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The cooperative sector has been playing distinct and significant role in the process of socio-economic development of the country. Therefore, cooperatives have been accepted as the best agency for agricultural credit with their organizational potential to reach millions of farmers and thereby establish the grass-root contacts. Cooperatives are a major economic force in developed countries and a powerful business model in developing ones. View more
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Fixed Deposit

5.75%

Individual (365 Days)

6.25%

Senior Citizen (365 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.) : 30,00,000/-
  • Interest Rate : 8.55%*
  • Max. Term : 20 years

*Terms & Conditions Apply

Vehicle Loans

Two Wheeler

  • Maximum Loan Amount(In Rs.) : 10,00,000/-
  • Interest Rate : 9.50%*
  • Max. Term : 5 years

 

Car Loan

  • Maximum Loan Amount(In Rs.) : 30,00,000/-
  • Interest Rate : 8.50%*
  • Max. Term : 7 years

 

Commercial Vehicle

  • Maximum Loan Amount(In Rs.) : 40,00,000/-
  • Interest Rate : 10.50%*
  • 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%*
  • Max. Term : 3 Years

Consumer Durable Goods

  • Maximum Loan Amount(In Rs.) : 1,00,000/-
  • Interest Rate : 12.00%*
  • 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%*
  • 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 : 9.75%*
  • 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 : 9.75%*
  • Max. Term : 15 Years

*Terms & Conditions Apply

Higher Education Loan

Higher Education Loan

  • Maximum loan amount (In Rs.) : 20,00,000/-
  • Interest Rate : India 9%
  • Max. Term : 10 Years
  • Maximum loan amount (In Rs.) : 20,00,000/-
  • Interest Rate : Abroad 10%
  • 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 : 10.50%*
  • Max. Term : 15 Years for Loan & 1 Year for OD

*Terms & Conditions Apply

Institutional Loans

SR.TYPES OF LOANS & ADVANCESINTEREST RATE
1FOR THE DCCBS
1.1S.T. AGRI. LOAN
[1] NABARD SAO REFINANCE0.50% (MARGIN)
[2] NABARD ASAO REFINANCE1% (MARGIN)
[3] SAO FROM OWN FUND9% TO 10%
1.2MARKETING OF CROPS
[1] NABARD REFINANCE0.50% (MARGIN)
[2] LOAN FROM OWN FUND11%
1.3NABARD P.O.D.F SCHEME
NABARD REFINANCE0.50% MARGIN)
1.4NON AGRI. CASH CREDIT: (FOR DISTRICT BANK)
[1] NORMAL (MONTHLY INTEREST)10%
[2] FOR SUGAR FINANCE (HALF YEARLY INTEREST )12%
2NON AGRI. CASH CREDIT TO UCBS (MONTHLY INTEREST)12%
3FINANCE/REFINANCE TO DCCB /UCB UNDER INVESTMENT CREDIT (SCHEMATIC FINANCE)
(1) NABARD/SIDBI/NHB ETC.
– AGRI. AND FARM SECTOR0.75% (MARGIN)
– NON AGRI AND NON FARM SECTOR0.75% (MARGIN)
[2] REFINANCE FROM OWN FUND1% (MARGIN)
4DIRECT FINANCE TO CO-OP. INSTITUTIONS, COMPANY, & OTHER INSTITUTIONS
[1] PLEDGE CASH CREDIT10.50%
[2] HYPOTHECATION CASH CREDIT11%
[3] NON AGRI CASH CREDIT10%
[4] MEDIUM / LONG TERM LOAN10%
5BANK GUARANTEE – COMMISSION (QUARTERLY BASIS)
– 25% F.D.R + 75% BANK APPROVED SECURITIES2% + GST
– 100% F.D.R1% + GST
6LETTER OF CREDIT (L.C) (QUARTERLY BASIS)0.50% + GST
7CHEQUE/BILLS PURCHASE – EXCHANGE RATE0.50% + GST
8BILLS (USANCE TERMLY) RE-DISCOUNTING RATE ON CONFIRM L.C OF OTHER BANK12%
– OTHER BILLS (USANCE TERMLY) DISCOUNTING RATE12.50%
91(A). RISE IN INTEREST IN CASE OF MISSING THE INSTALLMENT/ DEFAULTING IN NABARD REFINANCE5%
1(B). RISE IN INTEREST IN CASE OF MISSING THE INSTALLMENT/ DEFAULTING IN FINANCE FROM MONEY LENDERS1%
2(A). RISE IN INTEREST IN CASE OF MISSING THE INTEREST/ DEFAULTING IN FINANCE FROM NABARD REFINANCE5%
2(B). RISE IN INTEREST IN CASE OF MISSING THE INTEREST/ DEFAULTING IN FINANCE FROM MONEY LENDERS1%

*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