| Who can Borrow | Individual |
|---|---|
| Purpose | For any legitimate purposes |
| Max .Finance available | 1. Upto Rs.25.00 lakh for members 2. Upto 1 lakh for nominal member 3. Bullet repayment upto to 2 lakhs. |
| Security | Pledge of Gold Ornaments |
| Margin | 75% on the market value arrived at the prevailing BENCHMARK RATE(announced by Bank from time to time) of the security to be pledged. |
| Repayment Period | Maximum 12 months |
| Bank Service Charges | 1% of the loan amount + GST |
| Appraisal Charges | As applicable |
| Documentation Charges | As applicable |
| Prerequisites | 1. Application form along with KYC documents, Income Proof of the applicant/s (SAVING / CURRENT ACCOUNT TO BE OPENED).
2. Pledge of Gold Ornaments. 3. Valuation of the ornaments of the gold pledged will be done by the Bank’s approved valuer in Bank’s premises. |
| Who Can Borrow | Depositer of the Bank |
|---|---|
| Purpose | For any Legitimate Purposes |
| Max .Finance available | 80% on Deposit Amount |
| Security | Deposit Receipt |
| Repayment | Before Maturity of the Deposit |
| Who can Borrow | Individual |
|---|---|
| Purpose | Personal needs such as Housing, Education, Medical Emergencies, Travel, Business etc |
| Max .Finance available | Rs.2.00 lakh |
| Security | As applicable |
| Repayment | 36 months |
| Bank Service Charges | 1.5 % of the loan amount plus GST |
| Documentation Charges | As applicable |
| Required Document | 1) Latest Three Months Pay Slip or Salary Certificate 2) Copy of Aadhar Card, Copy of Pan Card, Recent Gas Bill 3) Office Id 4) Bank membership ID Card 5) Photo 6) 6 months Bank Statement |
| Who can Borrow | Individuals |
|---|---|
| Purpose | Convenient scheme both for commercial and personal use. |
| Margin | 75% of invoice cost Two wheeler / Four wheeler |
| Security | As applicable |
| Repayment | Max-60 months |
| Bank Service Charges | 1.5 % + GST as applicable from time to time |
| Attractive Features | Competitive Rate on daily reducing. No Prepayment penalty and no penalty for premature closing. |
| Documentation Charges | As applicable |
| Prerequisites | 1. Individuals employed/engaged in business/having professional income and sound financials. 2. Invoice from the Authorized dealer. 3. Applicant and Surities Salary certificate/salary slip for consecutive three months. 4. KYC requirement. |
| Who can Borrow | Individuals (singly/Jointly) |
|---|---|
| Purpose | Purchase of Residential Building, Construction of House |
| Limit | Max. Limit Rs.60.00 lakh |
| Security | As applicable |
| Margin | valuation of property according government rates and Bank’s engineer valuation |
| Repayment Period | Max 180 months |
| Bank Service Charges | 1.5% + GST as applicable from time to time |
| Legal & Documentation Charges | On Actual Basis. |
| Required Document For A Khata / B Khata |
1) Allotment Letter, 2) Possession certificate, 3) Sale Deed, 4) E Khata, 5) Tax Paid Receipts, 6) Encumbrance Certificate, 7)Sanctioned Plan and Estimation for Construction Loan, 8)Income Proof, 9)Family Tree, 10) Noc from Family Members, 11) 6 Months Bank Statements, 12) Recent 3 years IT Returns. 13) Mother Deed 14) Approved Layout Plan, Conversion Order. |
| Who can Borrow | Individuals (singly/Jointly) |
|---|---|
| Purpose | Marriage Business Education Contractor/Professional and Self employed Clear debts Purchase of consumer products etc. |
| Limit | Max Loan Limit Rs 60 Lakh |
| Security | Mortgage of Property |
| Repayment Period | Repayment 180 months |
| Bank Service Charges | 1.5% of the loan amount + GST |
| Legal & Documentation Charges | On Actual Basis. |
| Required Document for A KHATA & B KHATA PROPERTY LOANS | 1) Allotment Letter, 2) Possession certificate, 3) Sale Deed, 4) E Khata, 5) Tax Paid Receipts, 6) Encumbrance Certificate, 7)Sanctioned Plan and Estimation for Construction Loan, 8)Income Proof, 9)Family Tree, 10) Noc from Family Members, 11) 6 Months Bank Statements, 12) Recent 3 years IT Returns. 13) Mother Deed 14) Minimum 200 Square Feet Sital Area For A Khata 15) 3 years Income Tax Returns Compulsory 16) If Applicant is Govt Employee Pay Slip and 6 Months Bank Statements 17) If Property is Revenue Documents RTC, Mutation, Akarband Required 18) If it is DC Converted Land Layout Plan is Required |