Loan Schemes


Loan Schemes

  • Retail Loan
    Information not available...

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  • 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)
    Rate of Interest @ 12 %
    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)
    Rate of Interest @ 12 %
    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
    Rate of Interest Up to Rs. 10 Lacks @ 11 %

    Above Rs. 10 Lacks @ 12 %
    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
    Rate of Interest @ 11 %
    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
    Rate of Interest Up to Rs. 1 Lacks @ 11 %
    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%