Loans

By the way of opening remarks, we can say that the bank has devised various loan schemes to satisfy the needs of all types of borrowers by offering very attractive and competitive interest rates, comfortable repayment period and nominal processing charges.


Loan Against Our Term Deposit

PurposeAll types of needs
Max. Loan Amount85%
Margin15%
PeriodTill Maturity of Term Deposit
ROI (Floating) Percentage p.a.1% over & above the ROI of Term Deposit
SecurityLien on Term Deposit
GuarantorsN.A.
Processing FeeN.A.
CollateralN.A.
Share Amount N.A.
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Loan Against Our Daily Deposit

Purpose All types of needs (Personal / Business)
Max. Loan Amount 85%
Margin 15%
Period Till Maturity of Term Deposit
ROI (Floating) Percentage p.a. 8.95
Security Lien on Term Deposit
Guarantors N.A.
Processing Fee N.A.
Collateral N.A.
Share Amount N.A.
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Gold Loan & Advances

Purpose All types of needs (Personal / Business)
Max. Loan Amount 65% of Market Value of Gold Ornaments as reported By our panel Valuer.
Margin 35%
Period Up to Rs. 2/- Lakhs (12 months) & Above Rs. 2/- Lakhs (60 Months)
ROI (Floating) Percentage p.a. General: 10.45
Ambar Sakhi: 9.95
Security Pledge of Gold Ornaments
Guarantors N.A.
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral N.A.
Share Amount As Per Bank's Circular
Mode of Repayment ECS/ PDC or Standing Instruction.
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NSC/ KVP/ LIC Policy Loans & Advances

Purpose All types of needs
Max. Loan Amount 70 % of Principal Amount of NSCs / KVP / Surrender Value of LIC Policies.
Margin 30%
Period Till Maturity of said Securities
ROI (Floating) Percentage p.a. General: 10.95
Ambar Sakhi: 10.45
Security Pledge of Original NSCs / KVP or Assignment on LIC Policies
Guarantors N.A.
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral N.A.
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Personal Surety Loan (Unsecured)

Purpose House Repairing / Renovation, Repayment of Debts, Purchase Home Appliances Religious Ceremonies, Purchase Gold Ornaments etc.
Max. Loan Amount Rs. 5/- Lakhs
Margin N.A.
Period Max 84 Months
ROI (Floating) Percentage p.a. General: 13.95
Ambar Sakhi: 13.45
Security Personal Surety
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Salary Deduction Loan (Unsecured)

Purpose House Repairing / Renovation, Repayment of Debts, Purchase Home Appliances Religious Ceremonies etc.
Max. Loan Amount Rs. 5 Lakhs
Margin N.A.
Period Max 84 Months
ROI (Floating) Percentage p.a. General: 13.95
Ambar Sakhi: 13.45
Security Personal Surety
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Business Loans & Advances

Purpose To Start a New Business Expansion of Existing Business, Purchase Plot for Factory, Purchase Shop / Office / Unit,Construction of Factory Shed, Working Capital Limit etc.
Max. Loan Amount Rs. 5/- Lakhs UnsecuredAbove ₹ 5 Lakhs as per Policy
Margin N.A. 25%
Period 84 Months 120 Months
ROI (Floating) Percentage p.a. General: 13.95
Ambar Sakhi: 13.45
General: 11.75
Ambar Sakhi: 11.45
Security Mortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Mortgage Loans & Advances

Purpose Expansion of Business, Personal Needs, Education, Repayment of Debts, Medical, Emergencies, Travel, etc. (The Loan is not available for Speculative purposes, trading in shares & others which have been Specifically prohibited by RBI)
Max. Loan Amount As per Bank Policy
Margin 25%
Period Max. 120 Months
ROI (Floating) Percentage p.a. General: 13.95
Ambar Sakhi: 13.45
Security Mortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Housing Loans

