| Who can Borrow | Individuals (singly/Jointly) |
| Type of Loan | Overdraft |
| Purpose | Any purpose other than Speculation |
| Limit | up to 5 Lakhs |
| Security | Immovable property/Term deposits with the Society |
| Repayment Period | maximum 12 months (yearly renewal) |
| Moratorium | NA |
| Rate of Interest & Processing Fees | As applicable from time to time |
| Prerequisites/Documents | 1. Documentation including our lien / pledge on the securities |
| 2. Statement of operative Bank account for the last 6 months |
| 3. Compliance of KYC norms |
| 4. Stock statement if required. |
| 5. Add 3 year Income Tax Return |
| Required Document | 1) 3 years IT returns with audited balance sheet |
| 2) Project report |
| 3) Firm registration |
| 4) GST copy |
| 5) 25% on yearly turnover and 75% on workorder |
| 6) Property documents security |
| 7) Stock statement |
| 8) Every year renewal |
