Eligibility & Criteria : Applicant must have National Savings Certificate with own name. Applicant should be Shares Holder or Nominal Member of the Bank. Loan Mortgage : National Savings Certificate kept as a mortgage for the above loan Loan Amount Under 1 year - No loan will be sanction Between 1 to 2 year - 40% of Book value Between 2 to 3 year - 60% of Book value above 3 year – 80% of Book value Difference : Above 1 year - 60% Above 2 year - 40% Above 3 year - 20% Interest rate & Calculations Interest calculation is depend on monthly basis and Interest rate will be depend on norms of RBI and the decision taken by the board of directors of bank. Repayment Interest amount of each month will be paid upto 10th of next month. Principal amount will be paid with equal installment within year If cash credit sanctioned against NSC mortgage then the cash credit limited is for one year with respective the NSC If the account is regular then applicant can renew his account with the repayment of old dues

We provide you loan against your gold jewelery and ornaments. Our gold mortgage loan is Easy, convenient with competitive mortgage rates, combined with the assistance of an experienced loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs. Bank gives loan upto 60 to 70 % o the gold ornaments certified by the approved valuator of the Bank. Eligibility : Applicant should be Shares Holder or Nominal Member of the Bank No loan will be sanction except gold ornaments Applicant should be present pledge letter regarding he is owner of the gold ornaments and he is authorized person to mortgage of the same Mortgage : Applicant should be filled loan application of bank neatly with introduction of bank Shares Holders, passport photograph, photo copy of Ration Card & Address Prof Loan is sanction only for original gold ornaments or purity of gold is upto 80%. The value of gold ornaments is to be valuated by authorized valuator of the Bank. Valuation depends on the market rate and it will get certified. The fees of valuator is to be paid by applicant (tentatively Rs.14000/- loan will be sanction of the pure 10gms certified ornaments) Mortgage ornaments will be properly sealed with applicant & loan details including signature of applicant, bank officer & Valuator. After repayment of loan dues applicant should present the receipt of mortgage ornaments which is provided by Bank at the time of delivery of ornaments. Bank has all rights to take decision regarding the same All the rights reserve with Bank regarding sanctioning / not sanctioning of loan Loan Limit : Loan limit is depend on the valuation provide by the valuator. Loan amount will be 50% of gold valuation. Also it depends on market rate and the decision of Board of Directors of Bank. Gold mortgage loan is not applicable below Rs.1,000/-

Eligibility : Applicant should be a Shares Holder of the Bank. Applicant should have minimum three month operative account with good transaction. Above loan is applicable for all new two wheelers and four wheelers having manufacturing date less than five year. The loan is applicable for vehicles like Scooter, Motor Bike, Riksha, Taxi, Jeep, truck, etc. In case of partnership firm, all the documents is signed by partners and partner and partnership firm should be Shares Holder of the Bank. For Loan : Purchased Vehicle Three Guarantors who are filing IT return and they should not be defaulter. More than one vehicle is applicable for the loan amount more than Rs.50,000/- Loan Limit : Loan amount sanctioning decision is dependent on the of Board of the Directors Loan amount is applicable for new vehicle is upto 75% of valuation (excluding insurance & Taxes). Not applicable for two wheeler Upto 5 years old vehicle loan amount will be 35% valuation and no loan will be sanction for more than 5 years old vehicle Vehicle mortgage loan is not applicable for old two wheelers Loan amount is applicable for two wheeler new vehicle is upto 85% of valuation (For Shares Holder & Nominal Member) Difference Amount : Applicant should pay 25% of amount for new four wheeler vehicle Applicant should pay 15% of amount for new Two Wheeler vehicle Interest rate & Calculations Interest calculation is on compounding basis and Interest rate will be depend on norms of RBI and the decision taken by the board of directors of bank. 2% additional penal interest for pending amount Repayment Loan repayment period for two wheelers is 4 years & for four wheeler it is 5 year. Loan will be repaid by equal monthly installments with interest. For salaried person monthly installment will be deducted from monthly salary & he has to present letter regarding to the same. Also applicant should submit 10 cheques to bank along with application. All the expense like telephone, postage, visits fees, etc will be directly charged to applicant. Terms & Conditions : One Share holder is not applicable for more than three applicant as a guarantor. All rights are reserve with Board of directors regarding the same In case of vehicle loan on firm name, applicant should have all legal documents on his name All guarantor are equally responsible for applied loan. No guarantor will be exchange before closing of loan Insurance will be on the joint name of applicant and bank. Applicant will be responsible to renew the same or applicant will give in writing in case of Bank will pays the same. Bank name will be written in oil paint on all vehicles except two wheelers Bank is not responsible in the case of vehicle accident and loss of vehicle After issuing of loan for two wheeler Rs. 1000/-, for three wheeler Rs.2000/- and for four wheeler Rs. 5000/- will be kept as deposit with bank till receipt of required documents. After receiving of the same this amount will be transfer to loan account Bank will make the inspection of loan vehicle between every three months and applicant has to bring it at Bank for inspection Applicant has no rights to sale, exchange, mortgage, etc regarding loan vehicle before repayment the loan. If he does the same, Bank is liable to take serious action against the applicant Duplicate key of vehicle, R.C. Book, insurance Policy, etc will have to be given to Bank. Applicant should sign the RTO forms like Form No. 20,29,28,29,30,32,34,35 and 96 Applicant will have to keep 2.5% as a shares and deposit if necessary. Applicant should pay processing fees as per rules. If applicant breaks terms, condition & rules decided by the Bank then Bank will recover all due from applicant . After sanctioning of loan amount the applicant should withdraw loan amount within three months else he has to applicable for new loan process or he will be treated as a fresh applicant If applicant fails to repay the same loan or if applicant is continuous defaulter for three month, then Bank will all rights to auction particular vehicle. Bank will recover all dues from this auction. If auction amount is more than dues, remaining amount will be transfer to saving account of particular applicant. If auction amount is less than dues than pending amount will be recover from the guarantor of applicant. Bank will have all rights to file legal matter regarding the same and for that all responsibility is on the applicant & guarantor in any respect

