Home /  Loans

Loans

PurposeAll types of needs
Max. Loan Amount85%
Margin15%
PeriodTill Maturity of Term Deposit
ROI (Floating) Percentage p.a.1% over & above the ROI of Term Deposit
SecurityLien on Term Deposit
GuarantorsN.A.
Processing FeeN.A.
CollateralN.A.
Share AmountN.A.
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeAll types of needs (Personal / Business)
Max. Loan Amount85%
Margin15%
PeriodTill Maturity of Term Deposit
ROI (Floating) Percentage p.a.8.95
SecurityLien on Term Deposit
GuarantorsN.A.
Processing FeeN.A.
CollateralN.A.
Share AmountN.A.
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeAll types of needs (Personal / Business)
Max. Loan Amount65% of Market Value of Gold Ornaments as reported By our panel Valuer.
Margin35%
PeriodUp to ₹ 2/- Lakhs (12 months) & Above ₹ 2/- Lakhs (60 Months)
ROI (Floating) Percentage p.a.General: 9.50
Ambar Sakhi: 9.25
SecurityPledge of Gold Ornaments
GuarantorsN.A.
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralN.A.
Share AmountAs Per Bank's Circular
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeAll types of needs
Max. Loan Amount70 % of Principal Amount of NSCs / KVP / Surrender Value of LIC Policies.
Margin30%
PeriodTill Maturity of said Securities
ROI (Floating) Percentage p.a.General: 11
Ambar Sakhi: 10.50
SecurityPledge of Original NSCs / KVP or Assignment on LIC Policies
GuarantorsN.A.
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralN.A.
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeHouse Repairing / Renovation, Repayment of Debts, Purchase Home Appliances Religious Ceremonies, Purchase Gold Ornaments etc.
Max. Loan Amount₹ 5/- Lakhs
MarginN.A.
PeriodMax 84 Months
ROI (Floating) Percentage p.a.General: 13.95
Ambar Sakhi: 13.45
SecurityPersonal Surety
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeHouse Repairing / Renovation, Repayment of Debts, Purchase Home Appliances Religious Ceremonies etc.
Max. Loan Amount₹ 5 Lakhs
MarginN.A.
PeriodMax 84 Months
ROI (Floating) Percentage p.a.General: 13.95
Ambar Sakhi: 13.45
SecurityPersonal Surety
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeTo Start a New Business Expansion of Existing Business, Purchase Plot for Factory, Purchase Shop / Office / Unit,Construction of Factory Shed, Working Capital Limit etc.
Max. Loan Amount₹ 5/- Lakhs UnsecuredAbove ₹ 5 Lakhs as per Policy
MarginN.A.25%
ROI (Floating) Percentage p.a.General: 11.95
Ambar Sakhi: 11.45
General: 11.95
Ambar Sakhi: 11.45
SecurityMortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeExpansion of Business, Personal Needs, Education, Repayment of Debts, Medical, Emergencies, Travel, etc. (The Loan is not available for Speculative purposes, trading in shares & others which have been Specifically prohibited by RBI)
Max. Loan AmountAs per Bank Policy
Margin25%
PeriodMax. 120 Months
ROI (Floating) Percentage p.a.General: 13.95
Ambar Sakhi: 13.45
SecurityMortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposePurchase of Flat / House / Bungalow for own use
Max. Loan AmountAs per RBI guidelines
Margin25%
PeriodMax. 240 Months
ROI (Floating) Percentage p.a.General: 8.95
Ambar Sakhi: 8.70
SecurityMortgage of Flat / House / Bungalow
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposePurchase of Two Wheelers / Four Wheelers
Max. Loan Amount75%
Margin25%
Period84 Months
ROI (Floating) Percentage p.a.General: 9.45
Ambar Sakhi: 8.95
SecurityHypothecation of Vehicles
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposePurchase of Commercial Vehicles i.e. (Trucks, Cranes, JCBs & Rikshaws etc.)
Max. Loan Amount75%
Margin25%
Period84 Months
ROI (Floating) Percentage p.a.General: 10.45
Ambar Sakhi: 9.95
SecurityHypothecation of Vehicles
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeFor Higher Education (Degree / Diploma / Professional Course from approved Educational Institute / University)
Max. Loan AmountStudy in India : ₹ 10 Lakhs AND Study at Abroad : ₹ 20 Lakhs
Margin25%
Period60 Months or till completion of education / As per bank policy
ROI (Floating) Percentage p.a.
Before completionAfter completion
General: 10.95General: 11.95
Ambar Sakhi: 10.45Ambar Sakhi: 11.45
SecurityUpto ₹ 5/- Lakhs - No Collateral Security, Above ₹ 5/- Lakhs Immovable Properties
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeFor Higher Education (Degree / Diploma / Professional Course from approved Educational Institute / University)
Max. Loan AmountStudy in India : ₹ 10 Lakhs AND Study at Abroad : ₹ 20 Lakhs
Margin25%
PeriodAs per bank policy
ROI (Floating) Percentage p.a.
Before completionAfter completion
General: 10.95General: 11.95
Ambar Sakhi: 10.45Ambar Sakhi: 11.45
