Today in this article we will talk about KDCC Bank loan details, A lot of people still don’t know what is KDCC Bank. Before going to the loan details, Let’s know what is a KDCC bank.
KDCC Bank is a co-operative bank which is a financial institute like other banks in India. But this KDCC bank is not available everywhere in India.
KDCC Bank has many types of loans and it provides all the loans according to the customers. And this financial institution is coming by helping many people till date and this bank has a reputation as a good bank in the society.
Table Of Contents
- 1 What information will be in this article
- 2 Kdcc Bank Loan Details- Types of Loans
- 2.1 Brief details about the business loan
- 2.2 Brief details about the personal loan
- 2.3 Brief details about the term loan
- 2.4 Brief details about the Agricultural loan
- 2.5 Brief details about the non-agricultural loan for society
- 2.6 Brief details about the Supplementary loan
- 2.7 Brief details about the Cash Credit loan
- 2.8 What Is the loan application process for KDCC bank?
- 2.9 What is the loan approval time at KDCC Bank?
- 2.10 Final Thoughts on KDCC Bank Loan
What information will be in this article
What more information you will get in this article – In this article how to take loan from KDCC Bank, how is the process of taking loan, when to return the loan once taken, what is the loan interest rate and will be talked about the different terms and conditions related to the loan.
So let’s look at the main part of the Blog
Kdcc Bank Loan Details- Types of Loans
Here the details of the loan are given, and you can see which loan to take according to the purpose of you –
- Business Loan
- Personal Loan
- Term Loan
- Agricultural Loan
- Non-Agricultural Loan
- Supplementary Loan
- Cash Credit loan
Read Also:- Jupitar digital bank app
Brief details about the business loan
In this bank, there are four types of loans under the business loan, if you want to open a sugar factory, create some process organization or small and medium enterprises or you want to open a petrol pump, then you are eligible for a business loan.
| Sl N | Types Of Loan | Loan Amount | Interest Rate | Terms & Conditions |
| 01 | Sugar Factory Loan | Inquire at Nearest Branch | Inquire at nearest branch | Contact the nearest branch. |
| 02 | Process Organization Loan | Inquire at Nearest Branch | Inquire at nearest branch | Contact the nearest branch. |
| 03 | Development Loan (small & Medium Enterprises) | Up to 20 lakhs | Inquire at nearest branch | Contact the nearest branch. |
| 04 | Petrol Pump Loan | Inquire at Nearest Branch | Inquire at nearest branch | Contact the nearest branch. |
What Are The Documents Required For a KDCC Business Loan?
- Income proof
- Adhar card
- PAN card
- Land Documents
- Any other documents required by the bank.
What is the interest rate for a business loan?
The interest rate of this business loan is not given in the official site, the interest rate of a normal business loan is 12.50% to 19.50%.
If you want to know the exact rate of interest, then you can inquire at the nearest branch. You can also contact by clicking on the link given below.
NOTE – Contact Details
Brief details about the personal loan
There are 19 different types of loans available under the KDCC Bank personal loan.
Nowadays personal loan is essential, if you are facing any problem, want to buy some goods, or buy a new house, or buy new gold or some household items, then a personal loan proves to be very beneficial.
