Loans & Advances

A loan is the act of giving money, property or other material goods to another party in exchange for future repayment of the principal amount along with interest or other finance charges. Advances are the source of finance, which is provided by the Banks to meet the short-term financial requirements in terms of a credit facility which should be repaid within one year.


VARIOUS LOAN PRODUCTS OFFERED BY US:


S.NO LOAN TYPE RATE OF INTEREST
1 GL LOAN(AGL) UPTO 1.00 Lk 8.00
2 GL LOAN(AGL) 1 TO 2 LKS 8.25
3 LT - POULTRY 9.85
4 LT - SHEEP 9.85
5 LT - GOAT 9.85
6 LT - LS DEDS 9.85
7 LT - OIL ENGINE 10.30
8 LT - POWER TILLER 10.30
9 LT - COMBINED HARVESTOR 10.30
10 LT - CASHEW 9.85
11 LT - WASTE LAND DEVELOP 9.85
12 LT - RESCHEDULEMENT 9.85
13 LT - RCF - DIRECT LOANS 11.50
14 LT DIR-SHEEP 11.50
15 LT DIR-DAIRY 11.50
16 LT DIR-BBC 11.50
17 LT DIR-FISHERIES 11.50
18 LT DIR-POULTRY 11.50
19 LT DIR-MINOR IRRIGATION 11.50
20 LT DIR-SUBMERCIBLE PUMP 11.50
21 LT DIR-ELECTRICIAL MOTOR 11.50
22 LT DIR-PIPE LINE 11.50
23 LT DIR-OIL ENGINE 11.80
24 LT DIR-MANGO 11.80
25 LT DIR-BANAN 11.50
26 LT DIR-CITRUS 11.50
27 LT DIR-HARVESTER 11.80
28 LT DIR-CRUSHER 11.50
29 LT DIR-MULTICROP THRESHER 11.50
30 LT DIR-POWER TILLER 11.80
31 LT DIR-SERICULTURE 11.50
32 LT DIR-LAND DEVELOPMENT 11.50
33 LT DIR-VERMICOMPOST 11.50
34 LT DIR-SUBABUL 11.50
35 LT DIR-CASURINA 11.50
36 LT - OTHERS 9.85
37 LT - MINOR IRRIGATION 9.85
38 LT LN UNDER NABARD SCHEME 9.85
39 LT RESC LN PACS AND PADB 9.85
40 LT LOANS - DIRECT (RCF) 11.50
41 LT-TRACTOR AND IMPLIMENTS 9.85
42 LT - TWO WHEELER 9.85
43 LT DIRECT - TRACTOR 11.50
44 LT DIRECT - MINI TRACTOR 11.50
45 LT DIRECT - TWO WHEELER 11.50
46 PERSONAL LOANS TO IND 12.00
47 PF LOANS TO SOCIETY STAFF 12.00
48 FPO WORKING CAPITAL 11.00
49 FISH FEED LOANS 13.50
50 LOANS-DAIRY TIE UP LOANS 10.50
51 LOANS-DAIRY TIE UP LOANS 10.50
52 SPECIAL SHG LOAN-COVID 19 9.00
53 SAAGU NESTHAM LOANS 7.00
54 SHORT TERM - ALLIED ACT 7.00
55 LOANS TO PACS-COMPOUND WA 12.00
56 FPO TERM LOANS 11.00
57 PM AWAS YOJANA LOANS 9.50
58 S.T.NON-AGRL. LOANS (SC) 14.00
59 PMMY(MUDRA) LOANS 11.00
60 KAPU CORPORATION LOANS 13.00
61 LOANS TO CUSTOM HIRING CE 12.00
62 LOAN FOR VACANT SITES 11.50
63 VACANT SITE 11.50
64 CC-APCOB CONSORTIUM-STREE 7.65
65 PM SVANIDHI-STREET VENDOR 12.00
66 JAGANANNA THODU-STREET 12.00
67 YSR CHEYUTHA 12.00
68 INVOKED BANK GUARANTEE 14.00
69 CHC - ANIMAL HUSBANDRY 12.00
