The Kalupur commercial co-op bank Ltd. » Product Category

Micro Finance Loan

Rate of Interest	Details
Click Here	With a view to providing the banking services at the doorsteps of this deprived and ignorant class and to focus financial inclusion, the Bank grants Microfinance Loan facility as per RBI guidelines in a focused way. Bank is providing Microfinance Loan maximum for amount up to Rs. 50,000/- for the purpose of purchase of equipment, business, medical and social, repairing of house, education etc. for maximum repayment tenor upto -36- months to a household having annual household income up to Rs. 3,00,000/-. For this purpose, the household shall mean an individual family unit, i.e. husband, wife and their unmarried children. View More

Rate of Interest

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With a view to providing the banking services at the doorsteps of this deprived and ignorant class and to focus financial inclusion, the Bank grants Microfinance Loan facility as per RBI guidelines in a focused way.

Bank is providing Microfinance Loan maximum for amount up to Rs. 50,000/- for the purpose of purchase of equipment, business, medical and social, repairing of house, education etc. for maximum repayment tenor upto -36- months to a household having annual household income up to Rs. 3,00,000/-. For this purpose, the household shall mean an individual family unit, i.e. husband, wife and their unmarried children.

Kal Housing Loan

Rate of Interest

Details

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Purpose & Eligibility :

Construction / Purchase / Repairing of Flat / Tenament / Raw House / Bunglows.

The existing repayment obligation/s of the loan/s availed by the borrower will be added to the proposed Home Loan EMI for calculation of EMI / NMI Ratio. The said ratio must remain within the benchmark level as per the Bank’s below mentioned guidelines.

Net Annual Income	EMI / NMI Ratio
Above Rs.1.20 Lacs and upto Rs.2.00 Lacs	40.00%
Above Rs.2.00 and upto Rs.5.00 Lacs	50.00%
Above Rs.5.00 Lacs and upto Rs.10.00 Lacs	55.00%
Above Rs.10.00 Lacs	65.00%

Loan Amount : Max. Rs. 140.00 Lakh or 85 % of Sale Deed whichever is lower

Education Loan

Rate of Interest	Details
Click Here	Purpose & Eligibility : For Domestic & Foreign Education. Repayment Period : Max. 10 years Avail Interest benefits for Education loan up to Rs. 10 Lakhs under ‘Knowledge Consortium of Gujarat’ View More

Rate of Interest

Details

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Purpose & Eligibility :
- For Domestic & Foreign Education.

Repayment Period : Max. 10 years

Avail Interest benefits for Education loan up to Rs. 10 Lakhs under ‘Knowledge Consortium of Gujarat’

Car Loan

Rate of Interest	Details
Click Here	Purpose & Eligibility : For purchase a new car. Individuals between -21- to -65- years of age Permanent employees of Central / State Government, Central / State Government Boards, Public Sector Undertakings, Public or Private Companies or reputed establishments. For salaried customers other than above mentioned categories, regular employee with minimum -3- years of service. Professionals, Self-employed persons, Businessmen, Industrialists, & Farmers. CIBIL score of the applicant should be more than 600. Loan Amount : 80 % of Quotation of Vehicles (Basic price + Insurance + R.T.O. charges) Repayment Period : Max. 60 Months View More

Rate of Interest

Details

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Purpose & Eligibility :
- For purchase a new car.
- Individuals between -21- to -65- years of age
- Permanent employees of Central / State Government, Central / State Government Boards, Public Sector Undertakings, Public or Private Companies or reputed establishments.
- For salaried customers other than above mentioned categories, regular employee with minimum -3- years of service.
- Professionals, Self-employed persons, Businessmen, Industrialists, & Farmers.
- CIBIL score of the applicant should be more than 600.
Loan Amount :
- 80 % of Quotation of Vehicles (Basic price + Insurance + R.T.O. charges)
Repayment Period : Max. 60 Months

Fixed / NRO Deposits

Duration	ROI (Effective From : 30/04/2025)
7 Days – 14 Days	4.25 %
15 Days – 29 Days	4.25 %
30 Days – 90 Days	4.25 %
91 Days – 180 Days	4.50 %
181 Days – 364 Days	5.75 %
1 Year – 13 Months	7.25 %
More than 13 Months – Upto 2 Years	7.00%
More than 2 Years – Upto 3 Years	6.75%
More than 3 Years – Upto 5 Years	6.75%

