sidetabindex

7 days to 45 days

@ 3.25%

46 days to 180 days

@ 4.50%

181 days to 1 year

@ 5.25%

1 year to 2 year

@ 6.25%

2 year to 3 year

@ 5.75%

above 3 years

@ 5.50%

Housing Loan

@ 8.75%* To 10%

Vehicle Loan

@ 9%

Personal Loan

@ 14%

Mortgage Loan

@ 12%

Gold Loan

@ 9%

NSC/KVP Loan

@ 9%

Welcome To Kankaria Maninagar Nagrik Sahakari Bank Ltd.

  • Mail Us
    banking@kmnsb.com

  • Call Us For Details
    079-25460815/25462763

Gold Loan


  • Short term loan of one year to meet with any personal requirement.
  • Maximum limit 24 Months
  • Loan on Gold 75% of amount of valuation.
  • 10% Interest rate.
  • Applicant has to take share @2.5% of the limit.
  • The processing charges will be 1% of loan amount sanction .

Applicant Details : 

  • Copy of Last Three years income tax return.
  • If Applicant is businessman in that case last three years copies of balance sheet, Income tax return of the proprietor/partner,statement of capital account.
  • If property is to be purchased under housing scheme,the copies of documents,such as share certificate,allotment-letter,saledeed,revenue records of 7/12.
  • Copy of authorised building plan.
  • Copy of receipt of advanced payment-made/copy of agreement to sale.
  • Copy of title clearance certificate given by the advocate/ solicitor.
  • Consent letter from the society about noting of charge of the bank.
  • Three copies of Photograph.

Gaurantor Details : 

  • Photograph-3 copies
  • Last tax bill.
  • Last 3 year income tax return copy.
  • Address proof – electric bill /telephone bill (any one) As per KYC norms.
  • Photo proof – Pan card / Voter card / Driving license/Aadhar card (Any one) As per KYC norms.

Conditions : 

  • Original documents of property to be submitted to the bank. Registered mortgage of property to be done in favour of bank. Bank charge will be noted in society’s book.
  • Valuation of the property will be required for old property. Bank will give loan of 75% of valuation amount.and new property bank will give loan of 80%.
  • Bank will sanction loan if property is having N.A.N.O.C and BU permission.
  • Applicant will have to take insurance of the building in favour of bank.
  • Loan amount with interest will be repaid within 120 equal monthly instalments.
  • Applicant has to submit original share certificate of the Society/Association, Municipal Tax bill, Tax receipt, sales deed etc, for registered mortgage of the property.
  • Title clearance and valuation report will be done by approved lawyer and valuer of the bank. Applicant has to pay their fees.
  • Applicant has to take share @2.5% of the limit.
  • The processing charges will be 1% of loan amount Sanction.