70 Short Term-KCC ANIMAL HUS 7.00
71 SHORT TERM LOANS - SAO 5.75
72 SHORT TERM LOANS - OPP 5.75
73 S.T LN-SAO TO PACS R.O.I 6.25
74 LN TO EMPL AND OTHER SOC 12.00
75 CMEY LOANS 15.00
76 LN TO MRKT SOC UNDER DCMS 6.75
77 SWAYAM UPHADI PATHAKAM LN 14.00
78 CONSUMER DURABLE LOANS 12.00
79 ST LOANS - OTHERS 10.00
80 ST NON AGRICULTURAL LOANS 14.00
81 CORONA KAVACH 10.00
82 PACS AS MSC UNDER AIF 4.00
83 AP AMUL PROJECT LT 9.50
84 CHC - CLUSTER LEVEL 12.00
85 SRS-WATERSHED-WADI 6.50
86 SRS-WASH 11.00
87 CC-FPG 11.00
88 SRS - WASH 11.00
89 CC-FPG Above Rs 300000 11.00
90 FISH ANDHRA TERM LOAN 10.00
91 PMFME-MICRO FOOD PROCESSI 14.00
92 APCOB HOUSE CONSORTIUM 9.50
93 HOUSE CONST LOANS TO IND 9.50
94 HOUSE BUILD REPAIR TO IND 11.50
95 HOUSE MORTGAGE LN TO IND 11.50
96 HOUSE MORTGAGE 11.50
97 HOUSE CONSTRUCTION COMMER 10.50
98 HOUSE CONSORTIUM 9.50
99 VEHICLE LOAN - PUBLIC 9.50
100 STAFF VEHICLE LOANS 8.00
101 EDUCATION LOANS-IND (SI) 10.00
102 MPFC-Storage Godown -500M 4.00
103 MPFC-Storage Godown -1000 4.00
104 MPFC-Storage Godown -5000 4.00
105 MPFC- Storage Godown -10000M 4.00
106 MPFC-Cold room to PACS 4.00
107 MPFC-Drying yard to PACS 4.00
108 MPFC-Procurement Centers 4.00
109 MPFC-Assaying Units to PA 4.00
110 MPFC-Paddy Drier to PACS 4.00
111 MPFC-Horticulture Collect 4.00
112 MPFC-Cleaner and Destoner 4.00
113 MPFC-Threshers to PACS 4.00
114 GOLD LOANS 8.60
115 KISAN GOLD LOAN 8.00
116 GOLD LOAN ABOVE 10LAKHS 9.50
117 GOLD LOAN ABOVE 5 LAKHS - 9.00
118 GOLD LOANS - ABOVE2 LAKHS 8.75
119 KISAN GOLD LOAN UP TO 5 L 8.65
120 Kisan Gold Loan abv 5 lkh 8.75
121 LOAN AGNST DEP - ST MT LT 0.00
122 LN AGNST NSC AND KISAN 14.00
123 LOANS TO JLG 12.50
124 JLG TERM LN OTHERS-PACS 12.50
125 JLG TERM LN OTHERS-DIRECT 12.50
126 JLG TERM LN OTHERS-STREET 12.50
127 JLG TERM LN DAIRY-PACS 12.50
128 JLG TERM LN DAIRY-DIRECT 12.50
129 JLG ST LOANS - PACS 12.50
130 JLG ST LOANS - DIRECT 12.50
131 LOANS TO SELF HELP GROUPS 9.00
132 MT LN TO RYTHU MITHRA GRP 11.25
133 MT LOANS-BACK END SUBSIDY 12.00
134 M T NON AGRI LOANS - ECCS 13.00
135 MT NON AGRI LN-NON FARM S 14.00
136 PERSONAL LOANS TO STAFF 12.00
137 PERSONAL LAONS-BANK STAFF 8.00
138 CORONA KAVACH - STAFF 8.00
139 VACANT SITE FOR STAFF 8.00
140 HOUSE MORTGAGE TO STAFF 8.00
141 HOUSE CONSTRUCTION FR STF 8.00
142 HOUSE REPAIR FOR STAFF 8.00
143 VEHICLE LN-2W TO BANK STF 8.00
144 RECALLED ASSET 0.00

Cash Credit & Over Draft Loans:

