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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 HOLY LIFE THRIFT AND CREDIT CO-OPERATIVE SOCIETY 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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