प्यार और सहकार से भरा पूरा परिवार ही धरती का स्वर्ग होता है।

Any member can apply for a loan under any of the 3 categories of the loan i.e. Unsecured, Secured & Special Loan. Loan application is required to be made in a specific format available at free of cost to the members from the office of the Society during the working hours.

Srl.No. Loan Category Maximum Loan (in Rs.) Conditions
1. Unsecured 3,00,000
  • Against the surety of other members according to the level of sum applied.
  • 12 times of the Monthly Income.
  • Loan can be re-paid maximum within 100 months of disbursement.
2. Secured No Limit
  • Available up to 90% of the Value of Instrument pledged.
  • Entire Loan to be re-paid before encashment of the Fixed Deposit/MMDS against which Loan is availed.
3. Special 50,00,000
  • Available at the security of Immovable Property (Shop, house, Plot or any other) subject to maximum of 50% of the Market Value of the Asset.
  • 30 times of the Monthly Income whichever is less.
  • Personal sureties of 2 Members.
  • Loan can be re-paid maximum within 240 months of disbursement.

In case of unsecured loan, pattern of sureties required for the purpose of approval is:

Borrowed Sum (in Rs.) No. of Sureties
from regular member
From Upto
1 40,000 1
40,001 80,000 2
80,001 150,000 3
150,001 - 4

Emergency Loan:-However, in case of emergent conditions, CEO of the Society is empowered to lend a sum lower of Rs. 20,000/- or share money deposited by member. Conditions (Other than upfront deductions) for the Emergency loan will remain same as Unsecured Loan.

Rate of Interest Loan:

(i) On ordinary Loan & Emergency Loan: - 14.40% p.a.

(ii) On Mortgage Loan: - 14.40% p.a.

(iii) On Secured Loan against deposits: - 01% p.a. extra of deposit rate.