Cadila Healthcare Employees Co-Op Credit Society Ltd.

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Loan EMI Calculator

Term Deposit Calculator

Term Loan

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Long Term Loan

10.50%P.A

Loan Amount
Rs. 7 Lakh Maximum
Re-payment Period
84 EMI/ Installment

Short Term Loan

12.00%P.A

Loan Amount
Rs. 2 Lakh Maximum
Re-payment Period
60 EMI/ Installment

Emergency Loan

12.00%P.A

Loan Amount
Rs. 50,000 Maximum
Re-payment Period
50 EMI/ Installment

Loan against FD

9.00%P.A

Loan Amount
5% of the FD amount with the society
Re-payment Period
36 EMI/ Installment

Loan Eligibility

  • Long term loan may be granted to any eligible member 30 times of his gross salary or Rs 700,000.00 (Rupees Seven Lakh Only), whichever is less by the Board.
  • The loan shall be granted on personal security with two sureties who are members of the society and having more than 01 year of regular continuous service in the establishment.
  • Repaying capacity shall be considered by taking into account net salary though the Bye Law of the society provides loan facility on the basis of gross salary.
  • Explanation: Repaying capacity of loanee be considered as an amount derived after deducting at least 1/3 of the gross salary from the net salary receivable by the loanee member.
  • At no point of time home take salary contribution be less than 1/3 of total emolument/gross salary.

Loan Documents Required

  • Duly filled Application form of loan.
  • Applicant's latest salary slip of previous two months with signature.
  • Latest salary slip of two sureties with signature (member can be surety to a maximum of two loanee members).
  • Two signed cheques of applicant's salary account.
  • Affidavit of undertaking to pay the loan amount in case of resignation from the company, if needed.
  • Duly filled Application form of loan.
  • Applicant's latest salary slip of previous month with signature.
  • Duly filled Application form of loan.
  • Duly filled Application form of loan.
  • Assign FD Certificate with the society.