Aadhaar Multistate Co-op Credit Society Limited Majalgaon has brought easy and attractive loan schemes for you.
✽ Gold Loan :
सोनेतारण कर्ज
This scheme provides instant loans to the members by pledging their own gold and silver jewelery for urgent work. The duration for this is 6 months to 12 months and Rs. 1,00,000. A loan of up to does not incur any stamp duty. 1,00,000 Rs. Further amount Rs. A stamp is taken. Payment can be made monthly or in one lump sum every 6 months.
✽ Salary Loan :
पगार तारण कर्ज
To avail this loan, the member has to be in government or semi-government service. Salary is paid less deduction every month under section 49 by pledging his salary slip and taking the undertaking of his chief officer.
Loan limit Rs. 3,00,000/-
Duration 2 to 5 years
Interest Rate 16% to 18%
✽ Vehical Loan :
वाहनतारण कर्ज
The said loan is for the members to purchase a car / motorcycle for their family or to purchase an auto, tempo, tractor or truck for their business.
Limit : Rs. 15,00,000/-
Loan Tenure : 24 to 72 months
Interest Rate 15% to 18%
Note :- The interest rate is determined by studying the mortgage and income of the said person.
✽ Home Loan :
घर बांधणी / दुरुस्ती कर्ज
This scheme provides loans to the members for construction or purchase or repair of their house after mortgaging their house.
Eligibility Limit : Rs. 15,00,000/-
Loan Tenure : 3 to 15 years
Interest Rate : 18%
✽ Business loan :
व्यवसायिक / नजरगहाण कर्ज
Business loans are provided to members to start new businesses or expand existing businesses.
Loan Limit : Rs. 15,00,000/-
Loan Tenure : 3 to 10 years
Interest Rate : 18%
✽ Personal Loan :
वैयक्तिक कर्ज
This loan is designed keeping in mind the urgent needs of the members. In this it is given to the eligible person without any reason on the guarantee of two zamindars after seeing his means of income.
Loan Limit : Rs. 50,000/-
Loan Tenure : 1 to 3 years
Interest Rate : 18%
✽ Cash Credit Loans :
कॅश क्रेडीट कर्ज
This scheme is created for the businessmen in which this loan is given to the concerned by looking at his business turn over and market credit.
Loan Limit : Rs. 15,00,000/-
Loan Tenure : 1 years
Interest Rate : 18%
✽ Employee Cash Credit Scheme :
कर्मचारी कॅश क्रेडिट योजना
This scheme is designed only for officers and employees. Headmasters, professors, principals and other officials face money problems in the last week of the month and then they have to borrow money from someone or moneylenders with interest. Aadhaar has started this scheme for the special category of officers as it raises the question of their reputation.
Loan Limit : 1 Lakh to 5 Lakh
Loan Tenure : 1 to 3 years
Interest Rate : 18%
✽ WareHouse Loan:
वेअर हाउस कर्ज
The said loan is given against the receipt of goods kept in the warehouse of traders and farmers.
Loan Limit : 25 Lakhs
Loan Tenure : 6 months to 12 years
Interest Rate : 15%
✽ Fixed Deposit Mortgage Loans :
मुदत ठेव तारण कर्ज
This loan is secured against the receipt of fixed deposit amount deposited by the members in their name with the institution. This loan is given in just fifteen minutes.
Loan Limit : 80% of deposit amount
Loan Tenure : 6 months to 1 year
Interest Rate : 12%
✽ Arwat Deposit Loan :
आर्वत ठेव कर्ज
These loan members open a Shubmangal Deposit / Lakshadhish Deposit account in their own name or in the name of their sons and daughters. Such account holders are immediately given a loan of 80% of their account balance at the time of their distress.
✽ LIC Receipt mortgage loan :
एल.आय.सी. पावती तारण कर्ज
This scheme is for those who have taken out their own insurance. Such people are given loans by securing insurance bonds.
Loan limit : Determined by looking at the surrender value.
Loan Tenure : 1 year
Interest Rate : 12%
✽ Pigmi Loan :
पिग्मी कर्ज
This scheme is for pygmy paying members. People who pay daily from their daily income. 80% of the amount deposited in the passbook of such members is immediately disbursed.