Complete Loan Solutions
Explore our comprehensive range of loan products designed to meet every financial need. From gold loans to home loans, we have competitive rates and flexible terms.
Why Choose Our Loans?
We offer comprehensive loan solutions with competitive rates, quick processing, and personalized service to meet all your financial needs.
Competitive Interest Rates
Attractive interest rates across all loan products to minimize your borrowing cost
Quick Processing
Fast approval and disbursal with minimal documentation and hassle-free procedures
Flexible Terms
Customizable repayment options and tenure to suit your financial capacity
Expert Guidance
Professional advice and support throughout the loan journey from application to closure
Quick Navigation
Jump to any section to explore our loan products
Gold Loan
PopularGold loans are secured loans where gold jewellery is used as collateral.
From 8.5% p.a
Up to 75% of gold value
Up to 3 Years
Key Features
Eligibility
Any individual with gold ornaments, minimum age 21 years
Required Documents
- KYC documents
- Gold ownership proof
- Address verification
Key Benefits
- Quick cash against gold
- Retain gold ownership
- Lowest interest rates
Terms & Conditions
Gold purity minimum 18 carats, maximum loan 75% of current gold value
Loan Against LIC, NSC, KVPM
The LIC, NSC or KVPM acts as collateral for borrowing loan which individuals can use for their own personal or commercial needs.
From 9% p.a
Up to 90% of surrender value
Up to 5 Years
Key Features
Eligibility
Policy holders with surrenderable LIC, NSC, KVPM policies
Required Documents
- Policy documents
- KYC documents
- Assignment papers
Key Benefits
- Continue policy benefits
- Lower interest rates
- Quick approval
Terms & Conditions
Policy should have surrender value, minimum 3 years old
Loan Against Fixed Deposit
PopularLoan against FD (Fixed Deposit) is a type of secured loan where customers can pledge their fixed deposit as security and get a loan in return.
FD Rate + 1% p.a
Up to 90% of FD value
Up to FD maturity
Key Features
Eligibility
FD holders of KMACCS or other recognized banks
Required Documents
- FD receipt
- KYC documents
- Lien marking
Key Benefits
- Lowest rates
- Instant processing
- No credit check
Terms & Conditions
FD remains pledged until loan closure, interest continues to accrue
Personal Loan
PopularPersonal loan can cover our various personal expenses like marriages, home renovations, appliance purchase, emergency expenses and medical emergency.
From 10.5% p.a
₹10 Lakhs
Up to 5 Years
Key Features
Eligibility
Salaried/Self-employed individuals, minimum income ₹25,000/month
Required Documents
- Income proof
- KYC documents
- Bank statements
- Employment proof
Key Benefits
- No security required
- Quick disbursal
- Flexible usage
Terms & Conditions
Age 21-60 years, stable income for minimum 2 years
Mortgage Loan
A mortgage loan is sanctioned against an immovable asset like a house or a commercial property. The property itself serves as collateral for the loan.
From 9.5% p.a
₹2 Crores
Up to 20 Years
Key Features
Eligibility
Property owners, age 23-65 years, stable income
Required Documents
- Property documents
- Income proof
- KYC documents
- Valuation report
Key Benefits
- High loan amounts
- Long tenure
- Tax benefits
Terms & Conditions
Property should be clear title, located in approved areas
Small Business Term Loan
A Small Business Term loan is sanctioned to support business expansion, working capital needs, and equipment purchase for small and medium enterprises.
From 11% p.a
₹50 Lakhs
Up to 7 Years
Key Features
Eligibility
Small business owners, minimum 3 years in business, annual turnover ₹50L+
Required Documents
- Business registration
- Financial statements
- Tax returns
- Bank statements
Key Benefits
- Business growth support
- Flexible terms
- Advisory services
Terms & Conditions
Business should be profitable for last 2 years, good credit history
Home Loan
PopularA loan advanced to a person to assist in constructing or buying a house or flat.
From 8.5% p.a
₹1 Crore
Up to 25 Years
Key Features
Eligibility
Individuals/Joint applicants, age 23-65 years, stable income
Required Documents
- Income proof
- Property documents
- KYC documents
- Approval plans
Key Benefits
- Tax savings
- Long tenure
- Competitive rates
Terms & Conditions
Property should have clear title, approved by local authorities
Self Help Group Loan
A SHG is a community-based group with 10-20 members. It acts as the mutually agreed contribution to the common fund and is used to provide loans to the members.
From 7% p.a
₹10 Lakhs per group
Up to 3 Years
Key Features
Eligibility
Women's groups, 10-20 members, minimum 6 months group activity
Required Documents
- Group registration
- Meeting records
- Member KYC
- Bank statements
Key Benefits
- Lowest rates
- Community support
- Skill development
Terms & Conditions
Group should have regular savings, good repayment track record
Vehicle Loan
PopularA Vehicle loan allows someone to borrow money to purchase private vehicle as bike, car, autos.
From 9.5% p.a
₹25 Lakhs
Up to 7 Years
Key Features
Eligibility
Individuals with valid driving license, age 21-65 years, stable income
Required Documents
- Income proof
- KYC documents
- Vehicle quotation
- Driving license
Key Benefits
- Quick processing
- Competitive rates
- Insurance support
Terms & Conditions
Vehicle registration in borrower's name, comprehensive insurance mandatory
Overdraft Facility
An overdraft occurs when there isn't enough money in an account to cover a transaction or withdrawal, but the bank allows the transaction anyway. Essentially, it's an extension of credit from the financial institution.
From 12% p.a
₹5 Lakhs
Renewable annually
Key Features
Eligibility
Account holders with good credit history, regular income
Required Documents
- Income proof
- Bank statements
- KYC documents
- Security documents
Key Benefits
- Flexible usage
- Interest on utilization only
- Emergency funding
Terms & Conditions
Annual renewal required, maintaining minimum balance
Simple Loan Application Process
Get your loan approved in just 3 easy steps with our streamlined process
Apply Online/Offline
Submit your loan application online or visit our branch with required documents
Document Verification
Our team will verify your documents and assess your eligibility
Approval & Disbursal
Once approved, loan amount will be disbursed to your account quickly
Ready to Apply for a Loan?
Take the first step towards achieving your financial goals. Our loan experts are here to guide you through the entire process.
Call Us
+91 9581812535
Email Us
info@karthikeyaccsociety.in
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