For purchase of new machinery Eligibility : Applicant should have minimum three month operative account with good transaction. Mortgage for Loan : Details for Machinery ( Age of Machinery should not greater than 5 year) Minimum three guarantor will be presented Two times mortgage of loan amount Loan Amount : Sanctioning loan amount will be maximum upto 50% to 75% of machinery costing Details of machinery, quotation with the application of loan should be provided to the bank. Eligiblie amount For Capital investment would be 20% of annual sales

Applicant should be a Shares Holder of the Bank. Applicant should fill the application neatly with all information. Applicant should attach latest 7/12 copy land record. Copy of agreement & purchase deed with originals attested copy of development agreement which is done with main owner by builder or developer Title clear certificate under search report from advocate All details of shop like address, phone nos for valuation purpose In case of old shop Bank will provide panel architect & all fees regarding the same will be paid by applicant Valuation fees should be deposited before Appling for loan Valuation Fees details :

Minimum	Rs. 250/-
Rs. 50,000/- to Rs. 1,50,000/-	Rs. 350/-
Rs. 1,50,001/- to Rs. 2,50,000/-	Rs. 500/-
Rs. 2,50,001/- to Rs. 5,00,000/-	Rs. 750/-
Rs. 5,00,001/- to Rs. 10,00,000/-	Rs. 1000/-

Applicant should submit income certificate and salary slip in case of salaried employee, 7/12 land record in case of farmer Shop should be vacant or owner may do business in the same shop. Applicant should present all the document regarding the same Details of Business plan by applicant and other details like neighbor shop names & details information which should be verified & visited by Bank officer Loan will be sanction upto 75% of valuation of the shop and it should be less than valuation of the sub registrar also it should mention in report of architect Valuator should submit all details of construction year of building, use of shop with the details of valuation with sub registrar If shop is in the premises of society than applicant should provide permission of society for that format will be provided by the Bank

Eligibility : Applicant should be a Shares Holder of the Bank and he should be resident since from last 5 year in the Bank operating area Applicant should have the business in own place else he has to provide certificates of municipal council or Zilla Parishad Applicant will have to open small saving deposit account with the Bank Applicant Income Applicant should provide income certificate to analyze repayment capacity If guarantor is government servant than he has to provide salary slips and PF details If guarantor is private servant than he has to provide last 6 month salary slips and PF details Applicant and guarantor own land or house certificates if they have and the income certificate

