A loan is the act of giving money, property or other material goods to another party in exchange for future repayment of the principal amount along with interest or other finance charges. Advances are the source of finance, which is provided by the Banks to meet the short-term financial requirements in terms of a credit facility which should be repaid within one year.
VARIOUS LOAN PRODUCTS OFFERED BY US:
| PURPOSE | DCCB TO PACS | PACS TO FARMERS / ULTIMATE BORROWERS |
|---|---|---|
| ROI (%) | ROI (%) | |
| ST SAO(NORMAL) | 6 | 7 |
| ADDITIONAL ST SAO | 6.75 | 7 |
| ST(OTHERS) AGRI & ALLD. | 11 | 12.25 |
| TENANT FARMERS | 5.75 | 7 |
| KCC ANIMAL HUSBANDRY | - | 7 |
| LONG TERM LOANS | ||
| LT RYTHU NESTHAM | 11.25 | 11.75 |
| UPTO 3 YEARS | 10.75 | 11.25 |
| 3 – 5 YEARS | 10 | 11.5 |
| ABOVE 5 YEARS | 10.3 | 11.8 |
| LT Wash | 10.5 | 11 |
| WATERSHED/WADI | 6.16 | 6.66 |
| WEAVERS (SOCIETIES) | 9.25 | - |
| WEAVERS INDIVIDUAL(Mudra) | - | 11 |
| NFS | - | 14 |
| JLG (ALL PRODUCTS) | - | 14 |
| EDUCATION LOANS | - | 10 |
| SHG | ||
| UPTO RS.3.00 LAKHS | - | 7 |
| 3.01 LAKHS TO RS.5.00 LAKHS | - | 9.5 |
| 5.01 LAKHS TO RS.20.00 LAKHS | - | 9.9 |
| FPG | ||
| UPTO 3.00 L | - | 13 |
| ABOVE 3.00 L | - | 13 |
| FPO | ||
| LONG TERM | - | 12 |
| SHORT TEM | - | 12 |
| CASH CREDIT | - | 12 |
| PERSONAL LOANS | ||
| TO STAFF | - | 8 |
| TO PUBLIC | - | 12 |
| TO PACS STAFF | - | 10.5 |
| OVERDRAFT TO STAFF | - | 8 |
| HOUSE REPAIR | - | 11.5 |
| HOUSE MORTGAGE | - | 11.5 |
| HOUSE CONSTRUCTION | - | 9.9 |
| HOUSE CONSTRUCTION (COMMERCIAL) | - | 10.5 |
| CONSORTIUM LOANS | - | 9.90 |
| HOUSE CONSTRUCTION(STAFF) | - | 8 |
| VACANT SITE | - | 11.5 |
| VEHICLE LOAN(4 WHEELER) | - | 9.5 |
| VEHICLE LOAN(2 WHEELER)) | - | 9.5 |
| VEHICLE LOANS TO STAFF | - | 8 |
| CASH CREDIT – MSC | - | 4 |
| JAGANANNA THODU | - | 12 |
| PM SVANIDHI | - | 13 |
| CASH CREDIT LOANS | 11 | 12 |
| LOANS ON DEPOSITS | - | (+) 1.00 ON DEPOSIT RATE |
| NON-FARM SECTOR/PMEGP | - | 14 |
| CHC (ALL TYPES) | - | 12 |
| FISH ANDHRA | - | 10 |
| FISH FEED LOANS | - | 13.5 |
| PETTY TRADERS- INDIVIUALS | - | 13 |
| PMAY | - | 12 |
| PMFME | - | 14 |
| PM SURYA GHAR(1- 3 KW) | - | 7.25 |
| PM SURYA GHAR (4 KW and above) | - | 9.9 |
| INVOKED BG | - | 14 |
| LOANS TO DAIRY TIE UP | - | 12 |
| GOLD LOAN | ||
| GOLD LOANS AGRL UPTO TO 10.00 LAKHS(BULLET REPAYMENT) | - | 9.5 |
| GOLD LOANS NON AGRL UPTO TO 10.00 LAKHS(BULLET REPAYMENT) | - | 9.75 |
| TL- FARM GOLD LOAN(>Rs. 10Lk UP TO Rs. 25Lk) | - | 9.75 |
| COMMERCIAL GOLD LOAN(>Rs. 10Lk UP TO Rs. 25Lk) | - | 9.95 |