Cartera · Fuentes verificables

Histórico de interés bancario corriente y límites de usura

Consulte la tasa de la vigencia y modalidad de su obligación. Todos los valores se expresan como porcentaje efectivo anual (EA). Un límite de usura no constituye por sí mismo la tasa pactada de un contrato.

Consumo y ordinario: cobertura mensual completa de 2024-01-01 a 2026-10-31. Snapshot sfc-2026-10-31-3d9756b0-9bc64579.

Las otras modalidades se publican cuando la fila del histórico oficial ofrece una vigencia coincidente y verificable. En consumo de bajo monto se preservan dos certificaciones anuales (octubre de 2023 a septiembre de 2024 y octubre de 2024 a septiembre de 2025), y las mensuales desde octubre de 2025. Una fila ausente no significa tasa cero.

La SFC certifica el IBC y publica límites derivados. La calculadora utiliza la modalidad consumo y ordinario; no traslada automáticamente sus topes a otras obligaciones. Si la fecha es posterior al último dato verificado, solicite revisión antes de calcular.

Calcular deuda con estas tasas

Consumo y ordinario

Tasas efectivas anuales por vigencia para Consumo y ordinario
DesdeHastaIBC EALímite EAResolución / fecha
2026-10-012026-10-3119,06%28,59%1472
2026-09-30
2026-09-012026-09-3019,49%29,24%1260
2026-08-31
2026-08-012026-08-3119,77%29,66%1139
2026-07-31
2026-07-012026-07-3119,19%28,79%0965
2026-06-30
2026-06-012026-06-3019,19%28,79%0823
2026-05-29
2026-05-012026-05-3118,78%28,17%0662
2026-04-30
2026-04-012026-04-3017,84%26,76%0517
2026-03-27
2026-03-012026-03-3117,01%25,52%0405
2026-02-27
2026-02-012026-02-2816,82%25,23%0250
2026-01-30
2026-01-012026-01-3116,24%24,36%2288
2025-12-26
2025-12-012025-12-3116,68%25,02%2134
2025-11-28
2025-11-012025-11-3016,66%24,99%1995
2025-10-31
2025-10-012025-10-3116,24%24,36%1821
2025-09-30
2025-09-012025-09-3016,67%25,01%1658
2025-08-29
2025-08-012025-08-3116,78%25,17%1490
2025-07-31
2025-07-012025-07-3116,52%24,78%1254
2025-06-27
2025-06-012025-06-3017,03%25,55%1078
2025-05-30
2025-05-012025-05-3117,31%25,97%0837
2025-04-30
2025-04-012025-04-3017,08%25,62%0579
2025-03-31
2025-03-012025-03-3116,61%24,92%0352
2025-02-28
2025-02-012025-02-2817,53%26,30%0138
2025-01-30
2025-01-012025-01-3116,59%24,89%2620
2024-12-27
2024-12-012024-12-3117,59%26,39%2394
2024-11-29
2024-11-012024-11-3018,60%27,90%2168
2024-10-31
2024-10-012024-10-3118,78%28,17%1901
2024-09-30
2024-09-012024-09-3019,23%28,85%1688
2024-08-30
2024-08-012024-08-3119,47%29,21%1519
2024-07-31
2024-07-012024-07-3119,66%29,49%1308
2024-06-28
2024-06-012024-06-3020,56%30,84%1143
2024-05-31
2024-05-012024-05-3121,02%31,53%0872
2024-04-30
2024-04-012024-04-3022,06%33,09%0598
2024-03-21
2024-03-012024-03-3122,20%33,30%0400
2024-02-29
2024-02-012024-02-2923,31%34,97%0150
2024-01-29
2024-01-012024-01-3123,32%34,98%2331
2023-12-29

