Loan Schemes

Vishal MRN Souhard Pattin Sahakari Sangh Niyamit, Jamkhandi offers a wide range of loan facilities designed to support the personal, agricultural, business, housing, vehicle, education, and emergency financial needs of its members.

Our loan products are structured with convenient repayment options, competitive interest rates, transparent processing, and personalised guidance through our branches

A Harvesting & Transportation Loan is a short-term agricultural loan provided to farmers for meeting the expenses of harvesting sugarcane and transporting it to the sugar factory.

This loan helps farmers arrange funds at the right time without financial difficulty during the harvesting season.
A Mortgage Loan is a secured loan given against a customer’s owned property. The customer can mortgage a residential house, commercial building, shop, site, land, or other eligible immovable property to obtain funds from the Sahakari.
A Cash Credit Loan is a working-capital loan facility designed to help manufacturing units manage their regular business expenses. It provides funds for purchasing raw materials, paying workers, meeting production expenses and managing day-to-day factory operations.
A Vehicle Loan helps you purchase a new vehicle for personal, business, agricultural or commercial use. The bank provides finance for an eligible vehicle, and the borrower repays the loan in easy monthly instalments.
A Surety Loan is a loan provided based on the guarantee of one or more financially eligible persons, called Sureties / Guarantors. The guarantor agrees to repay the loan if the borrower fails to repay it as per the loan agreement.
A Loan Against Fixed Deposit is a secured loan facility offered against your existing Fixed Deposit (FD) held with the Sahakari. Instead of closing your FD before maturity, you can obtain a loan or overdraft against it to meet urgent financial needs.
A Medium Term Loan is a loan provided for meeting business, agricultural or personal financial needs that require repayment over a moderate period. It is suitable for customers who need funds for asset purchase, business development, expansion or other planned expenses.
A Loan Against Recurring Deposit is a secured loan facility available against your existing Recurring Deposit (RD) with the bank. It allows you to get funds for urgent needs without closing your RD before maturity.

Your RD account continues as per its terms, while the deposit is kept under lien as security for the loan.
A Gold Loan is a secured loan offered against gold ornaments. You can pledge eligible gold jewellery with the bank and receive funds for your personal, agricultural, business or emergency needs.

The pledged gold ornaments are kept safely with the bank until the loan amount, interest and applicable charges are fully repaid. After full repayment, the gold ornaments will be returned to the customer.

Loan Schemes

A Mortgage Loan is a secured loan given against a customer’s owned property. The customer can mortgage a residential house, commercial building, shop, site, land, or other eligible immovable property to obtain funds from the Sahakari.

A Cash Credit Loan is a working-capital loan facility designed to help manufacturing units manage their regular business expenses. It provides funds for purchasing raw materials, paying workers, meeting production expenses and managing day-to-day factory operations.

A Vehicle Loan helps you purchase a new vehicle for personal, business, agricultural or commercial use. The bank provides finance for an eligible vehicle, and the borrower repays the loan in easy monthly instalments.

A Surety Loan is a loan provided based on the guarantee of one or more financially eligible persons, called Sureties / Guarantors. The guarantor agrees to repay the loan if the borrower fails to repay it as per the loan agreement.

A Loan Against Fixed Deposit is a secured loan facility offered against your existing Fixed Deposit (FD) held with the Sahakari. Instead of closing your FD before maturity, you can obtain a loan or overdraft against it to meet urgent financial needs.

A Medium Term Loan is a loan provided for meeting business, agricultural or personal financial needs that require repayment over a moderate period. It is suitable for customers who need funds for asset purchase, business development, expansion or other planned expenses.