Loans

Loan Products

Narayanaguru Urban Co-operative Bank offers Housing, Mortgage, Gold, and Vehicle Loans — all with attractive interest rates and flexible terms — to help you achieve your financial goals.

Interest rates are indicative and subject to change. Please visit the nearest branch for current rates and terms.

Loan Interest Rates

Sl. No.	Type of Loan	Rate of Interest (% p.a.)	Maximum Limit	Repayment Period	Remarks
1	Gold Loan	12.00%	As per valuation	12 months	Quick sanction, minimal documentation
2	Housing Loan	11.50% – 12.50%	₹40 Lakhs	Up to 15 years	For purchase / construction of house
3	Mortgage Loan	12.50%	₹30 Lakhs	Up to 120 months	Against property mortgage
4	Vehicle Loan (Two Wheeler)	13.00%	₹1.50 Lakhs	Up to 36 months	For new two-wheelers
5	Vehicle Loan (Four Wheeler)	12.50%	₹12 Lakhs	Up to 60 months	For new/used cars
6	Consumer / Personal Loan	14.00%	₹5 Lakhs	Up to 36 months	For personal needs
7	FD / RD Loan (Overdraft)	FD rate + 2%	90% of FD value	Up to FD maturity	Against own Fixed Deposit

Note: The above rates are indicative. Actual rates may vary based on applicant profile, security, and RBI directives. Please contact any branch for the latest rates and eligibility.

Why Choose Our Loans?

Quick Sanction

Fast processing with minimal documentation for eligible customers.

Competitive Rates

Attractive and competitive interest rates tailored for co-operative banking members.

Flexible Repayment

Flexible EMI options and repayment periods to suit your income flow.