Loan against paper security is the obvious choice if you need a finance for meeting personal/ceremonial/medical expenses of self /dependent as well as Business needs.

Loan - Eligibility

Individual, Firm (Proprietary / Partnership, Pvt. / Public Ltd. Company).

Loan - Amount & Tenure

Loan Period

  1. Term Loan: Maximum 60 months or residual period of maturity whichever is shorter.
  2. Overdraft– 12 months, subject to Annual review. (subject to maturity date of securities)

Loan Amount

  1. Minimum: Rs. 25,000/-
  2. Maximum: Up to Banks exposure limit & MARGIN

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Loan - Other Information


@10% margin on face value of NSCs/KVPs if above 3 years and @20% for Other, & for Surrender value of Life Insurance Policy @10%. [Monthly Interest servicing is a must to maintain the margin.]

Share Holding

Rs. 1000/-


  1. Pledge of NSCs / KVPs duly discharged.
  2. Assignment of Life Insurance Policies
  3. Letter of Appropriation.

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