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Consumption loan to Individuals

Type of loan

Medium term loan – Non-agriculture

Method of Repayment



Marriage / Domestic / Treatment Purpose.

Eligibility Criteria



Personal Surety and Mortgage security.

Scale of finance

Not applicable.

Limit of loan

Rs: 60 Lakhs(Mortgage), 2 Lakhs(Personal Surety)


Not applicable.

Holiday period

Not applicable.

Repayment period

120 Months.

Rate of interest

As per interest structure.

Penal Interest

2% for overdue installments. When the loan becomes fully overdue 2% of additional interest on contract rate is charged.


1)   Up to 50000 service charge is collected @ 0.25% of total Loan amount sanctioned. Above 50000         it is   @ 0.35%.this Is credited under the head HO miscellaneous income. 
2)   Risk fund @ 0.25% of loan amount is collected from the loanee with a minimum of Rs:100 and a maximum of Rs:525. Risk fund collected is kept under Suspense liability and once in a month transferred to HO.



Note: Staff members can also avail this loan. In that case maximum amount is one lakh and the rate of interest is 2% below the prevailing rate. Maximum period is 60 months and security is personal surety of another staff.

News & Events

Revision of Deposit Interest rates with effect from 16-06-2017
RBI observing Financial Literacy week from June 5-9 across the Country, be a part of it
Reminiscence of Sri EV Kumaran-Formar bank president held at bank auditorium on 03-06-2017
Tender No: HO/IT/1/2016-17 dt: 05-04-2017. Last date and time for submitting Filled RFP : 25-04-2017,01.00 P.M. Date and Time of Technical Bid Opening will be informed later.
Sri A Abdul Rasheed, Joint Registrar of Cooperative Societies has taken charge as Part-Time Administrator of KDC Bank
Tender invited for Supply and Installation of Desktps, Laptops, Printers, UPS etc
KDC Bank Received the NABARD AWARD for the best financial perfomance and initiative under Developmental field during the year 2015-16
KDC Bank Customers have secured cash back concerned with the Lucky Grahakh Yojana declared by central government recently for promoting digital transaction.
KDCB Bank got Special Recognition award in DCCB Category in Banking Frontiers Awards
Bank will not ask your ATM Card Number and Secret PIN in any case. beware of such frauds
RTGS/NEFT Facility is absolutely FREE at Our Bank without any limit.
NRE account facility is available at all branches of KDC Bank. Fix an appointment with our branch at your convenience..
Customers can now easily change their existing bank to our bank for AADHAAR Linking. Submit the Mandate Form to our branch immediately
All type Scholarship Schemes for School going students can be availed through their KDC Bank accounts,
All our customers can now enjoy the facility of DBT and All AADHAAR based payments. Link your AADHAAR Number immediately
KDCB RuPay Debit cum ATM Card is acceptable in ATMs/Retail Outlets/PoS all over India. Enjoy the convenience of Cashless Shopping Conact KDC Bank Branch for your ATM card
Unclaimed deposits Transferred to RBI - DEAF(Depositor Education and Awareness Fund Scheme)-2014 for more details see link Downloads
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