Beyond Just Loans. Real Support.
More than Loans: We understand your needs, your challenges, and your dreams.
At Manav Kalyan Credit Co-operative Society Ltd. (MKCCSL), we believe finance should enable, not complicate. Our loan products are designed to support your needs and ambitions at every stage — from personal requirements and home building to business expansion and vehicle purchase.
With quick approvals, flexible tenures, and member-friendly terms, our loan offerings make progress more accessible than ever.
Personal Loan
Perfect for Planned and Unplanned Moments
A Personal Loan from MKCCSL is your go-to solution for managing life’s planned and unplanned expenses. Whether you’re funding a family wedding, covering educational costs, handling a medical emergency, or going on a dream vacation — this loan offers the freedom to meet your needs without financial stress. With no collateral required, quick approval, and affordable EMIs, our personal loan is ideal for salaried individuals, homemakers, and professionals who seek convenience and flexibility. It’s your financial cushion for life’s big and small moments.
Features
- Collateral-free financing as per MKCCSL rules, perfect for weddings, education, travel, or medical needs
- Tenure choices from one to five years, so EMIs stay comfortable for any salary band
- Approval decisions in as little as forty-eight hours with lean, paper-light documentation
- Interest calculated on a reducing balance, lowering the cost every time you pay an EMI
- Part-prepayment and full-closure allowed at minimal charge for early freedom from debt
- Transparent pricing—no hidden processing fees, late-payment traps, or surprise insurance addons
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Business Loan
Solution for Your Business Growth Story
Designed specifically for entrepreneurs, shop owners, and self-employed professionals, the Business & Trader Loan at MKCCSL helps you grow your business with confidence. Whether you need capital to expand operations, invest in new inventory, purchase equipment, or manage cash flow — we provide quick, collateral-free funding to support your ambitions. With competitive interest rates, flexible repayment plans, and minimal paperwork, this loan ensures that your focus remains on business — not bureaucracy. It’s a trusted companion for traders ready to scale.
Features
- Working-capital or expansion funding from ₹___________ to ₹________ lakh, tailored to turnover and seasonality
- Cash-flow-based assessment that values daily sales registers, GST returns, and bank statements over rigid credit scores
- Choice of EMI, bullet, or seasonal-step repayment plans to match festival booms and lean months
- No collateral needed on smaller ticket sizes; flexible security options for larger exposures
- Top-up eligibility after twelve on-time EMIs, keeping growth momentum intact
- Complimentary advisory on inventory turns, digital payments, and subsidy schemes to sharpen competitiveness
Home Loan
A Support to your Life’s Most Important Dream
Your dream home is within reach with MKCCSL’s Home Loan. Whether you’re buying your first house, renovating your existing one, or investing in property, we provide customized housing finance options tailored to your needs. Our home loan features attractive interest rates, longer repayment tenures, and a smooth, member-friendly approval process. You can rely on our team to assist you every step of the way — from documentation to disbursement. This is more than just a loan; it’s the foundation of your family’s future.
Features
⦁ Finance up to eighty-five percent of the property cost—buy, build, or renovate with amounts from ₹______lakh to ₹________
⦁ Repayment windows as long as twenty years to keep monthly outgo manageable for young families
⦁ Competitive cooperative rates, reviewed quarterly by the Board to stay member-friendly
⦁ Member Benefit Pause lets you defer up to three installments during genuine hardship without credit-score damage
⦁ Doorstep assistance for valuation, legal checks, and mortgage execution, cutting branch visits to a minimum
⦁ Optional life and property insurance bundles that protect the borrower and the asset under one roof
Vehicle Loan
Drive Your Dream — Two Wheels or Four
From your first two-wheeler to a family car, MKCCSL’s Vehicle Loan helps you drive your dreams without delay. Whether you’re a salaried individual or a small business owner, we offer financing for both new and used vehicles at affordable interest rates. Our quick processing, minimal documentation, and flexible repayment options ensure you hit the road sooner with peace of mind. The Vehicle Loan is the ideal way to make mobility convenient, affordable, and immediate — because your journey shouldn’t have to wait.
Features
⦁ Up to _________ percent funding on new two-wheelers or cars, and _________ percent on pre-owned vehicles
⦁ Fixed-rate option shields you from future market hikes; flexible tenure up to seven years
⦁ Same-day in-principle approval for pre-screened members, getting you on the road faster
⦁ Simple documentation—identity proof, income proof, and the pro-forma invoice, nothing more
⦁ Zero foreclosure penalty after eighteen months, so you can repay early and save interest
Gold Loan
Your Gold. Your Power
Need instant cash but don’t want to sell your assets? MKCCSL’s Gold Loan provides immediate liquidity by unlocking the value of your gold ornaments — all without selling them. Whether it’s for education, business, medical emergencies, or personal needs, this loan offers a secure, hassle-free experience with same-day disbursal, low interest rates, and safe storage for your gold. We advance up to 75 percent of the gold’s market value, with flexible tenures of 3 to 24 months and interest charged only for the days you actually use the money. The entire process is designed for absolute transparency: computerized purity testing, on-the-spot valuation, sealed vault storage, and SMS/email alerts for every transaction. It’s a smart way to manage urgent needs while your gold continues to work for you.
Features
⦁ Instant cash against up to ___________ percent of certified gold value—disbursal in thirty minutes or less
⦁ Tenure range of three to twenty-four months with the choice of interest-only servicing or regular EMIs
⦁ Computerized purity testing and tamper-proof, dual-key vault storage fully insured for total peace of mind
⦁ Interest charged strictly for the days funds are used; repay anytime to stop interest clock
⦁ Automatic top-up eligibility when gold prices appreciate, unlocking extra liquidity without fresh paperwork
⦁ Transparent fee sheet presented before pledge—no hidden appraisal or storage charges