Gold Loans

Whenever you are in urgent need of cash, Gold Loans are a perfect choice. The Calicut Town Service Co-operative Bank offers loan against gold ornaments – a scheme designed to provide loan against pledged gold ornaments which is ideal to meet your immediate requirement of cash. The loan can be processed within a short span of time and the loan period can be for 3 months, 6 months, 1 year).

There are various gold schemes for the benefit of our customers. We also offer special interest rates for certain schemes.

Three Month Special Scheme

Interest Rate 7.50% per Month

Maximum of Rs.50 Lakhs can be availed as Gold loan.

Gold Loan Interest Rate

Agricultural Gold Loans

The Calicut Town Service Co-operative Bank has introduced agricultural Gold loans for farmers belonging to all categories. These loans too are provided at very low interest rates on pledging gold ornaments.

The Bank believes that the farmers need all the financial support to achieve some kind of self-sufficiency, hence have introduced the Agricultural Gold loan. Farmers are offered these loans whenever they are in need and since the interest rates are low, they would be able to meet their requirements without much of a difficulty and will feel comfortable even while paying back.

Vehicle Loans

Now bringing home the vehicle of your choice has never been simpler! At Calicut Town Service Co-operative Bank, we aim to make the experience quick, transparent and hassle-free. Attractive vehicle loans with low interest rates and your choice of payment structure through flexi EMIs make us the best choice for a vehicle loan.

Housing Loans

Building your own house is the dream of every person. But it is getting tougher and tougher for common people to realize their dream with the rising material costs and the ever-increasing square-feet rates. It has become a huge financial burden for the low and middle-income groups, but by availing a housing loan is the answer to all these needs.

The Calicut Town Service Co-operative Bank provides housing loans which would help you to build your sweet home. Loan amounts are sanctioned with special interest rates to reduce the financial load over you. Our main objective is to provide housing loans to individuals at competitive interest rates and longer terms considering their needs. Up to ₹50 lakh loan can be availed by customers.

Business Loans

Businessmen and industrialists need cash for running their business and also to meet their daily running costs. They always require cash for rolling purposes and the best possible way to keep the business alive is to rely on business loans. At the Calicut Town Service Co-operative Bank, we understand the needs and nature of various businesses and assist them in meeting their quick requirements by issuing business loans.

It is very easy to avail our business loans which are provided at special interest rates. Very little paper work is involved and that makes the whole process of sanctioning the loan easy and quick. All you need is the help of two other guarantors and you can avail this loan at good rates. The bank provides

House Repair Loans

You can now renovate your house with House Repair Loans from The Calicut Town Service Co-operative Bank! We provide loans not just for new homes but also to help you renovate and repair an existing property. With these loans you can upgrade your existing home to a contemporary design and a more comfortable living space. These loans are passed in very short periods of time without much paperwork and you can repay your loan in easy installments. You can avail these loans for enhancing your home in many ways like tiling and flooring, internal and external plaster and painting. These loans are available for both existing and new customers with easy and hassle free documentation.

Marriage Loans

Making a wedding successful involves a lot of planning and effort! Hotel bookings, Auditorium, Jewellery shopping, wedding invitations, deciding on the caterers and much more. Now fund your dream marriage with Marriage loans from the Calicut Town Service Co-operative Bank.

A marriage loan is available to people looking to meet their wedding expenses to make the wedding in the family a grand success. When planning for weddings the budget overshoots and the parents are sometimes forced to look to family and friends to tide them over. With our wedding loan, you need look no further as we extend to you the wedding loan with minimal formalities.

MSS Loans

MSS scheme loans can be availed by members of the MSS scheme. Almost 70% of the Sala amount is given as advance loan. Up to 50 Lakhs can be availed. As the Prized deposit amount is to be given as instalments, no further interest is charged for the remaining period.

Agricultural Loans

Require funds for agricultural purposes? Today the agricultural sector of the country is facing many challenges. Agricultural Loan is a loan scheme to provide support and encouragement to the agricultural sector.

Calicut Town Service Co-operative Bank offers Agricultural loans with attractive interest rates & easy installments. We provide loans to Agriculturists for a variety of purposes including farming, dairy development, poultry farming, the development of commercial horticulture, establishment of orchards and plantations etc. Our services cover the whole range of agriculture and allied activities with some of the unique features like, low interest rates, no intermediaries, less paperwork; easy instalments etc. are the main highlights of this loan.

Mortgage Loans

Mortgage loans are one of the easiest ways to get instant cash for big requirements. If you have a property of your own and you are in need of money, then you can pledge your property and be eligible for a loan up to ₹50,00,000/-. You can get the loan cleared without many formalities and you can quickly meet your needs.

At the Calicut Town Service Co-operative Bank, we help you to get quick property loans at attractive rates. Both residential and commercial properties can be pledged and hassle-free and speedy approvals are there for the loans.

Personal Loans

When it comes to raising money for a number of miscellaneous activities like a child’s education, a wedding or even a vacation abroad, many people find it difficult to raise the money to meet such needs. Calicut Town Service Co-operative Bank offers personal loans to comfortably meet all these requirements.

The Calicut Town Service Co-operative Bank offers instant personal loans at special interest rates to meet quick cash needs and can be repaid in comfortable installments. The loans are issued against personal guarantee or guarantee of other persons. The personal loan can also be issued at low interest rates on the basis of the salary recovery certificate.

Deposit Loans

The Calicut Town Service Cooperative Bank issues deposit loans to customers for their cash requirements. Up to 80% of their fixed deposits can be availed as loan which is quickly processed as well.

Overdraft Loans

Overdraft Loans are given to customers for an amount of up to ₹10 lakh to meet business purposes for a time period of 1 year. A Savings Bank account needs to be created to avail Overdraft Loans.

Kudumbasree Loans

The Calicut Town Service Co-operative Bank has been extending loans up to ₹5 lakh to Kudumbasree members on linkage basis. Up to ₹50,000 can be availed by a member of the joint liability group mutual security at liberal terms and conditions. The loan scheme is to help them get loans and save them from other moneylenders. The loan will help the Kudumbasree members to engage in profitable occupation and increase their family income. Up to ₹3 lakh can be availed by self-help groups registered with the Bank.