The detailed table of Personal loans is given below
| Sl N | Types Of Loan | Loan Amount | Interest Rate | Duration (Year) | Terms & Conditions |
| 01 | Loan against property for Businessman | 25 Lac for rural 40 Lac for Urban | 13% | 5 -7 Year | Contact the nearest branch. |
| 02 | Loan against property for Salary earners | 40 Lac | 13% | 15 Year | Contact the nearest branch. |
| 03 | Cash credit loan | 20 Lac | 12.50% | 1 Year | Contact the nearest branch. |
| 04 | Unnati Busines M.T Loan | Up to 10 Lac or 70% of plan estimate | 12.50% | 7 Year | Contact the nearest branch. |
| 05 | Cash Credit Loan (For Rural and Urban Businessman) | 20 Lac For Petrol Pump 5 Lac For Small Business | 12.50% | N/A | Contact the nearest branch. |
| 06 | Annasaheb Economical Backward Dev.Corp.Loan | 10 Lac | 12% | 5 Year | Contact the nearest branch. |
| 07 | Home Loan (Salaried / Businessmen) | 25 Lac | 12% | 15 Year | Contact the nearest branch. |
| 08 | Home Loan(Jay Jawan Home Loan Scheme) | 25 Lac | 11% | 15 Year | Contact the nearest branch. |
| 09 | Home Loan (Salaried) | 25 Lac | 12% | 20 Year | Contact the nearest branch. |
| 10 | Vehicle Loan(Humsafar Scheme) | 2-wheeler – Rs. 2.00 Lac 4-wheeler – Rs. 10.00 Lac | 13% | 5 Year for 1 Lac 7 Year for above 1Lac | Contact the nearest branch. |
| 11 | Overdraft Loan (Cash Credit) | 7 Lac | 13% | 1 Year | Contact the nearest branch. |
| 12 | Overdraft Loan (M.T Loan) | 5 Lac | 13% | 2 – 5 Year | Contact the nearest branch. |
| 13 | Overdraft Loan (Aanganwadi & Asha workers) | Per 8 Months Average Salary | 13% | N/A | Contact the nearest branch. |
| 14 | Aadhar Pension Loan Scheme (M.T) | 1 Lac | 13% | 3 Year | Contact the nearest branch. |
| 15 | Consumer Loan (M.T) | 1 Lac | 13% | 3 Year | Contact the nearest branch. |
| 16 | Consumer Loan (M.T.) | 1 Lac | Paid by Company | 3 Year | Contact the nearest branch. |
| 17 | Gold Loan | 2 Lac Rs. 2,220 Per gm God | 12% | 1 Year | Contact the nearest branch. |
| 18 | Loan Against NSC | Up to 85% of deposit amount | 12% deposit interest+1%Additional | 1 Year | Contact the nearest branch. |
| 19 | For Purchasing Milking Machine | 10% (Self Investment) 90% of quotation) | Paid by Company | 6 Months | Contact the nearest branch. |
For More Information You can Visit This link:- KDCC Personal Loan
What are the documents required for a personal loan in Kdcc bank?
- Income proof
- Adhar card
- PAN card
- Any other documents required by the bank.
What is the interest rate of a Kdcc bank Personal loan?
So we have come to know that from the above details, the maximum interest rate for a personal loan in KDCC Bank is 13% and the minimum starts from 11%.
So what are you waiting for, if you think this loan rate is right for you, then visit your nearest branch today and apply to get the loan of your choice?
Brief details about the term loan
Before knowing the details of a Term loan, it is very important to know what is a term loan.
In simple language, a term loan is a business loan, if you already have a business and you are thinking of expanding that business, then you are eligible for this loan.
Let us understand from an example, if you have a factory, to increase the production of that factory, you need a machine, or you need vehicles to deliver the goods to your factory, or you want to set up a new factory, then you can take this loan.
The detailed table of term loans is given below
| Sl N | Types of loan | Loan Amount | Interest Rate | Duration (Year) | Terms & Conditions |
| 01 | Textile sector Project Term loan | Eligibility – (+) Net worth (Net owens funds) | 12% – 13.50% | 6 – 7 Year | Contact the nearest branch. |
| 02 | Sugar Factory SEFASU Soft Loan | Eligibility – (+) Net worth (Net owens funds) | 12.50% | 5 – 7 Year | Contact the nearest branch. |
| 03 | Consortium Textile sector Project Term loan | Eligibility – (+) Net worth (Net owens funds) | 12% | 7 Year | Contact the nearest branch. |
What are the documents required for Term loan?
- Hyp deed.
- Pledge deed.
- Loan agreement.
- KYC details
- Promissory note.
What is the interest rate for Term Loan?
There are three types of term loans in KDCC Bank and the interest rates for all these loans range from 12% to 12.50%
Brief details about the Agricultural loan
There is no need to tell what is agriculture loan, India is an agricultural country, 70% of our economy comes from agriculture, all types of loans required by a farmer are available in this bank.
