Loans

Loans

Access funds to fuel your aspirations with our flexible and hassle-free loan solutions.

01

Gold loan

If prioritizing loans based on the speed of acquisition is necessary, loans against jewelry—commonly referred to as gold loans—would top the list. We can provide these loans within one working day, provided you have valid identity and residence proofs, sometimes even within an hour or two.

Typically, jewelry holds personal and sometimes emotional value that can far exceed its market value. Should you find yourself unable to repay the loan, the lender is entitled to sell your jewelry to recoup its funds, after which regaining possession of your jewelry is impossible.

DETAILS
MAXIMUM AMOUNT Rs. 25 Lakhs
ELIGIBILITY A, C & D Class Membership
REPAYMENT 1/3/6/12 Months
SURETIES NIL
SERVICE CHARGES NIL
OTHER CHARGES Notice Charges, Insurance Charge
Interest Rates ROI Period
Gold Loan (12M) 10 % 12 Months
Gold Loan (6M) 9.5 % 6 Months
Gold Loan (3M) 9.0 % 3 Months
Gold Loan (1Mo) 8.5 % 1 Month
AGL 7.0 % 12 Months

02

Mortgage Loan

This scheme offers a loan or overdraft facility secured by property mortgage at competitive interest rates. It caters to individuals engaged in trade, commerce, and business, including professionals, self-employed individuals, proprietary firms, partnership firms, companies, NRIs, individuals of high net worth, salaried employees, agriculturists, and bank staff members.

The program allows customers the convenience of borrowing against a fixed asset (property mortgage) on short notice, minimizing paperwork and related complications.

Funds obtained through this loan can be utilized for any legal purpose. It is imperative that the property used as collateral is registered in the name of the applicant, co-applicant, or a family member.

DETAILS
MAXIMUM AMOUNT Rs. 50 Lakhs
ELIGIBILITY A Class or D Class Membership
REPAYMENT 12/36/120 Months
SURETIES NIL
SERVICE CHARGES NIL
OTHER CHARGES Notice Charges, Insurance Charge & Risk fund
Loans ROI Period
NALT 12.0 % 120 M
Housing Loan 10.5 % 120 M
House repair loan 10.5 % 120 M
KCC 7.0 % 12 M
KCC (A) 10.5 % 36 M
CCL 11.75 % 12 M
Cash Certificate Interest
12 M Yield General: 9.3 % and Sr. Citizen: 9.8 %

03

Group Loan

The loan amount may be utilized for any legal purpose but must not be used for activities prohibited by law. The property must be registered in the name of the applicant, co-applicant, or a family member.

DETAILS
MAXIMUM AMOUNT Rs.10 LAKHS TO INDIVIDUALS
ELIGIBILITY SELF HELP GROUP MEMBERSHIP
REPAYMENT UPTO 36 MONTHS
INTEREST RATE 9.0 %
SURETIES NIL
SERVICE CHARGES NIL
OTHER CHARGES Notice Charges, Insurance Charge

04

Personal Loan

Personal loans can be complex; it's often difficult to discern whether they are a necessity or merely a luxury that will impact your finances for years to come. Whether it's for a new computer, settling credit card debt, or refurbishing your home, the reasons for needing a personal loan seem endless.

Compare personal loan options from multiple lenders nationwide, examining everything from interest rates to loan features, including repayment terms and applicable fees.

DETAILS
MAXIMUM AMOUNT Rs. 50,000
ELIGIBILITY A and D class membership
REPAYMENT UPTO 36 MONTHS
SURETIES NIL
SERVICE CHARGES NIL
OTHER CHARGES Notice Charges, Insurance Charge & Risk fund
Loans ROI Period
NALT 12.0% 12 M
NAMT 12.0% 36 M
HIRE PURCHASE LOAN 12.0% 18 M
KUDUMBASREE LOAN 9.0% 36 M
TWO WHEELER LOAN 11.0% 30 M
BUSINESS LOAN 12.0% 36 M
GD LOAN 12.0% 60 M
MAHILA LOAN 11.0% 36 M
HOUSING LOAN 10.5% 120 M
HOUSE REPAIR LOAN 10.5% 120 M