgage New Scheme ROI are effective from 24.05.2024 Rate of Interest For Loans up to Rs.5.00 Crore -
Priority Sector: - @9.75% p.a.
Non-priority Sector:- 10.00% p.a
[Limit to sanction TL & OD 50%:50% Form]
Rate of Interest For loans above Rs.5.00 Crore -
ROI as per commercial Credit Rating
Rate of Interest For greenfield Project -
10.25% for first year, after first year, as per Commercial Credit rating.
Take-Over Property Mortgage Loan Priority : 9.50%* CIBIL score above 750/ CMR 1 to 4
Non-Priority : 9.75%* CIBIL score above 750/ CMR 1 to 4
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 05.06.2025. 
Upto Rs 35.00 Lakh Floating ROI:-
ROI (p.a.) CIBIL Score
7.95% Above 800
8.30% 750 to 800
8.65% 700 to 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% 750 to 800
9.05% 700 to 750
9.45% Below 700 (with deviation only)
Above Rs. 70.00 Lakh to Rs. 1.4 Crore Floating ROI:-
ROI (p.a.) CIBIL Score
8.85 % CIBIL score Above 800
9.10 % 750 to 800
9.35 % 700 to 750 (No Credit History or -1 CIBIL)
9.85 % Below 700 (with deviation allowed)
Above Rs. 1.4 Crore to Rs. 3.00 Crore Floating ROI:-
ROI (p.a.) CIBIL Score
8.85 % CIBIL score Above 800
9.10 % 750 to 800
9.35 % 700 to 750 (No Credit History or -1 CIBIL)
9.85 % Below 700
Housing Loan Take Over w.e.f 03.06.2025


upto Rs 35.00 Lakh
8.25% CIBIL Above 800
8.65% CIBIL Below 800
Above Rs. 35.00 Lakh to Rs. 3.00 Crore 8.60% CIBIL Above 800
9.00% CIBIL Below 800
Cosmo Home Top-up. Rate of Interest @9.00%
Centres with population of 50 lakh and above Loan Limit: ₹15 lakh
Maximum Cost of Dwelling Unit: ₹63 lakh
Centres with population between 10 lakh and 50 lakh Loan Limit: ₹12 lakh
Maximum Cost of Dwelling Unit: ₹57 lakh
Centres with population below 10 lakh Loan Limit: ₹10 lakh
Maximum Cost of Dwelling Unit: ₹44 lakh
Maximum loan including home loan and top up loan should be restricted to Rs.3.00 Crore per dwelling unit.
Lease Rental Discounting Scheme 8.50%* onwards (*T&C apply)
Pharma/ Medical Distributors 8.75%* p.a with “A” Rating
9.00%* p.a with “B” Rating
9.25%* p.a Green Field/ No Credit Rating
Above Rs.10.00 Crore to Below Rs.25.00 Crore
13.25%* + Credit Rating
From Rs.25.00 Crore and Above
13.00%* + Credit Rating
L. C. Discounting
7.50 % to 7.75 %*
Cosmo Solar scheme 9.00%*
COSMO SMALL BUSINESS LOAN SCHEME (FLOATING) (Up to Rs. 3.00 Crore) @9.25%* p.a. with “A” Rating
@ 9.50%* p.a with ‘B” Rating
@10.00%* p.a -“C” Rating
COSMO SMALL BUSINESS LOAN SCHEME (FLOATING) (Above Rs. 3.00 Crore Upto Rs. 5.00 Crore) @9.50%* p.a. with “A” Rating
@10.00%* p.a with ‘B” Rating
@10.50%* p.a -“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%* (Floating)
Cosmo Udyog loan scheme @8.50%* p.a. with “A” Rating
@ 8.75%* p.a with ‘B” Rating
@9.25%* p.a "C' 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. 06.06.2025 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 7.40% 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 01.06.2025 to 30.06.2025 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 for the month of June' 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 (ROI%* p.a) :


 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 May 2025 for USD & EURSTR FOR EUR as on 30th May 2025 the interest Rates on RFC Deposits applicable for the month of June 2025.

Period Interest Rates Applicable for RFC USD Deposit Interest Rates Applicable for RFC Euro  Deposit
1 month  to less than 3 months 4.31
2.17
3 months to less than 6 months 4.35 2.35
6 months to less than 1 year 4.41 2.64
1 year  to less  than 2 years 5.33 3.17
2 year  to less  than 3 years 5.33 3.17
3 years 5.33 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 June' 2025.

USD-

Period of Deposit Spread
1 yr to less than 2 yrs OARR rate+ 142 basis points
2 yrs to less than 3 yrs OARR rate +027 basis points
3 yrs to less than 4 yrs OARR rate - 013 basis points
4 yrs to less than 5 yrs OARR rate - 052 basis points
5 yrs OARR rate - 052 basis points

Interest shall be paid within the ceiling rate of OARR for the respective currency plus 143 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 +004 basis points
2 yrs to less than 3 yrs OARR rate +004 basis points
3 yrs to less than 4 yrs OARR rate -003 basis points
4 yrs to less than 5 yrs OARR rate -003 basis points
5 yrs OARR rate-003 basis points

Interest shall be paid within the ceiling rate of OARR for the respective currency plus 005 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.