Crédito popular productivo rural

Tasas efectivas anuales por vigencia para Crédito popular productivo rural
DesdeHastaIBC EALímite EAResolución / fecha
2026-10-012026-10-3143,63%65,45%1472
2026-09-30
2026-09-012026-09-3044,80%67,20%1260
2026-08-31
2026-08-012026-08-3145,70%68,55%1139
2026-07-31
2026-07-012026-07-3145,83%68,75%0965
2026-06-30
2026-06-012026-06-3048,63%72,95%0823
2026-05-29
2026-05-012026-05-3148,73%73,10%0662
2026-04-30
2026-04-012026-04-3045,87%68,81%0517
2026-03-27
2026-03-012026-03-3147,54%71,31%0405
2026-02-27
2026-02-012026-02-2846,98%70,47%0250
2026-01-30
2026-01-012026-01-3150,88%76,32%2288
2025-12-26
2025-12-012025-12-3149,58%74,37%2134
2025-11-28
2025-11-012025-11-3049,04%73,56%1995
2025-10-31
2025-10-012025-10-3149,40%74,10%1821
2025-09-30
2025-09-012025-09-3050,00%75,00%1658
2025-08-29
2025-08-012025-08-3149,55%74,33%1490
2025-07-31
2025-07-012025-07-3151,03%76,55%1254
2025-06-27
2025-06-012025-06-3050,61%75,92%1078
2025-05-30
2025-05-012025-05-3151,56%77,34%0837
2025-04-30
2025-04-012025-04-3051,97%77,96%0579
2025-03-31
2025-03-012025-03-3151,85%77,78%0352
2025-02-28
2025-02-012025-02-2851,82%77,73%0138
2025-01-30
2025-01-012025-01-3152,20%78,30%2620
2024-12-27
2024-12-012024-12-3152,30%78,45%2394
2024-11-29
2024-11-012024-11-3050,60%75,90%2168
2024-10-31
2024-10-012024-10-3150,01%75,02%1901
2024-09-30
2024-09-012024-09-3049,70%74,55%1688
2024-08-30
2024-08-012024-08-3149,97%74,96%1519
2024-07-31
2024-07-012024-07-3149,60%74,40%1308
2024-06-28
2024-06-012024-06-3049,14%73,71%1143
2024-05-31
2024-05-012024-05-3148,98%73,47%0872
2024-04-30
2024-04-012024-04-3046,47%69,71%0598
2024-03-21
2024-03-012024-03-3145,87%68,81%0400
2024-02-29
2024-02-012024-02-2943,45%65,18%0150
2024-01-29
2024-01-012024-01-3141,86%62,79%2331
2023-12-29

Crédito popular productivo urbano

Tasas efectivas anuales por vigencia para Crédito popular productivo urbano
DesdeHastaIBC EALímite EAResolución / fecha
2026-10-012026-10-3158,41%87,62%1472
2026-09-30
2026-09-012026-09-3058,75%88,13%1260
2026-08-31
2026-08-012026-08-3159,31%88,97%1139
2026-07-31
2026-07-012026-07-3158,48%87,72%0965
2026-06-30
2026-06-012026-06-3059,82%89,73%0823
2026-05-29
2026-05-012026-05-3159,26%88,89%0662
2026-04-30
2026-04-012026-04-3057,92%86,88%0517
2026-03-27
2026-03-012026-03-3158,55%87,83%0405
2026-02-27
2026-02-012026-02-2858,70%88,05%0250
2026-01-30
2026-01-012026-01-3159,83%89,75%2288
2025-12-26
2025-12-012025-12-3159,94%89,91%2134
2025-11-28
2025-11-012025-11-3059,18%88,77%1995
2025-10-31
2025-10-012025-10-3159,62%89,43%1821
2025-09-30
2025-09-012025-09-3059,84%89,76%1658
2025-08-29
2025-08-012025-08-3159,41%89,12%1490
2025-07-31
2025-07-012025-07-3159,65%89,48%1254
2025-06-27
2025-06-012025-06-3059,26%88,89%1078
2025-05-30
2025-05-012025-05-3159,36%89,04%0837
2025-04-30
2025-04-012025-04-3059,29%88,94%0579
2025-03-31
2025-03-012025-03-3159,05%88,58%0352
2025-02-28
2025-02-012025-02-2859,11%88,67%0138
2025-01-30
2025-01-012025-01-3158,86%88,29%2620
2024-12-27
2024-12-012024-12-3158,89%88,34%2394
2024-11-29
2024-11-012024-11-3058,10%87,15%2168
2024-10-31
2024-10-012024-10-3158,29%87,44%1901
2024-09-30
2024-09-012024-09-3057,84%86,76%1688
2024-08-30
2024-08-012024-08-3158,16%87,24%1519
2024-07-31
2024-07-012024-07-3157,16%85,74%1308
2024-06-28
2024-06-012024-06-3056,40%84,60%1143
2024-05-31
2024-05-012024-05-3156,05%84,08%0872
2024-04-30
2024-04-012024-04-3054,70%82,05%0598
2024-03-21
2024-03-012024-03-3151,09%76,64%0400
2024-02-29
2024-02-012024-02-2946,82%70,23%0150
2024-01-29
2024-01-012024-01-3143,11%64,67%2331
2023-12-29

