Bank Loan Schemes
Property
Mortgage Loan Against Property
Term loan against residential / commercial property at low interest for trade, business & professionals.
Quantum
Min ₹1 Lac — As per Bank Exposure
Interest
As per prevailing rate
Property
Mortgage Overdraft Limit Against Property
OD facility against mortgage of property for trade, commerce, business, professionals & self-employed.
Quantum
Min ₹1 Lac — As per Bank Exposure
Interest
Monthly basis (CC/Hyp rate)
Business
Working Capital (C.C.) Limit
Hypothecation limit against stock for trade, commerce & business at low interest.
Quantum
Min ₹1 Lac — As per Bank Exposure
Interest
Prevailing rate (monthly)
Business
Business Loan / C.C. Limit
Working capital / loan against stock for small trade and business with small net worth.
Quantum
₹0.25 Lac – ₹1.00 Lac
Interest
Prevailing rate (monthly)
Housing
Housing Loan
Finance purchase of land, construction or purchase of house/flat, or repair/renovation.
Quantum
Max ₹70 Lac
Interest
Floating (reducing balance, monthly)
Vehicle
Vehicle Loan
Finance for new/second-hand 2/3/4 wheelers for personal, commercial or taxi use.
Quantum
75%–85% of vehicle cost
Interest
As applicable from time to time
Business
Commercial Building / Shop Loan
Purchase or construction of commercial building / shop for self-employed, professionals & businesses.
Quantum
48× monthly income or 4× yearly income
Interest
Prevailing rate (monthly)
UMUCB Scheme
UMUCB Computer / Consumer Loan Scheme
Finance for PC, laptop, accessories & consumer durables. Exclusively for women borrowers.
Quantum
70% of cost — Max ₹1,00,000
Interest
12% (Floating)
UMUCB Scheme
UMUCB Holiday Loan Scheme
Finance travel expenses for pilgrimage, tours, excursions within India or abroad.
Quantum
₹50,000 – ₹2,00,000
Interest
Floating (Board decision)
UMUCB Scheme
UMUCB Education Loan Scheme
Finance higher studies in India or abroad. Mother / Guardian as principal borrower.
Quantum
Max ₹20 Lac (India) / ₹25 Lac (Abroad)
Interest
As per Board decision
UMUCB Scheme
UMUCB Roof Top Solar Plant Loan Scheme
Finance rooftop SPV installation (on-grid / off-grid) for women & institutions.
Quantum
80% of project cost — Max ₹10,00,000
Interest
Floating (Board decision)
UMUCB Scheme
UMUCB Personal Loan
Quick personal finance for salaried employees via salary deduction or PDC.
Quantum
Up to ₹2 Lac (undertaking) / ₹1 Lac (PDC)
Interest
As per Board decision
Specialty
Bank Guarantee
Financial guarantees only. Maturity up to 10 years. Volume limited to 10% of owned resources.
Quantum
As per Bank exposure / Board policy
Interest
N/A
Specialty
Loan Against Bank's Own Deposits
Quick loan against your own FDR without breaking the deposit. Up to 85% of deposit value.
Quantum
Up to 85% of deposit value
Interest
As per Bank norms
Specialty
Advances Against Security of NSC / KVP
Quantum
Max ₹1 Lac (branch) — above ₹1 Lac: HO sanction
Interest
As per Bank norms
Specialty
Advances Against Life Insurance Policy
Quantum
Max 75% of surrender value — Max ₹1 Lac (branch)
Interest
As per Bank norms