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Facilities


The Calicut City Service Co-operative Bank offers its customers a wide variety of facilities to assist them in their requirements. Every facility has been carefully planned and provided, so as to ensure that they get the most out of them. Not to mention the efficiency in which the provision and execution of these facilities are carried out. Have a look at the facilities that we offer:

City Gold


There's hardly any investment on earth more worthy and profitable than gold. If it's traditional use is to adorn our physical selves, then today it is mostly used to adorn our lives as a security for cash. Gold loans are among the most accepted assets today for quick cash. Especially in countries like India where people need cash for rolling purposes, gold loans can be of great help.


The Calicut City Service Co-operative Bank has introduced for our dear customers a special gold loan scheme called City Gold. As per this scheme, gold loans are given for both agricultural and non-agricultural purposes. The highlight of the scheme is that these loans are given at very low interest rates so as to encourage sectors like farming and small trading enterprises. These can be of significant benefit to people whose re-payment capacities would not be so good.


This facility is available from 9.30 a.m. to 5.30 p.m. daily on all our branches.

Agricultural Loan


With a vision to provide support and encouragement to the agricultural sector, The Calicut City Service Co-operative Bank has introduced agricultural loans for farmers belonging to all categories.  These loans too are provided at very low interest rates so as to help the farmers put in their most to the development of the sector.


At these times when the traditional agricultural sector of the country is facing serious challenges, initiatives such as these would indeed be of great help. The Bank believes that the farming sector needs to achieve some kind of self-sufficiency, if the country needs to take its leap in to progress. Hence the introduction of such farmer-friendly schemes. Farmers are offered these loans whenever they are in need and since the interest rates are low, they would be able to meet their requirements without much of a difficulty and will feel comfortable even while paying back.


Property Loan


One of the most widely preferred loans today, property loans are an easy way to get instant cash for big requirements. If you have a property of your own and is in need of money, then don't wait to come to us. You can pledge your property and be eligible for a loan upto Rs. 25,00,000/-. There aren't too many formalities to get it cleared and you can feel relaxed as you would be able to quickly meet your need.


At The Calicut City Service Co-operative Bank, not only do we help you by providing quick property loans, but also offer you attractive rates. Hassle-free and speedy approvals are the highlight here. You can pledge both residential and commercial properties. Also, you have an added benefit whereby you can re-pay the loan by handing over the amount to our daily collection agents who will be at your doorsteps for the same. You just don't have to bother about coming to a branch of ours to keep re-paying the money every month. All transactions made easy and comfortable – that's the pivotal feature of The Calicut City Service Co-operative Bank's loan schemes.


House Loan


Everybody will have a dream of a sweet home that they can truly call their own. But with rising material costs and also an ever-increasing square-feet rates, it is getting tougher and tougher for common people to live their dream. Owning a house has now become a huge financial burden for the mid-income groups and also the poor. But there's no problem without a solution and in this case the answer is a housing loan.


The Calicut City Service Co-operative Bank has housing loan services which would help you to own your dear home. Loan amounts are sanctioned up to Rs. 5,00,000 (for 10 years) and with special interest rates to reduce the financial load over you. These loans are passed in very short periods of time without trouble and lets you pay your installments well on time. These loans are not just for new homes. We also help you renovate and repair an existing property through these housing loans.


Personal Loan


Apart from specific needs, you will indeed need to raise money for a number of miscellaneousactivities. It could be a vacation abroad, child's education or even a wedding – money matters everywhere. Very rarely will people have enough cash with them to comfortably meet all these. For all other instances, they primarily rely on personal loans.


The Calicut City Service Co-operative Bank offers its customers instant personal loans at special interest rates. These loans are an easy way to meet quick cash needs and can be re-paid in comfortable installments. All you will have to provide is some official as a guarantor. The loan will be all yours.


Business Loans


Businessmen always require cash for rolling purposes and also to meet their daily running costs. With anticipated money, no business enterprise can keep moving forward and so the best possible way to keep the game alive is to rely on business loans. At The Calicut City Service Co-operative Bank, we understand the needs and nature of various businesses and assist them in meeting their quick requirements by issuing business loans.


Our business loans are very easy to have a hold of and are provided at special interest rates. There is very little paper work and that makes the whole process of sanctioning the loan easy and quick. All you will need is the help of two other businessmen for acting as guarantors and you can avail this loan at good rates. Also, when it comes to the re-payment you won't have to bother about approaching a branch of ours during your busy schedules. Our daily collection will be at your doorstep to collect the same.


Gold Loan Schemes

The Calicut City Service Co-operative Bank offers various gold schemes for the benefit of our customers. These become very helpful whenever you are in urgent need of cash. We also offer special interest schemes for certain schemes, which makes us a perfect choice for availing gold loans. Please find below our schemes and their details.


SL. NO TYPE NAME DURATION GOLD LOAN/ SOVEREIGN INTEREST RATE
1PONVILA12 months160007 %
2 PONTHARA1 month1900011.5 %
 3 SWARNAPRABHA 6 months18500 10 %
Special Loans for women Other Government-sanctioned loans

Selfie

LADY FREEDOM

Calicut city service co-operative introduces a special loan scheme especially for ladies to buy a two wheeler.Simple procedures.Loan will be given on surety of two ladies. Loanee and sureties must be residents of Kozhikode Taluk.Duration of Loan is for 30 months at an interest of  11.5 %.

CYCLE LOAN

CYCLE LOAN SCHEME

An interest free loan scheme for students.Students can take this loan in the name of mother.Loan duration 24 months