New Delhi: State-owned Allahabad Bank today said it expects a growth rate of 25 percent in loan disbursals and a Net Interest Margin (NIM) of over 3 percent during the current fiscal. "We are expecting an average credit and deposit growth of 25 per cent during the year," Allahabad Bank Chairman and Managing Director J P Dua told reporters here. During 2010-11, the bank's credit growth was in excess of 30 per cent, he said. "We are also looking at the net interest margin of above 3 per cent (for 2011-12) and we have been able to achieve this in the first 9 months of 2010-11," he said. The bank's NIM stood at 3.34 percent at the end of December, 2010, he said on the sidelines of an event to commemorate 147th foundation day of the bank. During the occasion the bank opened 100 ATMs and launched mobile banking service. Asked about capital raising plan, Dua said recently the bank got fund infusion of 670 crore from the government. With the infusion, the government's stake in the Kolkata- based bank increased to 58 per cent from earlier level of 55.2 per cent. On interest rates, he said the bank would review rates after the annual credit policy of the Reserve Bank which is due on May 3.