Loan Services
Land Mortgage Loan at 12% Interest
Secure your financial needs with the strength of your property. Our Mortgage Loan offers a reliable credit solution at a competitive interest rate of just 12% per annum.
Whether it’s for business expansion, education, or urgent financial requirements, this loan is designed to provide high-value funding against your residential or commercial property.
Key Features:
Attractive 12% interest rate
- High loan value based on property valuation
- Quick processing and transparent documentation
- Available to eligible Sangha members
Eligibility & Documents:
- Sangha membership
- Valid property documents (title deed, RTC, etc.)
- ID & Address proof
- Income proof or business documents (if applicable)
Jewel Loan Options
Unlock the value of your gold with our trusted and secure Jewel Loan schemes, tailored to suit your urgency, purpose, and repayment comfort. Whether you need quick funds or the lowest interest rate, we have a plan for you.
1. Jewel Loan Super Express – 12.5% Interest
For those who need immediate disbursement, this high-speed loan is processed within minutes, offering instant liquidity against your gold. Ideal for urgent personal or medical needs.
Farmers who have availed agricultural loans are eligible for a 0.5% reduction on the interest . Making it 12%
2. Jewel Loan Express – 11.5% Interest
A faster-than-usual processing option with a slightly lower interest rate, balancing speed and savings. Perfect for short-term financial commitments.
Farmers who have availed agricultural loans are eligible for a 0.5% reduction on the interest . Making it 11%
3. Standard Jewel Loan – 10% Interest
Our lowest interest rate on gold loans for members who prefer affordable borrowing with standard processing times. Best suited for planned expenses like education, weddings, or home needs.
Farmers who have availed agricultural loans are eligible for a 0.5% reduction on the interest . Making it 9.5%
Common Features:
- Minimal documentation
- Transparent valuation and weighing
- Secure storage of pledged gold
- Flexible repayment options
- Immediate customer service support
Vehicle Loan Options
Whether you’re buying your first vehicle or upgrading to a better one, Madanthyaru Primary Agricultural Credit Cooperative Society offers affordable and flexible vehicle loans tailored to your needs.
New Vehicle Loan – 11% Interest
Drive home a brand-new two-wheeler or four-wheeler with ease. Our New Vehicle Loan comes with a competitive interest rate of 11%, minimal paperwork, and quick processing—so you can focus on the road ahead.
Customers with agriculture loans receive a 0.5% interest concession For New Vehicle Loan
Used Vehicle Loan – 12% Interest
Buying a pre-owned vehicle? Our Old Vehicle Loan provides convenient financing at 12% interest, helping you make a reliable purchase without financial strain.
Loan Features:
- Easy EMI options
- Fast approval and disbursement
- Financing available for both two-wheelers and four-wheelers
- Flexible repayment tenure
Member-friendly documentation process
Designed to empower our farmer members, the Mangala Kissan Cash Credit scheme offers interest-free financial support to meet your seasonal agricultural needs—quickly and efficiently.
Key Benefits:
- 0% interest rate – Pay only the principal
- Tailored for farmers with up to 15 acres of agricultural land
- Available exclusively to registered members of the Sangha
- Comes under the NCS – Normal Credit Scheme
- Easy withdrawal and repayment through cash credit facility
Purchase of seeds, fertilizers, and farm inputs Labour and irrigation expenses Managing seasonal agricultural cycles smoothly
Eligibility:
Member of Madanthyar Krishi Pattina Sahakari Sangha Possession of up to 15 acres of agricultural land Satisfy norms under the NCS (Normal Credit Scheme)
Build your dream home with the support you can trust. Our Housing Loan at a competitive 12% interest rate is designed to help members construct, purchase, or renovate residential property with ease and confidence.
Loan Features:
- Attractive 12% annual interest rate
- Funding available for construction, purchase, or home improvement
- Transparent process with no hidden charges
- Support from application to registration
- Must be a member of the Sangha
- Valid income proof or repayment capacity
- Property should be within approved municipal or rural limits
Manage your working capital needs with ease through our Cash Credit Loan, designed to offer flexible access to funds for business, agriculture, or personal requirements.
Loan Slabs & Interest Rates:
- Up to ₹1,00,000 – Interest rate at 12.5%
- Above ₹1,00,000 – Interest rate at 13.5%
- Continuous cash flow through revolving credit
- Interest charged only on the amount utilized
- Easy documentation and quick disbursement
- Ideal for traders, small businesses, and self-employed individuals
- Must be a registered member of the Sangha
- Proof of income or business activity
- ID, address, and financial documents
Our Medium Term Agricultural Loan is specially designed to support farmers with affordable credit for essential agricultural investments and development.
Loan Highlights:
- Interest Rate: Just 3.00% per annum
- Purpose: Purchase of farm equipment, livestock, irrigation setup, or other agricultural inputs
- Flexible Repayment: Convenient terms aligned with crop cycles
Medium Term Pump Loan
Our Medium Term Pump Loan is designed to help farmers invest in reliable irrigation infrastructure by offering financial assistance at an affordable interest rate.
Loan Highlights:
- Interest Rate: 3.00% per annum
- Purpose: Purchase and installation of electric or diesel water pumps for agricultural use
- Repayment: Flexible terms to suit seasonal farming income
This loan supports better water management, increased productivity, and long-term agricultural growth.
Produce loans are provided to farmers to store their harvested produce in an approved warehouse, godown, or even at their residence. This enables them to wait for better market prices and sell their produce at a more profitable time.
Loan Highlights:
- Interest Rate: 12.5% per annum
