Loans

Purpose	All types of needs
Max. Loan Amount	85%
Margin	15%
Period	Till Maturity of Term Deposit
ROI (Floating) Percentage p.a.	1% over & above the ROI of Term Deposit
Security	Lien on Term Deposit
Guarantors	N.A.
Processing Fee	N.A.
Collateral	N.A.
Share Amount	N.A.
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	All types of needs (Personal / Business)
Max. Loan Amount	85%
Margin	15%
Period	Till Maturity of Term Deposit
ROI (Floating) Percentage p.a.	8.95
Security	Lien on Term Deposit
Guarantors	N.A.
Processing Fee	N.A.
Collateral	N.A.
Share Amount	N.A.
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	All types of needs (Personal / Business)
Max. Loan Amount	65% of Market Value of Gold Ornaments as reported By our panel Valuer.
Margin	35%
Period	Up to ₹ 2/- Lakhs (12 months) & Above ₹ 2/- Lakhs (60 Months)
ROI (Floating) Percentage p.a.	General: 9.50 Ambar Sakhi: 9.25
Security	Pledge of Gold Ornaments
Guarantors	N.A.
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	N.A.
Share Amount	As Per Bank's Circular
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	All types of needs
Max. Loan Amount	70 % of Principal Amount of NSCs / KVP / Surrender Value of LIC Policies.
Margin	30%
Period	Till Maturity of said Securities
ROI (Floating) Percentage p.a.	General: 11 Ambar Sakhi: 10.50
Security	Pledge of Original NSCs / KVP or Assignment on LIC Policies
Guarantors	N.A.
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	N.A.
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	House Repairing / Renovation, Repayment of Debts, Purchase Home Appliances Religious Ceremonies, Purchase Gold Ornaments etc.
Max. Loan Amount	₹ 5/- Lakhs
Margin	N.A.
Period	Max 84 Months
ROI (Floating) Percentage p.a.	General: 13.95 Ambar Sakhi: 13.45
Security	Personal Surety
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	House Repairing / Renovation, Repayment of Debts, Purchase Home Appliances Religious Ceremonies etc.
Max. Loan Amount	₹ 5 Lakhs
Margin	N.A.
Period	Max 84 Months
ROI (Floating) Percentage p.a.	General: 13.95 Ambar Sakhi: 13.45
Security	Personal Surety
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	To 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 Unsecured	Above ₹ 5 Lakhs as per Policy
Margin	N.A.	25%
ROI (Floating) Percentage p.a.	General: 11.95 Ambar Sakhi: 11.45	General: 11.95 Ambar Sakhi: 11.45
Security	Mortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	Expansion 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 Amount	As per Bank Policy
Margin	25%
Period	Max. 120 Months
ROI (Floating) Percentage p.a.	General: 13.95 Ambar Sakhi: 13.45
Security	Mortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	Purchase of Flat / House / Bungalow for own use
Max. Loan Amount	As per RBI guidelines
Margin	25%
Period	Max. 240 Months
ROI (Floating) Percentage p.a.	General: 8.95 Ambar Sakhi: 8.70
Security	Mortgage of Flat / House / Bungalow
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	Purchase of Two Wheelers / Four Wheelers
Max. Loan Amount	75%
Margin	25%
Period	84 Months
ROI (Floating) Percentage p.a.	General: 9.45 Ambar Sakhi: 8.95
Security	Hypothecation of Vehicles
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	Purchase of Commercial Vehicles i.e. (Trucks, Cranes, JCBs & Rikshaws etc.)
Max. Loan Amount	75%
Margin	25%
Period	84 Months
ROI (Floating) Percentage p.a.	General: 10.45 Ambar Sakhi: 9.95
Security	Hypothecation of Vehicles
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose

For Higher Education (Degree / Diploma / Professional Course from approved Educational Institute / University)

Max. Loan Amount

Study in India : ₹ 10 Lakhs AND Study at Abroad : ₹ 20 Lakhs

Margin

25%

Period

60 Months or till completion of education / As per bank policy

ROI (Floating) Percentage p.a.

Before completion	After completion
General: 10.95	General: 11.95
Ambar Sakhi: 10.45	Ambar Sakhi: 11.45

Security

Upto ₹ 5/- Lakhs - No Collateral Security, Above ₹ 5/- Lakhs Immovable Properties

Guarantors

One or Two

Processing Fee

General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.

Collateral

As per Bank Policy

Share Amount

As Per Bank's Circular

Pre-Repayment Charges

No Pre-payment charges

Mode of Repayment

ECS/ PDC or Standing Instruction.

Purpose

For Higher Education (Degree / Diploma / Professional Course from approved Educational Institute / University)

Max. Loan Amount

Study in India : ₹ 10 Lakhs AND Study at Abroad : ₹ 20 Lakhs

Margin

25%

Period

As per bank policy

ROI (Floating) Percentage p.a.

