Loans

Your Needs, Our Support

Life is full of dreams and sometimes, unexpected expenses. Whether it’s a wedding, travel, education, medical emergency, or a home makeover — the Personal Loan from Shivam Sundaram Urban Co-operative Credit Society is here to make it happen smoothly and affordably.

Interest  Rate : 15% 

🌟 Key Features:

• Loan Amounts Up to ₹5 Lakhs (based on eligibility)

• Simple Documentation – Fast and hassle-free process

• Flexible Repayment Tenure – Up to 60 months

• Attractive Interest Rates – Lower than market averages

• Quick Disbursal – Funds when you need them most

• No Collateral Required – Unsecured loan for members

• EMI Payment Alerts via SMS – Stay informed and on track

Your Gold. Your Power. Instant Financial Support.

Turn your idle gold into instant liquidity without parting with it. Whether it’s for personal needs, business expenses, or emergencies — the Gold Loan Scheme from Shivam Sundaram Urban Co-operative Credit Society offers a fast, secure, and affordable solution.

🌟 Key Features:

• Loan Amount Based on Gold Value
  Get up to 75–85% of your gold’s current market value

• Quick Approval & Instant Disbursal
  Walk in with gold, walk out with cash — in minutes

• Low Interest Rates
  Affordable repayment options to ease your burden

• Minimal Documentation
  No income proof required for small-ticket loans

• Flexible Tenure Options
  Choose from short-term or medium-term repayment periods

• 100% Safe Custody
  Your gold is stored securely in vaults under strict protection

Small Loans. Big Support. Easy Repayment.

At Shivam Sundaram Urban Co-operative Credit Society, we understand the daily needs of small traders, vendors, and self-employed individuals. Our Daily/Weekly Collection Loans Scheme is designed to offer quick access to working capital with flexible, easy repayment options collected daily or weekly — right at your doorstep.

🌟 Key Features:

• Loan Amounts Starting from ₹5,000 to ₹50,000
  Perfect for street vendors, shopkeepers, hawkers, and micro-entrepreneurs

• Flexible Repayment Frequency
  Choose daily or weekly collections based on your cash flow

• Fast Disbursal
  Minimal documentation and quick approvals

• Doorstep Collection
  Our representatives collect repayments regularly at your convenience

• Simple Documentation
  Easy paperwork for quick processing

• Affordable Interest Rates
  Designed to be manageable for small businesses

Build Your Dreams, Brick by Brick.

Owning a home is a lifetime dream — and at Shivam Sundaram Urban Co-operative Credit Society, we’re here to help you turn that dream into a reality. Our Home Loan Scheme is designed to offer affordable, transparent, and flexible housing finance options for individuals and families.

Interest  Rate : 11% 

🌟 Key Features:

• Loan Amounts Up to ₹25 Lakhs (or as per eligibility)
  For purchase, construction, or renovation of residential property

• Attractive Interest Rates
  Lower EMIs, more savings over time

• Flexible Repayment Tenure
  Up to 20 years for comfortable installment planning

• Loans for New Home Purchase, Plot + Construction, or Renovation
  Tailored financing for every kind of home requirement

• Simple Documentation Process
  Transparent and hassle-free

• Balance Transfer Facility Available
  Switch your existing home loan to us and save on interest

Invest in Education. Empower Your Future.

At Shivam Sundaram Urban Co-operative Credit Society, we believe education is the most powerful investment. Our Education Loan Scheme is designed to provide financial support to students pursuing academic excellence — in India or abroad.

🌟 Key Features:

• Loans for School, College & Higher Studies
  Covers tuition fees, books, hostel, travel, and other academic expenses

• Loan Amount Up to ₹10 Lakhs (based on course and institution)

• Flexible Repayment Options
  Repayment starts after course completion, with grace period available

• Attractive Interest Rates
  Affordable EMIs to ease your post-education burden

• Domestic & International Courses Covered
  Recognized universities, technical, professional, and vocational programs