This loan will be given only to the member who has deposited the amount in Daily Deposit scheme account. At least ten percent of the loan amount has to be deposited in shares. The interest rate of this loan will be 22% per annum. The tenure of this loan will be 02 years. Interest will be calculated every quarter.

For loans up to Rs. 25,000/- :
a. Account period at least one month
b. Deposit amount at least Rs.3000/-
c. Advisor / Motivator of the guarantor member
d. Loan Charge - Rs.700/-
e. Loan Form Charge- Rs.100/-

For loan up to Rs.1,00,000/- :
a. Account period at least three months
b. Deposit amount 15% of loan amount
c. Guarantor member's advisor / motivator and four copy of any other bank check, which will be done by the branch management.
d. Loan Charge 50,000/-0 Upto 1600/-0 [60,000/- above ₹0 1100/ 1%
e. Loan Form Charge- 100/-0
f. Loan Form Charge - 100/-40

For loan up to Rs. 5,00,000/- :
a. Account tenor at least six months
b. Deposit Amount 25% of the loan amount
c. Guarantor :-
i. Four per check of any other bank
ii.Two members
d. Loan Charge Rs.1100/-+1% of loan amount
e. Loan Form Charge- Rs.100/-

For loan above Rs. 5,00,000/- :
a.
Account tenor at least six months
b. Deposit Amount :- 40% of the loan amount
c. Guarantor :-
  i. Four per check of any other bank
    ii. Two members
    iii. LIC Bond of twice the loan amount, Bank F.D. Certificate or any property of the said amount
d. Loan Charge 1100/-0 1% of loan amount
e. Loan Form Charge Rs.100/-
f. Court fees and other legal expenses which will be actual.

The expenses incurred on taking action for recovery of debt against the member will be recovered from the member itself. Detail of expenditure on taking action for recovery of debt :
a. Charge of notice by the branch Rs.200/-
b. Charge of notice done by HQ/Advocate Rs.500/-
c. Charges Rs.25,000/- will be recovered on the filing of the suit in the court.