Eligibility : Applicant should be a Shares Holder of the Bank Applicant should have the business in own place else he has to provide certificates of municipal council or Zilla Parishad Applicant Income Applicant should provide income certificate to analyze repayment capacity If guarantor is government servant than he has to provide salary slips and PF details If guarantor is private servant than he has to provide last 3 month salary slips and PF details Applicant and guarantor own land or house certificates or 7/12 certificate, if they have and the income certificate for the same property Mortgage for Loan : Material of Shop or godown 2 Guarantor will be presented at Bank Guarantor job & salary details updated stock report will be submitted after every three months

Eligibility : Applicant should be a Shares Holder of the Bank Applicant should have deposit account in the Bank Applicant should have experience of business Applicant should exceed annual turnover of Rs. 40,00000/- and he has to submit audited certificates of last financial year Individuals, Partnership firm, companies can be applicable for this type of loan

Purpose : To provide finance to contractor to construct small project in the field of residential or commercial Eligibility : Applicant should have 3 to 4 years experience with minimum 4 projects and he should be a Shares Holder of the Bank. Loan limit : Loan limit for individual person will be upto 50 lacs and 1 crore for group of peoples

This loan type is application for education at national & international level This loan type is applicable for shares holder of the Bank. The other member like Nominal Members, Partnership firm, Trusts, society, Patsanstha, company is not applicable for the same It is applicable to “A” class members and the child/parent of “A” class members. Loan is applicable for MBBS, BAMS, Architect, Engineer Degree and diploma. This loan is applicable for 10th and 12th pass candidates and they wish to join reputed universities, College, board and the loan sanction amount is depend on the expense of the same. Loan amount will be maximum 5 lacks or amount of education expense 3 guarantor should be presented in Bank and they are salaried employee or “A” class member of the Bank In case of applicant self want to take education loan than co-borrower is to be signed the application of loan and the co-borrower is capable for repayment of loan and co-borrower is jointly or severally responsible to repayment of the loan Interest rates will be as per the norms of RBI and decision taken by the board of directors. 2% will be additional penal interest in case of defaulter. Interest calculation is compounding & monthly basis Applicant should fulfill application provided by Bank and details of he is applying & and admitting at the reputed institute. Also applicant provide all estimate of educational expenses Only tuition fees is to be considered for loan. Loan is not applicable for other expense like Penalty, Donation Deposit, Building Fund, other fees, etc Tuition fees will be directly paid as the account payee draft on the name of institution and bank will take the receipt of the same Before paying of tuition fee of the next year applicant should pay interest of loan so that Bank release the next draft Loan is disabused step by step as per terms of education. After completion of education first installment with interest will be paid after one year and remaining pending loan amount with interest will be paid with 5 equal installments If applicant fails at the time of education than Bank allow loan for two years. If applicant not continue the education than he has to pay pending amount with interest within a year No free seat and paid seat system applicable for this type of loan Two times mortgage should be assign to this type of loan

Eligibility : Applicant should be a Shares Holder of the Bank Applicant and Guarantor should be residential or servant at operated area of Bank Installment loan will be for salaried members like permanent employee of center & state government, Government organization and other organization having experience of minimum 5 years Permanent employee of private limited companies or approved companies by Bank or authorized companies Applicant should have deposit account in the Bank Applicant should have experience of business Applicant should exceed annual turnover of Rs. 40,00,000/- and he has to submit audited certificates of last financial year Individuals, offices which salary is to be transfer through Bank, Partnership firm, companies can be applicable for this type of loan Employees of government granted education institutes which salary has been transfer through Bank Loan limit : 10 times of net salary or Rs.1,00,000/- which is minimum as per guideline of RBI and amount will be sanction by the board of directors After deduction of installment, deduction will not less than 67% of salary Loan Purpose : Installment loan is applicable for self use or home needs. It is also applicable for marriage purpose, illness, hospital bills, etc Mortgage for Loan : Minimum three guarantor is required and they will be “A” class member with salaried from reputed organization. Loan limit & mortgage will be decided by the Bank

Eligibility : Permanent Bank employees having minimum 2 years experience Purpose of Loan : Personal expenses Marriage purpose To purchase home appliances Educational Expenses To purchase vehicles To purchase, construct or modify House, Flat, etc Mortgage for Loan : Minimum two employee as a guarantor and they will be senior or equal in position Two shares holder as a guarantor Loan Limit : 20 times of basic salary

