Loan Product
Loan Against Deposit
Keep your FD intact while accessing liquidity.
Key Features
- Up to 90% of deposit value
- Lower interest than personal loans
- Your FD continues to earn interest
- Minimal documentation
Loan Process
A simple 5-step process from application to disbursal.
STEP 1
Check Eligibility
You must be an active member of Janatha Co-operative Society.
STEP 2
Contact Secretary / Special Officer
Discuss your loan requirement and collect the application form.
STEP 3
Submit Form & Documents
Provide completed form along with KYC and supporting documents.
STEP 4
Credit Committee Review
Our Credit Committee evaluates the application and approves eligible cases.
STEP 5
Disbursal
On approval, funds are disbursed to your bank account.
Frequently Asked Questions
Typically up to 90% of the deposit value.