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

Traders (CC)/ Business Loan(WCTL)

Limit per Borrower: Against 75% of paid stock & 60% of book- Debts up to 90 days
Margin Money :     25% of paid stock & 40% book – debts upto 90 days
Rate of Interest:8.50% to 9.50%
Guarantors:Two guaranters (who holds permenant residence in surat district)
Collateral Security :125% of limit required(security value/125% = limit amount)
Processing Fees:35% of saction amount+GST on PF
(Immovable Property / FD / NSC / KVP / LIC Policy etc.)



  • For the purpose of Business.
  • Maximum credit facility @ 20 % of the estimated Annual Sales Turnover (Own contribution @5% of the C.C. Limit sanctioned is required) and 30% of GSTR.
  • Amount of Credit Facility will depend upon the nature of business of the applicant, offering of collateral security and the worth of the personal guarantees.
  • Personal Guarantee of persons having income / asset expectable to the Bank. For more details contact your nearest Branch.

2. Repayment Capacity (Total Annual Income –Total Approx Annual Exp. –

      Total Annual Loan Liabilities (EMI*12) = Total Approx Annual Savings.

      (Approx finance up to 50 to 60 % on Total Approx Annual Savings)

3. Purchase of Residential Property, 80% loan amount of sale deed, satakhat, Construction cost will consider. Additional/ supplementary Finance Rs. 5 lacs  to the owner of house/ flat only for repairs ,additions, alterations etc…. irrespective of whether the house/flat is owner occupied or tenement occupied offer obtaining such security as the banks may deem appropriate. BOD /loan committee have reserve right to consider loan amount.  

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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