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Fixed Deposit

6.80%

Individual (555 Days)

7.30%

Senior Citizen (555 Days)
More Rates
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The Gujarat State Co-operative Bank LTD.

Home / Property Loans

Being an Apex Bank, GSC serves not only the needs of retail customers but also of farmers, other District co-operative banks, trade and service sector and medium / small scale industries. GSC Bank offers a large bouquet of loan products specially designed to suit your personal needs.

  • Maximum Loan Amount(In Rs.) : Upto 75,00,000/-
  • Interest Rate : 8.80%* p.a. onwards
  • Max. Term : 20 years

*Terms & Conditions Apply

Vehicle Loans

Two Wheeler

  • Maximum Loan Amount(In Rs.) : 10,00,000/-
  • Interest Rate : 11.40%* p.a. onwards
  • Max. Term : 5 years

 

Car Loan

  • Maximum Loan Amount(In Rs.) : 30,00,000/-
  • Interest Rate : 9.80%* p.a. onwards
  • Max. Term : 7 years

 

Commercial Vehicle

  • Maximum Loan Amount (In Rs.) : 40,00,000/-
  • Interest Rate : 11.90%* p.a. onwards
  • Max. Term : 7 years

 

*Terms & Conditions Apply

Personal / Consumer Goods Loans

Personal Loan

  • Maximum Loan Amount(In Rs.) : 1,00,000/-
  • Interest Rate : 12.00%* p.a. onwards
  • Max. Term : 3 Years

Consumer Durable Goods

  • Maximum Loan Amount(In Rs.) : 1,00,000/-
  • Interest Rate : 14.90%* p.a. onwards
  • Max. Term : 3 Years

*Terms & Conditions Apply

Doctor Mitra Loan

For Individual Proprietorship and Partnership Firm

  • Maximum Loan Amount(In Rs.) : 60,00,000/-
  • Interest Rate : 9.75%* p.a. onwards
  • Max. Term :10 years term loan & 1 year for OD

For LTD. Co. / Incorporate Registered Body

  • Maximum Loan Amount(In Rs.) : 2,00,00,000/-
  • Interest Rate : 10.75%* p.a. onwards
  • Max. Term :10 years term loan & 1 year for OD
  •  

*Terms & Conditions Apply

Commercial Property Loan

Commercial Property Loan

Maximum loan amount (In Rs.)

  • 60,00,000/- for Individual, Proprietorship & Partnership firm
  • 2,00,00000/- for Ltd. Co. / Incorporate Registered Body
  • Interest Rate :  11.15%* p.a. onwards
  • Max. Term : 15 Years

*Terms & Conditions Apply

Higher Education Loan

Higher Education Loan

  • Maximum loan amount (In Rs.) : 20,00,000/-
  • Interest Rate : 10.90%* p.a. onwards
  • Max. Term : 10 Years

*Terms & Conditions Apply

Security Mortgage Loan / OD

Security Mortgage Loan / OD

  • Maximum loan amount (In Rs.) : 30,00,000/-
  • Interest Rate : 11.40%* p.a. onwards
  • Max. Term : 15 Years for Loan & 1 Year for OD

*Terms & Conditions Apply

Institutional Loans

SR. TYPES OF LOANS & ADVANCES INTEREST RATE(W.E.F:17/09/2021)
1 FOR THE DCCBS
1.1 S.T. AGRI. LOAN
[1] NABARD SAO REFINANCE 0.25% (MARGIN)
[2] NABARD ASAO REFINANCE 1% (MARGIN)
[3] SAO FROM OWN FUND 7%
1.2 MARKETING OF CROPS
[1] NABARD REFINANCE 0.50% (MARGIN)
[2] LOAN FROM OWN FUND 10%
1.3 REFINANCE OF NABARD’S PACS TO MSCS SCHEME
MARGIN AT INTEREST RATE
NABARD REFINANCE 0.50% (MARGIN)
1.4 NON AGRI. CASH CREDIT: (FOR DISTRICT BANK)
[1] NORMAL (MONTHLY INTEREST) 8%
[2] FOR SUGAR FINANCE (HALF YEARLY INTEREST ) 10%
2 NON AGRI. CASH CREDIT TO UCBS (MONTHLY INTEREST) 12%
3 DIRECT FINANCE TO CO-OP. INSTITUTIONS, COMPANY, & OTHER INSTITUTIONS
[1] PLEDGE CASH CREDIT 10.50%
[2] HYPOTHECATION CASH CREDIT 11%
[3] NON AGRI CASH CREDIT 10%
[4] MEDIUM / LONG TERM LOAN 10%
4 BANK GUARANTEE – COMMISSION (QUARTERLY BASIS)
– 25% F.D.R + 75% BANK APPROVED SECURITIES 2% + GST
– 100% F.D.R 1% + GST
5 LETTER OF CREDIT (L.C) (QUARTERLY BASIS) 0.50% + GST
7 BILLS (USANCE TERMLY) RE-DISCOUNTING RATE ON CONFIRM L.C OF OTHER BANK 12%
– OTHER BILLS (USANCE TERMLY) DISCOUNTING RATE 12.50%

*Terms & Conditions Apply

JLG / SHG Scheme Loans

JLG Scheme

  • Maximum Loan Amount(In Rs.) : 5,00,000/-
  • Interest Rate : 11%*
  • Max. Term (For Term Loan) : Upto 5 Years
  • Max. Term (For CC) : 1 Year

SHG Scheme

  • Maximum Loan Amount(In Rs.) : 1,00,000/-
  • Interest Rate : 11%*
  • Max. Term (For Term Loan) : Upto 5 Years
  • Max. Term (For CC) : 1 Year

*Terms & Conditions Apply

Agriculture Loans

Agricultural Term/Project Loan

  • Maximum Loan Amount(In Rs.) : As per CMA Norms
  • Interest Rate : 11.00%*
  • Max. Term : 15 years

*Terms & Conditions Apply

Solar Plant Loan

Solar Panel (1) (1)

Solar Plant Loan

Solar Plant Loan (Domestic)

  • Maximum Loan Amount(In Rs.) : 10,00,000/-
  • Interest Rate : 8.50%*
  • Max. Term :7 years

Solar Plant Loan (Commercial)

  • Maximum Loan Amount(In Rs.) : 15,00,00,000/-
  • Interest Rate : 8.75%*
  • Max. Term :7 years

*Terms & Conditions Apply