Eligibility : Permanent employees of the Bank having minimum 3 years experience. Loan is applicable once in service period For purchasing of plot & Construction, employee should have 15 years of remaining service period. Purpose of Loan : For purchase of New House, Flat or renew, expansion of Hosue Purchase of plot & construction of house Difference : House cost and difference of Loan amount and minimum difference 15% Plot cost and difference of Loan amount and minimum difference 10% Loan Limit : For House : Minimum of 60 times of basic salary or maximum 5 lacks For Plot : Minimum of 30 times of basic salary. For construction of house loan will be sanction after repayment of loan of plot

Eligibility : Shares Holders of the Bank This type of housing loan is only for employed shares holders as mention below : Central and State government employees Employees having minimum 5 years of experience in Sansthas which is government undertaken, Government officers, Local Bodies, Semi government, Societies is applicable for loan Permanent employees of government granted education institutes or other employees were those salary is granted by government & transfer through Bank. Purpose of Loan : For purchase of New House, Flat or renew, expansion of House Purchase of plot & construction of house Mortgage of Loan : Property which to be buy, e.g. Plot, Flat, etc Difference : House cost and difference of Loan amount and minimum difference will be 20% Plot cost and difference of Loan amount and minimum difference will be 20% Guarantor for loan : 3 guarantors required for loan Guarantor should government servant & they should be shares holder of the Bank Loan Amount : For House : Minimum of 60 times of last month basic salary or 80% purchasing amount For Plot : Minimum of 30 times of last month basic salary or 80% of purchasing amount. For construction of house loan will be sanction after repayment of loan of plot Interest Calculation : Interest will be calculated at 10% annually and it depends on the decision of Board of directors on the basis of norms given RBI Repayment : Housing Loan : Minimum of for 5 to 15 year or subtracting of three years from service period For Plot : Loan should be repaid within 5 year with interest from the date of disbursement

This type of loan is for shares holder Farmers of the Bank or their small business which depends on the farms e.g Milk production, Fish production, Goat farming, etc Eligibility : Applicant should be Shares Holders of the Bank from last three months Business of applicant should be related to agricultural and it is under the operating area of Bank Applicant should provide income certificate along with the business proof Applicant may be defaulter but he is not guarantor for defaulter Guarantor : Minimum two shares holders are required as a guarantor Guarantor should not be defaulter Two guarantor should be government servant Loan limit & period : Minimum of 1 lacks or 50% of the mortgage valuation Board of Directors have all rights of increasing or decreasing of loan limit Cash credit loan will be for 12 months. Applicant will have to renew loan Interest Rate : Interest rates is as per the norms of RBI & decision of board of directors and it is calculated and posted monthly basis. In case of applicant fails to repay interest, interest will be added to principal amount. 2% penal interest will be applicable in case of applicant fails to repayment the acquire interest. Mortgage of Loan : After sanctioning and before disbursement of loan applicant should make mortgage registration on the property which is applied for loan All applicant should submit written permission letter regarding mortgage of property iIn case of multiple applicant Applicant have to produce ownership documents form the authorized advocate of the Bank Applicant should submit all the original mortgage documents to the Bank Applicant will have submit all the receipts of paid taxes of mortgage property to the Bank Valuation of property will be valuated by the authorized valuator of the Bank Applicant have no rights to lease or sale the mortgage property Applicant should submit latest valuation & 7/12 document on each year to Bank Other conditions : With application the necessary document is “No objection certification” from other Banks Loan will be use for applied purpose else Bank have all rights to recovery the same Insurance of applied properly will be debited on the account of applicant All the expenses like taxes, insurance, etc will be debited on the account of applicant if he fails to pay Repayment of loan will be started immediately after disbursement. Vehicle Loan for “B” Class Members : Above loan is applicable for customers under the “B” class members of the Bank Eligibility : This loan is applicable for B class member customer of the Bank having matured and good transitions with the Bank Any new two wheeler is applicable for loan Mortgage for Loan : Purchased Vehicle Two shares holders as a guarantor which and they should not be a defaulter. More than one vehicle is applicable for the loan amount more than Rs.50,000/- Loan Limit : Loan amount is applicable for new vehicle is upto 85% of valuation (excluding insurance & Taxes). Upto This loan is not applicable for old vehicles Difference Amount : Applicant should pay 15% of the cost of two wheeler Interest rate & Calculations Interest calculation is on compound basis and Interest rate will be depend on norms of RBI and the decision taken by the board of directors of bank. (Commonly upto Rs. 50,000/- interest rate is 12% and above 50,001/- interest rate will be 13%) 2% additional penal interest for pending amount Repayment Loan repayment period for two wheelers is 3 years. Loan will be repaid by equal monthly installments with interest. Applicant should present 10 sign cheques to the Bank for repayment purpose All the expense like telephone, postage, visits fees, etc will be directly chargeable to applicant. Terms & Conditions: One Share holder is not applicable for more than three applicants as a guarantor. All rights are reserved with Board of directors regarding the same In case of vehicle loan on firm name, applicant should have all legal documents on his name All guarantor are equally responsible for applied loan. No guarantor will be exchange before closing of loan Insurance will be on the joint name of applicant and bank. Applicant will be responsible to renew the same or applicant will give in writing in case of Bank will paid the same Bank is not responsible in the case of vehicle accident and loss of vehicle After issuing of loan for two wheeler Rs. 1000/- will be kept as deposit with bank till receipt of required documents. After receiving of the same this amount will be transfer to loan account Applicant has no rights to sale, exchange, mortgage, etc regarding loan vehicle before repayment the loan. If does the same, Bank is liable to take some serious action against the applicant Duplicate key of vehicle, R.C. Book, insurance Policy, etc will be present to Bank. Applicant should sign the RTO forms like Form No. 20,29,28,29,30,32,34,35 and 96 If applicant breaks terms, condition & rules decided by the Bank then Bank will recover all due from loan hold

