Loans & Advances
Fulfil your dreams with the right financing. Sant Sopankaka Sahakari Bank offers competitive loan products for individuals, businesses and communities.
Our Loan Products
Housing Loan
For flat/house purchase or construction. Priority sector rates from 8.75% p.a.
Personal Loan
For personal needs. With salary deduction from 12.00% p.a. Unsecured up to ₹3 lakh.
Gold Loan
Get instant loans against your Gold jewellery. Custody charges ₹354 (incl. GST).
Vehicle Loan
Two-wheeler & personal vehicle loans. Rates from 9.00% p.a. for up to 60 Months.
Education Loan
Domestic & Foreign education loans. Priority rates from 9.75% p.a.
Term Loan (MSME)
For MSME businesses. Priority rates from 10.50% p.a. with Udyam Registration.
Agriculture and Allied Activities loan
Agriculture & Allied Activities loan. Priority sector rates from 10.50% p.a.
Bachat Gat Loan (SHG)
Self Help Group loans. Rates from 7.00% p.a. for secured SHG loans.
Loan Against Deposit
Borrow against your FD at Additional 2% p.a. over FD rate. Up to 85% of deposit amount.
Cash Credit Loan
Unsecured funding up to ₹3 Lakhs and secured up to ₹500 Lakhs for business needs.
Heavy Commercial Machinery Loan
Financing for purchasing heavy commercial machinery up to ₹500 Lakhs for terms up to 84 months.
Solar Panel Loan
Fund residential (up to ₹5 Lakhs) or commercial (up to ₹25 Lakhs) solar power systems.
Loan Interest Rates
Subject to change as per RBI directives. Contact your nearest branch for current rates.
| Loan Type | Security | Max Amt (Lakh) | Non Priority | Priority | Weaker | Max Period |
|---|---|---|---|---|---|---|
| Agriculture & Allied Activities | Unsecured | 5.00 | – | 13.50% | 13.50% | 60 months |
| Agriculture & Allied Activities | Secured >5L | 200.00 | – | 11.00% | 10.50% | 84 months |
| Term Loan (MSME) | Unsecured | 5.00 | – | 13.50% | 13.25% | 60 months |
| Term Loan (MSME) | Secured | 25.00–500.00 | – | 11.50–11.75% | 10.50–11.00% | 84 months |
| Bachat Gat Loan (SHG) – Unsecured | Unsecured | 2.00 | – | 10.00% | 10.00% | 24 months |
| Bachat Gat Loan (SHG) – Secured | Secured | 25.00 | – | 7.00% | 7.00% | 60 months |
| Education Loan (Domestic) – Priority | Unsecured | 1.00–5.00 | – | 11.25–11.50% | 11.25% | 36–60 months post study |
| Education Loan (Domestic) – Secured | Secured | 25.00 | – | 10.00% | 9.75% | 60 months post study |
| Pradhan Mantri Awas Yojana | Secured | 3.00 | – | 8.10% | – | 180 months |
| Two Wheeler Loan (without guarantor) | Secured | 1.00–2.00 | 9.00% | – | – | 48–60 months |
| Vehicle Loan (Personal Use) | Secured | 250.00 | – | – | – | 60–84 months |
| Housing Loan (Metro City) | Secured | 35.00 | – | 9.00% | 8.75% | 240 months |
| Housing Loan (Other than Metro) | Secured | 25.00 | – | 9.00% | 8.75% | – |
| House Repair Loan | Secured | 12.00 | – | 9.50% | 9.25% | 120 months |
| Personal Loan (without salary deduction) | Unsecured | 3.00 | 14.00% | 13.75% | 13.50% | 60 months |
| Personal Loan (with salary deduction) | Unsecured | 5.00 | 12.75% | 12.50% | 12.00% | 60 months |
| Loan on Government Securities (NSC/KVP/LIC) | Secured | 10.00 | 11.00% | 10.75% | 10.50% | End date of security |
| Loan Against FD (Self) | Secured | 85% of deposit | FD Rate +2.00% | FD Rate +1.50% | FD Rate +1.50% | End date of security |
| Term Loan for Business Purpose (Unsecured) | Unsecured | 5.00 | 14.00% | 13.75% | – | 60 months |
| Term Loan (Business – Secured) | Secured | 5.00–500.00 | 11.25–12.00% | 11.15–11.60% | – | 120–180 months |
| Advance Against Rent | Secured | 5.00–500.00 | 13.00% | – | – | 60–120 months |
* Rates are indicative and subject to change. Contact your nearest branch for current and final rates applicable to your loan.
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