Other Loan Products
Vehicle, gold, festival-top-up and special-purpose loans for members.
Beyond our six flagship loans, members can borrow for vehicles, gold ornaments, festival seasons, and other specific purposes. Each product carries its own simple terms, set transparently and confirmed on request at the branch.
If you need finance for a purpose not listed here, ask — we lend to a surprising number of member needs.
Interest rates
| Balance slab | Interest rate | Note |
|---|---|---|
| Vehicle Loan | 9.75% p.a. | |
| Gold Loan | 8.75% p.a. | |
| Festival Top-up | 9.25% p.a. |
Loan period
- Tenure
- Flexible — by product
- Vehicle loans
- Up to 5 years
- Gold loans
- Up to 3 years, renewable
Required documents
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For gold loans Valid ID only — gold pledged at SPCC certified tester
-
For vehicles Sales invoice, RC copy, insurance
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Existing loan top-up Last 6 EMI statements
-
Identity & address Standard KYC documents
Eligibility
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Any existing member
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Vehicle age & condition Checked for commercial vehicles
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Gold purity 22ct / 24ct, tested at the branch
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All other standard norms As applicable to the product