Personal Loan:

1. This loan is given to regular and associate members only. Loan is given against the personal guarantee of one or two members. After lapse of repayment period 2% penal interest will be charged. The monthly installment has to be paid along with interest on the date of borrowing. FIVE grace days are permitted from the date of borrowing. After the lapse of these grace days the borrower has to pay penal interest as per the slab rate
2. 2% processing fee will be charged at the time of disbursing the loan.
3. Income Proof Such as :Salary Certificate, IT Papers, income Affidavit is required with Address and ID Proofs

Loan against Term Deposits:

1. Loan against the following term deposit can be availed.
   1. A.Fixed Deposit
   2. B.Recurring Deposit
   3. C.Kalikamba Cash Certificate
   4. D.Kalikamba Dwigunapathra
   5. E.Lakshadheeshwara

Deposits, rate of interest applicable to such Loans is 2 percent above the rate applicable to the respective deposit.If interest is not paid for 3 consecutive months, then interest will be compounded.

Gold Pledge Loan:

1. This loan is granted against the security of gold ornaments. Rate per gram will be Rs 3000 it may Change according to prevailing market rate. Tenure of the loan is only one year. After the Lapse of one year loan has to be either closed or renewed. However, if the loan continues
2. 2% penal interest has to be charged along with normal interest.If interest is not paid for 3 consecutive months, then interest will be compounded.
3. 1% processing fee will be charged at the time of disbursing the loan.
4. Jewel appraising fee of Rs.5/- per 1 gram of pure gold with a minimum of Rs. 100/- has to be paid at the time of disbursing the loan.

Immovable Property Loan:

This loan is granted against legal mortgage of property title deeds.This loan also attracts legal fee, processing fee depending upon the amount of loan. Installment along with interest has to be paid on the date of borrowing with a grace period of 5 days from the due date of the installment. After the lapse of due date of the entire loan, if any balance isleft, then additional penal interest at 2% p.a has to be charged along with regular interest.

IP Plus Loan:

This Loan Scheme is newly introduced Uniqe Loan Scheme.This Loan is granted against legal mortgage of property title deeds This loan also attracts legal fee, processing fee depending upon the amount of loan. Installment along with interest has to be paid from the date of borrowing with a grace period of 5 days from the due date of the installment. This is working like overdraft account. Member borrower can withdraw and pay any number of times just by a request letter.

Site / Building Purchase Loan :

This loan is similar to Immovable property loan. But loan amt will be given to seller

Building Construction Loan:

Though this loan is similar to the immovable property loan, this loan is disbursed in stages in accordance with progress made in construction of the building.

Sulabha Loan:

This loan is granted against tangible securities like LIC policy, NSC, Indira Vikas Pathra, Kishan Vikas Pathra. No personal guarantee is insisted.

Kalikamba Jewel Purchase Loan:

Kalikamba Home Appliances and Furniture Loan:

1. These loans are given on the basis of security of hypothecation of goods purchased against the loan and depending on the repayment capacity of the borrower. Maximum Loan limit is Rs. 2 lakhs. Rate of interest is 16% p.a. Repayment period for loans up to 50000/- is 18 months. From Rs. 51000/- to Rs. 100000/- 24 months and above one lakh is 36 months.Security for loans up to one lakh, two guarantors.Above Rs. One lakh, tangible securities Along with two guarantors.
2. 1.5% loan processing fee will be charged.
3. Minimum shareholding of the borrower should be 10% of the loan amount.

Kalikamba School / College Fees Loan:

This loan is granted to pay the annual academic fees of the children of the members of our Sahakari and on the basis of repayment capacity of the borrower. Maximum loan limit is Rs. Two lakhs. Rate of interest is 15% p.a. Loan attracts 1.5% processing fee. Security of one guarantor up to Rs.20000/-Above Rs.20000/- loan, two guarantors or tangible securities like surrender value of LIC policies, NSCs, Gold jewels, immovable property documents etc. Cheque will be issued to school /college Minimum shareholding of the borrower should be 10% of the loan amount.