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.


LOAN INTEREST RATES:


S.NO LOAN TYPE RATE OF INTEREST
1 Gold Loans 8.50
2 Gold Loans - Above2 Lakhs 8.50
3 Express Gold Loans - 1 Year 10.00
4 Kisan Gold Loan 7.00
5 Special Liquidity Finance-CKCC-Gold Loans 7.00
6 Loans to Tenant Farmers Through PACS 5.75
7 MT Loans To Rythu MithraGroup 11.25
8 Fish Feed Loans 13.50
9 Loans - Dairy Tie Up Loans 10.50
10 Loans to Self Help Groups 11.25
11 Saagu Nestham Loans to Groups thru Branch 7.00
12 JLG Term Loan Others -PACS 12.00
13 JLG Term Loan Others -DIRECT 11.00
13A JLG Term Loan Others- Street Vendors 13.00
14 JLG Term Loan Dairy - PACS
15 JLG Term Loan Dairy - DIRECT 12.00
16 FPO Term Loans 9.25
17 Education Loans - Individuals (Simple Interest) 9.75
18 Pradhan Mantri Awas Yojana Loans 12.00
19 House Construction LoansTo Individuals 9.00
20 House and Building RepairLoans To Individuals 12.00
21 House Mortgage Loans To Individuals 12.00
22 S.T.Non-Agrl. Loans (Schedule Caste) 14.00
23 Vehicle Loan - Public 11.75
24 PMMY(MUDRA) LOANS 13.00
25 Kapu Corporation Loans 13.00
26 Personal Loans To Staff 11.50
27 Personal Loans To Individuals 12.00
28 LOAN FOR VACANT SITES 11.00
29 PM SVANidhi-Street Vendors 12.00
30 Jagananna thodu -Street Vendor Loans 12.00
31 Loans To Employees and Other Societies 12.00
32 CMEY Loans 15.00
33 Loans to Joint LiabilityGroups 13.00
34 Loans To Marketing Societies Under DCMS
35 Swayam Uphadi Pathakam Loans
36 ST Loans - Others (GL BASED)
37 ST Non Agricultural Loans
38 MT Loans - Back End Subsidy
39 M T Non Agricultural Loans - ECCS
40 MT Non Agri Loans - Non farm sector
41 Loan against Deposits - ST MT LT Deposit RoI + 1%
42 Consumer Durable loans
43 LT - Others
44 LT - Minor Irrigation
45 LT LOANS Under NABARD Scheme
46 LT Reschedulement Loans PACS and PADB NABARD
47 LT Loans - Direct (RCF) (zero Bal in T.B.)
48 LT - Poultry 7.90
49 LT - Sheep 7.75
50 LT - LS DEDS 7.75
51 LT - Oil Engine 7.90
52 LT - Tractor and Impliments 7.90
53 LT - Power Tiller 7.90
54 LT - Combined Harvestor 7.90
55 LT - Two Wheeler 7.75
56 LT - Waste Land Development 7.75
57 LT - Reschedulement 5.70
58 LT - RCF - Direct Loans 7.20
59 LT (Direct) - Sheep 9.25
60 LT (Direct) - Dairy 9.25
61 LT Direct - Fisheries 9.25
62 LT Direct - Poultry 9.25
63 LT (Direct) - Minor Irrigation 9.25
64 LT Direct - Oil Engine 9.40
65 LT (Direct) - Farm Mechanization 9.40
66 LT Direct - Multicrop Thresher 9.40
67 LT Direct - Sericulture 9.25
68 LT Direct - Land Development 9.25
69 Short Term Loans - SAO 5.75
70 Short Term Loans - OPP 5.75
71 Short Term Loans - SAO to PACS @ Specified R.O.I 6.00

VARIOUS LOAN PRODUCTS OFFERED BY US:


Gold Loans
Gold Loans - Above2 Lakhs
Express Gold Loans - 1 Year
Kisan Gold Loan
Special Liquidity Finance-CKCC-Gold Loans
Loans to Tenant Farmers Through PACS
MT Loans To Rythu MithraGroup
Fish Feed Loans
Loans - Dairy Tie Up Loans
Loans to Self Help Groups
Saagu Nestham Loans to Groups thru Branch
JLG Term Loan Others -PACS
JLG Term Loan Others -DIRECT
JLG Term Loan Others- Street Vendors
JLG Term Loan Dairy - PACS
JLG Term Loan Dairy - DIRECT
FPO Term Loans
Education Loans - Individuals (Simple Interest)
Pradhan Mantri Awas Yojana Loans
House Construction LoansTo Individuals
House and Building RepairLoans To Individuals
House Mortgage Loans To Individuals
S.T.Non-Agrl. Loans (Schedule Caste)
Vehicle Loan - Public
PMMY(MUDRA) LOANS
Kapu Corporation Loans
Personal Loans To Staff
Personal Loans To Individuals
LOAN FOR VACANT SITES
PM SVANidhi-Street Vendors
Jagananna thodu -Street Vendor Loans
Loans To Employees and Other Societies
CMEY Loans
Loans to Joint LiabilityGroups
Loans To Marketing Societies Under DCMS
Swayam Uphadi Pathakam Loans
ST Loans - Others (GL BASED)
ST Non Agricultural Loans
MT Loans - Back End Subsidy
M T Non Agricultural Loans - ECCS
MT Non Agri Loans - Non farm sector
Loan against Deposits - ST MT LT
Consumer Durable loans
LT - Others
LT - Minor Irrigation
LT LOANS Under NABARD Scheme
LT Reschedulement Loans PACS and PADB NABARD
LT Loans - Direct (RCF) (zero Bal in T.B.)
LT - Poultry
LT - Sheep
LT - LS DEDS
LT - Oil Engine
LT - Tractor and Impliments
LT - Power Tiller
LT - Combined Harvestor
LT - Two Wheeler
LT - Waste Land Development
LT - Reschedulement
LT - RCF - Direct Loans
LT (Direct) - Sheep
LT (Direct) - Dairy
LT Direct - Fisheries
LT Direct - Poultry
LT (Direct) - Minor Irrigation
LT Direct - Oil Engine
LT (Direct) - Farm Mechanization
LT Direct - Multicrop Thresher
LT Direct - Sericulture
LT Direct - Land Development
Short Term Loans - SAO
Short Term Loans - OPP
Short Term Loans - SAO to PACS @ Specified R.O.I