Kerala Co-op Bank Interest Rates | Home Loan | Personal Loan | Vehicle | Kissan Mithra
Kerala coop bank offers all type of loan at lower interest rates with minimal documentations. Borrowers can apply for home loan, personal loan, car loan, two wheeler loan, gold loan, education loans, Mangalya loan for marriages & personal needs.
| Loan Products and Rate of Interest | ||
| Type of Loans | Rate of Interest(%) | |
| KB- Housing Loan- Housing loan General, KB-Karshaka Awas,KB-Top-up, KB-PMAY-EWS/LIG, KB-PMAY-MIG-I &II | ||
| a)Up to Rs. 5 lakh | 9.00 | |
| b)Above Rs.5 lakhs & up to Rs.15 lakhs | 9.50 | |
| C)above Rs.15 lakhs | 9.75 | |
| House Maintenance / Addition/Renovation Work | ||
| Up to Rs. 5 lakh | 9.00 | |
| above Rs.5 lakhs | 10.00 | |
| KB-Personal Loan- For any legitimate Purpose | 12.00 | |
| Vehicle Loan | 11.00 | |
| Cash Credit | 11.00 | |
| Mangalya Loan- For meeting Marriage expense | 11.75 | |
| KB-Oridinary Mortgage Loan- For meeting any personal needs | 12.00 | |
| Education loan | 12.00 | |
| Gold Loan-General | 8.90 | |
| KB-Kissan Mithra(Gold OD)- For Agricultural and allied activicties ( Interest subvention 3 % allowed) | 7.00 | |
| KB-Mithra (MSME) Loan- All Business enterprises(Running/New) engaged in manufacturing/services and Trade sector will be covered under the scheme- for individual up to Rs.60 lakhs and others up to Rs.1 Crore | 8.75 | |
| KB-Micro Finance- To cater the needs of the members of SHG/JLG group | 9.00 | |
| KB-Pension Loan- For any personal purpose | 12.00 | |
| TYPE OF LOANS | MAXIMUM LOAN AMOUNT(in lakhs) | RATE OF INTEREST | PERIOD(in months) | |
| KB MITHRA(MSME) | For company 100.00 For individual- 60.00 | 8.75% | 84 | |
| KB SUVIDHA(MSME) | 10.00 | 9.00% | 120 | |
| KB YUVAMITHRA(MSME) | For company 100.00 For individual- 60.00 | 8.75% | 84 | |
| KB KISSAN MITHRA | Based on SoF | 8.50% | 12 | |
| KB MICRO FINANCE | SHG- 20.00 JLG- 10.00 | 9.00% | 36 | |
| KB SAHAJA ( MICROFINANCE) | SHG- 20.00 JLG- 10.00 | 9.00% | 36 | |
| KB PRAVASI KIRAN | 24.00 | 11.00% | 84 | |
| KB LT AGRICLUTURAL(NABARD REFINANCE) | For individuals 60.00 For others- As per NABARD guidelines | 9.00% | 180 | |
| KB-GOLD LOAN | 40.00 | 8.90% | 6 | |
| KB GOLD OVERDRAFT | 40.00 | 8.90% | 12 | |
| KB SUVEGA( VEHICLE LOAN) | 10.00 | 8.90% | 60 | |
| KB ORDINARY MORTGAGE LOAN | 60.00 | 12.00% | 120 | |
| KB PERSONAL LOAN | 5.00 | 12.00% | 60 | |
| KB PENSION LOAN | 1.00 | 11.00% | 24 | |
| KB HOME LOAN | 30.00 | 9.00 %onwards | 240 | |
| KARSHAKA AWAS | 10.00 | 8.75% onwards | 240 | |
| TOP -UP LOAN | 5.00 | 9.00% | 60 | |
| 15.3. PMAY LOAN | 30.00 | 9.00 %onwards | 240 | |
| KB SUVIDHA HOME | 10.00 | “ | 240 | |
| KB SHORT TERM/TERM LOAN TO TRAVEL & TOURISM SECTOR | 25.00 | 9.00% | 42 | |
| KB MICRO FOOD PROCESSING LOAN | 25.00 | 8.50% | 60 |
For any query you can directly contact with bank @
The Kerala State Co-Operative Bank Ltd,
PB No 6515, COBANK Towers,
Palayam, Thiruvananthapuram, Kerala. PIN 695 033
0471 – 2547200
Email Address kscb@keralacobank.com
