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Financial Support for Employees

Medium Term Loan

Home / Medium Term Loan

Choose Your Loan Plan

Two tiers of financial assistance tailored to your repayment capacity.

Standard Medium Term Loan
  • Repayment Term: Max 160 months (or remaining service period less 3 months)
  • Take-home Pay: Applicant must get ¼ of gross salary in hand after deduction of EMI/interest
  • Service Match: Remaining service of borrower and guarantor(s) should be equivalent
  • Repayment Options: EMI (w.e.f. 07.02.2026) or Reducing Balance
View Conditions
Privileged Term Loan

₹ 25 Lakhs

Or as per the repayment capacity of borrower, whichever is less.


  • Repayment Term: Max 180 months (or remaining service period less 3 months)
  • Rate of Interest: 10.90% P.A.
  • Take-home Pay: Applicant must get 25% of gross salary in hand
  • Eligibility: Non-defaulter (NPA) in last 3 years, or regular CD recovery for last 3 years
Apply for Upgrade

Eligibility & Other Conditions

Compulsory Deposit

Minimum one Compulsory Deposit's Recovery must be received from salary.

Surety Guarantee Fund (SGF)

Rs. 5 for every thousand or fraction thereof. For renewals, SGF will be Rs. 5 per thousand on the sanctioned amount less the earlier outstanding balance.

No Objection Certificate

Member of other co-operative Bank/Credit society must produce an NOC from the said entity to avail the loan.

Guarantor Requirements

The remaining service of the borrower and guarantor(s) should be equivalent.

Required Documents

Official Valid Documents (KYC)
KYC documents for both the borrower and guarantor(s).
Latest Payslip
Will accept previous month's payslip till the 10th date of the current month.
NOC (If Applicable)
Required if you hold membership with another credit society.

Note: Repayment options include EMI (w.e.f. 07.02.2026) and Reducing Balance. For more details, please visit your nearest Branch.

Plan Your Future with Confidence

Our dedicated loan experts are ready to assist you in selecting the best plan for your needs. Visit your nearest branch or contact us at the head office.

Find Near Branch Talk to Expert
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