Crédito productivo rural

Tasas efectivas anuales por vigencia para Crédito productivo rural
DesdeHastaIBC EALímite EAResolución / fecha
2026-10-012026-10-3120,63%30,95%1472
2026-09-30
2026-09-012026-09-3021,76%32,64%1260
2026-08-31
2026-08-012026-08-3122,37%33,56%1139
2026-07-31
2026-07-012026-07-3121,83%32,75%0965
2026-06-30
2026-06-012026-06-3022,23%33,35%0823
2026-05-29
2026-05-012026-05-3123,26%34,89%0662
2026-04-30
2026-04-012026-04-3021,78%32,67%0517
2026-03-27
2026-03-012026-03-3120,94%31,41%0405
2026-02-27
2026-02-012026-02-2819,45%29,18%0250
2026-01-30
2026-01-012026-01-3118,65%27,98%2288
2025-12-26
2025-12-012025-12-3118,62%27,93%2134
2025-11-28
2025-11-012025-11-3018,26%27,39%1995
2025-10-31
2025-10-012025-10-3117,23%25,85%1821
2025-09-30
2025-09-012025-09-3016,19%24,29%1658
2025-08-29
2025-08-012025-08-3114,17%21,26%1490
2025-07-31
2025-07-012025-07-3119,01%28,52%1254
2025-06-27
2025-06-012025-06-3019,07%28,61%1078
2025-05-30
2025-05-012025-05-3118,96%28,44%0837
2025-04-30
2025-04-012025-04-3018,87%28,31%0579
2025-03-31
2025-03-012025-03-3118,78%28,17%0352
2025-02-28
2025-02-012025-02-2818,09%27,14%0138
2025-01-30
2025-01-012025-01-3116,08%24,12%2620
2024-12-27
2024-12-012024-12-3117,66%26,49%2394
2024-11-29
2024-11-012024-11-3017,47%26,21%2168
2024-10-31
2024-10-012024-10-3116,72%25,08%1901
2024-09-30
2024-09-012024-09-3017,04%25,56%1688
2024-08-30
2024-08-012024-08-3117,98%26,97%1519
2024-07-31
2024-07-012024-07-3118,65%27,98%1308
2024-06-28
2024-06-012024-06-3018,95%28,43%1143
2024-05-31
2024-05-012024-05-3120,01%30,02%0872
2024-04-30
2024-04-012024-04-3020,54%30,81%0598
2024-03-21
2024-03-012024-03-3125,10%37,65%0400
2024-02-29
2024-02-012024-02-2929,34%44,01%0150
2024-01-29
2024-01-012024-01-3132,73%49,10%2331
2023-12-29

Crédito productivo urbano

Tasas efectivas anuales por vigencia para Crédito productivo urbano
DesdeHastaIBC EALímite EAResolución / fecha
2026-10-012026-10-3138,26%57,39%1472
2026-09-30
2026-09-012026-09-3038,61%57,92%1260
2026-08-31
2026-08-012026-08-3139,78%59,67%1139
2026-07-31
2026-07-012026-07-3138,77%58,16%0965
2026-06-30
2026-06-012026-06-3039,95%59,93%0823
2026-05-29
2026-05-012026-05-3140,57%60,86%0662
2026-04-30
2026-04-012026-04-3038,80%58,20%0517
2026-03-27
2026-03-012026-03-3138,69%58,04%0405
2026-02-27
2026-02-012026-02-2838,15%57,23%0250
2026-01-30
2026-01-012026-01-3138,49%57,74%2288
2025-12-26
2025-12-012025-12-3138,85%58,28%2134
2025-11-28
2025-11-012025-11-3038,78%58,17%1995
2025-10-31
2025-10-012025-10-3137,40%56,10%1821
2025-09-30
2025-09-012025-09-3036,20%54,30%1658
2025-08-29
2025-08-012025-08-3134,80%52,20%1490
2025-07-31
2025-07-012025-07-3138,04%57,06%1254
2025-06-27
2025-06-012025-06-3037,03%55,55%1078
2025-05-30
2025-05-012025-05-3136,85%55,28%0837
2025-04-30
2025-04-012025-04-3036,36%54,54%0579
2025-03-31
2025-03-012025-03-3135,45%53,18%0352
2025-02-28
2025-02-012025-02-2835,40%53,10%0138
2025-01-30
2025-01-012025-01-3134,59%51,89%2620
2024-12-27
2024-12-012024-12-3135,95%53,93%2394
2024-11-29
2024-11-012024-11-3035,90%53,85%2168
2024-10-31
2024-10-012024-10-3135,80%53,70%1901
2024-09-30
2024-09-012024-09-3034,63%51,95%1688
2024-08-30
2024-08-012024-08-3135,71%53,57%1519
2024-07-31
2024-07-012024-07-3135,84%53,76%1308
2024-06-28
2024-06-012024-06-3035,26%52,89%1143
2024-05-31
2024-05-012024-05-3135,72%53,58%0872
2024-04-30
2024-04-012024-04-3036,10%54,15%0598
2024-03-21
2024-03-012024-03-3136,85%55,28%0400
2024-02-29
2024-02-012024-02-2936,34%54,51%0150
2024-01-29
2024-01-012024-01-3136,11%54,17%2331
2023-12-29

