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

Loan Schemes

VEHICLE LOAN 

Features:

  •  For Two Wheeler or For Four Wheeler or Commercial Vehicles
  •  Period 3 to 7 year
  •  Rate of interest 8.50% 
  •  90% loan will be sanction against Vehicle on Road Price

Documents required:

  • Vehicle Quotation from Nashik City Dealers
  • Latest last 3 months Salary Slip or Latest Income tax return of last 3 years or Last 3 years financial reports (C.A. certified)
  • Residential proof
  • Pan Card & Aadhar Card
  • One Guarantors (shareholder)
  • Latest Income tax return of two guarantors with Latest financials (C.A. certified) or Latest statement of other banks, if any.
  • Passport size Photo require of borrower as well as guarantors


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LOAN AGANIST LIC POLICY

Features :

  • Limit up to 1 Crore
  • 80% against surrender value of Policy
  • Period 1 to 3 years
  • Rate of interest 9.75 %
  • 0.50 % processing fees of loan or Max Rs:-5,000/-
  • Available in Term Loan or Cash Credit Facility
 

Documents required:

  • Original Insurance Policy
  • Latest last 3 months Salary Slip or Latest Income tax return of last 3 years or Last 3 years financial reports (C.A. certified)
  • Residential proof
  • Pan Card & Aadhar Card
  • One Guarantors (shareholder)
  • Latest Income tax return of two guarantors with Latest financials (C.A. certified) or Latest statement of other banks, if any.
  • Passport size Photo require of borrower as well as guarantors

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    GOLD LOAN – (Loan against Gold Ornaments) :-

     

     

     

    Features:

    • Limit up to Rs  1 Lac* (GBP- Gold Bullet Payment)
    • Period 1 year
    • Rate of interest 10.00%
    • 75% loan will be sanction against valuation Amount
    • Minimum custody charges
     

    GOLD INSTALLMENT LOAN (Loan against Gold Ornaments) :-

    Features:

    • Limit up to 10 Lakhs (GCC – Gold Cash Credit & GTL – Gold Term Loan)
    • Period 1 year for GCC & Period 3 years for GTL
    • Rate of interest 10.00%
    • 75% loan will be sanction against valuation Amount
    • Minimum custody charges
    • Scrutiny fees and Processing Fees are Nil

    Terms and conditions:

     


     
  • For Nominal member, loan up to 1 lakhs
  • Borrower must be account holder of bank/for nominal member KYC should be fulfill
  • Loan for above 1 lakhs, borrower should be Regular shareholder of bank
  • Valuation will be latest market rate of gold.

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    HYPOTHECATION / Cash Credit Loan:- HPCC/SCC/SBCC

    Features:

    • Limit up to Rs. 1.50 crore
    • Period 1 years
    • Rate of interest 11.00%
    • Rebate 1% with terms and conditions (Turnover 5 times, 80% utilization, Stock statement and Interest should be submitted before 10th of next month)
    • 1 % processing fees of loan or Max Rs. 10,000/-
    • 60 % loan of Stock & Book Debts

     

    Documents Require:

    • Latest Income tax return for 3 years,
    • Last 3 years financial reports (C.A. certified)
    • Residential proof
    • Pan card & Aadhar Card
    • Two Guarantors (shareholder)
    • Latest Income tax return of two guarantors with Latest financials (C.A. certified)
    • Business proof
    • Latest stock statement
    • Latest statement of other banks, if any.
    • Collateral security (loan for above 1 Lakhs) [ N.A. Property]
    • Passport size Photo copies require of borrower as well as guarantors



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    HOUSING LOAN:-

    Features:

  • Limit up to 70 lakhs
  • up to 80% advance against estimated cost /or purchase deed /valuation (whichever is less)
  • 70% advance for up to 10 year sold Flat/ Bungalow /Row House
  • Period 15 years
  • Rate of interest 9.75 %
  • 1 % processing fees of loan or Max Rs:-10,000/-
  • Rs. 5 lakhs Limit for Renovation of Old House
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TERM LOAN :-

Features : for Furniture / Machinery / Fix Asset

  • Limit up to 1 crore
  • 60-70% advance against Quotation /valuation (whichever is less)
  • Rate of interest 12.00%
  • Period 7 to 10 years
  • 1 % processing fees of loan, which is not refundable

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

Features :

  • Limit up to 25 Lakhs
  • 80% advance against purchase deed / Market Value (whichever is less)
  • Period 3 to 10 years
  • Rate of interest 12.00% 
  • 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

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ADVANCE AGAINST FIX DEPOSIT :-

Features and Terms and conditions :

  • 85% of loan for deposit
  • Nominal membership facility available, for nonmembers
  • Discharged Receipt of Fix deposit
  • 0.5 % additional interest rate of fix deposit for above Rs 1 Crore
  • 1% additional interest rate of fix deposit.
  • 2% additional interest rate for third party FDR
  • All types of deposits will lien with bank.
  • Regularity in monthly interest
  • No scrutiny fees and no Processing Fees

     

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SHORT TERM LOAN :- STL/MICRO Loan

Features and Terms and conditions :

  • Limit up to 1 Lakh
  • Useful for small business
  • Rate of interest 16.50%
  • Period 18 months  to 3 years
  • 1 % processing fees of loan, which is not refundable
  •  Latest Income tax return for 3 years,
  •  Residential proof
  •  Pan card
  • Two Guarantors (shareholder)
  • Latest Income tax return of two guarantors with latest financial reports (C.A certified)
  • Business proof

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PERSONAL LOAN :-

Features and Terms and conditions :
  • Limit up to 1 Lakh
  • Useful for Salary and personal account Holders
  • Rate of interest 15.00%
  • Period 3 years
  • 1 % processing fees of loan, which is not refundable
  • Latest Income tax return for 3 years,
  • Latest 3 months Salary Slip
  • Residential proof
  • Pan card
  • Two Guarantors (shareholder)
  • Latest Income tax return of two guarantors with latest financial reports (C.A. certified)

 

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HELLO DOCTOR PERSONAL LOAN :-

Features and Terms and conditions :
  • Limit up to 3 Lakh to 5 Lakh
  • Useful for Doctors
  • Rate of interest 13.00%
  • Period 3 years
  • 1 % processing fees of loan, which is not refundable
  • Latest Income tax return for 3 years
  • Latest 3 months Salary Slip
  • Residential proof
  • Pan card
  • Two Guarantors (shareholder)
  • Latest Income tax return of two guarantors with latest financial reports (C.A. certified)

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HELLO DOCTOR TERM LOAN :-

Features and Terms and conditions :

  • Limit up to 5 Lakh (75% of Machinery Quotation)
  • Useful for Machinery
  • Rate of interest 9.95%
  • Period 3 to 5 years
  • 1 % processing fees of loan, which is not refundable
  • Latest Income tax return for 3 years
  • Residential proof
  • Pan card
  • Two Guarantors (shareholder)
  • Latest Income tax return of two guarantors with latest financial reports (C.A. certified)

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