The Bank offers the following attractive loan schemes to individuals who are its customers.

CLEAN OVERDRAFT

Overdrafts on Current Accounts are provided to the customers upto five times their net salary against a simple surety of employees/employers undertaking.

SECURED OVERDRAFT

Secured overdrafts on current accounts are provided to customers against the security of National Saving Certificates, Kisan Vikas Patras, as also against the security of urban immovable property.

GOLD LOANS

Customers can avail of Gold Loans against pledge of gold ornaments at all branches of the Bank.

CONSUMER DURABLE LOANS

The Bank provides loans for purchase of consumer durables to its customers for buying of items like TV, Refrigerator, Air Conditioners and a host of other consumer durables.

EDUCATION LOANS

Under the Vidya Vikasa Vardhini Scheme, the Bank is providing loans to students/parents of students for pursuing professional courses like Engineering, Medicine, Computer Education and other courses including technical courses/job oriented courses. The loan is repayable at attractive rate of interest and easy repayment period.

CAR FINANCE

Finance for purchase of cars is provided to professionals and self employed entrepreneurial and salaried customers of the Bank for their personal use at attractive rates of interest and repayment period ranging upto 60 months.

AUTO FINANCE

The Bank provides finance to unemployed persons for self employment purpose by providing commercial vehicles like Auto rickshaws etc. The loan is provided against two sureties.

TRADERS FINANCE

Loans are provided to wholesale/retail traders and businessmen engaged in trade activity for running their business on furnishing of collateral security and on pledge of stocks. This facility is extended in the nature of cash credit limit for facilitating continuous operation based on the day-to-day business needs.

HOUSING FINANCE

The Bank offers attractive Housing Loan Scheme both for construction or purchase of a new house/flat as also for purposes of reapirs and extension to existing house. Comfortable repayment period for the loan is provided.

REAL ESTATE MORTGAGE LOAN

Loan facility is provided against mortgage of fixed assets/property for purchase of house, house construction, house repairs, business, higher studies, and health care, at attractive rates of interest and comfortable repayment period.