Purpose Purchase of Flat / House / Bungalow for own use
Max. Loan Amount As per RBI guidelines
Margin 25%
Period Max. 240 Months
ROI (Floating) Percentage p.a. General: 9.45
Ambar Sakhi: 8.95
Security Mortgage of Flat / House / Bungalow
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Vehicle Loan (Personal Use)

Purpose Purchase of Two Wheelers / Four Wheelers
Max. Loan Amount 75%
Margin 25%
Period 84 Months
ROI (Floating) Percentage p.a. General: 9.45
Ambar Sakhi: 8.95
Security Hypothecation of Vehicles
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Vehicle Loan (Commercial / Business Use)

Purpose Purchase of Commercial Vehicles i.e. (Trucks, Cranes, JCBs & Rikshaws etc.)
Max. Loan Amount 75%
Margin 25%
Period 84 Months
ROI (Floating) Percentage p.a. General: 9.95
Ambar Sakhi: 9.45
Security Hypothecation of Vehicles
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Vidyadan Education Loan

Purpose For Higher Education (Degree / Diploma / Professional Course from approved Educational Institute / University)
Max. Loan Amount Study in India : ₹ 10 Lakhs AND Study at Abroad : ₹ 20 Lakhs
Margin 25%
Period 60 Months or till completion of education / As per bank policy
ROI (Floating) Percentage p.a. General: 10.95
Ambar Sakhi: 10.45
Security Upto Rs. 5/- Lakhs - No Collateral Security, Above Rs. 5/- Lakhs Immovable Properties
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Yuva Education Loan

Purpose For Higher Education (Degree / Diploma / Professional Course from approved Educational Institute / University)
Max. Loan Amount Study in India : ₹ 10 Lakhs AND Study at Abroad : ₹ 20 Lakhs
Margin 25%
Period As per bank policy
ROI (Floating) Percentage p.a. General: 10.45
Ambar Sakhi: 9.95
Security Upto Rs. 5/- Lakhs - No Collateral Security, Above Rs. 5/- Lakhs Immovable Properties
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Safar Loan

Purpose For Tours and Traveling (Foreign of Domestic)
Max. Loan Amount Rs. 5/- Lakhs
Margin 25%
Period 60 Months
ROI (Floating) Percentage p.a. General: 10.95
Ambar Sakhi: 10.45
Security N.A.
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Swayamsiddha Loan (Only for Women)

Purpose To Start a New Business or Expansion of Existing Business
Max. Loan Amount Rs. 5000/-
Margin N.A.
Period 36 Months
ROI (Floating) Percentage p.a. Ambar Sakhi: 8.95
Security N.A.
Guarantors N.A.
Processing Fee Ambar Sakhi: N.A.
Collateral N.A.
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Samruddhi : Overdraft (Only for Women) (Financial Inclusion)

Purpose To Start a New Business or Expansion of Existing Business
Max. Loan Amount Rs. 25,000/-
Margin N.A.
Period 36 Months (Review & Renew)
ROI (Floating) Percentage p.a. General: -
Ambar Sakhi: 8.95
Security N.A.
Guarantors One or Two
Processing Fee General: N.A.
Ambar Sakhi: N.A.
Collateral N.A.
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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SSI Units - Loans & Advances

Purpose To Start a New Business or Expansion of Existing Business, Purchase Plot for Factory, Construction of Factrory Shed, Working Capital Limit etc
Max. Loan Amount 75%
Margin 25%
Period 120 Months
ROI (Floating) Percentage p.a. General: 11.95
Ambar Sakhi: 11.45
Security Mortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Chhaya Loan (Retired Persons Drawing Pension / Family Pension)

Purpose Medical Expenses, House Repair, Renovation, Foreign or Domestic Tours, Family Ceremonial function, Emergencies, Repayment of Debts, business loan & Limit Purchase Vehicle, Personal needs & Any Other
Max. Loan Amount Rs. 2.50/- Lakhs
Margin As Applicable
Period 60 Months
ROI (Floating) Percentage p.a. General: 10.95
Ambar Sakhi: 10.45
Security Mortgage of Land & Building, Factory Premises, Shops & Hypothecation of Plant & Machinery, Stocks / Debtors of Any other Tangible Securities.
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral As per Bank Policy
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Consumer Loan

