Loan Schemes

Empowering members with secure financial support

Loan application submitted date 15 to 25

Emergency Loan

Maximum: ₹10,000/-

Personal Loan

₹25,000 – ₹2,00,000/-

Loan Against Property

Maximum Up to 90% of FD amount

Loan Against FD

Max. Up to ₹4,00,000/-

Interest
  • 18% p.a. (1.5% p.m.) Reducing Balance
  • +1.5% on RD/FD loans
  • 3% penal yearly
Conditions
  • Must be a member
  • 10% Share Money
  • Non-defaulter guarantors
  • Surety deposit 5%
  • Compulsory equal deposit
Documents
  • ID Proof (Aadhar/PAN)
  • Address Proof
  • Income Proof
  • 2 Cheques
  • Passport Photos
Tenure & Charges
  • Max: 12 months
  • 3% late penalty
  • Processing charges apply

Loan Comparison

Loan Type Max Amount Tenure Interest Special Conditions
Emergency Loan ₹10,000 – ₹20,000 Up to 12 months 18% p.a. (1.5% p.m.) Quick approval for urgent needs
Personal Loan ₹25,000 – ₹2,00,000 Up to 12 months 18% p.a. (Reducing Balance) 10% Share Money + Compulsory Deposit
Loan Against Property Up to ₹5,00,000 Up to 12 months 18% p.a. Mortgage of property required
Loan Against FD / RD Up to 90% of FD / RD Value Up to 12 months 18% p.a. + 1.5% FD/RD must be lien-marked