Gold mortgage loan is applicable upto Rs. 5 lacks for capital investment Eligibility : Applicant should be Shares Holder of the Bank No loan will be sanction except gold ornaments Applicant should be present pledge letter regarding he is owner of the gold ornaments and he is authorized person to mortgage of the same Mortgage : Applicant should be filled loan application of bank neatly with introduction of bank Shares Holders, passport photograph, photo copy of Ration Card & Address Prof Loan is sanctioned only for original gold ornaments or purity of gold is more than 80%. The value of gold ornaments is to be valuated by authorized valuator of the Bank. Valuation depends on the market rate and it will get certified. The fees of valuator is to be paid by applicant (tentatively Rs.6000/- loan will be sanctioned against pure 10gms certified ornaments) Mortgage ornaments will be properly sealed with applicant & loan details including signature of applicant, bank officer & Valuator. After repayment of loan dues applicant should present the receipt of mortgage ornaments which is provided by Bank at the time of delivery of ornaments. Bank has all rights to take decision regarding the same All the rights reserve with Bank regarding sanctioning / not sanctioning of loan Loan Limit : Loan limit is depend on the valuation provide by the valuator. Loan amount will be 75% of gold valuation or Rs. 14000/- for 10gm of pure gold. Also it depends on market rate and the decision of Board of Directors of Bank. Minimum applicable loan amount will be Rs.25000/- Interest rate : Interest calculation is on compound basis and Interest rate will be depend on norms of RBI and the decision taken by the board of directors of bank. Documents for Loan : Promissory Note Gold mortgage documents Gold ornaments ownership documents (Declaration) Permission letter from applicant to made auction of gold ornaments in case of defaulter of applicant Letter of lien and set off.

Eligibility : Applicant should be a Shares Holder of the Bank This loan is applicable for shares holders only. It is not applicable for Builders & construction Business Individual, Co-op society, Housing Society will be applicable for the same Economically backward classes Housing Board which are executing housing projects This loan is applicable for construction of purchasing of House, Flat, Bungalow and renovation of house Mortgage for Loan : House, Flat, Plot, Row House, Bungalow, like this property is applicable for loan Loan Amount : For House : Minimum of 50% of government valuation or purchasing cost of Flat, Bungalow, Row House : For Renewal : Upto 1 lacks for rural and upto 2 lacks for urban areas Repayment : For purchasing of House : 5 to 15 years For modification of House : 5 years Documents Required : Bank Application with 3 years audited certificates, income documents, Business proof Guarantor application and Xerox of salary slip Agreement of purchase property with registration receipt . 7/12 extract, 6D, 8A record, NA certificate, agricultural tax receipts Blue print and final layout letter from corporation Original copy of permission letter for corporation Blue print & cost estimate from architecture regarding construction 30 years title search report Receipt of difference paid to builders or society Purchase deed, Purchase agreement, development agreement, etc in case of property purchased for development Bylaws, certificate of allotted area, society registration certificate in case of property purchased from society. NOC certificate form Builder or Society Details of how applicant will make available difference amount .