Purpose Purchase Desktop , Computer / Laptop/ I - Pad,with Printer & other Accessories, TV, Fridge, LED, LCD, Consumer Durables , Purchase Vehicles,etc.
Max. Loan Amount Rs. 1.00/- Lakhs
Margin As Applicable
Period 24 / 36 / 48 / 60 Months
ROI (Floating) Percentage p.a. General: 12.95
Ambar Sakhi: 12.45
Security N.A.
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 1% On Loan Amount + GST as Applicable.
Collateral Term & Conditions Apply
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Rajani Loan (Only for Women)

Purpose To Purchase Desktop Computer / Laptop / I - Pad with Printer & Other Accessories
Max. Loan Amount Rs. 1.00/- Lakhs
Margin As Applicable
Period 60 Months
ROI (Floating) Percentage p.a. Ambar Sakhi: 10.45
Security N.A.
Guarantors One or Two
Processing Fee Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral Term & Conditions Apply
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Vikas Loan

Purpose To start a New Business or Expansion of Small Business
Max. Loan Amount Rs. 25,000/-
Margin 25%
Period 60 Months
ROI (Floating) Percentage p.a. General: 11.95
Ambar Sakhi: 11.45
Security N.A.
Guarantors One or Two
Processing Fee General: N.A.
Ambar Sakhi: N.A.
Collateral N.A.
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Décor Loan

Purpose All type of renovation & interior work of House / Bunglow / Factory / Unit / Shop / Offi ce / Basement Residential / Office Premises etc
Max. Loan Amount Rs. 5/- Lakhs (Unsecured) Rs. 30/- Lakhs (Secured)
Margin 25% 25%
Period 60 Months (Unsecured) 120 Months (Secured)
ROI (Floating) Percentage p.a. General: 10.95
Ambar Sakhi: 10.45
General: 10.95
Ambar Sakhi: 10.45
Security Unsecured Nil, Secured - Any Tangible ,Marketable Security except company shares
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral Term & Conditions Apply
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Housing Top-up Loan Scheme (Only for Existing Borrower's)

Purpose To Fulfill all Types of Personal Needs
Max. Loan Amount To the Extent of Existing Sanction Limit.
Margin 25%
Period 180 Months
ROI (Floating) Percentage p.a. General: Existing Housing Loan ROI will be Applicable
Security Continuation of Existing Mortgage.
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral Term & Conditions Apply
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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Ambar Pro Loans & Advances (Doctor, Lawyer, Engineer, Architect, Actuary, Surveyor, Valuer, Chartered Accountant, DMLT, Company Secretary etc. (Subject to holding valid License/ Registration Number for Profession)

Purpose All type of Renovation & Interior Work of Shop / Office / Residential cum Office Premises, Purchase all Type of Equipments, to fulfil Business / Professional Needs etc
Max. Loan Amount Rs. 5/- Lakhs (Unsecured) Rs. 50/- Lakhs (Secured)
Margin 25% 25%
Period 60 Months 120 Months
ROI (Floating) Percentage p.a. General: 10.95
Ambar Sakhi: 10.45
General: 10.95
Ambar Sakhi: 10.45
Security Unsecured - Nil Secured - Any TANGIBLE, Marketable Security except company shares
Guarantors One or Two
Processing Fee General: 1% On Loan Amount + GST as Applicable.
Ambar Sakhi: 0.50 % On Loan Amount + GST as Applicable.
Collateral Term & Conditions Apply
Share Amount As Per Bank's Circular
Pre-Repayment Charges No Pre-payment charges
Mode of Repayment ECS/ PDC or Standing Instruction.
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***Terms & Conditions Apply