Welcome to Primary Argiculture Co-operative Society

KCC Loan

Crop loans for the cultivation / Agricultural operations will be issued to members of the PACS. Such loans will be issued for the cultivation of are Areca Nut, Coca Nut, Coffee, pepper, and vegetables are Patota, Tamota, cabbage, etc.,Sericulture crops etc., or any other crop to be decided by the PACS every year. Under the instruction by DCC Bank Chikamagalur.

The amount of KCC loan is decided by the Govt crop scale for corresponding year and the NCL of the farmer .

The loan is provided for the period of 1year and renewed every year

Rate Of Interest:- Govt Decided ROI For Corresponding Year.

Medium Term Loan

Loans granted for a period exceeding twelve months, except in case of sugarcane crops are called Medium Term Loans.

The PACS will issue Medium Term Loans for the following agricultural purposes

Loan Purpose	Loan Limit	Repayment Period	Rate of Interest
Land Development Loan	Upto 10Lakhs	60 Months	3.00%
Land Development Loan	10Lakhs - 40Lakhs	60 Months	12.00%
Dairy Loan(2Cattles)	1.20Lakhs	36 Months	3.00%
Dairy Loan(10Cattles)	7.30Lakhs	60 Months	3.00%
Tractor	85% of Invoice Value	36 Months	3.00%
Poultry	Upto 10 Lakhs	60 Months	3.00%
Sheep	Upto 10 Lakhs	60 Months	3.00%

SHG Loan

Let us grow together with PACS SHG Loans.

Rate Of Interest:- Govt Decided ROI For Corresponding Year.

Criteria	Policy
Purpose	Loans to SHGs (Self Help Groups) to fulfil their productive and emergent credit needs to create positive impact at the bottom of the pyramid, leading to their financial and social empowerment.
Loan Limit	Upto Rs. 3.00 Lakhs
Repayment Period	Upto 12 Months
Documents Required	1. Inter se agreement 2. Article of agreement 3. Residential proof / Address proof of all members. 4. Copy of Aadhar card 5. Individual photos of all the members and group photo of the SHG. 6. Xerox copy of minutes for the meetings held during the last 6 months 7. Any other documents which may be considered necessary as per requirement of the case.

Salary Loan

Unplanned or emergency expenses can crop up at any time in our life. If you are planning to get married or want to renovate your home and are falling short of funds, then worry no more. Instead, it is indeed a good idea to explore the option of taking personal loans to meet these expenses.

Rate Of Interest:- 11.50%.

No pre-closure charges or part payment charges.

Criteria	Salaried
Eligible Individuals	Individuals who are permanent/regular employees of Govt. of Karnataka, Public Sector Undertakings and other salaried persons of reputed private companies.
Loan Limit	3.00 Lakhs
Repayment period	Upto 36 Months
Documents required	Pay slips, 3 months Bank statement, KYC documents etc.

Surety Loan

Unplanned or emergency expenses can crop up at any time in our life. If you are planning to get married or want to renovate your home and are falling short of funds, then worry no more. Instead, it is indeed a good idea to explore the option of taking personal loans to meet these expenses.

Rate Of Interest:- 11.75%.

No pre-closure charges or part payment charges.

Criteria	Salaried
Loan Limit	2.00 Lakhs
Repayment period	Upto 36 Months
Documents required	Surety Documents, KYC documents etc.

Home Loan

Step into your dream home with pride with PACS Home loan.

Owning a home is a dream that will be cherished for a life time. With PACS home loan, hassle-free processing and attractive interest rate, we make your experience memorable.

Enjoy the convenience of making advance payments without any additional charges. No pre-closure or take over or part payment charges.

Rate Of Interest:- 10.00%.

Criteria	Policy
Purpose	Construction of Independent House either Single or joint
Loan Limit	Upto Rs. 75.00 Lakhs
Repayment period	Upto 180 Months
Documents required	1. 3 months’s Pay slips/3 years IT returns (in case of self-employed) 2. 6 months Bank statement 3. Copies of Sale deed/Partition deed/Gift deed 4. Agreement of sale,Title deeds of the property ,RTC/Form 9 and 11A, EC, latest tax paid receipt ,Estimation report 5. Legal Scrutiny Report by our Bank panel lawyer 6. Encumbrance Certificate for 13 years 7. Necessary permissions from competent authorities 8. KYC documents,Cheques etc.

Vehicle Loan

Your dreams have never come true so easily before.

Owning a Vehicle is a pride. With PACS Vehicle Loan, hassle-free processing and attractive interest rate, we make your experience memorable.

Rate Of Interest:- 10.00%.

Criteria	Policy
Purpose	For purchase of new two wheelers,Car,Multi Utility Vehicles(MUVs) and SUVs.
Loan Limit	For Two Wheelers - 70 % of Invoice Value For Other Vehicle -70% of Invoice Value Upto 35 Lakhs
Repayment Period	48 Months
Documents Required	1. 3 months’ Pay slips/3 years IT returns (in case of self-employed) 2. 6 months Bank statement 3. Quotation from Dealer 4. KYC documents,Cheques etc.

Gold Loan

Gold loans are the quickest way to get funds for personal or business requirements. With minimal documentation and secure storage, our gold loans are best funding option to meet your immediate financial needs.

Criteria	Gold Loan
Loan Limit	Rs. 10.00 Lakhs
Rate of Interest	9 % p.a
Repayment period	12 Months
Per gram rate	upto 80% market value

Mortgage Loan / Purchase Loan

Invest your fixed assets for further investment.

PACS offers Mortgage Loan on your residential property.

Enjoy the convenience of making advance payments without any additional charges. No pre-closure or take over or part payment charges.

Rate Of Interest:- 10.75%.

Criteria	Policy
Purpose	Loans for business, education, medical treatment, trade, construction activity – repairs to immovable property, marriage, personal reasons, etc.
Age of Property
Loan Limit	Upto Rs. 75.00 Lakhs
Repayment Period	Upto 180 Months
Documents required	1. 3 months’ Pay slips/3 years IT returns (in case of self-employed) 2. 6 months Bank statement 3. Copies of Sale deed/Partition deed/Gift deed 4. Agreement of sale,Title deeds of the property ,RTC/Form 9 and 11A, EC, latest tax paid receipt ,Valuation report 5. Legal Scrutiny Report by our Bank panel lawyer 6. Necessary permissions from competent authorities 7. KYC documents etc. 8. Any other documents which may be considered necessary as per requirement of the case.

Overdraft Loan

Invest your assets for further investment or domestic purpose.

PACS offers Overdraft Loan on your property and other securing documents.

Enjoy the convenience of making advance payments without any additional charges. No pre- closure or take over or part payment charges.

Rate Of Interest:- 11%.

Criteria	Policy
Purpose	Loans for business, trade, personal reasons, etc
Loan Limit	Upto Rs. 3.00 Lakhs (secure documents) and Upto Rs. 50.00 Lakhs (property, etc)
Repayment Period	Mortgage period Max. 15 year, 3 year once renewal And quarterly interest repaid.
Documents required	1. 3 months’ Pay slips/3 years IT returns (in case of self-employed) 2. 6 months Bank statement 3. Copies of Sale deed/Partition deed/Gift deed 4. Agreement of sale,Title deeds of the property ,RTC/Form 9 and 11A, EC, latest tax paid receipt ,Valuation report 5. Legal Scrutiny Report by our Bank panel lawyer 6. Necessary permissions from competent authorities 7. KYC documents etc. 8. Any other documents which may be considered necessary as per requirement of the case.