Welcome to high-class banking at KRCS (Karthedom Rural Co-operative Society). KRCS offer different types of loans,  to suit the needs of common man. Loans are issued from the bank on easy norms. Loans  for Business, Industry, Education, Building construction, Purchase of Household items, Purchase of computers, Purchase of vehicles etc are available.

Emergency Loan- Upto Rs. 5000/-

Occassionally we meet unexpected expenses. KRCS Provides a facility to meet the unexpected expenses with an emergency cash loan facility for our members.

Use your emergency cash loan for:

• Education purpose
• No security needed
• Duration 10 months

Education Loan- Upto Rs. 5000/-

Education loan from KRCS, provides a helping hand to meritorious students desirous of pursuing basic/ professional/technical education. Loan is sanctioned without interest and security, on applications during the months of June, July and August.
Features:

• No interest
• No security needed
• Duration 10 months

Short term loan – Up to Rs. 50,000/-

This short term loan scheme to meet the domestic needs like marriage, medical, traveling, extension/repair/renovation of existing house and other social obligations.
Features:

• Repay with easy equated monthly installments
• Speedy loan processing
• Low interest rates
• On the very next date of submitting application, loan will be allowed.
• Duration 40 months

Loan Summary
Upon surety of a single person	Up to Rs. 15,000/-
Upon surety of two person	Up to Rs. 30,000/-
(To those members who have not defaulted their prior loan installments)
Upon surety of a single person	Up to Rs. 25,000/-
Upon surety of two person	Up to Rs. 50,000/-

Hire purchase loan – Upto Rs. 2 lakhs

Hire Purchase Loans are handy for buying assets such as household goods, vehicles, machinery and office equipment.

Features:

• Borrow upto 200000/-
• You do not need large amounts of cash to buy an asset.
• Easy repayment options.
• Speedy services
• Duration 60 months

Loan Summary
Upon surety of single person	Upto Rs. 15,000/-
Upon surety of two person	Upto Rs. 25,000/-
Upon surety of an employee	Upto Rs. 75,000/-
Upon surety of two employee	Upto Rs. 2,00,000/-

Business Loan - Upto Rs. 2 lakhs

Every small and medium sized enterprise needs access to working capital. The KRCS offers wide range of business financing solutions not only helps you meet your working capital needs, but also helps fulfill your aspirations of expanding your business.
Features:

• Loans upto Rs. 2 lacs for your working capital requirements
• Repay with easy equated monthly installments
• Enjoy a maximum loan tenure of upto 30 months
• Speedy loan processing
• Duration 30 months

Loan Summary
Upon surety of two persons	Upto Rs. 1,00,000/-
(To those members who have not defaulted their prior loan installments)
Upon surety of two persons	Upto 2,00,000/-

Medium Term Loan– Upto Rs. 25 lakhs

KRCS offers medium term loans upto 25 lakhs.Upon satisfaction of market value and repayment capacity, loan amount upto Rs. 25 lakhs will be released.
Features:

• Get an amount suited to your needs
• Borrow upto 25 lakhs
• Flexible repayment options, maximum tenors upto 120 months
• Repay with easy equated monthly installments
• Duration 120 months

Loan Summary
Upon surety of an employee	Upto Rs. 3,00,000/-
Upon surety of two employees	Upto 6,00,000/-
Land security	Upto 25,00,000/-

Pledging of Gold Ornaments

• Loan will be sanctioned upto 85% of the current rate.
• Duration 6 months
• Interest rate 9% for 90 days and 11% for more than 90 days