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| To meet personal and domestic expenses, make fresh investments including tax- planning investments, pay income tax, invest in business, etc. |
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Individuals including persons coming together to avail the loan in joint names holding National Savings Certificates(NSCs) and Kisan Vikas Patras ( KVPs) & LIC policies in their names.
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Minimum Rs 10,000/-
Maximum No Cap
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| For both Demand Loans & Secured Overdraft (SOD): 20% of the accrued values of the NSCs, KVPs pledged or surrender values of the LIC policy. |
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| Base Rate + 3.75% (PER: 14.75% p.a.) |
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| 0.25% of the loan amount with a minimum of Rs 100/- for SODs & Rs 50 /- for demand loans |
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| Maximum period : 60 Months |
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| SOD: Continuation of facility based on Annual Review |
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