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Date : Sep 16, 2013
Table 74 : Structure of Interest Rates

(Per cent per annum)

Year (as at end March)

Call/ Notice Money Rates

Deposit Rates*

Lending Rates*

Savings#

Term Deposits

1-3 yrs

3-5 yrs

Above 5 yrs

1

2

3

4

5

6

7

2000-01

9.15

4.00

8.50-9.50

9.50-10.00

8.50-10.00

11.00-12.00

2001-02

7.16

4.00

7.50-8.50

8.00-8.50

8.00-8.50

11.00-12.00

2002-03

5.89

3.50

4.25-6.00

5.50-6.25

5.50-6.25

10.75-11.50

2003-04

4.62

3.50

4.00-5.25

5.25-5.50

5.25-5.50

10.25-11.00

2004-05

4.65

3.50

5.25-5.75

5.75-6.25

6.25

10.25-11.00

2005-06

5.60

3.50

6.00-6.75

6.25-7.00

6.50-7.00

10.25-12.75

2006-07

7.22

3.50

6.75-8.50

7.75-9.50

7.75-8.50

12.25-14.75

2007-08

6.07

3.50

8.00-8.75

8.00-8.75

8.50-9.00

12.25-15.75

2008-09

7.06

3.50

8.00-8.75

8.00-8.50

7.75-8.50

11.50-16.75

2009-10

3.24

3.50

6.00-7.00

6.50-7.50

7.00-7.75

11.00-15.75

2010-11

5.75

3.50

8.25-9.00

8.25-8.75

8.50-8.75

8.25-9.50

2011-12

8.12

4.00

9.25

9.00-9.25

8.50-9.25

10.00-10.75

2012-13

4.00

4.00

8.75-9.00

8.75-9.00

8.50-9.00

9.70-10.25

2013-14 @

4.00

4.00

8.75-9.00

8.75-9.00

8.50-9.00

9.70-10.25

* : Data on deposit and lending rates relate to five major Public Sector Banks up to 2003-04. For the
remaining years, the data relate to five major banks.
# : Savings deposit rate from 2011-12 onwards relates to balance up to 1 lakh. Savings deposit rate was
deregulated with effect from October 25, 2011.
@ : As on August 14, 2013.
Note : 1. Data on lending rates relate to either Prime Lending Rate (PLR) or Benchmark Prime Lending
Rate (BPLR) or Base Rate, as the case may be for the relevant year.
2. BPLR system effective November 2003 was replaced by the Base Rate System effective from July 1, 2010.
Also see Notes on Tables.
Source: Respective financial institutions and Reserve Bank of India.


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