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Loans

Available Loans

Documents required

Immovable property loans

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Part A
  • Absolute Sale Deed
  • Possession Certificate/Release of Lease Agreement/Allotment Letter
  • Betterment charges paid receipt
  • Latest Khatha Certificate & Khatha Extract
  • Upto date tax paid receipt
  • Encumbrance Certificate for 30 years in Form No.15
  • Income Proof
  • Sanctioned Plan
  • Residential Address Proof
  • Building Photo
  • IT Returns for last 3 years along with Balance sheet and Profit and Loss Account statement duly certified by the chartered accountant
  • Salary slip/Salary certificate for the last 3 months of the applicant for salaried person

Documents required

House construction / repair / purchase loans

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Part A
  • Absolute Sale Deed
  • Possession Certificate/Release of Lease Agreement/Allotment Letter
  • Betterment charges paid receipt
  • Latest Khatha Certificate & Khatha Extract
  • Upto date tax paid receipt
  • Encumbrance Certificate for 30 years in Form No.15
  • Income Proof
  • Sanctioned Plan
  • Residential Address Proof
  • Building Photo
  • IT Returns for last 3 years along with Balance sheet and Profit and Loss Account statement duly certified by the chartered accountant
  • Salary slip/Salary certificate for the last 3 months of the applicant for salaried person
Part B Purpose of loan

For each purpose, the documents below must be submitted along with the Part A documents.

01
Building Construction
  • Sanctioned Plan
  • Estimate for Building Construction
02
Purchase of Property
  • Sale Agreement and documents related to the particular property
03
Building Renovation/Repair
  • Estimation for Building Repair/Renovation

Documents required

Business loan

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Part A
  • Absolute Sale Deed
  • Possession Certificate/Release of Lease Agreement/Allotment Letter
  • Betterment charges paid receipt
  • Latest Khatha Certificate & Khatha Extract
  • Upto date tax paid receipt
  • Encumbrance Certificate for 30 years in Form No.15
  • Income Proof
  • Sanctioned Plan
  • Residential Address Proof
  • Building Photo
  • IT Returns for last 3 years along with Balance sheet and Profit and Loss Account statement duly certified by the chartered accountant
  • Salary slip/Salary certificate for the last 3 months of the applicant for salaried person
Part B Purpose of loan

For each purpose, the documents below must be submitted along with the Part A documents.

  • IT Returns/VAT/TIN, Balance sheet and Profit and Loss Account Statement duly certified by the Chartered Accountant for last 3 years
  • Documents that prove the nature of Business
  • Project report duly certified by the Chartered Accountant

Documents required

Education loan

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Part A
  • Absolute Sale Deed
  • Possession Certificate/Release of Lease Agreement/Allotment Letter
  • Betterment charges paid receipt
  • Latest Khatha Certificate & Khatha Extract
  • Upto date tax paid receipt
  • Encumbrance Certificate for 30 years in Form No.15
  • Income Proof
  • Sanctioned Plan
  • Residential Address Proof
  • Building Photo
  • IT Returns for last 3 years along with Balance sheet and Profit and Loss Account of parents of the student duly certified by the chartered accountant
  • For salaried person Salary slip/Salary certificate for the last 3 months of parents of the student
Part B Purpose of loan

For each purpose, the documents below must be submitted along with the Part A documents.

01
Education Loan
  • Purpose Proof documents
  • Bonafide certificate from the Educational Institution

Documents required

Cash Credit / Overdraft Loan

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Part A
  • Absolute Sale Deed
  • Possession Certificate/Release of Lease Agreement/Allotment Letter
  • Betterment charges paid receipt
  • Latest Khatha Certificate & Khatha Extract
  • Upto date tax paid receipt
  • Encumbrance Certificate for 30 years in Form No.15
  • Income Proof
  • Sanctioned Plan
  • Residential Address Proof
  • Building Photo
  • IT Returns for last 3 years along with Balance sheet and Profit and Loss Account statement duly certified by the chartered accountant

