Nashik is a city in India's Maharashtra state. Nashik is in the northwest of Maharashtra, 185 km from Mumbai (Bombay) and 220 km from Pune. The "Wine Capital of India", or the "Grape City", as it is popularly known, the city is located in the Western Ghats, on the western edge of the Deccan peninsula on the banks of the Godavari River.

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The interest rates offered also vary, depending on factors like age of the consumer, total family income, tenure of the loan, other assets held and credit-worthiness, judging from past transactions.