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Loan Schemes
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Loan Schemes
Retail Loan
Information not available... Contact our branch
Vehicle Loan
Four wheeler Loan
Three Wheeler ( New/Old)
Four Wheeler ( New/Old)
Light Commercial Vehicle (New/Old)
Heavy Commercial Vehicle ( Old / New)
Loan Amount
95 % Of Quotation ( New vehicle)
50 % of Valuation (Old vehicle between 3 to 5 years old)
Guarantor
Two (Creditworthy Guarantor’s )
Membership
@ 2.5 % of Loan Amount in share if loan amount > Rs. 1.00 lack
Nominal Membership if loan amount < or =Rs. 1.00 Lack
Loaning
Immediate Loan Sanction
Security
Said Vehicle
Documents
Quotation
Latest Income Proof of Applicant & Guarantor’s
o In case of Businessman- Last three I T returns with audited Financial Statement.
Bank Track Record last year
o In case of Salary Earner - Last three months Salary Certificate and one years
Salary a/c statement.
I D & R D Proof’s documents of Applicant & Guarantor’s
Bank Track Record
Borrower’s residential proof
Pre-closure
No Pre-closure Charges
Loan Processing Fee
As per Loan Amount.
Up to Rs 5.00 Lacks @ 0.55%
Rs. 5.00 Lacs to 10.00 Lacks @ 0.45%
Above Rs 10.00 Lacks @ 0.30%
Transporter Loan
Two wheeler Loan
Two Wheeler ( New/Old)
Loan Amount
95 % Of Quotation ( New vehicle)
50 % of Valuation (Old vehicle between 3 to 5 years old)
Guarantor
Two (Creditworthy Guarantor’s )
Membership
@ 2.5 % of Loan Amount in share if loan amount > Rs. 1.00 lack
Nominal Membership if loan amount < or =Rs. 1.00 Lack
Loaning
Immediate Loan Sanction
Security
Said Vehicle
Documents
Quotation
Latest Income Proof of Applicant & Guarantor’s
o In case of Businessman- Last three I T returns with audited Financial Statement.
Bank Track Record last year
o In case of Salary Earner - Last three months Salary Certificate and one years
Salary a/c statement.
I D & R D Proof’s documents of Applicant & Guarantor’s
Bank Track Record
Borrower’s residential proof
Pre-closure
No Pre-closure Charges
Loan Processing Fee
As per Loan Amount.
Up to Rs 1.00 Lacks @ 0.85%
Home Loan
House Loan
Mortgage Loan
Construction of House / Bungalow
Purchase of Flat / Row House / Bungalow ( New)
Loan Amount
Maximum of Rs. 50.00 lakh
Guarantor
Two (Creditworthy Guarantor’s )
Membership
Yes, @ 2.5 % of Loan Amount share holding
Period
Maximum period of 15 years
Loaning
Immediate Loan Sanction
Security
Goods Purchased
Documents
- Search & Title Report / Property Documents
- Purchase Deed / D/A, P/A, N/A Order of Builder
- Commencement Certificate
- Sanctioned Plan Copy (True copy)
- Builder / Society N O C
- Estimate (in case of construction)
- Original copy of Agreement to Sale
- Latest Income Proof of Applicant & Guarantor’s
or In case of Businessman- Last three I T returns with audited -
Financial Statement. Bank Track Record last year
- In case of Salary Earner - Last three months Salary Certificate and
one years Salary a/c statement.
- I D & R D Proof’s documents of Applicant & Guarantor’s
Pre-closure
No Pre-closure Charges
Loan Processing Fee
As per Loan Amount.
Up to Rs 5.00 Lacks @ 0.55%
Rs. 5.00 Lacks to 10.00 Lacks @ 0.45%
Above Rs 10.00 Lacks @ 0.30%
Gold Loan
Gold Loan
Gold Loan
Loan Amount
75 % of Gold / Silver Value, or Rs. 5.00 lacks which is lower
Guarantor
N/A
Membership
@ 2.5 % of Loan Amount if loan amount > Rs. 1.00 lack
Nominal Membership if loan amount < or = Rs. 1.00 Lack
EMI
Up to Rs.1.00 Lack Bullet Repayment Scheme
Above Rs.1.00 Lack EMI - Monthly / Quarterly / Half - Yearly / Yearly
Loaning
Immediate Loan Sanction
Security
Gold/Silver
Valuation
Net Weight Approved By Jewelers
Gold Value = Net weight x Market Rate
75 % of Gold Value as a loan amount
Pre-closure
No Pre-closure Charges
Loan Processing Fee
As per Loan Amount.
Up to Rs 5.00 Lacks @ 0.55%
Personal Loan
Personel Loan
Medical expenses for self / family members etc.
Purchase of Consumer Durables / Furniture / Fixtures / Computers
Repairs / Renovations of Flat / House
Domestic / Foreign Tours & Travels.
Loan Amount
Maximum of Rs. 1.00 lakh
Guarantor
Two (Creditworthy Guarantor’s )
Membership
Yes, @ 2.5 % of Loan Amount share holding
Period
Maximum period of 5 years
Loaning
Immediate Loan Sanction
Documents
- Latest Income Proof of Applicant & Guarantor’s
- In case of Businessman- Last three I T returns with audited Financial
Statement.
- Bank Track Record last year
- In case of Salary Earner - Last three months Salary Certificate and
six months
- Salary a/c statement.
- I D & R D Proof’s documents of Applicant & Guarantor’s
- Bank Track Record
- Borrower’s residential proof
Pre-closure
No Pre-closure Charges
Loan Processing Fee
- As per Loan Amount.
- @ 0.55%