New Awadh Cooperative Urban Thrift and Credit Society Ltd.

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Regular/Ordinary Loan

	Loan Limit of members	Upto Rs. 2,00,000/-
	Maximum Installments	50 Months installment
	Interest Rate	16.20% per annum (Reducing balance)
		Rs.10,001/- to Rs. 30,000/- One Surety
		Rs. 30,001/- to Rs. 60,000/- Two Surety
		Rs. 60,001/- to Rs. 2,00,000/- Three Surety
	Loan Charges	Common Welfare Fund 1% of Loan Amount
		Loan Processing Fee ½% of Loan Amount
	Required Documents	Copy of ID Proof (Voter I-card, Aadhar Card/DL), Electricity/Water/Telephone Bill, Pan Card,ITR/Income Proof, Bank Passbook,one photo of Borrower and one Photo ID & Photo of all sureties.
	Others	10% Shares of Loan sanctioned amount of Borrower all sureties.

Emergency Loan

	Loan Limit of members	Upto Rs. 10,000/-
	Maximum Installments	10 Months installment
	Interest Rate	16.80% per annum (Reducing balance)
	Required Sureties	Upto Rs. 10,000/- One Surety
	Required Documents	Copy of ID Proof (Voter I-card, Aadhar Card/DL), Electricity/Water/Telephone Bill, one photo of Borrower and one Photo ID & Photo of surety

Loan against Deposits

	Loan Limit of members	Upto 90% of Principal Value of Deposits
	Maximum Installments	As per maturity of Deposits
	Interest Rate	Plus 2% of Deposit Rate
	Required Sureties	No surety required
	Required Documents	Original certificate of Deposits & one Photo.

Loan against Property

	Loan Limit of members	Upto Rs. 20,00,000/-
	Maximum Installments	100 Months installment
	Interest Rate	15.00% per annum (Reducing balance)
	Required Sureties	Two Sureties
	Property Details	Registered Property with proper chain in original.
	Required Documents	Copy of ID Proof (Voter I-card, Aadhar Card/DL), Electricity/Water/Telephone Bill, one photo of Borrower and one Photo ID & Photo of sureties
	Common Welfare Fund	½% of Loan Amount
	Loan Processing Fee	Rs.2,000/-

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