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GENERAL LOAN:-

A sum of money which is borrowed to be paid back with interest over a period of time. Individual Entity which borrows a sum of money from the lender and receives a direct benefit or direct interest from the Loan.

Features & Benefits:-

  • Attractive Interests Rates.
  • Provides self-employed women financial assistance to support their business enterprises, such as raising livestock, running local retail shops called Kirana stores, providing tailoring and other assorted trades and services.

Eligibility :

  • Member of the Soukhya Samruddhi Souharda Co operative Ltd Holding either single account or joint account with other family members’ viz., father, mother, wife, son or daughter with regular source of income.
  • Individuals who may be employed/self-employed in business having regular income.
  • Permanent employee of Central/State/Defence//Public or Joint Sector Undertaking/reputed firms/established Educational Inst/Professional/Businessmen having regular income.

Purpose of Loan

  • Up-gradation, renovation and extension of residential property.
  • Medical, emergency expenditure for maintenance of family.
  • To meet the Wedding Expenditure.
  • Major Surgical operation.
  • For expansion of your existing business or begin a dream venture.
  • Meeting any other genuine need as may be specified by the Borrower and agreed to by the Lender.
  • Planning to start a small Business.

Quantum of Finance

  • As per eligibility and Income Earning Capacity.

Repayment Details

  • By EMI or Regular.

Processing Charges & Service Tax

  • Processing Fees and Other Charges (Inclusive) PLUS Service Tax as applicable.

Supporting Documents for Loan Sanctioning

Photo Identity Proof:

  • – Pass port
  • – PAN card
  • – Voters Identity Card
  • – Driving License

Residence Proof:

  • – Telephone Bill
  • – Letter from any recognized Public Authority
  • – Electricity Bill
  • – Ration Card
  • – Letter from employer subject to satisfaction on Bank
  • – Properly Tax Book/Receipt
  • – Registered Lease Deed
  • Application on Prescribed form
  • Two photographs of Borrower and Guarantors
  • Address proof of Borrower and Guarantors (copy of Ration Card, Election card, Telephone bill, Driving License etc.)
  • Income proof, Copy of Income Tax Return, Financial Statement of the Firm, Sales Tax returns etc.
  • Profile of Guarantors.
  • Loan should be guaranteed by three financially sound Guarantors having net individual worth twice the loan amount.
  • Any other marketable security.
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