@Chartered Shakari Bank Niyamitha
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>>> Constructions loans @ 7.5% p.a upto 70 Lakhs.
>>> Easy Repayment Schedules upto 240 Months.
>>> No Pre Payment charges.

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Mortagage Loans

>>> Mortagage loans @ 10.25% p.a.
>>> Mortagage Loan - Rental @ 9.00% p.a.
>>> Easy Repayment Schedules upto 240 Months.
>>> 0.5% interest rebate for prompt repayment

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Fixed Deposits

>>> 1 year to less than 2 years & @ 6.25%.
>>> 2 years to 10 Years @ 6.25%.
>>> Deposits are covered under Insurance Scheme from Deposit Insurance and Credit Guarnatee Corporation

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Savings Accounts

>>> Minimum balance of Rs. 1,000/-
>>> 4% Interest for saving account.
>>> SMS Alearts
>>> NEFT and RTGS arranged on demand.
>>> Interest on Savings Account is credited at the end of every quatrer.

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Current Accounts

>>> Minimum balance of Rs. 1,000/-
>>> RTGS & NEFT Facilities.
>>> Over Draft Facilities.
>>> Current Account for Partnership Firms.
>>> Current Account for Individuals & HUF.
>>> Current Account for Trusts / Clubs / Associations.
>>> Current Account for Companies.

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Purposes  : 
Personal Loan may granted for the purpose of 

a. Purchase of Consumer durables and furniture/ fixture/ computers
b. Repairs / renovation of flat / house
c. Purchase of 2 wheelers
d. Marriage & other religious ceremonies
e. Domestic / Foreign tours & travels
f. Repayment of existing debt
g. Medical expenses for self / family members
h. For any purpose which is acceptable to bank .

Eligibility of Loans : The intending parties must possess / proposed to purchase the minimum extent of land fixed by the Bank from time to time. The land so possessed / proposed to purchase, should be in the name of the borrower and should have clear title. The permanent employees of the Govt. /Semi Govt. Public limited Companies / Bank Employees may also be eligible for the loan provided they have atleast 7 to 10 years of service to reach superannuation.

Maximum Limit :  The maximum limit of Personal Loan is restricted to Rs. 50,000/-

Repayment Period : Repayment of Loan will be by way of monthly instalment & interest and extended over a maximum of 3 years.

Co-obligants (Sureties) : There shall be atleast one co-obligant / surety owing immovable property / salaried persons / or such other persons as decided by the Bank from time to time.

Security :  The Personal loan shall be secured by one members of the bank & surety owing immovable property.

Rate of Interest :  The Rate of Interest chargable at present is 11.90% per annum. which may vary subject to the loan policy of the bank from time to time. For prompt repayment of loan as per repayment terms, an amount to the extent of 1.0% intrest rebate will be given, calculated & reimburesed at the end of september & march of every year.

Penal Interest : Penal Intrest shall be charged at 2% pa above the normal intrest rate on overdue loans.

Share Linking : The Borrower shall hold shares of the bank to the extent of 5% of loan amount sanctioned.

Processing Fee : 0.5% of loans amount will be charged as processing fee.


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Corporate Office:
Chartered Sahakari Bank Niyamitha
No. 1, 1st Main, 1st Block Koramangala,
Bangalore - 560 034.

Phone : +91 080 2552 6266.
Fax : +91 080 2552 6299
E-mail : customercare@csbank.in

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