Personal / Regular Loan
Personal / Regular Loan - Max. up to Rs. 2,00,000/-
Personal / Regular Loan by Dhanyug Co-Operative (U) Thrift & Credit Society Ltd
Dhanyug Co-Operative (U) Thrift & Credit Society Ltd. offers Personal/Regular Loans to meet your financial needs with ease and flexibility. Whether it’s funding a personal project, consolidating debt, managing educational expenses, or fulfilling a dream, this loan is tailored to support your goals.
INTEREST
- 14.40% p.a. (1.20% p.m.) Reducing Balance
DOCUMENTS REQUIRED
- Photo Id Proof (Any like Voter ID Card, Aadhar Card, Pan Card etc.)
- Address Proof (Water/Electricity bill, Compulsory)
- Income Proof (3 years ITR, Salary Slip, Affidavit)
- 2 A/c Payee Cheques (CTS Cheques)
- 2 Latest Passport Size Photo.
- Rent Agreement (In case of tenant. Electricity/Water bill of Landlord compulsory)
CONDITIONS
- Must be a Member of the society.
- Share Money and Compulsory Deposit (CD) shall be min. 10 % each deposited into the account of the member.
- 2 Guarantor (Guarantor shall be the existing member of the society and should not be a defaulter)
LOAN TENURE & CHARGES
- Loan Tenure will be max. of 36 months (3 year)
- Non-payment of the instalment on Due date will incur 3% penalty interest extra to the member.
- Processing Charges (2%)
Key Features of the Personal/Regular Loan
Loan Amount
Members can avail of loans ranging from ₹25,000 to ₹5,00,000, depending on their financial requirements and eligibility.
Competitive Interest Rates
Enjoy low-interest rates that make repayment manageable and affordable.
Flexible Tenures
Choose from repayment tenures ranging from 1 year to 5 years, depending on your financial capacity.
Minimal Documentation
The application process is simple, with minimal paperwork required.
Fast Approval
Loan approvals are processed quickly, ensuring timely access to funds.
No Collateral Required
This is an unsecured loan, which means members are not required to pledge any assets as security.
Eligibility Criteria
- The applicant must be a member of Dhanyug Co-Operative (U) Thrift & Credit Society Ltd.
- Minimum age requirement: 21 years.
- The applicant must have a stable source of income (salaried or self-employed).
- Good financial and repayment history with the society.
Documents Required
- Identity Proof: Aadhar Card, PAN Card, or Voter ID.
- Address Proof: Utility bill, driving license, or ration card.
- Income Proof: Salary slips, bank statements, or proof of business income.
- Membership ID: Membership details of the co-operative society.
- Recent passport-sized photographs.
Benefits of Personal/Regular Loans
1. Multi-Purpose Loan
Use the loan for any purpose, including:
- Medical expenses
- Education fees
- Home renovations
- Weddings and celebrations
- Travel and vacations
- Debt consolidation
2. Easy Repayment Options
Flexible EMIs and tenure options allow you to repay at your own pace.
3. Instant Financial Relief
Get immediate funds to manage financial needs without dipping into your savings.
4. Transparent Terms
No hidden fees or charges ensure complete transparency.
Repayment Options
- Flexible Tenure: Choose a repayment period between 12 and 60 months.
- Affordable EMIs: Pay back the loan in easy monthly installments.
- Early Repayment: Prepay the loan at any time without penalty.
How to Apply for a Personal/Regular Loan
Step 1: Visit Our Office
Contact the nearest branch of Dhanyug Co-Operative to learn about the Personal/Regular Loan process.
Step 2: Submit Application Form
Fill out the loan application form accurately and provide all necessary details.
Step 3: Attach Required Documents
Attach the required documents for verification.
Step 4: Loan Approval
Once your application is reviewed and approved, the funds will be disbursed to your account promptly.
Why Choose Dhanyug Co-Operative for Personal Loans?
At Dhanyug Co-Operative (U) Thrift & Credit Society Ltd, we prioritize your financial well-being. Our Personal/Regular Loan is tailored to offer members flexible and affordable financial solutions with complete transparency and trust.
What Sets Us Apart?
- Competitive interest rates.
- Easy and hassle-free process.
- Flexible repayment terms.
- Trusted financial institution with a member-first approach.
Frequently Asked Questions (FAQs)
You can apply for a loan of up to ₹5,00,000, depending on your eligibility and financial history.
A guarantor may be required for certain loan amounts or based on your credit profile.
Yes, members with good repayment history may apply for an additional loan, subject to approval.
The loan is typically processed within 3-5 working days after all documents are submitted.
No, this loan is designed for personal use. For business needs, inquire about other loan options available.
Contact Us Today!
Need funds to meet your personal goals? Apply for a Personal/Regular Loan with us now!
- Phone: [+91-8750560254
- Website: [www.dhanyugsociety.com]
Empower your dreams with Dhanyug Co-Operative (U) Thrift & Credit Society Ltd – your trusted financial partner!