S.N Loan Title Installment Repayment Month Interest Rate Service Charge Maximum Loan Limit
1 Loan without collateral
1.1 General Loan
1.1.1 Normal Loan 12 to 24 15% 1.5% Up to 150,000*
1.1.2 Education Loan 12 14.5% 1.5% 50,000
1.1.3 Disaster Home Loan 12 to 36 14% 1% 100,000
1.1.4 Consumer Loan 12 to 24 15% 1.5% 100,000
1.1.5 Alternative Energy Loan 12 to 36 14.5% 1.5% Up to 200,000*
1.2  Discipline Related Loan
1.2.1  Discipline Loan 12 to 60 15% 1.5% Up to 500,000*
1.2.2 Special Discipline Loan 12 15% 1.5% Up to 40,000*
1.2.3 Emergency Loan(After 2 years membership) 12 14.5% 1% 10,000
1.3 Entrepreneurship Development Loan 12 to 60  14.5% 1.5% Up to 500,000*
1.4 Covid Loan 12 to 24 14% 1.5% 100,000
2 Collateral Loan
2.1 Loan Related to Micro Enterprise
2.1.1 Micro Enterprise Loan 12 to 120  15% 1.5% Up to 1,500,000*
2.1.2 Collateral Entrepreneurship Development Loan 12 to 120 14.5% 1.5% Up to 1,500,000*
2.1.3 Home Loan 12 to 60  15% 1.5% Up to 1,500,000*
2.2 Individual Loan 12 to 120 15% 1.5% Up to 1,500,000*
3 Unit Based Loan        
3.1 Unit Home Loan 12 to 60 10% 0% 50,000
3.2 Group Business Loan 12 to 60 14% 1.5% 1,000,000*

* Terms and Conditions May Apply

- Dalit, Mukta kamaiya, Badi, Haliya, Disaster victim, Single women, Disabled and Elderly citizens will be provided a discount of 1% percent on interest rate.

- While increasing loan limit / ceiling , Service charge upto 20% will be applied in the increased amount.