The detailed table of agricultural loans is given below
| Sl N | Types Of Loan | Loan Amount | Interest Rate | Duration (Year) | Terms & Conditions |
| 01 | ST(SAO) – KCC-Crop loan | 1 – 3 Lac depends of crops | 6% | 1 Year | Contact the nearest branch. |
| 02 | Additional ST (SAO)-KCC | Small amout Loan | 14% | 1 Year | Contact the nearest branch. |
| 03 | Purchase of Agri. implement & machinery | Will pay the price of the product | 13% | 5-9 Year | Contact the nearest branch. |
| 04 | Greenhouse Loan | Up to 10 Lac or 70% of plan estimate | 13% | 5-9 Year | Contact the nearest branch. |
| 05 | Farm Related Machinery Loan (oil eng, electric motor, pipe, pump, drip) | Will pay the price of the product | 13% | 5 -9 Year | Contact the nearest branch. |
| 06 | Reclamation & Land purchase loan | Product Value | 13% | 5 -9 Year | Contact the nearest branch. |
| 07 | Construction of farm Building & Structures | Product Value | 13% | 5-7 Year | Contact the nearest branch. |
| 08 | Dev.loans to plant,Horti Forestry & wasteland | Product Value | 13% | 5-7 Year | Contact the nearest branch. |
| 09 | Purchase of Miltch animal & Dairy Dev. | Product Value | 13% | 5 Year | Contact the nearest branch. |
| 10 | Purchase of sheep, Goat,Piggery, Emu etc. | Provides estimate value | 13% | 5 Year | Contact the nearest branch. |
| 11 | Poultry Farming | Product Value | 13% | 5-7 Year | Contact the nearest branch. |
| 12 | Agri Clinic & Agribusiness | Provides estimate value | 13% | 5 – 7 Year | Contact the nearest branch. |
| 13 | Bio gas & Toilet | Provides estimate value | 13% | 5 Year | Contact the nearest branch. |
| 14 | Vehicle Loan | Product Value | 13.50% | 5 Year | Contact the nearest branch. |
| 15 | Consumption /Consumer Loan | Product Value | 13.50% | 5 Year | Contact the nearest branch. |
| 16 | Business loan, Project finance, Self-employment | 1 Lac | 14% | 5-7 Year | Contact the nearest branch. |
| 17 | Kisan Sahay Yojana | 1000 -2000/ are | 13.50% | 5 Year | Contact the nearest branch. |
| 18 | Housing | Provide after estimation | 15% | 13 Year | Contact the nearest branch. |
| 19 | Education Loan | Academic fee | 13% | 9 Year | Contact the nearest branch. |
For More Information You can Visit This link:- KDCC Agricultural Loan
What are the documents required For Agricultural Loan?
- Income proof
- Adhar card
- PAN card
- Project report
- 7/12 extract
- Quotation
- Plan and estimate of Engineer
- Any other documents required by the bank.
Note:- Which document is needed will depend on your loan
What is the interest rate for an Agricultural Loan?
There are 19 different types of loans under KDCC Bank’s Agricultural loan. If we want to konw the interest rate of agriculture loans, then the minimum can be from 12% to the maximum of 13.50%.
What are the eligibility criteria for a business loan in Kdcc bank?
- You should member of PACS
- You should have agricultural land
- Non-defaulter
- Student eligibility (For education loan)
- Course eligibility (For education loan)
Brief details about the non-agricultural loan for society
| Sl N | Types Of Loan | Feature of Loan | Interest Rate | Duration (Year) | Terms & Conditions |
| 01 | Salary Earners Society | Cash credit | 11.50% | 1 Year | Contact the nearest branch. |
| 02 | Urban / Co-op. Credit Society | Cash credit | 12% | 1 Year | Contact the nearest branch. |
| 03 | Urban Co-op. Bank | Cash credit | 12% | 1 Year | Contact the nearest branch. |
| 04 | Industrial Society | Cash credit | 12% | 1 Year | Contact the nearest branch. |
| 05 | Weavers Society | Cash credit | 12% | 1 Year | Contact the nearest branch. |
| 06 | Poltary Society | Product Value | 12% | 1 Year | Contact the nearest branch. |
| 07 | Poltary Society | M.T Loan | 12.50% | 1-7 Year | Contact the nearest branch. |
| 08 | Village Artishian Society | M.T Loan | 12.50% | 1-7 Year | Contact the nearest branch. |
| 09 | Consumer Society | Cash credit | 12% | 1 Year | Contact the nearest branch. |
| 10 | Consumer Society | HYP | 12% | 1 Year | Contact the nearest branch. |
For More Information You can Visit This link:- KDCC Non-Agricultural Loan
What are the documents required for non-agricultural loan?
- Loan Application Form
- Promissory note.
- Continuity Guarantee Bond
- General Assets and other essential resolutions.
What is the interest rate for a non-agricultural loan?
Your minimum interest rate in non-agriculture loans will be 11.50% and a maximum up to 12.50%
Brief details about the Supplementary loan
Now we will talk about the supplementary loans in KDCC bank loan details. Supplementary loan in KDCC Bank is divided into 4 categories.