S.NO LOAN TYPE RATE OF INTEREST
1 CLEAN OVER DRAFT 8.00
2 CASH CREDIT 11.00
3 CC TO EMP SOC FOR DEP PURPOSE -
4 CC-MULTI SERVICE CENTER SCHEME 4.00
5 CC TO SOCIETIES - AGRI ALLIED 12.00
6 CC - ST OTHERS - SOCITIES 12.00
7 CASH CREDIT TO PACS-AGRI ALLIE 12.00
8 CC - ST OTHERS - INDIVIDUALS 12.75
9 LOANS TO CCA WEAVERS 9.00
10 ST SAO - CKCC DIRECT LOANS -
11 CC-APCOB CONSORTIUM-STREENIDHI 8.50
12 FPO ST OTHERS CC 11.00
13 LN TO TENANT FARMERS THRU PACS 7.00
14 AP AMUL PROJECT CC -
15 SHORT TERM LOANS - SAO 5.75
16 SHORT TERM LOANS - OPP 5.75
17 S.T LN-ASAO TO PACS R.O.I 6.75
18 FISH ANDHRA WORKING CAP LOAN 10.00
19 CC - SELF HELP GROUPS - Upto 3 Lakh 7.00
20 CC-SELF HELP GROUPS- From 3 Lakh to 5 lakh 8.00
21 CC-SELF HELP GROUPS-ABOVE 5 Lakh 9.00
22 MEPMA -SHG Upto 3 Lakh 7.00
23 MEPMA -SHG From 3 Lakh to 5 lakh 8.00
24 MEPMA -SHG ABOVE 5 Lakh 9.00
25 SHG-DRDA Upto 3 Lakh 7.00
26 SHG-DRDA From 3 Lakh to 5 lakh 8.00
27 SHG-DRDA ABOVE 5 Lakh 9.00

Total List of Various Loan Products offered by our Bank:


