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

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 present interest rates on Domestic Term Deposits are effective w.e.f  March 1 , 2024.

Period General, Institutional, Co-op Credit Society, NRO Resident Senior Citizen
7 days to 45 days 4.00%* 4.00%*
46 days to 182 days 7.50%* 7.75%*
183 days to 12 months 6.00%* 7.75%*
Above 12 months to less than 15 months 7.05% 7.75%*
15 months 7.55% 8.05%*
Above 15 months to 18 months 7.05% 7.75%*
Above 18 months to 24 months 7.25% 7.75%*
Above 24 months to 36 months 7.30% 7.55%*
Above 36 months to 10 years 7.35% 7.60%*

Cosmo TAX Saver Deposit Scheme

General  Senior Citizen
7.35%* 7.60%*

Flexi Fixed Deposit Scheme 

Savings Deposit
Current Deposit
3.25 %* 2.00%*

 


Particulars Interest Rate
Savings Deposit
Balance upto Rs 25 Lacs 2.75%*
Balance above Rs 25 Lacs 3.50%*

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 08.05.2023.
Upto Rs. 20 Lakh
Up to 3 years
More than 3 years to 5 years
7.65%*
8.00%*
Above Rs. 20 Lakh 
Up to 3 years
More than 3 years to 5 years

8.25%*
8.50%*
Loan against assignable and tax free bonds
Loan against NSC / LIC Overdraft 9.00%*
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
For Female Students 8.00% CIBIL Above 750
8.25% CIBIL Below 750
For Male Students 8.40% CIBIL Above 750
8.50% CIBIL Below 750
Property Mortgage New Scheme ROI are effective from 08.05.2023 If Priority sector advance-Interest Rate-@ 9.50% p.a.
If Non-Priority advance-Interest Rate-@ 9.75% p.a.
Limit to sanction TL & OD 50%:50% Form.
For Property Mortgage Term Loan Limit of Rs 5cr
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 01.02.2024. Housing loan Takeover rate of interest for new loan ROI are effective from 01.09.2023
Upto Rs 35.00 Lakh Floating ROI:-
ROI (p.a.) CIBIL Score
7.70% Above 800
8.05% Above 750 to 800
8.40% Above 700-750
8.95% Below 700
Above Rs 35.00 Lakh to Rs 70.00 Lakh Floating ROI:-
ROI (p.a.) CIBIL Score
8.10% Above 800
8.45% Above 750 to 800
8.80% Above 700-750
9.20% Below 700
Above Rs 70.00 Lakh to Rs 140.00 Lakh Floating ROI:-
ROI (p.a.) CIBIL Score
8.60% Above 800
8.85% Above 750 to 800
9.10% Above 700-750
9.60% Below 700
Housing Loan Take Over


upto Rs 35.00 Lakh
8.00% CIBIL Above 800
8.40% CIBIL Below 800
Above Rs35.00 Lakh to Rs 140.00 Lakh 8.35% CIBIL Above 800
8.75% CIBIL Below 800
Cosmo Home Top-up. Upto Rs 10.00 Lakh 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
8.75%*
Cosmo Solar scheme 9.00%*
Cosmos Small business loan scheme @8.75% p.a. with “A” Rating
@ 9.00% with ‘B” Rating
@9.25% -“C” Rating/Green Field/No Credit 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.

1. We hereby inform to all our esteemed depositors/account holders that the interest rates applicable w.e.f  November 17, 2023.-

Period Rate of Interest
Only 1 year 6.00*
Above 12 months to 18 months 7.05%*
Above 18 months to 24 months 7.25%*
Above 24 months  to 36 months 7.30%*
Above 36 months  to 10 Years 7.35%*

2. Card rates for 60 month's Tax Exemption Deposit Scheme w.e.f. 17.11.2023

60 months Tax Exemption Scheme Rate Of Interest
NRI's under NRO category 7.35%* p.a

3. Applicable Rates for Cosmo FCNR (B) and Cosmo FCNR(B) Royale Deposits with effect from 01.11.2023 to 30.11.2023 are as follows :

1. We hereby inform to all our esteemed depositors/account holders that the interest rates applicable w.e.f  October 16, 2023.

