Agriculture and Co-operation Department

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The Kalupur Commercial Co-op. Bank Ltd.

NETWORK OF 28 FULLY COMPUTERISED BRANCHE OUT OF WHICH 24 BRANCHES IN OUR OWN PREMISES WITH AIR CONDITIONED LOCKER FACILITIES.

Financial Position As on 31.03.200

	(Rs. Cores)
Share Capital :	12.41
Own Funds (Share Capital + Reserve) :	508.42
Deposits :	870.40
Advances :	479.22
Liquid Investments :	904.72
NPA Provision Held (Required 130.24 Crores) :	223.42
Capital Adequacy Ratio (Required 9%):	51.22%
Net NPA	0.00%
Audit Classification (since Inception)	"A"

Advacnes

Various tailor-made credit facilities for traders, entrepreneurs, self-employed persons, artisans, ect.

Rate ofintcrest from 8% to 130/0 on advances.

Interest rebate from 0.5% to 1.00% based on the credit rating system.

Attractive Finance Schemes	Int. Rate
Educational Loans (upto Rs. 10 /Rs. 15 Lacs)	8.00%
Against Pledge of Govt Securities	9.00%
Housing Loan (upto Rs. 10 lacs)	9.50%
Two-Wheeler Loan	11.00%
Consumer Durables Loan (upto Rs. 1 lac)	11.00%
Clean Cash Credit to Professionals (upto Rs. 1 lac)	11.00%

VALUE ADDED SERVICES

	Any Branch Banking Facility.
	ATM Services
	Demat Services available at Head Office & 10 other branches.
	Round the clock Tete-Banking and Tele-Dcmating Services
	Speedy tunds transfer through EFT services of RBI
	Acceptance of AMC Property & Vehicle Tax Bills
	Acceptance of GEB Electricity bills by our Vadodara and Anand Branch

SPECIAL SCHEME FOR MEMBERS

	Compassionate assistance of Rs. 10,000 to heir of deceased member.
	Cash incentive to meritorious wards of memhers and staff under scholarship scheme