S.NO LOAN TYPE S.NO LOAN TYPE S.NO LOAN TYPE
1 GL LOAN(AGL) UPTO 1.00 Lk 50 LOANS-DAIRY TIE UP LOANS 99 STAFF VEHICLE LOANS
2 GL LOAN(AGL) 1 TO 2 LKS 51 LOANS-DAIRY TIE UP LOANS 100 EDUCATION LOANS-IND (SI)
3 LT - POULTRY 52 SPECIAL SHG LOAN-COVID 19 101 MPFC-Storage Godown -500M
4 LT - SHEEP 53 SAAGU NESTHAM LOANS 102 MPFC-Storage Godown -1000
5 LT - GOAT 54 SHORT TERM - ALLIED ACT 103 MPFC-Storage Godown -5000
6 LT - LS DEDS 55 LOANS TO PACS-COMPOUND WA 104 MPFC-StrgeGodown -10000M
7 LT - OIL ENGINE 56 FPO TERM LOANS 105 MPFC-Cold room to PACS
8 LT - POWER TILLER 57 PM AWAS YOJANA LOANS 106 MPFC-Drying yard to PACS
9 LT - COMBINED HARVESTOR 58 S.T.NON-AGRL. LOANS (SC) 107 MPFC-Procurement Centers
10 LT - CASHEW 59 PMMY(MUDRA) LOANS 108 MPFC-Assaying Units to PA
11 LT - WASTE LAND DEVELOP 60 KAPU CORPORATION LOANS 109 MPFC-Paddy Drier to PACS
12 LT - RESCHEDULEMENT 61 LOANS TO CUSTOM HIRING CE 110 MPFC-Horticulture Collect
13 LT - RCF - DIRECT LOANS 62 LOAN FOR VACANT SITES 111 MPFC-Cleaner and Destoner
14 LT DIR-SHEEP 63 VACANT SITE 112 MPFC-Threshers to PACS
15 LT DIR-DAIRY 64 CC-APCOB CONSORTIUM-STREE 113 GOLD LOANS
16 LT DIR-BBC 65 PM SVANIDHI-STREET VENDOR 114 KISAN GOLD LOAN
17 LT DIR-FISHERIES 66 JAGANANNA THODU-STREET 115 GOLD LOAN ABOVE 10LAKHS
18 LT DIR-POULTRY 67 YSR CHEYUTHA 116 GOLD LOAN ABOVE 5 LAKHS -
19 LT DIR-MINOR IRRIGATION 68 INVOKED BANK GUARANTEE 117 GOLD LOANS - ABOVE2 LAKHS
20 LT DIR-SUBMERCIBLE PUMP 69 CHC - ANIMAL HUSBANDRY 118 KISAN GOLD LOAN UP TO 5 L
21 LT DIR-ELECTRICIAL MOTOR 70 Short Term-KCC ANIMAL HUS 119 Kisan Gold Loan abv 5 lkh
22 LT DIR-PIPE LINE 71 SHORT TERM LOANS - SAO 120 LOAN AGNST DEP - ST MT LT
23 LT DIR-OIL ENGINE 72 SHORT TERM LOANS - OPP 121 LN AGNST NSC AND KISAN
24 LT DIR-MANGO 73 S.T LN-SAO TO PACS R.O.I 122 LOANS TO JLG
25 LT DIR-BANAN 74 LN TO EMPL AND OTHER SOC 123 JLG TERM LN OTHERS-PACS
26 LT DIR-CITRUS 75 CMEY LOANS 124 JLG TERM LN OTHERS-DIRECT
27 LT DIR-HARVESTER 76 LN TO MRKT SOC UNDER DCMS 125 JLG TERM LN OTHERS-STREET
28 LT DIR-CRUSHER 77 SWAYAM UPHADI PATHAKAM LN 126 JLG TERM LN DAIRY-PACS
29 LT DIR-MULTICROP THRESHER 78 CONSUMER DURABLE LOANS 127 JLG TERM LN DAIRY-DIRECT
30 LT DIR-POWER TILLER 79 ST LOANS - OTHERS 128 JLG ST LOANS - PACS
31 LT DIR-SERICULTURE 80 ST NON AGRICULTURAL LOANS 129 JLG ST LOANS - DIRECT
32 LT DIR-LAND DEVELOPMENT 81 CORONA KAVACH 130 LOANS TO SELF HELP GROUPS
33 LT DIR-VERMICOMPOST 82 PACS AS MSC UNDER AIF 131 MT LN TO RYTHU MITHRA GRP
34 LT DIR-SUBABUL 83 AP AMUL PROJECT LT 132 MT LOANS-BACK END SUBSIDY
35 LT DIR-CASURINA 84 CHC - CLUSTER LEVEL 133 M T NON AGRI LOANS - ECCS
36 LT - OTHERS 85 SRS-WATERSHED-WADI 134 MT NON AGRI LN-NON FARM S
37 LT - MINOR IRRIGATION 86 SRS-WASH 135 PERSONAL LOANS TO STAFF
38 LT LN UNDER NABARD SCHEME 87 CC-FPG 136 PERSONAL LAONS-BANK STAFF
39 LT RESC LN PACS AND PADB 88 SRS - WASH 137 CORONA KAVACH - STAFF
40 LT LOANS - DIRECT (RCF) 89 CC-FPG Above Rs 300000 138 VACANT SITE FOR STAFF
41 LT-TRACTOR AND IMPLIMENTS 90 FISH ANDHRA TERM LOAN 139 HOUSE MORTGAGE TO STAFF
42 LT - TWO WHEELER 91 PMFME-MICRO FOOD PROCESSI 140 HOUSE CONSTRUCTION FR STF
43 LT DIRECT - TRACTOR 92 APCOB HOUSE CONSORTIUM 141 HOUSE REPAIR FOR STAFF
44 LT DIRECT - MINI TRACTOR 93 HOUSE CONST LOANS TO IND 142 VEHICLE LN-2W TO BANK STF
45 LT DIRECT - TWO WHEELER 94 HOUSE BUILD REPAIR TO IND 143 VEHICLE LOAN - PUBLIC
46 PERSONAL LOANS TO IND 95 HOUSE MORTGAGE LN TO IND
47 PF LOANS TO SOCIETY STAFF 96 HOUSE MORTGAGE
48 FPO WORKING CAPITAL 97 HOUSE CONSTRUCTION COMMER
49 FISH FEED LOANS 98 HOUSE CONSORTIUM