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
1LT - POULTRY 9.85
2LT - SHEEP 9.85
3LT - GOAT 9.85
4LT - LS DEDS 9.85
5LT - OIL ENGINE 10.3
6LT - POWER TILLER 10.3
7LT - COMBINED HARVESTOR 10.3
8LT - CASHEW 9.85
9LT - WASTE LAND DEVELOP 9.85
10LT - RESCHEDULEMENT 9.85
11LT - RCF - DIRECT LOANS 11.5
12LT DIR-SHEEP 11.5
13LT DIR-DAIRY 11.5
14LT DIR-BBC 11.5
15LT DIR-FISHERIES 11.5
16LT DIR-POULTRY 11.5
17LT DIR-MINOR IRRIGATION 11.5
18LT DIR-SUBMERCIBLE PUMP 11.5
19LT DIR-ELECTRICIAL MOTOR 11.5
20LT DIR-PIPE LINE 11.5
21LT DIR-OIL ENGINE 11.8
22LT DIR-MANGO 11.8
23LT DIR-BANAN 11.5
24LT DIR-CITRUS 11.5
25LT DIR-HARVESTER 11.8
26LT DIR-CRUSHER 11.5
27LT DIR-MULTICROP THRESHER 11.5
28LT DIR-POWER TILLER 11.8
29LT DIR-SERICULTURE 11.5
30LT DIR-LAND DEVELOPMENT 11.5
31LT DIR-VERMICOMPOST 11.5
32LT DIR-SUBABUL 11.5
33LT DIR-CASURINA 11.5
34LT - OTHERS 9.85
35LT - MINOR IRRIGATION 9.85
36LT LN UNDER NABARD SCHEME 9.85
37LT RESC LN PACS AND PADB 9.85
39LT LOANS - DIRECT (RCF) 11.5
40LT-TRACTOR AND IMPLIMENTS 9.85
41LT - TWO WHEELER 9.85
42LT DIRECT - TRACTOR 11.5
43LT DIRECT - MINI TRACTOR 11.5
44LT DIRECT - TWO WHEELER 11.5
45PERSONAL LOANS TO IND 10
46PF LOANS TO SOCIETY STAFF 12
47FPO WORKING CAPITAL 11
48FISH FEED LOANS 13.5
49LOANS-DAIRY TIE UP LOANS 10.5
50LOANS-DAIRY TIE UP LOANS 10.5
51SPECIAL SHG LOAN-COVID 19 9
52SAAGU NESTHAM LOANS 7
53SHORT TERM - ALLIED ACT 7
54LOANS TO PACS-COMPOUND WA 12
55FPO TERM LOANS 10
56PM AWAS YOJANA LOANS 12
57S.T.NON-AGRL. LOANS (SC) 14
58PMMY(MUDRA) LOANS 11
59KAPU CORPORATION LOANS 13
60LOANS TO CUSTOM HIRING CE 9
61LOAN FOR VACANT SITES 10
62CC-APCOB CONSORTIUM-STREE 7.65
63PM SVANIDHI-STREET VENDOR 12
64JAGANANNA THODU-STREET 12
65YSR CHEYUTHA 12
66INVOKED BANK GUARANTEE 14
67CHC - ANIMAL HUSBANDRY 9
68SHORT TERM LOANS - SAO 5.75
69SHORT TERM LOANS - OPP 5.75
70S.T LN-SAO TO PACS R.O.I 6.25
71LN TO EMPL AND OTHER SOC 12
72CMEY LOANS 15
73LN TO MRKT SOC UNDER DCMS 6.75
74SWAYAM UPHADI PATHAKAM LN 14
75CONSUMER DURABLE LOANS 12
76ST LOANS - OTHERS 10
77ST NON AGRICU LTURAL LOANS 14
78CORONA KAVACH 10
79PACS AS MSC UNDER AIF 4
80AP AMUL PROJECT LT 9.5
81CHC - CLUSTER LEVEL 9
82SRS-WATERSHED-WADI 6.5
83SRS-WASH 8.7
84CC-FPG 11
85CC-FPG Above Rs 300000 11
86HOUSE CONST LOANS TO IND 8
87HOUSE BUILD REPAIR TO IND 10
88HOUSE MORTGAGE LN TO IND 10
89VEHICLE LOAN - PUBLIC 10
90STAFF VEHICLE LOANS 8
91EDUCATION LOANS-IND (SI) 10
92MPFC-Storage Godown -500M 4
93MPFC-Storage Godown -1000 4
94MPFC-Storage Godown -5000 4
95MPFC-Strge Godown -10000M 4
96MPFC-Cold room to PACS 4
97MPFC-Drying yard to PACS 4
98MPFC-Procurement Centers 4
99MPFC-Assaying Units to PA 4
100MPFC-Paddy Drier to PACS 4
101MPFC-Horticulture Collect 4
102MPFC-Cleaner and Destoner 4
103MPFC-Threshers to PACS 4
104GOLD LOANS UP TO 2.00 Lakhs 7
105Gold Loan above 2.00 lakh to 5.00lakh 7.15
106Gold Loan above 5.00 lakh to 10.00lakh 7.40
107KISAN GOLD LOAN 7
108GOLD LOAN ABOVE 10LAKHS 8
109LOAN AGNST DEP - ST MT LT 1% additional on Deposit ROI.
110LN AGNST NSC AND KISAN 14
111LOANS TO JLG 13
112JLG TERM LN OTHERS-PACS 12
113JLG TERM LN OTHERS-DIRECT 12
114JLG TERM LN OTHERS-STREET 13
115JLG TERM LN DAIRY-PACS 12
116JLG TERM LN DAIRY-DIRECT 12
117JLG ST LOANS - PACS 12
118JLG ST LOANS - DIRECT 12
119LOANS TO SELF HELP GROUPS 9
120MT LN TO RYTHU MITHRA GRP 11.25
121MT LOANS-BACK END SUBSIDY 12
122M T NON AGRI LOANS - ECCS 13
123MT NON AGRI LN-NON FARM S 12
124PERSONAL LOANS TO STAFF 10
125PERSONAL LAONS-BANK STAFF 9.5
126CORONA KAVACH - STAFF 8
127VEHICLE LN-2W TO BANK STF 8

