The Udaipur Mahila Samridhi Urban Co-op. Bank Ltd.The Udaipur Mahila Samridhi Urban Co-op. Bank Ltd.At Samridhi Bank (The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.), we understand that every financial need is unique. Our wide range of Loans & Advance products are designed to support your personal, business, and professional goals with flexible terms, competitive interest rates, quick processing, and transparent service.
Whether you are planning to build a home, expand your business, buy a vehicle, or meet personal financial needs, Samridhi Bank is committed to powering your growth with trusted financial solutions.
Why Choose Samridhi Bank for Loans?
• Competitive Interest Rates designed for affordability
• Simple and Transparent Process with no hidden charges
• Quick Approvals & Disbursement
• Flexible Repayment Options tailored to your capability
• Personalised Guidance at every step
• Trusted Banking Experience backed by decades of service excellence
How to Apply
Visit your nearest branch of Samridhi Bank to apply for any loan.
Our dedicated team will guide you through eligibility, documentation, and sanctioning—ensuring a smooth and hassle-free loan experience.
Loans Rate And Conditions (Applicable from 01 December, 2025)
Loan Rates Changed & passed by the BOD in the meeting held on 29-11-2025, effected from 01-12-2025
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Cash Credit Upto 25 Lakh |
9.25 % |
1 Year |
Min. 2 Year Balance Sheet 2)Turn Over Must be 3 to 5 Times of Limit. 3)Audited Balance Sheet Over Limit of 60 Lakh. 4) New Business must have project report of 5 Years. |
2. |
From 25 Lakh and to 150 Lakh |
9.75 % |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Term Loan Upto Fifty Thousand |
11.50 % |
36 Months |
1) New business must have project report of 5 Years. 2)Audited Balance Sheet Over Limit prescribed by IT. 3)Minimum 2 Year Balance Sheet 4)Project Report of Five Years |
2. |
Above Fifty Thousand to Twenty Five Lakh |
8.75 % |
84 Months |
|
3. |
Above Twenty Five Lakh to 50 lakh |
9.00 % |
120 Months |
|
4. |
Above 50 lakh |
9.25 % |
120 Months |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
New Limit upto 25 Lakh |
9.25 % |
1 Year |
1) Limit can be sanctioned only against the immovable property of Lady or her husband. Which will be the principle security for the bank. Husband of Borrower must be Co-Borrower 2) Balance Sheet / Project report of Business of Borrower or her Family Member. |
2. |
Above Twenty Five Lakhs to 100 Lakhs |
9.75 % |
||
3. |
Limit above 100 Lakhs to 150 Lakhs |
9.75 % |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Rennovation of Business infra Upto 5 Lakh |
8.75 % |
60 Months |
1) Owner / Partner / Director of Project must be Lady/Ladies. 2)Project Report verified by CA/ Valuer & must contains essential noc from concerning departments. 3)Collateral Security is mandatory with main security if project is for sale. |
2. |
Above 5 Lakhs to 20 Lakhs |
9.25 % |
120 Months |
|
3. |
New/Existing Business infra development Upto Rs. 10 Lakh |
9.25 % |
120 Months |
|
4. |
Above 10 Lakh to 25 Lakh |
9.25 % |
120 Months |
|
5. |
above 25 Lakh |
9.75 % |
120 Months |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Rennovation of Immovable of Factory / Project Upto 5 Lakh |
9.75 % |
60 Months |
1) Owner / Partner / Director of Project must be Lady/Ladies. 2)Project Report verified by CA/ Valuer & must contains essential noc from concerning departments/quotation of plant & Machinery. 3)Collateral Security is mandatory with main security. |
2. |
Rennovation of Immovable of Factory / Project Above 5 Lakhs to 20 Lakhs |
9.75 % |
120 Months |
|
3. |
Purchase of Plant & Machinery / Project Upto 25 Lakh |
9.75 % |
120 Months |
|
4. |
Purchase of Plant & Machinery / Project Above 25 Lakh |
10.25 % |
120 Months |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Two Wheeler to Nominal Member Upto 100,000 |
8.75 % |
12 Months |
1) Repayment EMI should not be more than 50% of Annual Income of Borrower in 2 Wheeler. 2) 2 Wheeler Loan Upto 12 Month No Guarantor, Upto 18 Months 1 Guarantor & above 2 are required. 3) 2 Wheeler Loan is available for Nominal Member. 4) 4 Wheeler Loan - Upto 48 Month 1 Guarantor & above 2 guarantors are required 5) HPN & Endorsement of Insurance in Favour of Bank. 6) Collateral Security is not essential. 7) Form 24-29-30 must be obtained from Owner. 8) One Year Income proof for electrical vehicle. 9) 1500 /- and 2000 /- processing fee (12/18 Month) including stamp for electrical vehicle. |
9.00 % |
18 Months |
|||
11.00 % |
24 Months |
|||
2. |
Two Wheeler Electric (RTO / Non RTO Reg.) Upto 100,000/- |
9.00 % |
12 Months |
|
9.50 % |
18 Months |
|||
3. |
Two Wheeler to Regular Members upto 150,000 |
8.50 % |
