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The determination of establishing the Financial independence has led to the foundation and framework of Nagrik Sahakari Bank.
Gold Jewellery Mortgage Loan

Short term Jewellery Loans


(A)

On short term loans on gold jewelry (for twelve months months upto Rs.2 lakh       

12% 

172 

12% 

(i)

On mid-term loans on gold jewelry (for sixty months months upto Rs.5 lakh)       

12.00 %

194

12.00 %

(ii)

Overdraft facility on gold jewelry ( for business) (for 12 months upto Rs. 10 Lakh)

13.00 %

215

13.00 %


  • 1. Loan of 70 percent of the amount according to the purity of jewellery - 10 grams of pure gold at Rs. 20000 / - at current market price at the rate of 70 percent or less.
  • 2. The loan period of 12 months. Then lump sum payment, not a monthly instalment.
  • 3. Loan amount up to a maximum limit of Rs 5 lakh given immediately.
  • 4. Per day loan lending
  • 5. Recovery of interest on the decreasing balance.



Medium term Jewellery Loan

  • Loan of 70 percent of the amount according to the purity of jewellery - 10 grams of pure gold at Rs. 20000 / - at current market price at the rate of 70 percent or less.
  • Loan amount up to a maximum of Rs 5 lakhs immediately.
  • Per day loan lending.
  • Maximum period of 60 months, loan repayment in instalments.
  • Recovery of interest on the decreasing balance.

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