Gold / Jewellery Loan
- Max amount
- As per gold valuation
- Interest
- 12% p.a.
- Tenure
- As per sanction terms
Eligibility & requirements
- Membership of the society
- Gold ornaments for pledge
- KYC documents & 2 photographs
Credit
Loan schemes
All loans are sanctioned to members of the society. Rates are on a reducing balance basis and are subject to board review.
Vehicle Loan
- Max amount
- As per salary eligibility
- Interest
- 14% p.a.
- Tenure
- As per sanction terms
Eligibility & requirements
- Salary certificate
- Employer undertaking
- One surety member
Loan Against Property
- Max amount
- As per property valuation
- Interest
- 12.5% p.a.
- Tenure
- As per sanction terms
Eligibility & requirements
- Clear title deed & EC
- Property documents for mortgage
- Income proof
Property Purchase / Building Construction Loan
- Max amount
- As per project cost
- Interest
- 11.5% p.a.
- Tenure
- As per sanction terms
Eligibility & requirements
- Approved building plan / sale agreement
- Clear title deed & EC
- Income proof
Other Loan / Special Loan
- Max amount
- As per sanction
- Interest
- As per applicable terms
- Tenure
- As per sanction terms
Eligibility & requirements
- Membership of the society
- Documents as advised by the branch
- Surety or security as applicable
EMI calculator
Estimate your monthly instalment before you apply.
₹5,00,000
12% p.a.
5 years
Monthly EMI
₹11,122
Principal₹5,00,000
Total interest₹1,67,333
Total payable₹6,67,333
75% principal · 25% interest
Indicative only. Figures assume a fixed rate on a reducing balance with equal monthly instalments. Your actual EMI depends on the sanctioned amount, rate and terms approved by the board.
Common documents for every loan
- Completed loan application form
- Aadhaar and PAN copies (KYC)
- Two passport-size photographs
- Membership share certificate
- Income / land / salary proof as applicable
- Surety details or security documents