percentJewell Loans Revised to 10.50% W.e.f 01-09-2026
Flexible Loans. Transparent Rates.
Empowering households, merchants, farmers, and entrepreneurs across Andhra Pradesh with accessible cooperative credit.
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Revised W.e.f 01-09-2026
10.50% p.a.
Gold Loans / Jewell Loans
Instant liquidity against your gold ornaments with fast 30-minute processing and direct disbursement.
- check_circleSpecial 10.50% interest rate (Res. Dt 28/08/2026)
- check_circleTenure: 12 Months with monthly interest payout
- check_circleOverdraft (O.D.) on Jewells option available at 12.00%
- check_circleNominal appraisal & insurance fees (Rs. 6 per Rs. 1,000)
- check_circleMinimum documentation: Aadhaar, PAN & Bank Passbook
home
Up to 12 Years
11.77% p.a.
House Construction Loans
Turn your dream home into reality with structured milestone-based construction financing.
- check_circleCompetitive 11.77% p.a. interest rate
- check_circleExtended repayment tenure up to 12 Years (144 months)
- check_circleDisbursement aligned with civil construction stages
- check_circleSimple legal verification and local property appraisal
real_estate_agent
Up to 6 Years
14.90% p.a.
House Mortgage & Property Loans
Leverage your self-occupied residential or commercial property for business expansion or personal needs.
- check_circleHouse Mortgage Loans at 14.90% (6 Years tenure)
- check_circleSecured Extension/Top-up Loans at 15.00% p.a.
- check_circleOverdraft (O.D.) facility on mortgage at 15.50% (12 Months)
- check_circleTransparent valuation with no hidden foreclosure surcharges
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Instant Approval
From +2.00% over FD
Deposit & Security Backed Loans
Instant credit against your Fixed Deposit bonds or Government securities without breaking your investment.
- check_circleLoans on Fixed Deposit Bond at +2.00% above FD rate
- check_circleS.O.D Loans on Fixed Deposit Bond at +2.50% above FD rate
- check_circleGovt. Secured Loans against pledged bonds at 15.50%
- check_circleContinue earning interest on your underlying deposits
Official Rate Card
Rate of Interest on Advances
Form No.48, Board Resolution No.12 & Resolution Dt. 28-08-2026.
| S.No. | Type of Loan | Tenure | Interest Rate |
|---|---|---|---|
| 1 | Deposit Loans (on Fixed Deposit Bond) | FD Maturity | +2.00% over FD rate |
| 2 | S.O.D Loans (on Fixed Deposit Bond) | FD Maturity | +2.50% over FD rate |
| 3 | O.D on House Mortgage | 12 Months | 15.50% |
| 4 | O.D on Jewells (12 Mo) / Term Loan (36 Mo) | 12 / 36 Months | 12.00% |
| 5 | Jewell Loans (Dated 01-09-2026 Res.Dt.28/08/26)Active Update | 12 Months | 10.50% |
| 6 | House Construction | 12 Years | 11.77% |
| 7 | Secured Loans (Extension of Construction / Top-Up) | 6 Years | 15.00% |
| 8 | House Mortgage Loans | 6 Years | 14.90% |
| 9 | Govt. Secured Loans | Bond Pledge | 15.50% |
| 10 | Surety Loans | 5 Years | 15.50% |
* Loan terms and eligibility subject to bank appraisal, KYC compliance, and sanctioning norms.
downloadDownload Official Advances Form (PDF)Your Monthly EMI
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