Services

Secure deposits, easy loans

Loans

Nedupuzha Service Cooperative Bank

House Loan


Helps you finance your dream home. It is a secured loan where you pledge property as collateral security.

Key Features:
  • Low rate of interest
  • Payments tied to construction milestones
Nedupuzha Service Cooperative Bank

Self Help Group Loan (Kudumbashree Loan)


SHG loans support groups of women or individuals coming together for financial empowerment.

Key Features:
  • Loans to groups, not individuals
  • Joint liability: Members guarantee each other's loans
  • Small loans for income-generating activities
  • Access credit without collateral
Nedupuzha Service Cooperative Bank

Kaipada Panayam Loan (KPL)


A loan against MSS (GDCs) Monthly Savings Scheme

Key Features:
  • Simple and quick documentation
Nedupuzha Service Cooperative Bank

Kissan Credit Card (KCC)


Kissan Credit Card (KCC Loan) provides timely credit for agricultural and allied activities.

Key Features:
  • 0% Interest up to 6 months under certain conditions
  • Credit for agricultural needs
Nedupuzha Service Cooperative Bank

Surety Loans


Loan based on employment certificate. Loans for government employees.

Nedupuzha Service Cooperative Bank

Furniture & Vehicle Loans


Helps to buy essentials like TVs, refrigerators, or washing machines. No collateral security needed. Vehicle loan helps you buy your dream ride.

Key Features:
  • 80% funding
  • 20% down payment
Nedupuzha Service Cooperative Bank

Simple Loans


The loan provides funds for various personal needs. No collateral required.

Key Features:
  • Tenure: 36 months
  • Advance amount options: 10,000 / 25,000 / 50,000
Nedupuzha Service Cooperative Bank

Kairaly Loan


This loan option is for small business needs with minimal documentation.

Key Features:
  • Loan amount: up to ₹50,000
  • Personal sureties: 3 sureties required
  • ROI: 6%
Nedupuzha Service Cooperative Bank

Gold Loans


Gold Loans are a quick way to get funds by pledging your jewellery.

Key Features:
  • Quick & easy disbursal
  • Flexible repayment
  • Loan amount up to 75% of gold value
Nedupuzha Service Cooperative Bank

Mortgage Loan (MTOL)


A mortgage loan is a secured loan where you pledge property as collateral to secure the loan.

Key Features:
  • Property pledge
  • Tenure - 10 years
  • ROI - As per rules of co-operative department
Nedupuzha Service Cooperative Bank

Deposit Loan


Deposit Loan is a type of loan where you can borrow against your Fixed Deposit (FD).

Key Features:
  • Quick & easy disbursal
  • 90% of FD value
  • ROI - 2% above FD interest rate

Deposits

Nedupuzha Service Cooperative Bank

Savings Bank Account


A Savings Bank Account allows you to deposit and withdraw money while earning interest, providing a safe place for your funds and encouraging savings habits. The bank also provides a Student SB Account.

Nedupuzha Service Cooperative Bank

Fixed Deposit


A Fixed Deposit is a low-risk investment option with fixed returns. The bank provides the best interest rates in the market.

Benefits:
  • Low risk
  • Guaranteed return
Fixed Deposit - Interest Rates
15 days to 45 days 6.25%
46 days to 90 days 6.75%
91 days to 179 days 7.25%
180 days to 364 days 7.75%
12 months to 23 months 8%
23 months and above 8%
Nedupuzha Service Cooperative Bank

Daily Deposit


A daily deposit scheme encourages regular savings habits.

Benefits:
  • Daily Deposit: Deposit a fixed amount daily
  • Tenure: 365 days
Nedupuzha Service Cooperative Bank

Weekly Deposit


A Weekly Deposit Scheme typically refers to a savings plan where you make regular, small deposits on a weekly basis to build up savings over time.

Facilities

Facilities for Your Everyday Banking

RTGS/NEFT

Fast and secure fund transfer services that allow customers to send money anywhere in India efficiently.

Safe Deposit Locker

A secure locker facility for safely storing valuable documents, jewelry, and personal belongings.

Daily Collection

A convenient doorstep collection service for daily savings, helping customers deposit money without visiting the bank.

Activities

Our Key Community Activities

Our activities are designed to support the community through essential services, welfare programs, and seasonal initiatives that meet everyday needs with care and commitment.

Ambulance Service
(Mobile Freezer)

A community support service providing timely ambulance assistance with a mobile freezer facility for safe and dignified transport during emergencies.

Fertilizer

Supplying quality fertilizers at fair prices to support local farmers and promote sustainable agricultural practices.

Onachantha

A special seasonal market organized during Onam to offer essential items and festive goods at cooperative rates for community benefit.

Student Market

A dedicated market providing students with stationery, study materials, and essentials at affordable prices.

Death Fund

A welfare scheme offering financial assistance to families during the difficult time of a member’s demise.

Risk Fund

A safety fund that provides financial support to members facing unexpected emergencies or unforeseen situations.

Member Relief Fund

A relief initiative designed to support cooperative members in times of hardship with timely financial aid.