CC/OD Loans:

S.NO LOAN TYPE RATE OF INTEREST
1CLEAN OVER DRAFT 8
2CASH CREDIT 11
3CC TO EMP SOC FOR DEP PURPOSE 14
4CC-MULTI SERVICE CENTERSCHEME 4
5CC TO SOCIETIES - AGRI ALLIED 8.75
6CC - ST OTHERS - SOCITIES 9.25
7CC - ST OTHERS - INDIVIDUALS 11
8LOANS TO CCA WEAVERS 9
9ST SAO - CKCC DIRECT LOANS 7
10CC-APCOB CONSORTIUM-STREENIDHI 7.65
11FPO ST OTHERS CC 11
12FPO ST OTHERS CC 11
13FPO ST OTHERS CC 11
14SPL LIQ FINANC-CKCC-GOLDLOANS 7
15LN TO TENANT FARMERS THRUPACS 5.75
16AP AMUL PROJECT CC 11.5
17SHORT TERM LOANS - SAO 5.75
18SHORT TERM LOANS - OPP 5.75
19S.T LN-ASAO TO PACS R.O.I 6.75
20CC - SELF HELP GROUPS 7
21CC-SELF HELP GROUPS-ABOVE 3 7
22CC-SELF HELP GROUPS-ABOVE 3 9

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 1LT
Consumer Durable loans
1LT - Others
1LT - Minor Irrigation
1LT LOANS Under NABARD Scheme
1LT Reschedulement Loans PACS and PADB NABARD
1LT Loans - Direct (RCF) (zero Bal in T.B.)
1LT - Poultry
1LT - Sheep
1LT - LS DEDS
1LT - Oil Engine
1LT - Tractor and Impliments
1LT - Power Tiller
1LT - Combined Harvestor
1LT - Two Wheeler
1LT - Waste Land Development
1LT - Reschedulement
1LT - RCF - Direct Loans
1LT (Direct) - Sheep
1LT (Direct) - Dairy
1LT Direct - Fisheries
1LT Direct - Poultry
1LT (Direct) - Minor Irrigation
1LT Direct - Oil Engine
1LT (Direct) - Farm Mechanization
1LT Direct - Multicrop Thresher
1LT Direct - Sericulture
1LT Direct - Land Development
Short Term Loans - SAO
Short Term Loans - OPP
Short Term Loans - SAO to PACS @ Specified R.O.I