SecurityUpto ₹ 5/- Lakhs - No Collateral Security, Above ₹ 5/- Lakhs Immovable Properties
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeFor Tours and Traveling (Foreign or Domestic)
Max. Loan Amount₹ 5/- Lakhs
Margin25%
Period60 Months
ROI (Floating) Percentage p.a.General: 10.95
Ambar Sakhi: 10.45
SecurityN.A.
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeTo Start a New Business or Expansion of Existing Business
Max. Loan Amount₹ 5000/-
MarginN.A.
Period36 Months
ROI (Floating) Percentage p.a.Ambar Sakhi: 8.95
SecurityN.A.
GuarantorsN.A.
Processing FeeAmbar Sakhi: N.A.
CollateralN.A.
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeTo Start a New Business or Expansion of Existing Business
Max. Loan Amount₹ 25,000/-
MarginN.A.
Period36 Months (Review & Renew)
ROI (Floating) Percentage p.a.General: -
Ambar Sakhi: 8.95
SecurityN.A.
GuarantorsOne or Two
Processing FeeGeneral: N.A.
Ambar Sakhi: N.A.
CollateralN.A.
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeTo Start a New Business or Expansion of Existing Business, Purchase Plot for Factory, Construction of Factrory Shed, Working Capital Limit etc
Max. Loan Amount75%
Margin25%
Period120 Months
ROI (Floating) Percentage p.a.General: 11.95
Ambar Sakhi: 11.45
SecurityMortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeMedical Expenses, House Repair, Renovation, Foreign or Domestic Tours, Family Ceremonial function, Emergencies, Repayment of Debts, business loan & Limit Purchase Vehicle, Personal needs & Any Other
Max. Loan Amount₹ 2.50/- Lakhs
MarginAs Applicable
Period60 Months
ROI (Floating) Percentage p.a.General: 10.95
Ambar Sakhi: 10.45
SecurityMortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralAs per Bank Policy
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposePurchase Desktop , Computer / Laptop/ I - Pad,with Printer & other Accessories, TV, Fridge, LED, LCD, Consumer Durables ,Purchase Vehicles,etc.
Max. Loan Amount₹ 1.00/- Lakhs
MarginAs Applicable
Period24 / 36 / 48 / 60 Months
ROI (Floating) Percentage p.a.General: 12.95
Ambar Sakhi: 12.45
SecurityN.A.
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 1% On Loan Amount + GST as Applicable.
CollateralTerm & Conditions Apply
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeTo Purchase Desktop Computer / Laptop / I - Pad with Printer & Other Accessories
Max. Loan Amount₹ 1.00/- Lakhs
MarginAs Applicable
Period60 Months
ROI (Floating) Percentage p.a.Ambar Sakhi: 10.45
SecurityN.A.
GuarantorsOne or Two
Processing FeeAmbar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralTerm & Conditions Apply
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeTo start a New Business or Expansion of Small Business
Max. Loan Amount₹ 30,000/-
Margin25%
Period24 Months
ROI (Floating) Percentage p.a.General: 11.95
Ambar Sakhi: 11.45
SecurityN.A.
GuarantorsOne or Two
Processing FeeGeneral: N.A.
Ambar Sakhi: N.A.
CollateralN.A.
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeAll type of renovation & interior work of House / Bunglow / Factory / Unit / Shop / Offi ce / Basement Residential / Office Premises etc
Max. Loan Amount₹ 5/- Lakhs (Unsecured)₹ 30/- Lakhs (Secured)
Margin25%25%
Period60 Months (Unsecured)120 Months (Secured)
ROI (Floating) Percentage p.a.General: 10.95
Ambar Sakhi: 10.45
General: 10.95
Ambar Sakhi: 10.45
SecurityUnsecured Nil, Secured - Any Tangible ,Marketable Security except company shares
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralTerm & Conditions Apply
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeTo Fulfill all Types of Personal Needs
Max. Loan AmountTo the Extent of Existing Sanction Limit.
Margin25%
Period180 Months
ROI (Floating) Percentage p.a.General: 9.95
Ambar Sakhi: 9.70
SecurityContinuation of Existing Mortgage.
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralTerm & Conditions Apply
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.

PurposeAll type of Renovation & Interior Work of Shop / Office / Residential cum Office Premises, Purchase all Type of Equipments, to fulfil Business / Professional Needs etc
Max. Loan Amount₹ 5/- Lakhs (Unsecured)₹ 50/- Lakhs (Secured)
Margin25%25%
Period60 Months120 Months
ROI (Floating) Percentage p.a.General: 10.95
Ambar Sakhi: 10.45
General: 10.95
Ambar Sakhi: 10.45
SecurityUnsecured - NilSecured - Any TANGIBLE, Marketable Security except company shares
GuarantorsOne or Two
Processing FeeGeneral: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
CollateralTerm & Conditions Apply
Share AmountAs Per Bank's Circular
Pre-Repayment ChargesNo Pre-payment charges
Mode of RepaymentECS/ PDC or Standing Instruction.