Loans

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Popular Loans

Sl No. Type of Loan Maximum amount Nature of security Int. Rates Term of Loan
1 Mortgage Janashree Loan – MJL (w.e.f  27-07-2020) 2.00 crore Land & Building Upto Rs.10 lakh @10.50%
Above Rs. 10 lakh @11.00%
120M
2 Mortgage Loan EMI- Special- MLES  30 Lakhs Land & Building Upto  Rs.10 lakh @ 10.25%
Above Rs. 10 lakh  @ 10.50%
120M
3 Mortgage Samridhi Loan  - MSL 25 LAKH Land & Building Upto 10 lakhs@10.50%
Above 10 lakh to 25 lakh @11.00%
180 M
4 Mortgage Loan Premium -  MLP  2.00 crore Land & Building Upto Rs. 20 Lakhs @10.50%
Above Rs. 20 Lakhs @10.00%
120 M
5 Housing Loan Grahasree - HLG  70 Lakhs  Land & Building Upto Rs.5 Lakhs @10.00 %
Above Rs. 5 Lakhs upto 30 laksh  @9.50 %
Above Rs. 30 Lakhs upto 70 lakh @8.50 to 9.25 %
240 M
6 Mortgage OD-MOD 2.00 crore Land & Building 11% 1 Year
7 Mortgage  OD Premium -  MODP  2.00 crore Land & Building 9.50 to 10.50 % 1 Year
8 Janashree Personal  Overdraft- JPOD  20 Lakhs Land & Building 13.00% 1 Year
9 Salaried Employees  Recovery Loan - SELR   Bank Member Rs.2,00,000/- Non Member Rs.1,00,000/- Personal Surety 11.50% 60 M
10 Salaried Employees Loan  -SEL   Rs. 1,00,000/- Personal Surety 15.00% 60 M
11 Surety Loan  - SL Rs.10000/- Personal Surety 15% 35M
12 Vehicle loan with property –VHLP 25  Lakhs Land & Building 12% 120M
13 Vehicle loan (WITHOUT PROPERTY) - VHL   25 Lakhs Personal surety 13% 84M
14 Fixed Deposit Loan 90 % of deposit amount Deposit Receipts Deposit Rate+2% Due date of deposit
15 Nidhi Deposit Loan 90% of deposit amount Deposit Receipts Deposit Rate+2% Due date of deposit

Over Draft Schemes & Amount

OVER DRAFT SCHEMES & AMOUNT INTEREST RATE
MORTGAGE OVERDRAFT
MORTGAGE OVERDRAFT (MOD) with effect date 01/08/2016 13.00% 
MORTGAGE OD PREEMIUM (MODP) with effect date 01/08/2016 11.00%
MORTGAGE OD PREEMIUM (MODP) CIBIL RATING with effect date 01/08/2016 10.50%
   
OVERDRAFT AGAINST DEPOSIT DEPOSIT INT+ 2%
   
OVERDRAFT AGAINST GOLD(GOD)with effect date 01/10/2018 10.75%
JANASREE PERSONAL OD (JPOD) with effect date 01/08/2016 13.50%
   
PERSONAL OVER DRAFT - POD | MAXIMUM AMOUNT - 20 LAKH (with effect date 12/07/2014) RENEWAL ONLY 14%
Sathabdi Vyaapar Mithra OD 9.00%

Available Gold Loans

Sl No. Type of Loan Maximum amount Nature of security Int. Rates Term of Loan
1 Gold OD  - GOD 2.00 crore Gold ornaments 10.50% 1 Year
2 Gold Term Loan - GTL 2.00 crore Gold ornaments 9.00% 36M
3 GOLD LOAN EASY 2.00 crore Gold ornaments 8.50% 15 D
4 Ordinary Gold Loan - GOLD      2.00 crore Gold ornaments 9.50% 6 M
5 Special Gold Loan - GLS       2.00 crore Gold ornaments 8.75% 3 M
6 Sathabdi Gold Loan 2.00 crore Gold ornaments 7.90% 6 M