12 Months |
|
8.75 % |
18 Months |
|||
9.00 % |
24 Months |
|||
4. |
Light Four Wheeler Upto Twelve Lakh |
8.00 % |
36 Months |
|
8.25 % |
48 Months |
|||
8.25 % |
60 Months |
10)Vehicle can be purchased in the name of Husband of lady but he should be Co-borrower. |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Renovation / Repairs Upto Five Lakh |
10.00 % |
60 Months |
1) Major Owner of the property must be the Borrower Lady or her Spouse. 2) Income of Co-borrower (family members) can be clubbed with the borrower to get elegibility. 3) Property will be the principle security. 4) Loan will be disbursed in parts as per the valuation of the construction. 5) Valuation of the property by the bank. 6) Aganist same mortgage property for HL 7) Elegibility has to be considered alongwith the outstanding balance in Housing Loan 8) Other Criteria are same as per bank practice. |
2. |
House Purchase / Plot Purchase & New Construction / New Construction Upto 35 Lakh (Cost is 45L) |
7.75 % |
180 Months |
|
Upto Rs. 35 Lakh |
8.00 % |
180 Months |
||
Above Rs. 35L to 100 Lakh |
8.25 % |
180 Months |
||
3. |
Top-Up Loan Aganist Housing Property Upto 25 Lakh |
8.75 % |
180 Months |
|
Above 25 Lakh To 70 Lakh |
9.25 % |
180 Months |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Consumer Loan House Hold (T.V., freeze, A.C. etc.) Upto 45000 /- |
15.00 % |
36 Months |
1) HPN and Endorsement of Insurance in favour of bank.. |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Education Loan Upto 5 Lakh |
9.00 % |
120 Months |
1) Mother would be majot Borrower along with Father ans student. 2) Income of Co-borrower (family member) can be clubbed with the borrower to get eligibility. 3) Valuation of the property by Bank.. |
2. |
Education Loan Above 5 Lakh to 10 Lakh |
10.00 % |
120 Months |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Loan against property Upto 5 Lakh |
11.00 % |
84 Months |
1) Major Owner of the property must be the borrower lady or her spouse. 2) Income of co-borrower (family member) can be clubbed with the borrower to get eligibility. 3) Valuation of the property by the bank. |
2. |
Loan Against Property Above 5 To 10 Lakh |
11.00 % |
120 Months |
|
3. |
Loan Against Property Above 10 Lakh |
11.50 % |
180 Months |
|
5. |
Old Limit Renewal Upto 125 Lakh |
11.00 % |
1 Year |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Loan/Limit against NSV / KVP (75 % of Face Value) |
9.00 % |
Till Maturity |
1) Verification of Pleadge by Br. Managaer before disb.. 2) 0.50 % Processing charge for Limit A/cs.. |
2. |
Loan/Limit against LIC of India (75% of Surrender Value) |
9.00 % |
Till Maturity |
|
3. |
Loan Against AGBY A/cs (80% of O/S Balance) |
9.00 % |
Till Maturity |
1) Min. Balance of Rs. 10000 /- & Lien on A/c & Passbook by Br. Manager before Disb. 2) Lien Confirmation by Br. Manager before Disb. |
4. |
Loan/Limit against FDR (Limit 90% of Face Value) |
1.00 % Above |
Till Maturity |
0.50% Processing charge for Limit A/cs. |
5. |
Loan Against Gold (65% of Pure Value Obtained Max. Upto 1 Lakh) |
10.00 % |
1 Year |
1) Valuation by Penal Valuer of Bank 2) 1.00 % Processing Charge or Min. Rs. 200. |
S.No. |
Type of Loan / Facility |
Rate of Interest |
Max. Period |
Conditions |
1. |
Upto 3 Lakh |
9.50 % |
36 Months |
1)0.50% Processing Free upto 30 April 2024 . 2) No Colleteral, One Guarantee 3) Above Loan 3 Lakh, Colletral Security as per norms. 4) Subsidy account should be with bank,if Applicable. |
2. |
Above 3 Lakh to 25 Lakh |
9.50 % |
60 Months |
Charges applicable on Loans and Advances
S.No. |
Charges |
Particulars |
Processing Charge |
0.50% |
of Sanctioned Amount Except Loans in Item 11.(1% on Gold Loan) |
Share Capital |
2.50% |
of sanction amt, Maximum Upto Rs. 50000/- as per By-Laws |
Nominal Membership Fee |
101 /- |
Per Individual Involved in Loans/Advances Except Members |
Legal & Valuation Charges |
10000 /- Advance |
charged as per Actual |
Main Agreement Stamp |
0.25% |
or as per govt. Rules |
Other Stamps |
500/- |
Per Agreement |
Stamp Duty Amendment
* Stamp Duty and Stamp on agreement is same as before for NEW SANCTION of Loan/advances.
In Case of Limit Renewal/ lower down the sanction limit. (CC,BoD, OD)
* Balance Confirmation, Concent letter and Continuaty Letter alongwith Applicable Processing Charge (0.20%) is Required every Year at the Time of Renewal.
* All Documents should be stamped in 5 years, If Not enhanced or modified.
* All Documents should be stamped as per rule when Sanction limit enhanced or modified.
Penal Charges - 3 % Penal charge for irregular payment of instalments / interest OR Stock Statement of Book Debt and Hypothecation OR Cash Credit Account Renewal Date over OR Cash Credit Account Overdrawn Balance belongs Drawing Power and Limit.