Cumulative Fixed / NRO Deposits

Duration	ROI (Effective From : 30/04/2025)
6 Months and above – less than 1 year	5.75 %
1 Year – 13 Months	7.25 %
More than 13 Months – Upto 2 Years	7.00 %
More than 2 Years – Upto 3 Years	6.75 %
More than 3 Years – Upto 5 Years	6.75 %

Kamdhenu Deposits

Duration	ROI (Effective From : 30/04/2025)
Fixed period of 3 Years	6.75 %

Recurring Deposits

Duration	ROI (Effective From : 30/04/2025)
1 Year – 13 Months	7.25 %
More than 13 Months – Upto 2 Years	7.00 %
More than 2 Years – Upto 3 Years	6.75 %
More than 3 Years – Upto 5 Years	6.75 %

NRE Deposits

Duration	ROI (Effective From : 30/04/2025)
1 Year – 13 Months	7.25 %
More than 13 Months – Upto 2 Years	7.00 %
More than 2 Years – Upto 3 Years	6.75 %
More than 3 Years – Upto 5 Years	6.75 %

Kal Double Deposits

ROI (Effective From : 30/04/2025)
For 124 Months
6.76 %

Non Callable Deposits

Particulars	ROI (Effective From : 30/04/2025)
For Rs. 100.00 Lacs & above Deposits only (Period: Minimum 1 year, Maximum 2 years) 1 Year – 13 Months	Retail Deposit (up to Rs.1.00 crore) – Bulk Deposit (Rs.1.00 crore and above) – 7.00 %
More than 13 Months – Upto 2 years	Retail Deposit (up to Rs.1.00 crore) – Bulk Deposit (Rs.1.00 crore and above) – 6.75 %

Kal Two Wheeler Loan

Rate of Interest	Details
Click Here	Purpose & Eligibility : For purchase of Two Wheeler Existing Customers / Borrowers of the Bank and Close relatives, Salaried Employees are eligible to apply for this loan Loan Amount : Max. Rs. 5.00 Lakh Repayment Period : Max. 60 Months View More

Rate of Interest

Details

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Purpose & Eligibility :
- For purchase of Two Wheeler
- Existing Customers / Borrowers of the Bank and Close relatives, Salaried Employees are eligible to apply for this loan
Loan Amount : Max. Rs. 5.00 Lakh
Repayment Period : Max. 60 Months

Kal FD-OD

Rate of Interest	Details
Click Here	Purpose & Eligibility : For Higher Education, Courses approved by AICTE or Top Ranked Colleges / Universities. Loan Amount : Min. : Rs. 500.00 Lakh Max. : No limit Repayment Period : Till Fixed Deposit due. View More

Rate of Interest

Details

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Purpose & Eligibility :
- For Higher Education, Courses approved by AICTE or Top Ranked Colleges / Universities.
Loan Amount :
- Min. : Rs. 500.00 Lakh
- Max. : No limit

Repayment Period : Till Fixed Deposit due.

Loan Against Property

Rate of Interest	Details
Click Here	Purpose & Eligibility : Business expansion / professional needs / marketing Improvement/extension of existing property Repayment of high interest bearing existing loans from other banks/FIs Purchase of new Shop / Office / Go-down for business expansion Working Capital needs Loan Amount : For Salaried : Min. Rs. 2.00 Lakh ; Max. Rs. 300.00 Lakh For Business Class : Min. Rs. 5.00 Lakh ; Max. Rs.750.00 Lakh Repayment Period : 7 years View More

Rate of Interest

Details

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Purpose & Eligibility :
- Business expansion / professional needs / marketing
- Improvement/extension of existing property
- Repayment of high interest bearing existing loans from other banks/FIs
- Purchase of new Shop / Office / Go-down for business expansion
- Working Capital needs
Loan Amount :
- For Salaried : Min. Rs. 2.00 Lakh ; Max. Rs. 300.00 Lakh
- For Business Class : Min. Rs. 5.00 Lakh ; Max. Rs.750.00 Lakh
Repayment Period : 7 years

Personal Loan

Rate of Interest	Details
Click Here	Purpose & Eligibility : For Personal need other than for the purpose of speculation,gambling and such undesired activities not encouraged by bank. Loan Amount : Min. : Rs.25000/- Max. : Rs. 5 Lakh Repayment Period : 12 to 60 months View More

