The Sangli District Central Co-Operative Bank Ltd., Sangli

Loan Scheme

Agri Crop loans

Aggregate information related to short term crop loans, loan disbursement and loan repayment date for the year 2018-19.

Term Loan for Farming

Medium / Long term Agri loans, debt allocation policy

Non Agriculture Co-operative Society

Non Agriculture Loan - Industrial Co-operative Society Loan

Industrial Direct Loan Supplies :-

Loan type - Clean Cash Credit Loan / Mortgage Loans / Medium Term Loan
Interest rate- 13% (with interest rate as per the time policy)
Period - Clean and Cash Credit and Mortgage Loans 1 year term and medium term loan 5 years term
Debt limit - Personal Limit Max Limit Rs. 40.00 lakhs

Retail Finance: -

Cash credit lending to the depositor / customer, medium term loan for domestic purposes and for businessmen:

Interest rate - 13% (with interest rate as per policy at that time)
Debt limit - Rs. 1 lakh to Rs. 5 million

Buy a new bicycle / four-wheeler vehicle

Interest rate - 12.50% (as per the policy of that time the interest rate remains)
Period - 7 years
Debt limit -80% of the total quotation is maximum 25 Lakhs

General Customer / Depository and Vehicle Business -

Rate of interest - 13% (as per the policy of that time the interest rate remains)
Fixed - 7 years (monthly installment)
Debt Limit - 80% of the total Quotation max. 2.5 Lakhs

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For Traders / Entrepreneurs -


Interest Rate - 12.50% (which will be the interest rate as per the time policy)

Fixed - 7 years (monthly installment)

Debt Limit - 80% of the total Quotation max. 2.5 Lakhs


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House building, home to buy flat / row house -

Interest Rate - 12.50% (which will be the interest rate as per the time policy)
Fixed - 7 years (monthly installment)
Debt Limit - 60% of total salary or 80% of quote, but the maximum consideration in repayment is Rs. 2.5 Lakhs

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For Merchant / Entrepreneur -


Interest Rate - 12.50% (which will be the interest rate as per the time policy)
Term - 15 years term
Debt Limit - 80% of Estimates, but with a consideration of a maximum of Rs 25.00 lakh

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Loan for Process Societies: -

Sugar Factory Co-operative Credit -

Co-operative sugar factories are financed by short-term loans, working capital goods, Mortgage and term loan.

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Yarn Mill Co-operative Loan Schemes -

Registration of Co-operative Societies is done by the handlooms, powerlooms and co-operative millers, Maharashtra State. The project consists of at least 25000 cases. The following types of loans are sanctioned by the District Bank for such soybean mills.

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YarnMill Medium Term Debt -

The co-operative lenders will be able to make the mills available for the project, as per the banks, NABARD or State Bank or current policy of our bank.

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Other processing organizations -

It must be noted that the processing institutions are located in the process of issuing certified raw materials produced by raw material, as well as the registration process of institutional organization which is involved in processing the finished goods produced by processing the finished goods and classification in the sub-country. It is the Bank's policy of granting loans to the following major causes of such institutions.

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Non-Agriculture Others Co-operative Society Loan

Non-Agri loans & nbsp; Other co-operative loans: -

Loan through Development Society: -

Vehicle Loans through Vikas Society: -

For the purchase of two wheelers / four-wheelers (jeep, car, three / four-wheeler carriage, JCB, etc), the bank offers a loan up to Rs 25 lakh.

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Farmer's Home Building Loan by Development Societies: -

Loans are provided by the Bank for the construction of the house to the members of Primary Service Co-operative Societies in the district. For this, only 75% of the settlement will be given for a maximum period of 10 years.

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Small Industries Loans through Societies: -

Loan is provided for small businesses through a bank.

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Educational Loan Strategy to be given to the members of the society through development society: -

Bank loans are provided by the Development Societies for innovative and specialized postgraduate education in the district and abroad for the students of the district.

