Loans

Vyapari Utkarsha Loan*(click for details)

Purpose Working Capital
Eligibility Small Traders
Loan Amount Upto Rs. 5 lakhs
Margin 25%
Repayment 1 Year
Special Feature Cash Credit loan
Security Stock in Hand + 100% collateral security
Guarantee / Surety 2 Guarantors
Minimum Documents / Requirements KYC, Business Licenses, Income Tax Returns,
Financial Statements, Stock Statements etc
Rate of Interest For Latest Interest Rates Click Here


Vehicle Loan*(click for details)

Purpose New 2 Wheeler / 4 Wheeler for personal use
Eligibility Individuals
Loan Amount 90% of (Quotation + RTO Tax + Insurance)
Margin 10% of (Quotation + RTO Tax + Insurance)
Repayment Upto 5 Years
Special Feature Lowest Interest Rate, Term Loan
Security Vehicle
Guarantee / Surety 1 or 2 Guarantors
Minimum Documents / Requirements KYC, Income Tax Returns, Financial Statements/
Salary Certificate, Quotation etc.
Rate of Interest For Latest Interest Rates Click Here


Gold Loan*(click for details)

BULLET REPAYMENT

Purpose Any
Eligibility Individuals
Loan Amount Upto Rs. 2 Lakhs
Margin Rs. 37000/- will be sanctioned per 10gms of Pure Gold in ornaments
Repayment On Due Date (1 Year)
Security Gold Ornaments
Guarantee / Surety Not required
Minimum Documents / Requirements Saving account with Branch
Rate of Interest For Latest Interest Rates Click Here

NON-BULLET REPAYMENT

Purpose Any
Eligibility Individuals
Loan Amount More than 2 lakhs
Repayment 1. Upto 3 lakh - 3 years, 2. Upto 4 lakh - 4 years, 3. Upto 5 lakh - 5 years
4. Above 5 Lakh - 5Years
Special Feature Repayment on EMI Basis
Security Gold Ornaments
Guarantee / Surety Not required
Rate of Interest For Latest Interest Rates Click Here


Housing Loan*(click for details)

Purpose Construction / Purchase of residential house
Eligibility Individuals
Loan Amount Upto Rs. 140 lakhs & Above
Margin Upto 35%
Repayment Upto 240 Months
Special Feature Pradhan Mantri Awas Yojana Benefit available
Security House / Flat for which loan has been taken
Guarantee / Surety 2 Guarantors
Minimum Documents / Requirements KYC, Income Certificate, Property related documents etc.
Rate of Interest For Latest Interest Rates Click Here


Loan against Fixed Deposits**(click for details)

Purpose Any
Eligibility Individuals
Loan Amount Upto 90% of (Fixed Deposit Principal
+ Accrued Interest)
Margin 10%
Repayment Term Loan - Earliest of 2 Years or FD Maturity date
Cash Credit - Upto FD Maturity date
Special Feature Loan against third party bank deposit
Security Fixed Deposit Receipt
Guarantee / Surety Not Applicable
Minimum Documents / Requirements Not Applicable
Rate of Interest For Latest Interest Rates Click Here


LOAN AGAINST NSC/KVP/LIC*(click for details)

Purpose Any
Eligibility Individuals
Loan Amount As per requirement
Margin Upto 25%
Repayment Till Maturity date of Security
Special Feature Loan against NSC is granted for securities purchased before 12 months.
Loan against KVP is generally granted for securities purchased before 54 months,
Loan against LIC Policy is granted upto 75% of surrender value
Security NSC/KVP/LIC on which loan has been taken
Guarantee / Surety Not Applicable
Minimum Documents / Requirements KYC, Saving account with Bank etc.
Rate of Interest For Latest Interest Rates Click Here


Project Loan*(click for details)

Purpose Project (Industrial,Construction etc.)
Eligibility

Individuals, Partnership Firm, Companies etc.
Loan Amount As per requirement
Margin 25%
Repayment Upto 7 years
Special Feature Moratorium Period
Security Immovable property, Machinery etc.
Guarantee / Surety 2 Guarantors
Minimum Documents / Requirements KYC, Income Statements, Financial Documents,

Immovable property, Project report etc.
Rate of Interest
*Conditions Apply		 For Latest Interest Rates Click Here


Cash Credit Loan*(click for details)

Purpose Working Capital
Eligibility Individuals, Partnership Firm,
Companies etc.
Loan Amount As per requirement
Margin 25%
Repayment 1 Year
Special Feature Not Applicable
Security Stock + Receivables
Guarantee / Surety 2 Guarantors
Minimum Documents / Requirements KYC, Income Statements, Financial Documents,
Stock Statement, Debtors etc.
Rate of Interest For Latest Interest Rates Click Here


Pledge Loan (Turmeric, Grains, Cotton etc.)*(click for details)

Purpose Turnover
Eligibility Individuals, Partnership Firm, Companies etc.
Loan Amount As per requirement
Margin 30%
Repayment 1 Year
Special Feature Managed through Collateral Management Services- NCMSL, NBHS
Security Warehouse / Cold Storage / Godawoon /Pev Receipts
Guarantee / Surety Not Applicable
Minimum Documents / Requirements KYC, Financial Statements, Income Statements,
Licences, Warehouse/Cold Storage/Godawoon/
Pev receipts etc.
Rate of Interest For Latest Interest Rates Click Here


Shikshan Sanvardhini Loan*(click for details)

Purpose Education fees for Engineering, Medical & Professional Courses
Eligibility Individuals
Loan Amount Education in India Rs. 10.00 lakhs &
Education Outside India Rs. 20.00 lakhs
Margin  10%
Repayment As per rule
Special Feature Lowest Interest Rate 
Security Immovable property
Guarantee / Surety 2 Guarantors
Minimum Documents / Requirements KYC, Income Tax Returns, Financial Statements,
Salary Certificate, Admission Confirmation letter,
Education fee estimate etc.
Rate of Interest For Latest Interest Rates Click Here


* Conditions apply
* Flexible Interest Rate for Cash Credit facility as per Credit Rating
* Lower Interest Rate for Women Entrepreneurs