Telangana State Cooperative Apex Bank Ltd.

Overview

Unplanned or emergency expenses can crop up at any time in our life. If you are planning to get married or want to renovate your home and are falling short of funds, then worry no more. Instead, it is indeed a good idea to explore the option of taking personal loans to meet these expenses.

  • Individuals who are permanent /regular employees of Govt. of Telangana, Public Sector Undertakings, and other salaried persons.
  • Businessmen/Professionals/Self Employed persons.
  • Minimum entry age 18 years – 65 years.
  • 35 times of net salary.
  • Fixed ROI linked to CIBIL Score of applicant/s.
  • Max. Loan amount up to Rs.15.00 lakhs.
  • Loan against fixed deposits.
  • Loan against immovable properties.
  • Max. Repayment period is 60 monthly instalments.
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  • Medical Expenses

    Covering unexpected medical bills or treatments.

  • Home Renovation

    Upgrading or repairing a house.

  • Wedding Expenses

    Funding wedding ceremonies and related costs.

  • Business Investment

    Starting or expanding a small business.

  • Travel & Vacation

    Financing a dream vacation.

  • Education

    Paying for tuition, courses, or skill development.

Eligibility
personal-loan
Salaried Personal Loan
  • Eligible Individuals : Individuals who are permanent/regular employees of Govt. of Telangana, Public Sector Undertakings and other salaried persons of reputed private companies.
  • Age : Upto 65 years
  • Loan Limit : 25 times of the average of last 3 net salaries subject to a maximum of Rs. 10.00lakh
  • Repayment period : Upto 60 months
  • Documents required : 3 months Pay slips, 2 years IT returns, 6 months Bank statement, KYC documents etc.
personal-loan
Professionals / Self Employed Personal Loan
  • Eligible Individuals : Professionals like Doctors/ Chartered Accountants/ Architects/ Engineers/ Self-employed etc.
  • Age : Upto 65 years
  • Loan Limit : Monthly income to be arrived from the average annual income and 50% of monthly taxable income to be considered for loan EMI eligibility subject to a maximum of Rs. 10.00 lakh
  • Repayment period : Last 2 years IT returns, 6 months Bank statement, KYC documents
Rates of Interest Based on CIBIL Score
S. No. Particulars CIBIL Score Rate of Interest (%)
1 Personal loan ≥800 12.50%
751-799 12.75%
701-750 13.25%
650-700 13.50%
(-1) 13.50%
2 Personal loan to Pensioners    11.50%
3 Personal Loans to Staff    10.05%
How To Apply

Get a TGCAB Loan in 3 easy steps.

01. Get In Touch 24/7 Service

+040 24685660, +04023443812
18005998866

02. Visit Our Branch

Visit the nearest branch.

Find the nearest branch
03. Receive a Call Back

Our representative will contact you at the earliest.

Discover Digital Banking Convenience with the
TGCAB App

TGCAB Mobile Banking ensures secure access to your accounts
and services, available anytime, anywhere.

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