Our Services What We Offer
Loans
The Kurukshetra Urban Co-Op Bank is committed to providing its customers with flexible and affordable loan options to meet their financial needs. Whether you need funds for personal or business purposes, we have a loan product that is right for you. Here are some of the loan options we offer:
Home Loan
We offer home loan products that cater to various needs, including the purchase, construction, or renovation of a home. Our loan officers provide end-to-end support, including assistance with property search, documentation, and legal formalities. Visit us today to learn more about our home loan products and take the first step toward owning your dream home.
Business Loan
We understand that growing your business requires capital. That's why we offer business loans with competitive interest rates and easy repayment options to help your business succeed.
Joint Liability Group (JLG) Loan
We offer Joint Liability Group (JLG) loans to women engaged in agriculture, small business, or other economic activities. Our JLG loans provide financial assistance to groups of women who share the responsibility of repaying the loan. We also provide training and capacity-building support to our JLGs to help them manage their businesses more effectively. Visit us today to learn more about our JLG loans and how we can help you.
Gold Loan
If you need funds urgently, our gold loans offer a quick and easy solution. Our gold loan products are designed to provide you with the necessary funds against your gold assets.
Vehicle Loan
We offer vehicle loans to help you purchase your dream car or bike. Our vehicle loans come with competitive interest rates and flexible repayment options to make your dream a reality.
E-Rickshaw Loan
We provide E-Rickshaw loans for customers who want to buy electric rickshaws. Our loan officers work closely with customers to provide them with the right loan product. With our E-Rickshaw loan, we aim to promote sustainable transportation and help customers grow their businesses. Contact us today to learn more.
Dear Customer,
For Your Information The Bank is providing the interest rates on various loan account as per The Table Mentioned Below :
Loan Accounts
| Sl No. | Account Type | Interest Rate |
|---|---|---|
| 1. | Vehical Loan | 10.00 % |
| 2. | Housing Loan | 9.00 % |
| 3. | Loan Against Property, Retail Loan, Consumer Loan, Cash Credit Limit | 12.00 % |
| 4. | Loan Against NSC | 10.00 % |
| 5. | Loan Against self BANK TERM DEPOSIT | 1.00 % |
Term & conditions:
Loan Disbursement:
1. Loan Applicant must be a member of the bank.
2. Loan Applicant must be residing / Regular Employed within the prescribed area of the bank.
3. Loan Applicant have to invest in bank share capital @5% of the Loan disbursed amount.
4. Loan processing fee will be @0.50% for all kind of the loans of disbursed Amount.
5. For Renewal of Cash Credit Limit Loan processing fee will be @0.25% of the approved limit amount.
Repayment Loan:
1. Loan is to be repaid in equated monthly instalments (EMIs) over the tenure of the loan. The repayment of instalment commences from a date specified in the Loan
Sanction Letter.
Pre-Closure Charges:
1. At present is NIL.
For more information about Loan applicant can contact to the CEO of the bank in banking hours.
Deposit
The Kurukshetra Urban Co-Op Bank offers a variety of deposit products to help you grow your savings. Our deposit products are designed to provide you with the flexibility and security you need to manage your finances effectively. At The Kurukshetra Urban Co-Op Bank, we believe in providing our customers with safe and secure banking services. All our deposit products are backed by the Deposit Insurance and Credit Guarantee Corporation (DICGC) for up to Rs. 5 lakhs per depositor. Opening a deposit account with us is easy. Our customer service representatives are always available to help you choose the right deposit product for your financial goals. If you're looking for a safe and secure way to grow your savings, The Kurukshetra Urban Co-Op Bank's deposit products are a great choice. Visit us today to learn more about our deposit products and start saving for your future.
Saving
Our savings deposit products provide you with the flexibility to deposit and withdraw money at any time while earning interest.
Current
We offer a range of current account products that cater to the unique needs of businesses and institutions. Our current account products come with various features, including free NEFT/RTGS transfers, and SMS alerts, making banking convenient and hassle-free for our customers. We also provide checkbooks and overdraft facilities to manage cash flow effectively. All our current account products are backed by the latest security measures, ensuring your transactions are protected from fraudulent activities.
Fixed Deposit
Our fixed deposit products provide high-interest rates with guaranteed returns, making them a popular choice for long-term savings.
Recurring Deposit
Our recurring deposit products allow you to save a fixed amount every month, with interest rates that are similar to fixed deposits
Dear Customer,
For Your Information The Bank Has Revised The Interest Rates On All Fixed Deposits And Savings Account As Per The Table Mentioned Below :
Saving Accounts
| Sl No. | Account Type | Interest Rate |
|---|---|---|
| 1. | Saving Bank Account | 3.50 % |
| 2. | Saving Bank Account Premium | 6.50 % |
| 3. | Saving Bank Account Super | 7.50 % |
Fix Deposites
| Sl No. | Term Period | Interest Rate | Senior Citizen |
|---|---|---|---|
| 1. | 7 DAYS TO 14 DAYS | 4.50 % | 5.00 % |
| 2. | 15 DAYS TO 30 DAYS | 4.75 % | 5.25 % |
| 3. | 31 DAYS TO 45 DAYS | 5.00 % | 5.50 % |
| 4. | 46 DAYS TI 90 DAYS | 5.50 % | 6.00 % |
| 5. | 91 DAYS TO 179 DAYS | 6.00 % | 6.50 % |
| 6. | 180 DAYS TO LESS THAN 1 YEAR | 6.50 % | 7.00 % |
| 7. | 1 YEAR TO LESS THAN 15 MONTHS | 7.50 % | 8.00 % |
| 8. | 15 MONTHS TO 5 YEARS | 8.00 % | 8.50 % |
| 9. | MORE THAN 5 YEARS | 8.50 % | 9.00 % |