Loan sanctions follow a documented credit process: application, verification, appraisal note, committee or delegated sanction, documentation and post-disbursement monitoring. Rates and fees are taken from the active circular grid.

• Home / property linked — long-term needs with defined margin and security.
• Business / working capital — cash flow based for traders and small enterprises.
• Vehicle / consumer durables — term loans with hypothecation.
• Gold loan — against pledge of gold ornaments as per policy.
• Emergency / short-term — smaller ticket facilities for documented needs.

Exact eligibility, maximum tenure, processing fee and foreclosure norms are available at the branch and in sanctioned circulars.

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  Credit counselling & documentation