Loan Products

Loan Products

Choose the Loan That Fits Your Need

We offer a comprehensive range of loan products designed for every financial requirement with minimal documentation and fast processing.

Business Loan

Fuel your business growth with working capital, machinery loans, line of credit and business expansion loans. Collateral-free options for existing members.

Interest Rate 11.5%%
Max Amount ₹50L
Max Tenure 60 Months
Processing Fee 1%
  • Overdraft facility available
  • Part-prepayment allowed
  • Quick renewal process
  • No foreclosure charges after 12 months
Apply Now
Lowest Rate

Agriculture Loan

Complete agricultural financing including crop loans, Kisan Credit Card, farm equipment, land development, dairy and poultry at subsidized rates.

Interest Rate 8.5%%
Max Amount ₹25L
Max Tenure 36 Months
Processing Fee 0%
  • Interest subvention benefit
  • KCC with 3 year validity
  • Crop insurance included
  • Flexible repayment linked to harvest
Apply Now

Personal Loan

Unsecured personal loans for wedding, medical emergency, higher education, home renovation or any personal need. Disbursal within 24 hours.

Interest Rate 13.5%%
Max Amount ₹10L
Max Tenure 60 Months
Processing Fee 0.5%
  • No collateral required
  • No guarantor needed
  • Top-up loan option
  • Pre-approved for existing members
Apply Now

Housing Loan

Make homeownership affordable with our housing loans. Construction, purchase, renovation, balance transfer and plot loans available.

Interest Rate 9.25%%
Max Amount ₹75L
Max Tenure 300 Months
Processing Fee 0.5%
  • PMAY subsidy up to ₹2.67L
  • Tax benefit u/s 80C & 24
  • Balance transfer facility
  • Step-up EMI for young professionals
Apply Now

Vehicle Loan

New and used car loans, two-wheeler loans and commercial vehicle financing with 100% on-road funding. Lowest processing fee guaranteed.

Interest Rate 10.0%%
Max Amount ₹100L
Max Tenure 84 Months
Processing Fee 0.25%
  • 100% on-road funding
  • Used cars up to 10 years old
  • Quick approval in 2 hours
  • Balloon EMI option
Apply Now

Gold Loan

Get instant cash against your gold jewelry. The most convenient way to unlock liquidity without selling your precious assets.

Interest Rate 9.5%%
Max Amount ₹50L
Max Tenure 24 Months
Processing Fee 0%
  • Per gram rate: ₹6,200
  • Same day disbursal
  • Gold in bank-grade vaults
  • Bullet repayment option
Apply Now

Education Loan

Invest in your future with education loans for studies in India and abroad. Competitive rates and flexible repayment after course completion.

Interest Rate 10.5%%
Max Amount ₹40L
Max Tenure 180 Months
Processing Fee 0%
  • Study in India & Abroad
  • Moratorium period available
  • Co-borrower flexibility
  • Scholarship benefits
Apply Now

SHG / Group Loan

Micro-credit for Women Self Help Groups and Joint Liability Groups. Empowering 18,000+ women entrepreneurs across rural India.

Interest Rate 12.0%%
Max Amount ₹5L
Max Tenure 36 Months
Processing Fee 0%
  • Group of 5-20 women
  • Minimum documentation
  • Weekly/Monthly repayment
  • Top-up after 6 months
Apply Now
Why Choose Our Loans

Borrowing Made Simple & Transparent

5 reasons why 7,500+ members trust us for their borrowing needs every year.

Fastest Processing

Loan approval within 4 hours and disbursal in 24 to 72 hours depending on loan type and document verification status.

Zero Hidden Charges

Complete transparency - all charges communicated upfront. No surprise fees or hidden deductions ever.

Flexible Repayment

Choose from EMI, Bullet, Balloon or Step-up repayment options based on your cash flow patterns.

Lowest Interest Rates

Interest rates starting from 8.5% p.a. - among the lowest in cooperative society sector in India.

Minimal Documentation

Aadhaar + PAN is all you need for pre-approved customers. EKYC and e-sign for completely digital process.