Loans
Credit Banking
- Nilgiris District Central Cooperative Bank’s headquarters and 21 branches provide fast service for gold jewelry loans
- Rs. 5000 per gram
- Up to Rs. 30 lakh per person
- Low interest, fast service
- Low appraisal fee
- No hidden fees
- Friendly service in just five minutes!
- Approach! Benefit!
- NDCC Bank is always at your service
- A Self-Help Group (SHG) consists of 12 to 20 women, aged 18 to 60 years, from the same village, who come together with a common purpose for their personal and social development.
- SHGs are provided with loans up to ₹20 lakhs.
- Crop loan funding limits
- Crop loans are a type of short-term advance provided through Primary Cooperative Societies to meet cultivation expenses.
- These loans can be used for buying quality seeds, fertilizers, etc.
- The loan can be repaid after the harvest.
- Loans are offered to individuals, groups, communities, backward classes, most backward classes, and denotified communities.
- Loans are provided at low interest rates for economically and financially viable projects, businesses, or schemes to improve their economic condition.
- The National Handicapped Finance and Development Corporation (NHFDC) has been established to support economic and developmental activities undertaken by persons with disabilities.
- Loans are provided to assist in self-employment and other income-generating activities.
- The Tamil Nadu Adi Dravidar Housing and Development Corporation (TAHDCO) implements various economic development schemes.
- Entrepreneur Development Programme (EDP)
- Self-Employment Programme for Youth (SEPY)
- TAHDCO extends support for self-employment initiatives under these schemes.
Personal Banking
- A Personal Loan helps meet various financial needs.
- Be it unexpected medical expenses, buying a smartphone, or purchasing a smart TV — a personal loan covers multiple purposes.
- Generally, any earning individual between 21 and 60 years of age can easily avail this loan.
- This loan helps individuals purchase home necessities such as electronic appliances, kitchen items, and other essential household goods. Consumers can easily avail this loan at a low interest rate.
- Retired individuals and those eligible to receive pensions can avail this loan. It can be used for medical needs or other personal requirements at a low interest rate.
- In life, we face unavoidable expenses such as business expansion, marriage, medical emergencies, or education. A practical solution to meet such financial needs is a home mortgage loan, where property is pledged to secure funds.
- Education loans are taken to meet expenses related to secondary or higher education. The loan helps cover tuition fees, books, and living expenses while the student pursues their degree.
- A housing loan is a secured loan obtained by pledging property as collateral. It offers a large loan amount with economical interest rates and long repayment tenures. The loan is repaid through EMIs, and once fully repaid, the property ownership is transferred back to the borrower.
- This loan supports economic development activities and self-employment ventures for persons with disabilities. Individuals with more than 40% disability are eligible to apply for this loan.
- This loan is meant for educated (minimum SSLC) unemployed women residing within the corporation limits. Under objectives approved by SIDBI, it encourages them to set up small-scale production or service units.