Loan Schemes & EMI Calculator
Empowering community growth through affordable credit facilities, low interest rates, minimal documentation, and transparent processing.
Our Comprehensive Loan Schemes
Gold Loan (സ്വർണ്ണ പണയം)
Quick liquidity against gold ornaments with maximum rate per gram, safety vaults, and minimal documentation.
- Instant appraisal and spot disbursement
- Attractive interest rates with flexible repayment
- High-security locker storage for jewelry
Housing & Construction Loan
Fulfill your dream of home construction, plot purchase, house renovation, or structural extension.
- Loans up to ₹25 Lakhs or more
- Repayment tenures up to 10 years
- Stage-wise fund release for construction
Vehicle Loan
Hassle-free financing for new two-wheelers, personal cars, or commercial utility vehicles.
- Up to 85% vehicle cost financing
- Competitive interest rates
- Simple documentation with hypothecation
Personal & Consumer Loan
Tailored credit solutions for personal emergencies, education, wedding expenses, or household consumer electronics.
- Available for salaried employees & self-employed
- Flexible monthly EMI options
- No hidden processing charges
Business & Cash Credit Loan
Empowering local entrepreneurs, retail shops, and small businesses with working capital and revolving credit.
- Cash Credit (CC) & Overdraft (OD) limit
- Interest charged only on utilized amount
- Annual limit renewal support
Property Mortgage Loan
Unlock the value of your land or residential property for high-value financial requirements with low interest.
- Higher limit based on property valuation
- Clear legal verification support
- Structured long-term repayment plans
Loan Interest Rates & Tenure Overview
Standard rates per annum (subject to Co-operative Department guidelines).
| Loan Scheme Category | Interest Rate (% p.a.) | Maximum Tenure | Primary Security |
|---|---|---|---|
| Gold Loan (സ്വർണ്ണ പണയം) | 8.50% - 9.50% | 12 Months | Gold Ornaments |
| Housing Loan | 9.00% - 10.25% | Up to 15 Years | Land / Property Mortgage |
| Vehicle Loan | 9.50% - 10.50% | 5 Years | Vehicle Hypothecation |
| Hire Puchase Loan | 10.50% - 11.50% | 36 Months | Personal Sureties / Salary Certificate |
| Business Cash Credit (CC) | 10.00% - 11.00% | 1 Year (Renewable) | Stock / Property Collateral |
| Property Mortgage Loan | 9.75% - 10.75% | 7 to 10 Years | Land / Immovable Property |
* Exact interest rates depend on applicant eligibility, category, and evaluation by the Bank's Loan Sanctioning Committee.
Loan EMI Calculator
Estimate your monthly EMI, total interest, and total payable amount instantly before applying.
₹ 10,499
₹ 6,29,940
General Documentation Required
KYC Documents
Aadhaar Card, Election ID, PAN Card, and 2 passport photos.
Income Proof
Salary certificates, IT Returns, or business bank statements.
Property Documents
Title deed, Encumbrance Certificate (EC), Location map & tax receipt.
Surety Documents
Identity and income proofs of two eligible bank member sureties.