These are –
- Purchase of Milking Machine
- Self-Help Groups Cash Credit
- Educational Loan
- Annasaheb Patil Economic Development Mahamandal
The detailed table of Supplementary loans is given below
| Sl N | Types Of Loan | Loan Amount | Interest Rate | Duration (Year) | Terms & Conditions |
| 01 | Purchase of Milking Machine | Contact the nearest branch. | Contact the nearest branch. | N/A | Contact the nearest branch. |
| 02 | Self-help Group cash credit | Up to 10 Lac | Contact the nearest branch | Contact the nearest branch | Contact the nearest branch. |
| 03 | Educational Loan | Up to 10 Lac | Contact the nearest branch | Contact the nearest branch | Contact the nearest branch. |
| 04 | Annasaheb Patil Economic Development Mahamandal | Contact the nearest branch | Contact the nearest branch | Contact the nearest branch | Contact the nearest branch. |
For More Information You can Visit This link:- KDCC Supplementary loans
What are the documents required for supplementary loans?
- Income proof
- Adhar card
- PAN card
- Any other documents required by the bank.
What is the interest rate for supplementary Loans?
The interest rate is not given in the official website, you will have to go to the nearby branch and get the information.
Brief details about the Cash Credit loan
| Sl N | Types Of Loan | Loan Amount | Interest Rate | Duration (Year) | Terms & Conditions |
| 01 | Sugar fac Ssk & Private Pledge | Eligibility – (+) Net worth (Net owens funds) | 11% | 1 Year | Contact the nearest branch. |
| 02 | Sugar fac Ssk & Private Buffer stock | Eligibility – (+) Net worth (Net owens funds) | 11% | 1 Year | Contact the nearest branch. |
| 03 | Sugar fac Ssk & Private Export sugar | Eligibility – (+) Net worth (Net owens funds) | 12.50% | 1 Year | Contact the nearest branch. |
| 04 | Sugar fac Ssk & Private Preseasonal | Eligibility – (+) Net worth (Net owens funds) | 12% | 1 Year | Contact the nearest branch. |
| 05 | Sugar fac Ssk & Private H & T Short term loan | Eligibility – (+) Net worth (Net owens funds) | 12.50% | 1 Year | Contact the nearest branch. |
| 06 | Consortium Pledge | Eligibility – (+) Net worth (Net owens funds) | 12% | 1 Year | Contact the nearest branch. |
| 07 | Consortium Private sugar Preseasonal | Eligibility – (+) Net worth (Net owens funds) | 14% | 1 Year | Contact the nearest branch. |
| 08 | Consortium Private H&T Short Term Loan | Eligibility – (+) Net worth (Net owens funds) | 14% | 1 Year | Contact the nearest branch. |
| 09 | Ethenol S.T Loan Sugar fac Ssk & Pvt. | Eligibility – (+) Net worth (Net owens funds) | 12.50% | 1 Year | Contact the nearest branch. |
| 10 | Bridge loan / Sugar fac Ssk & Pvt. | Eligibility – (+) Net worth (Net owens funds) | 13.50% | 1 Year | Contact the nearest branch. |
| 11 | Soft Loan / Gap loan | Eligibility – (+) Net worth (Net owens funds) | 12% | 1 Year | Contact the nearest branch. |
| 12 | HYP Loan st Sugar fac Ssk and Private limited | Eligibility – (+) Net worth (Net owens funds) | Upto 13% | 1 Year | Contact the nearest branch. |
| 13 | CO-GEN. Short Term Sugar Factory | Eligibility – (+) Net worth (Net owens funds) | 12.50% | 1 Year | Contact the nearest branch. |
For More Information You can Visit This link:- KDCCcash credit loans
What are the documents required for cash credit loans?
- Pledge deed.
- Hyp deed.
- Promissory note.
- Loan agreement.
- KYC.
- Income proof
- Adhar card
- PAN card
- Any other documents required by the bank.
What is the interest rate for cash credit Loans?
Everest interest rates for cash credit loans range from 11.50% to 13.50%
What Is the loan application process for KDCC bank?
You can apply for a loan in KDCC Bank both offline and online.
If you have any difficulty in going to the branch, then you can easily apply for the loan from your mobile or laptop while sitting at home.
Online Application Form
What is the loan approval time at KDCC Bank?
Once you apply for the loan, your loan gets approved in less time. And sometimes the loan approval time also depends on your loan.
Final Thoughts on KDCC Bank Loan
You can easily get all the loans according to the purpose of a person in this bank.
If you want a business loan or education loan or home loan or gold loan, you can get all these loans at a competitive interest rate, repayment system and customer service of this bank is also very good.
If you liked reading this article or found it informative, then definitely tell in the comment section and if anyone needs this information, then share it. Thank you
