From building your first home to unlocking funds against property or gold, our loan products are built for members who need clarity, fair terms, and a straightforward process — plus a calculator to see the real numbers before you sign.
Pick a product to see eligibility, process, and how to apply — or jump straight to the calculator.
Finance your dream home with affordable EMIs and long-term tenure.
View details →Build your home on your own land with stage-wise funding support.
View details →Loan against property with attractive interest rates and quick payout.
View details →Quick funds for personal and business needs, secured or unsecured.
View details →A Home Loan is a long-term loan offered to support members in owning a home, with repayment spread across manageable monthly instalments.
Construction Loans help members build homes on their own land, released in stages as construction progresses so funds are matched to real work done.
Mortgage Loans let members pledge property and access funds for a range of financial needs, with terms structured around the property's value.
Quick financial support through unsecured personal loans and gold-backed financing, designed for members who need funds without long wait times.
Cast the chart on your loan. Compare what a reducing balance and a flat rate actually cost you, side by side, before you sign.
Reducing balance charges interest only on what's still outstanding — this is how banks structure home and most personal loans. Flat rate charges interest on the full original amount for the whole tenure — common on some vehicle and consumer loans, and quietly costlier.
That's the gap in total interest between the two methods over your chosen tenure — same amount, same rate, same years.
| Month | Principal | Interest | Balance |
|---|