Crédito productivo de mayor monto

Tasas efectivas anuales por vigencia para Crédito productivo de mayor monto
DesdeHastaIBC EALímite EAResolución / fecha
2026-10-012026-10-3127,50%41,25%1472
2026-09-30
2026-09-012026-09-3027,92%41,88%1260
2026-08-31
2026-08-012026-08-3128,00%42,00%1139
2026-07-31
2026-07-012026-07-3127,51%41,27%0965
2026-06-30
2026-06-012026-06-3027,37%41,06%0823
2026-05-29
2026-05-012026-05-3128,24%42,36%0662
2026-04-30
2026-04-012026-04-3027,73%41,60%0517
2026-03-27
2026-03-012026-03-3127,20%40,80%0405
2026-02-27
2026-02-012026-02-2827,17%40,76%0250
2026-01-30
2026-01-012026-01-3126,80%40,20%2288
2025-12-26
2025-12-012025-12-3127,32%40,98%2134
2025-11-28
2025-11-012025-11-3026,88%40,32%1995
2025-10-31
2025-10-012025-10-3127,05%40,58%1821
2025-09-30
2025-09-012025-09-3025,99%38,99%1658
2025-08-29
2025-08-012025-08-3125,15%37,73%1490
2025-07-31
2025-07-012025-07-3127,73%41,60%1254
2025-06-27
2025-06-012025-06-3027,77%41,66%1078
2025-05-30
2025-05-012025-05-3128,00%42,00%0837
2025-04-30
2025-04-012025-04-3028,09%42,14%0579
2025-03-31
2025-03-012025-03-3127,28%40,92%0352
2025-02-28
2025-02-012025-02-2827,15%40,73%0138
2025-01-30
2025-01-012025-01-3125,22%37,83%2620
2024-12-27
2024-12-012024-12-3127,21%40,82%2394
2024-11-29
2024-11-012024-11-3027,12%40,68%2168
2024-10-31
2024-10-012024-10-3126,85%40,28%1901
2024-09-30
2024-09-012024-09-3026,69%40,04%1688
2024-08-30
2024-08-012024-08-3127,19%40,79%1519
2024-07-31
2024-07-012024-07-3126,62%39,93%1308
2024-06-28
2024-06-012024-06-3026,06%39,09%1143
2024-05-31
2024-05-012024-05-3127,15%40,73%0872
2024-04-30
2024-04-012024-04-3027,35%41,03%0598
2024-03-21
2024-03-012024-03-3127,47%41,21%0400
2024-02-29
2024-02-012024-02-2927,66%41,49%0150
2024-01-29
2024-01-012024-01-3128,54%42,81%2331
2023-12-29

Consumo de bajo monto

Tasas efectivas anuales por vigencia para Consumo de bajo monto
DesdeHastaIBC EALímite EAResolución / fecha
2026-10-012026-10-3144,44%66,66%1472
2026-09-30
2026-09-012026-09-3044,58%66,87%1260
2026-08-31
2026-08-012026-08-3143,64%65,46%1139
2026-07-31
2026-07-012026-07-3141,77%62,66%0965
2026-06-30
2026-06-012026-06-3041,40%62,10%0823
2026-05-29
2026-05-012026-05-3143,46%65,19%0662
2026-04-30
2026-04-012026-04-3041,81%62,72%0517
2026-03-27
2026-03-012026-03-3142,62%63,93%0405
2026-02-27
2026-02-012026-02-2843,75%65,63%0250
2026-01-30
2026-01-012026-01-3145,90%68,85%2288
2025-12-26
2025-12-012025-12-3145,16%67,74%2134
2025-11-28
2025-11-012025-11-3044,28%66,42%1995
2025-10-31
2025-10-012025-10-3142,90%64,35%1821
2025-09-30
2024-10-012025-09-3037,50%56,25%1901
2024-09-30
2023-10-012024-09-3038,76%58,14%1520
2023-09-27

Fuentes y versión de los datos

Captura: 2026-10-15. Las filas de IBC se contrastaron con el histórico de límites antes de incorporar este snapshot. Los archivos originales se identifican por su huella SHA-256. Las futuras actualizaciones requieren revisión; no se modifica un resultado histórico en silencio.

SFC: certificaciones, comunicados y archivos históricosDescargar histórico IBC oficial (Excel)

SHA-256 IBC: 3d9756b0fcbaee6ead1a1e170be803d6973230fbfca29db6b15df59051d5170e

Descargar histórico de límites de usura oficial (Excel)

SHA-256 límites: 9bc64579269dac01a80f147472e6dbd656ae20648f673260dcc45fd179580135

La modalidad, la tasa exigible y las consecuencias de un cobro excesivo dependen del contrato y del régimen aplicable. La tabla es informativa y no certifica una liquidación individual.

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