Welcome to The Financial Co-op. Bank Ltd.          

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Call Us: 0261 2360433/34

(Mon – Sat, ex 2nd & 4th Sat)

E-mail Us:


3044-47, Abhishek Market,

Ring Road, Surat-395002

OD Against Property/Working Capital

Rate of Interest : 8.50% to 9.50% 



  1. Facility Provide on Realizable Value of Industrial and Commercial Property up to 70%, on Residential Property up to 80% & on Property.
  2. If Running Business than Project Finance up to 75 % and New Business than Project Finance up to 50 %

  3. Working capital Requirement – 30 % of actual latest audited GST Turn Over for last financial year         OR    — 20 % of estimated/projected turnover

    Tenure For Repayment: Yearly Review

  • Facility provide on Realizable Value of Commercial Property up to 60%, On Residential Property up to 70% & on Industrial Property up to 55%
  • Project Term Loan for Business Purpose, Installation of New Machinery. Maximum Period of Moratorium 6 months enough. 
  • Project Loan for purchase of machinery/equipment Loan Tenure maximum 10 years (Including Moratorium Period) 

Processing Fees :-  Processing Fees 0.35 % + GST on Sanction Amount

Note: One time Process Fee is charge, Do levy yearly renewal charge

4.Maximum Loan Amount & Margin: Individual housing loans up to a maximum of Rs.60 lacs per beneficiary of Dwelling unit. Subject to prudential exposure limits of RBI from time to time.

Period of Loans:

  • Housing loan may be repayable within a maximum period of 20 yrs. Including Moratorium  of repayment holiday.
  •  Processing Fees : –  Processing Fees 0.50 % on Sanction Amount  + GST on PF
  •  Moretorium: Home Loan for construction maximum 18 month and as per guideline of RBI from time to time.
  • Till completion of consturction, or 18 months from the date of disbursement of first installment of the loan which ever is earlier.
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