Rate of Interest

Details

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Purpose & Eligibility :
- For Personal need other than for the purpose of speculation,gambling and such undesired activities not encouraged by bank.
- Loan Amount :
  - Min. : Rs.25000/-
  - Max. : Rs. 5 Lakh
- Repayment Period : 12 to 60 months

Deposits under section 80C of Income Tax

Particulars	ROI (Effective From : 30/04/2025)
Regular Rate	6.75 %
Staff Rate	–

Kal Short Term Deposits

Particulars	ROI (Effective From : 30/04/2025)
General/Sr.Citizen/Super Sr. Citizen/NRO (Duration : 111 Days to 360 Days)	5.00%
Staff	–

Particulars

ROI (Effective From : 30/04/2025)

General/Sr.Citizen/Super Sr. Citizen/NRO

(Duration : 111 Days to 360 Days)

5.00%

Staff

–

Important Notes :

Premature Renewal of Term Deposit : In case the depositor desires to renew the deposit by seeking premature closure of an existing term deposit account, the bank will permit the renewal at the applicable rate on the date of renewal, provided the deposit is renewed for a period longer than the balance period of the original deposit. While prematurely closing a deposit for the purpose of renewal, interest on the deposit for the period it has remained with the bank will be paid at the rate applicable on the date of deposit to the period for which the deposit remained with the bank and not at the contracted rate. In such case penalty for pre-payment of desposit will not be imposed.
Senior Citizen (i.e. having age of 60 years or more) will continue to get benefit of 0.50% higher interest rate on Deposits. However Deposits placed by Senior Citizen under section 80 C of Income Tax Act, NRE-NRO, Kal Flexi, Diamond Kal Flexi, Non-callable Deposits, Kal Double Deposit , Kal Short Term Deposit will not be eligible for such additional interest rate benefit.
Super Senior Citizens (who have completed 75 years) will continue to get additional benefit of 0.25% i.e. total benefit of 0.75% higher interest rate on Deposits. However Deposits placed by Super Senior citizen under section 80 C of Income Tax Act, NRE-NRO, Kal Flexi, Diamond Kal Flexi, Non-callable Deposits, Kal Double Deposit , Kal Short Term Deposit will not be eligible for such additional interest rate benefit.
Senior Citizens and Super Senior Citizens will not get benefit of additional interest rate on Deposits having maturity of less than 1 year. This means that if Senior Citizen/ Super Senior Citizen want to avail benefit of additional interest rate on Deposits then they have to place deposit for 1 year & above.
Staff members will continue to get 1% additional interest on Term Deposits. If staff is Senior Citizen, he/she will continue to get additional interest benefit of 0.50% and super senior citizen will continue to get further interest benefit of 0.25%, subject to concerned staff having submitted declaration that money deposited belongs him / her only
The Kalupur Commercial -Co-Op Bank Ltd. is registered with DICGC :

*Conditions Apply

Regular Saving Account

Rate of Interest	Facilities
3.25 %	Quarterly Average Balance Rs. 1000/- Services : Free Mobile Banking, Free Internet Banking Free E-Statement Free Chequebook (QAB – Rs. 1000/- maintained) Classic RuPay ATM cum Debit Card View More

Rate of Interest

Facilities

3.25 %

Quarterly Average Balance Rs. 1000/-
Services :
- Free Mobile Banking, Free Internet Banking
- Free E-Statement
- Free Chequebook (QAB – Rs. 1000/- maintained)
- Classic RuPay ATM cum Debit Card

Premium Saving Account

Rate of Interest	Facilities
3.25 %	Quarterly Average Balance Rs.50,000/- Services : Free Mobile Banking , Free Internet Banking Free SMS Service Free E-Statement Free Chequebook Platinum RuPay ATM cum Debit Card No RTGS-NEFT Charges No Outward Cheque return penalty No AMC for two years for New Demat Account Holder 50% concession in processing charges relating to Retail Loans Personalized service at Branch Sweep in / out facility in the multiple of Rs. 10,000/- (deposit may be made for 120 days at the rate of interest applicable from time to time). View More

Rate of Interest

Facilities

3.25 %

Quarterly Average Balance Rs.50,000/-
Services :
- Free Mobile Banking , Free Internet Banking
- Free SMS Service
- Free E-Statement
- Free Chequebook
- Platinum RuPay ATM cum Debit Card
- No RTGS-NEFT Charges
- No Outward Cheque return penalty
- No AMC for two years for New Demat Account Holder
- 50% concession in processing charges relating to Retail Loans
- Personalized service at Branch
- Sweep in / out facility in the multiple of Rs. 10,000/- (deposit may be made for 120 days at the rate of interest applicable from time to time).

