Products: Loan & Advances Schemes

Affordable Credit To Turn Dreams Into Reality

Empowering families and entrepreneurs across Bhopal with 19 tailored loan schemes — from Housing Loans at 8.25% and Vehicle Loans to Doctors, Solar, Gold, and Business financing.

Calculate Monthly EMI ↓ View Full 2026-27 Rate Card →
Interactive Financial Tool

Loan EMI Calculator

Plan your monthly budget with precision. Adjust loan amount, interest rate, and tenure to see immediate monthly EMI and repayment breakdown.

Loan Amount (₹) ₹ 25,00,000
₹25,000 Max ₹52.70 Lakh
Interest Rate (% p.a.) 8.25 %
8.25% (Housing/Car) 19.5% (Personal/MSME)
Loan Tenure (Years) 15 Years
1 Year 20 Years (Max)
Quick Scheme Presets:
Estimated Monthly EMI
₹ 24,258
Principal Amount
Total Interest
Principal Amount
₹ 25,00,000
Total Interest Payable
₹ 18,66,440
Total Amount (Principal + Interest)
₹ 43,66,440
Enquire Loan on WhatsApp (9109100751) →
Schemes Portfolio

All 19 Loan & Advances Schemes

Tailored terms, simple documentation, and fast processing for members.

1. Housing, Vehicle & Mortgage Loans

8.25% - 10.25%

1. Housing Loan (आवास ऋण)

Purchase, construction, or extension of residential homes and flats. Special rates for government & corporate employees (9.00%).

Max Tenure: 20 Years • Max Limit: ₹ 52.70 Lakh
8.25% - 9.30%

2. Vehicle Loan (4 Wheeler Car Loan)

Drive your dream car with minimal down payment, transparent processing, and competitive interest rate.

Max Tenure: 10 Years • Max Limit: ₹ 52.70 Lakh
12.00%

3. Vehicle Loan (2 Wheeler Loan)

Convenient financing for scooters and motorcycles for working women, students, and family convenience.

Max Tenure: 05 Years • Max Limit: ₹ 2.00 Lakh
9.30% - 12.30%

4. Loan Against Property / बंधक ऋण

Unlock liquidity against your commercial or residential property for business expansion or personal needs.

Max Tenure: 20 Years • Max Limit: ₹ 52.70 Lakh
14.50% - 19.50%

5. Personal Loan (व्यक्तिगत ऋण)

Quick collateral-free personal loans for weddings, travel, medical emergencies, and consumer durables.

Max Tenure: 05 Years • Max Limit: Up to ₹ 2.00 Lakh
13.50%

6. Housing Loan to Urban Poor

Special credit facility for economically weaker sections (EWS) to acquire or repair shelter.

Max Tenure: 05 Years • Max Limit: ₹ 2.00 Lakh

2. Business, SME & Commercial Schemes

13.00%

7. Business Loan (व्यवसाय ऋण)

Working capital and business expansion term loans for retailers, wholesale distributors, and manufacturers.

Max Tenure: 05 Years • Max Limit: ₹ 10.00 Lakh
14.50% - 19.50%

8. Business Loan To Traders (BLTDR)

Special short-term and medium-term credit lines designed for local merchants and women shopkeepers.

Max Tenure: 05 Years • Max Limit: ₹ 2.00 Lakh
12.50%

9. Loan for Purchase of Shop (दुकान क्रय)

Finance the purchase of commercial retail shops, offices, or showrooms to own your business premises.

Max Tenure: 15 Years • Max Limit: ₹ 52.70 Lakh
18.25% - 19.50%

10. Small Micro Finance & MSME

MSME SL1 & SL2 loans for cottage industries, handicraft units, tailors, and micro-enterprises.

Max Tenure: 01 Year • Max Limit: ₹ 2.00 Lakh
12.75%

11. Small Road Transport Operators

Financing for 3-wheeler auto rickshaws and light commercial goods carriers to foster self-employment.

Max Tenure: 05 Years • Max Limit: ₹ 10.00 Lakh
Cash Credit

12. Cash Credit (CC) Hypothecation of Stock

Revolving credit facility against hypothecation of trading inventory, raw materials, and receivables.

Renewal: Annual Review • Interest: Competitive on utilized amount

3. Special Schemes: Doctors, Solar, Gold & Education

Special Rate: 8.50%

13. Loans to Doctors & Professionals

Preferred low-rate credit for medical practitioners, clinics, diagnostic centers, CAs, and architects.

Max Tenure: 07 Years • Max Limit: ₹ 52.70 Lakh
Instant: 11.50%

14. Gold Loan (स्वर्ण आभूषण ऋण)

Instant liquidity against gold jewellery. Fast appraisal, safe bank locker custody, and minimal paperwork.

Max Tenure: 01 Year • Max Limit: ₹ 2.00 Lakh
12.00%

15. Education Loan (शिक्षा ऋण)

Simple interest charged till course completion / EMI starts. Covers college fees, hostel, and books.

Max Tenure: 15 Years • Limit: Up to 75% of Course Fees
Green Energy: 10.50%

16. Solar Energy Plant (Domestic)

Install rooftop solar panels at your residence. Lower your electricity bills to zero with green energy.

Max Tenure: 03 Years • Max Limit: ₹ 5.00 Lakh
13.00%

17. Solar Energy Plant (Commercial)

Large commercial solar installations for factories, hospitals, commercial complexes, and institutions.

Max Tenure: 05 Years • Max Limit: ₹ 25.00 Lakh
+2% on Deposit

18. Loan & Overdraft against FDR

Avail loan without breaking your fixed deposit. Retain your maturity interest while fulfilling urgent needs.

Tenure: Up to Maturity • Limit: Up to 90% of Deposit
12.00%

19. Loan Against Daily Deposit

Borrow up to 90% against your accumulated daily deposit savings with prompt sanction.

Tenure: Till Deposit Maturity • Rate: 12.00% p.a.