नोंदणी क्रमांक एन. एस . के / बी. एन. के. / ओ/ १६४७/ ९६  |  Registration Number N.S.K./B.N.K./O/1647/96

Loan Schemes

Commercial Loans

New Interest Rates of loans from 01.10.2014

HYPOTHECATION :-

Features :

* Limit up to Rs.1 crore

* Period1 years

* Rate of interest 13.00%

* 1 % processing fees of loan, (above 1 lac), which is Not refundable Max=Rs:-10,000/-

* 70% loan of Stock & Book Debts

Documents require :

1. Latest Income tax return for 3 years,

2. Last 3 years financial reports (C.A certified), for loan

3. Residential proof

4. Pan card & Adhar Card

5. Two Guarantors (shareholder)

6. Latest Income tax return of two guarantors with Latest financials (C.A certified)

7. Business proof

8. Latest stock statement

9. Latest statement of other banks, if any.

10. Collateral security (loan for above 1 l ac) [ N.A.Property]

11. Photocopies require of borrower as well as guarantors

 

VEHICLE LOAN 

* Limit up to 1 Lac* (For Two Wheeler) or Limit, up to20 Lac* (For Four Wheeler)

* Period5 year

* Rate of interest 10.90% 

*. 85% loan will be sanction against Vehical up to 10lac & 75% aove 10lac

Documents require :

1. Vehicle Quotation from Nashik City Delears

2. Latest Income tax return for 3 years, &Last 3 years financial reports (C.A certified), for loan

3. Residential proof

4. Pan card & Adhar Card

5. Two Guarantors (shareholder)

6. Latest Income tax return of two guarantors with Latest financials (C.A certified)

7. Latest statement of other banks, if any.

8. Photocopies require of borrower as well as guarantors

 

GOLD LOAN (loan against gold ornaments) :-

*Limit up to Rs  1 Lac* (Gold Bullet Paymrnt)

* Period 1 year

* Rate of interest 11.00%

*. 75% loan will be sanction against valuation *

*Minimum custody charges

GOLD INSTALLMENT LOAN (loan against gold ornaments) :-

*Limit, up to 10 Lac * (GCC & GTL)

* Period1 year for GCC & Period 3 year for GTL

* Rate of interest 11.00%

* 75% loan will be sanction against valuation *

*Minimum custody charges

* No scrutiny fees and no Processing Fees

Terms and conditions :

*For Nominal member, loan up to 1 lac

*Borrower must be account holder of bank/for nominal member KYC should be fulfill

*Loan for above 1 lac, borrower should be shareholder of bank

*Valuation will be latest market rate of gold.

 

ADVANCE AGAINST FIX DEPOSIT :-

Features :

•85% of loan for deposit

Documents require :

1. Discharged Receipt of Fix deposit

Terms and conditions :

*Nominal membership facility available, for nonmembers

*Discharged Receipt of Fix deposit

* 2% addition interest rate, of fix deposit.

*All types of deposits will lien with bank.

* Regularity in monthly interest

* No scrutiny fees and no Processing Fees

 

LOAN FOR SHOP (Loan shops purchase/ constructions) :-

Features :

* Limit up to 25Lac

*80% advance against purchase deed / Market Value (whichever is less)

*Period 3 to 10years

*Rate of interest 13.00% 

* 1 % processing fees of loan or Max=Rs:-10,000/-, which is Not refundable *

Documents require :

1. Latest Income tax return for 3 years,

2. Last 3 years financial reports (C.A certified)

3. Residential proof

4. Pan card

5. Two Guarantors (shareholder)

6. Latest Income tax return of two guarantors with latest financial reports (C.A certified)

7. Business proof

8. NOC

9. Latest statement of other banks, if any.

10. Purchase /sale deed

11. Photocopies require of borrower as well as guarantors

12. Search report(30 years with receipt)

13. Commencements certificate

14. Approved plan

15. Property abstract of 7/12 and CTS (City survey)

16. N.A order and latest tax receipt

17. Permission for the type of construction, from authenticate office.

18. Development agreement

 

HOUSING LOAN :-

Features :

*Limit up to 40 lac

*up to 90% advance against estimated cost /or purchase deed /valuation (whichever is less)

*70% advance for up to 10 yearsold Flat/Banglow/Row House

*Period 15 years

*Rate of interest 11.00 %

* 1 % processing fees of loan or Maz Rs:-10,000/-, which is Not refundable *

 

TERMLOAN :-

Features : for Furniture/Machinary/Fix Asset

*Limit up to 1 crore

*60-70% advance against Quotation /valuation (whichever is less)

*Rate of interest 13.00%

* 1 % processing fees of loan, which is not refundable*

 

LOAN AGANIST LIC POLICY

Features :

*Limit up to 40 lac

**75% agnist surrender value of Policy

*Period 1 to 3 years

*Rate of interest 13.00 %

* 1 % processing fees of loan or Maz Rs:-10,000/-, which is Not refundable *

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