The Koylanchal Urban Co-operative Bank Ltd. : MissionNVision

Cash Credit

Rate of Interest (Cash Credit)

Limit	Liquid Security	Present (w.e.f 01.01.23)	Remarks
Upto 5 Lacs	40% - 30%	10.75%	*
above 5 to 10 Lacs	40% - 30%	10.75%	*
above 10 to 25 Lacs	40%	10.50%	*
(a) above 25 Lacs	20% and rest property	10.50%	*
(b) above 25 Lacs	only 40% Liquid Security	10.50%	*

Note:-
1. If Liquid Security given in C/C, then following ROI will be applicable :-
  
  Liquid Security Present (w.e.f 01.01.23) Remarks
  60% 10.50% Upto 5 Lakh
  75% 10.25% Upto 5 Lakh
  100% 10.00% Upto 5 Lakh
2. Loan against 100% liquid security up to 95% can be sanctioned by CEO/Branch Manager, of Face value or Present value.
3. Vehicle Loan (2/3/4 Wheeler) upto 2 lacs can be sanctioned by CEO on approval of Branch Manager.
4. Loan to BOD members can be given only against LIC & Bank deposit (in their own name).
5. Exposure norms – Individual borrower – upto Rs.50 Lacs only. – Group borrower – upto Rs.1 Corer only.
6. If any loan proposal is beneficial for the Bank, then the rate of interest, down payment and security can be changed by working committee / Chairman.

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