Period Rate of Interest
Only 1 year 6.00*
Above 12 months to less than 18 months 7.05%*
18 months (Cosmos Se Samruddhi) 7.50%*
Above 18 months to less than 21 months 7.25%*
21 months (Cosmos Se Samruddhi) 7.60%*
Above 21 months  to 24 months 7.25%*
Above 24 months  to less than 25 months 7.30%*
25 months (Cosmos Se Samruddhi) 7.75%*
Above 25 months  to 36 months 7.30%*
Above 36 months  to 10 Years 7.35%*

2. Card rates for 60 month's Tax Exemption Deposit Scheme w.e.f. 01.10.2023

60 months Tax Exemption Scheme Rate Of Interest
NRI's under NRO category 7.35%* p.a

3. Applicable Rates for Cosmo FCNR (B) and Cosmo FCNR(B) Royale Deposits with effect from 01.03.2024 to 31.03.2024 are as follows :

Period USD GBP EURO JPY

Applicable Applicable Applicable Applicable
1 year to less than 2 years 5.80 4.25 1.75 0.98
2 years to less than 3 years 4.55 4.25 1.75 0.98
3 years to less than 4 years 4.05 4.18 1.60 1.38
4 years up to less than 5 years 4.05 4.18 1.30 1.74
5 years 4.05 4.18 1.05 2.03

4. Applicable Rates for Cosmo FCNR (B) Premium and Cosmo FCNR (B) Double Bonanza Scheme with effect For Month of March 2024 are as follows:

Period USD GBP EURO JPY

Applicable Applicable Applicable Applicable
1 year  1 day 5.81 4.26 1.76 0.99

5. Revised rate for NRE & NRO Saving Deposit Account w.e.f. 01 .10.2023


 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%*  

6. Considering the SOFR as on 29th February 2024 for USD & EURSTR for EUR as on   29th February 2024 the Interest Rates on RFC Deposits applicable for the month of March 2024 are mentioned below.

Period Interest Rates Applicable for RFC USD Deposit Interest Rates Applicable for RFC Euro  Deposit
1 month  to less than 3 months 5.32
3.91
3 months to less than 6 months 5.36 3.92
6 months to less than 1 year 5.39 3.91
1 year  to less  than 2 years 6.31 4.91
2 year  to less  than 3 years 6.31 4.91
3 years 6.31 4.91

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

EURO JPY
Applicable Applicable Applicable Applicable 1 year to less than 2 years 5.80 4.25 1.75 0.98 2 years to less than 3 years 4.55 4.25 1.75 0.98 3 years to less than 4 years 4.05 4.18 1.60 1.38 4 years up to less than 5 years 4.05 4.18 1.30 1.74 5 years 4.05 4.18 1.05 2.03

4. Applicable Rates for Cosmo FCNR (B) Premium and Cosmo FCNR (B) Double Bonanza Scheme with effect For Month of November 2023 are as follows:

Period USD GBP EURO JPY

Applicable Applicable Applicable Applicable
1 year  1 day 5.51 4.26 1.76 1.00

5. Revised rate for NRE & NRO Saving Deposit Account w.e.f. 17 .11.2023


 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%*  

6. Considering the SOFR as on 30th November 2023 for USD & EURSTR for EUR as on   30th November 2023 the Interest Rates on RFC Deposits applicable for the month of December 2023 are mentioned below.

Period Interest Rates Applicable for RFC USD Deposit Interest Rates Applicable for RFC Euro  Deposit
1 month  to less than 3 months 5.34
3.90
3 months to less than 6 months 5.37 3.91
6 months to less than 1 year 5.33 3.84
1 year  to less  than 2 years 6.32 4.90
1 year  to less  than 2 years 6.32 4.90
1 year  to less  than 2 years 6.32 4.90

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