Loan Scheme

United Rural - Types of Loans

United Rural Credit Co-Op. Society Ltd. offers a range of loan products designed to meet the diverse financial needs of individuals, farmers, entrepreneurs, and small businesses in rural and semi-urban areas. Whether it's for personal needs, business growth, or agriculture, we provide loans with flexible terms, competitive interest rates, and quick approvals.

• Gold Loan

A gold loan allows you to borrow money by pledging your gold ornaments as collateral. It offers instant liquidity with minimal documentation and low interest rates. Your gold remains safe with us and is returned upon repayment. Get up to 75% of the gold's value as a loan disbursed within minutes.

• Vehicle Loan

Whether you're buying a two-wheeler or other vehicle, our vehicle loan helps you get the vehicle you need with affordable EMIs and fast disbursal. We offer up to 80% of the on-road price with repayment tenures up to 3 years.

• Morgage Loan

A property mortgage loan allows you to unlock the value of your residential, commercial, or agricultural property by using it as collateral. This loan is ideal for business expansion, education, or medical emergencies while retaining ownership of your property.

• Personal Loan

A personal loan is an unsecured loan used for medical emergencies, education, weddings, travel, or other personal needs. Enjoy fast processing and attractive interest rates. Loan amounts up to ₹2 lakhs are available depending on eligibility.

• Emergency Loan

Our emergency loan offers quick disbursal for urgent medical or financial needs. These loans are available for existing members and account holders with minimal documentation.

• LIC Against Loan

Get a loan against your LIC policy’s surrender value without closing the policy. This option helps policyholders access short-term funds easily.

• Loan Against Deposit

Use your Fixed Deposit (FD) or Recurring Deposit (RD) as collateral to obtain a loan without breaking the deposit. Enjoy lower interest rates compared to regular personal loans.