Before completion	After completion
General: 10.95	General: 11.95
Ambar Sakhi: 10.45	Ambar Sakhi: 11.45

Security

Upto ₹ 5/- Lakhs - No Collateral Security, Above ₹ 5/- Lakhs Immovable Properties

Guarantors

One or Two

Processing Fee

General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.

Collateral

As per Bank Policy

Share Amount

As Per Bank's Circular

Pre-Repayment Charges

No Pre-payment charges

Mode of Repayment

ECS/ PDC or Standing Instruction.

Purpose	For Tours and Traveling (Foreign or Domestic)
Max. Loan Amount	₹ 5/- Lakhs
Margin	25%
Period	60 Months
ROI (Floating) Percentage p.a.	General: 10.95 Ambar Sakhi: 10.45
Security	N.A.
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	To Start a New Business or Expansion of Existing Business
Max. Loan Amount	₹ 5000/-
Margin	N.A.
Period	36 Months
ROI (Floating) Percentage p.a.	Ambar Sakhi: 8.95
Security	N.A.
Guarantors	N.A.
Processing Fee	Ambar Sakhi: N.A.
Collateral	N.A.
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	To Start a New Business or Expansion of Existing Business
Max. Loan Amount	₹ 25,000/-
Margin	N.A.
Period	36 Months (Review & Renew)
ROI (Floating) Percentage p.a.	General: - Ambar Sakhi: 8.95
Security	N.A.
Guarantors	One or Two
Processing Fee	General: N.A. Ambar Sakhi: N.A.
Collateral	N.A.
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	To Start a New Business or Expansion of Existing Business, Purchase Plot for Factory, Construction of Factrory Shed, Working Capital Limit etc
Max. Loan Amount	75%
Margin	25%
Period	120 Months
ROI (Floating) Percentage p.a.	General: 11.95 Ambar Sakhi: 11.45
Security	Mortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	Medical 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
Margin	As Applicable
Period	60 Months
ROI (Floating) Percentage p.a.	General: 10.95 Ambar Sakhi: 10.45
Security	Mortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	As per Bank Policy
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	Purchase Desktop , Computer / Laptop/ I - Pad,with Printer & other Accessories, TV, Fridge, LED, LCD, Consumer Durables ,Purchase Vehicles,etc.
Max. Loan Amount	₹ 1.00/- Lakhs
Margin	As Applicable
Period	24 / 36 / 48 / 60 Months
ROI (Floating) Percentage p.a.	General: 12.95 Ambar Sakhi: 12.45
Security	N.A.
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 1% On Loan Amount + GST as Applicable.
Collateral	Term & Conditions Apply
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	To Purchase Desktop Computer / Laptop / I - Pad with Printer & Other Accessories
Max. Loan Amount	₹ 1.00/- Lakhs
Margin	As Applicable
Period	60 Months
ROI (Floating) Percentage p.a.	Ambar Sakhi: 10.45
Security	N.A.
Guarantors	One or Two
Processing Fee	Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	Term & Conditions Apply
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	To start a New Business or Expansion of Small Business
Max. Loan Amount	₹ 30,000/-
Margin	25%
Period	24 Months
ROI (Floating) Percentage p.a.	General: 11.95 Ambar Sakhi: 11.45
Security	N.A.
Guarantors	One or Two
Processing Fee	General: N.A. Ambar Sakhi: N.A.
Collateral	N.A.
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	All 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)
Margin	25%	25%
Period	60 Months (Unsecured)	120 Months (Secured)
ROI (Floating) Percentage p.a.	General: 10.95 Ambar Sakhi: 10.45	General: 10.95 Ambar Sakhi: 10.45
Security	Unsecured Nil, Secured - Any Tangible ,Marketable Security except company shares
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	Term & Conditions Apply
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	To Fulfill all Types of Personal Needs
Max. Loan Amount	To the Extent of Existing Sanction Limit.
Margin	25%
Period	180 Months
ROI (Floating) Percentage p.a.	General: 9.95 Ambar Sakhi: 9.70
Security	Continuation of Existing Mortgage.
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	Term & Conditions Apply
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

Purpose	All 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)
Margin	25%	25%
Period	60 Months	120 Months
ROI (Floating) Percentage p.a.	General: 10.95 Ambar Sakhi: 10.45	General: 10.95 Ambar Sakhi: 10.45
Security	Unsecured - Nil	Secured - Any TANGIBLE, Marketable Security except company shares
Guarantors	One or Two
Processing Fee	General: 1% On Loan Amount + GST as Applicable. Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral	Term & Conditions Apply
Share Amount	As Per Bank's Circular
Pre-Repayment Charges	No Pre-payment charges
Mode of Repayment	ECS/ PDC or Standing Instruction.

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