Documents required

Personal loan

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  • 2 Passport size photos
  • Identity Proof
  • Residence Address Proof
  • Statement of account of the applicant for the past one year from their present bankers
  • Salary slips/Salary certificate for the last 3 months of the applicant in case of salaried person
  • Latest IT Returns for 3 years for salaried/professional/businessmen/self-employed applicant.
Loan Limit and Interest Rates

Loan limits and interest rates

Sree Subramanyeswara Co-operative Bank Ltd

w.e.f. 01-10-2026
01

Housing Loan

Maximum ₹.140.00 Lakhs

House Purchase, House Construction, Extension, Renovation, Clear Debts raised for Construction or Purchase

  • 1. Upto ₹.25.00 Lakhs9.25%
  • 2. Above ₹.25.00 Lakhs Upto ₹.70.00 Lakhs9.50%
  • 3. Above ₹.70.00 Lakhs9.90%
02

Site Purchase

BDA/KHB/Co-operative Societies (Approved By BDA First Allottee) & General

  • 1. Upto ₹.50.00 Lakhs11.00%
  • 2. Above ₹.50.00 Lakhs Upto ₹.300.00 Lakhs12.00%
03

Mortgage Loan Against Security of Property

  • 1. Upto ₹.50.00 Lakhs - 120/180 months12.50%
  • 2. Above ₹.50.00 Lakhs - 120/180 months13.50%
04

Business Development

As per Eligibility - 120 months

  • 1. Term Loan - Business General12.00%
  • 2. Women Entrepreneur11.00%
  • 3. MSME's/SME Term loan & other Priority Sector General12.00%
  • 4. MSME's/SME Term loan & other Priority Sector for Women Entrepreneur11.00%
05

Education Loans (Secured)

1. Studies within India

  • Maximum ₹.20.00 Lakhs - 60 months11.50%

2. Abroad (Outside India)

  • Maximum ₹.30.00 Lakhs - 60 months11.50%
  • (Excluding course period + 3/6 months moratorium period)
06

Vehicle Loan

1. Transport operators

  • 80% of Cost of Vehicle - 60 Months (Collateral security if required)12.00%

2. Two Wheelers / Four Wheelers (Own use)

  • 80% of Cost of Vehicle - 36/60 Months (Collateral security if required)12.00%

3. Used Vehicles (old whether Two/Four wheeler, less than 3 years)

  • 50% of the Value - 36/48 Months12.00%
07

Machinery and Movable Property Loan

Consumer Durables such as TV, Washing Machine, Computers etc.

  • 75% of Face Value - 60 Months13.00%
08

Government Securities Loans

NSC, KVP & LIC Policies

  • 75% of Face Value/Surrender Value whichever less Maximum ₹.5.00 Lakhs - 12 Months10.00%
09

Professional & Self Employment Loan

  • As per Eligibility – 60 Months10.50%
10

Cash Credit / Overdraft Loan

1. General

  • As per Eligibility – 12 months11.50%

2. Women Entrepreneur

  • As per Eligibility – 12 months11.00%
11

Personal Loan

  • Maximum ₹.5.00 Lakhs - 60 Months13.00% & 18.00%
12

Gold Loan

  • Bullet Payment upto ₹.10.00 Lakhs - 12 Months9.25%
  • EMI System Above ₹.10.00 Lakhs upto ₹.20.00 lakhs – 36 Months9.25%
13

“B” Extract Property in Greater Bengaluru Authority (GBA)

1. Mortgage / Purchase Loan

  • 1. Upto ₹.50.00 Lakhs - 120/180 months13.00%
  • 2. Above ₹.50.00 Lakhs to Rs.75.00 Lakhs - 120/180 months14.00%

2(i). Property located in Panchayat/Gramatana, 11B & Others except (CMC/TMC)

  • 1. Upto ₹.50.00 Lakhs - 120/180 months13.00%
  • 2. Above ₹.50.00 Lakhs to ₹.75.00 Lakhs - 120/180 months14.00%

2(ii). Housing - Where Plan approved by Competent Authority

  • Maximum ₹.75.00 Lakhs9.90%