Privilege Saving Account

Rate of Interest	Facilities
3.25 %	Quarterly Average Balance Rs.20,000/- Services : Free Mobile Banking , Free Internet Banking Free SMS Service Free E-Statement Free Chequebook Platinum Rupay ATM cum Debit Card No RTGS-NEFT Charges No Outward Cheque return penalty No MICR / CTS Charges No AMC for one year for New Demat Account Holder 25% concession in processing charges relating to Retail Loans 10% discount in Locker rent Sweep In / out facility in the multiple of Rs. 10,000/- (Deposit may be made for 120 days at the rate of interest applicable from time to time). View More

Rate of Interest

Facilities

3.25 %

Quarterly Average Balance Rs.20,000/-
Services :
- Free Mobile Banking , Free Internet Banking
- Free SMS Service
- Free E-Statement
- Free Chequebook
- Platinum Rupay ATM cum Debit Card
- No RTGS-NEFT Charges
- No Outward Cheque return penalty
- No MICR / CTS Charges
- No AMC for one year for New Demat Account Holder
- 25% concession in processing charges relating to Retail Loans
- 10% discount in Locker rent
- Sweep In / out facility in the multiple of Rs. 10,000/- (Deposit may be made for 120 days at the rate of interest applicable from time to time).

Special Saving Account

Rate of Interest	Facilities
3.25 %	Quarterly Average Balance of Rs.5000/-. Services : Free Mobile Banking Free Internet Banking Free E-Statement Free Chequebook Free DD / PO Free RTGS / NEFT Rupay ATM cum Debit Card View More

Rate of Interest

Facilities

3.25 %

Quarterly Average Balance of Rs.5000/-.
Services :
- Free Mobile Banking
- Free Internet Banking
- Free E-Statement
- Free Chequebook
- Free DD / PO
- Free RTGS / NEFT
- Rupay ATM cum Debit Card

Mahila Gaurav Saving Account

Rate of Interest	Facilities
3.25 %	Quarterly Average Balance ‘0’. Services : Free Mobile Banking Free Internet Banking Free E-Statement Free Chequebook Free DD / PO Free RTGS / NEFT Rupay ATM cum Debit Card No Locker rent for 1st year. (A-Size , if vacant in branch) Eligibility : First Account Holder under this scheme should be female only but any family member can be a Joint Holder. View More

Rate of Interest

Facilities

3.25 %

Quarterly Average Balance ‘0’.
Services :
- Free Mobile Banking
- Free Internet Banking
- Free E-Statement
- Free Chequebook
- Free DD / PO
- Free RTGS / NEFT
- Rupay ATM cum Debit Card
No Locker rent for 1st year. (A-Size , if vacant in branch)
Eligibility : First Account Holder under this scheme should be female only but any family member can be a Joint Holder.

Kids Saving Account

Rate of Interest	Facilities
3.25 %	Quarterly Average Balance ‘0’. Services : Free E-Statement to Guardian Free Chequebook Classic RuPay ATM cum Debit Card Eligibility Age 13 years and more. View More

Rate of Interest

Facilities

3.25 %

Quarterly Average Balance ‘0’.
Services :
- Free E-Statement to Guardian
- Free Chequebook
- Classic RuPay ATM cum Debit Card
Eligibility
- Age 13 years and more.

Basic Saving Account

Rate of Interest	Facilities
3.25 %	No minimum balance requirement. Services : No limit on number and value of deposits and withdrawals that can be made in a month. Free Cheque Book Facility Free Mobile Banking Free Internet Banking Free E-Statement Free ATM cum Debit Card (Classic Card only) Eligibility : Not eligible for opening any other saving bank Deposit in Bank. View More

Rate of Interest

Facilities

3.25 %

No minimum balance requirement.
Services :
- No limit on number and value of deposits and withdrawals that can be made in a month.
- Free Cheque Book Facility
- Free Mobile Banking
- Free Internet Banking
- Free E-Statement
- Free ATM cum Debit Card (Classic Card only)
Eligibility : Not eligible for opening any other saving bank Deposit in Bank.