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Marketing Institution Loans: -

Purchase / Sale Team: -

Clean Cash Credit: - Term - 1 year, Interest Rate - 14% (This is the prevailing rate)

Clean Closure: -

Closure: -Term - 1 year, Interest Rate - 14% (This is the prevailing rate)

Inspectorate limitations: -

Liaison Limit: -Term - 1 year, Interest Rate - 14% (This is the prevailing rate)

Medium Term Loans: -

Term - 5 years, Interest Rate - 14% (This is the prevailing rate)

Other co-operative loans i.e.: (water supply, fisheries, poultry, etc.): -

Clean Cash Credit Loan
Mortgage loan
Medium Term Debt: - (For extension of institution)

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Labor Institution Loan

Interest rate - 14% (this prevailing rate)
Fixed - 1 year
Debt Limit - Part Capital + Funds Disadvantages = Self Impact

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Civic Organizations / Urban Banks Loans: -

Co-operative Banks provides gold loan, Turmeric goods, mortgage and small-time lenders, and special clean loans for liquidity under special consideration

Policy regarding loan settlement of civil co-operative banks: -

Co-operative Banks provides gold loan, Turmeric goods, mortgage and small-time lenders, and special clean loans for liquidity under special consideration

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Urban Co-operative Credit Society: -

Bank credit for cash credit, building construction and other matters for the local cooperative credit society.

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Salaried Co-operative Societies

Cash Credit Debt Coverage for the Cooperative Credit Society through Bank.

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Fixed Deposit Receipt Mortgage Loan (Urban Banks and All Institutions): -

The interest rates and conditions for payment of up to 85% of fixed deposits in the bank will be as per with the policy of the Bank.

Consumer Co-operation Loans: -

Clean Cash Credit
Interest Rate - 14%
Term - 1 year term
Debt Limit - Component Part Capital + Funds Deducted ...



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Loan to milk supply societies: -

Bank credit for the purchase of bills to the members of the milk supply society, procurement of cattle feed, and the purchase of machinery suitable for milk products, godowns and office.

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Personal loan: -

Permanent deposit receipt loan: -

Depositors may need money temporarily for their abnormal purpose or for short-term needs. In this case, the deposit mortgage loan has been made available to the depositor through the bank to avoid losses due to the earlier withdrawal of the deposit.

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Cash Credit Loan on Term Deposit Receipt.

Cash credit debt limit is approved by the bank upto 80% of the deposit on permanent deposit receipt.

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Gold mortgage loans: -

Gold loan loan has been made available to the customers through the bank for the period of one year.

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Gold Mortgage Cash Credit Loans: -

For any insane resident of the district, a gold loan can be taken from the credit limit and the maximum limit will be Rs. 5,00,000.

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Bank servant loans: -

Bankers are advised to provide services to the customers who are in the service of the bank, through the bank, for the purchase of vehicles, homebuilding, home / flat purchases etc.

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Bank servant loans: -

Bank employees who are permanently in the service of the bank, to buy home utility items at discounted rates, or to provide computer support, water supply or loan for girls, etc.

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Personal loan: -

Direct Debt Policy for Salaried Servants Term loan to salaried employees: -

With the help of the bank's direct loan supply scheme, monthly loan, vehicle purchase, housing, home / flat purchase is done directly from the bank for the payment of monthly salary of secondary, high school, primary teachers, non-teaching staff, Panchayat committee, Zilla Parishad, government and semi-government employees. The policy related to the following ...                                                                                         1) Every servant gets a maximum of Rs. The term loan will be given up to Rs 25.00 lakh                                                                                         2) The loan is a ten-year lending policy and repayment is done by the monthly installment.                                                                                         3) Interest rates are as high as 11.00%.

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Pensioner Term Loan: -

Maximum Limit - Rs.10.50 Only
Interest rate - 12% (which will be the interest rate as per the time policy)
Duration - 3 year terms
debt limit - 10 times of pension amount

Term Loan for Anganwadi Sevikas: -


Max limit - Rs. 30 thousand only
Interest rate - 12% (which will be the interest rate as per the time policy)
Fixed - 7 year terms
Loan Limit - Rs. 30 thousand only

Loan for Self Help Groups

Self Help Groups

Women Savings Group: -

According to the National Bank and State Co-operative Bank Guidelines, since 1999-2000, the Bank has adopted a policy to create, maintain and provide financial assistance and facilities by creating a self-help group.                                                         National Rural Bivannoti Campaign, A. P. L., and B. P. L. Under this, the bank has provided loans to more than 25,000 savings groups, with a cumulative amount of about 125 crore.

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J. L. G: -

The bank, with the help of NABARD, is trying to make a self-reliant by offering loans to small and marginal landholders, landless farmers, laborers, business workers, for the creation of autonomous employment. A loan of up to Rs. 30,000 / - to 50,000 / - per person per group of 4 to 6 persons living in the same area of 18 to 55 years of age.
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