Credit
Loans built around our members
Personal, gold, business, vehicle and property loans — plus instant credit against your own fixed or recurring deposit, at rates that respect the relationship.
Business Loan
- Interest
- 15% reducing
- Amount
- ₹25,000 – ₹20,00,000
- Tenure
- 12–84 months
- Processing fee
- 1%
Documents: Aadhaar, Pan, Photo, Address Proof, Income Proof, Bank Statement, Business Proof, Itr
Gold Loan
- Interest
- 12% reducing
- Amount
- ₹5,000 – ₹10,00,000
- Tenure
- 3–36 months
- Processing fee
- 0.5%
- Loan to value
- 75%
Documents: Aadhaar, Pan, Photo, Gold Valuation
Loan Against FD
- Interest
- 14.75% reducing
- Amount
- ₹1,000 – ₹50,00,000
- Tenure
- 1–60 months
- Processing fee
- 0%
- Loan to value
- 90%
Documents: Fd Bond, Lien Letter
Loan Against RD
- Interest
- 14.75% reducing
- Amount
- ₹1,000 – ₹10,00,000
- Tenure
- 1–36 months
- Processing fee
- 0%
- Loan to value
- 80%
Documents: Rd Passbook, Lien Letter
Personal Loan
- Interest
- 16% reducing
- Amount
- ₹10,000 – ₹5,00,000
- Tenure
- 6–60 months
- Processing fee
- 1%
Documents: Aadhaar, Pan, Photo, Address Proof, Income Proof, Bank Statement
Property Loan
- Interest
- 12.5% reducing
- Amount
- ₹1,00,000 – ₹50,00,000
- Tenure
- 12–180 months
- Processing fee
- 1%
- Loan to value
- 60%
Documents: Aadhaar, Pan, Photo, Address Proof, Income Proof, Bank Statement, Registry Papers, Valuation Report, Noc
Vehicle Loan
- Interest
- 13% reducing
- Amount
- ₹25,000 – ₹15,00,000
- Tenure
- 12–84 months
- Processing fee
- 1%
- Loan to value
- 85%
Documents: Aadhaar, Pan, Photo, Address Proof, Income Proof, Bank Statement, Quotation, Rc Hypothecation
How it works
-
1
Apply online or at your branch
-
2
We verify your documents and, where needed, value your security
-
3
The Board sanctions your loan and we tell you the exact EMI
-
4
Money is disbursed to your savings account, bank or in cash
-
5
Repay by EMI at the branch, by UPI, or through your collector
Loan FAQs
How soon can a loan be disbursed? +
Once your documents are verified and the Board sanctions the loan, disbursal usually happens the same day.