Visit any of our SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society branches and receive money against pledging your gold ornaments. We accept ornaments and Coins as well. Our dedicated Gold Loan staff at our branches will take care of all the processes with hassle free documentation. The loan amount will depend upon the rate of Gold on that particular day and also on its purity. The customer is entitled to receive his/her gold ornaments pledged, after the loan amount is fully repaid together with complete interest. If a customer fails to repay the amount within the due date, SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society might decide to auction the pledged gold to recover the dues. However, the customer will be intimated and given notices as per Gold Loan rules, before such decision is taken.Our Gold loan Scheme has many features specially designed to cater to customer's varied requirements. We are the only company that has a gold loan product with the lowest interest rate of 1.17% pm in the industry.
1. Its mandatory to become as a member of the SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society Ltd, and SMACCS will issue Minimum Five shares, each with Share value of Rs.300/- towards share capital.
2. Minimum Loan amount is Rs 10,000/- and Maximum Loan amount is Rs 10.00 Lakhs
3. No Processing Fee. Only appraisal charges will be collected towards gold appraisal
4. Simple and easy documentation and Quick Disbursal of Loan. EMI facility available
5. High Security with Safe Vault room and CCTV coverage for 24 hours, 365 Days.
6. For EMI mode of payment, there would be bounce charges of Rs 500/- will be levied. And further 5% of EMI amount per month for delayed months will be levied.
Everyone has an emergency for his/her unforeseen financial crunch of personal or business. Here is the best product available with our SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society which gives immediate cash flow on your Fixed Deposit / Recurring Deposit. Visit any of our SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society branches and receive money immediately against pledging of your Deposit Bond.
1. Its mandatory to become as a member of the SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society Ltd, and SMACCS will issue Minimum Five shares, each with share value of Rs.300/- towards share capital.
2. Minimum Loan amount is Rs 5,000/- and Maximum Loan amount is Rs 10.00 Lakhs
3. Avail Loan upto 90% of your Fixed Deposit / Recurring Deposit with 3% additional interest rate of FD/RD
4. No Processing Fee. Only documentation charges will be collected towards LAFD process
5. Simple and easy documentation and Quick Disbursal of Loan. EMI facility available
6. Can be availed as Overdraft or Demand Loan or Term Loan or Bullet Payment Loan.
7. At the time of maturity, the loan amount will be fully adjusted against the FD/RD and balance amount can be paid to the customer. Loan against MIP deposit, the monthly interest can be adjusted to the loan account towards interest.
8. For EMI mode of payment, there would be bounce charges of Rs 500/- will be levied. And further 5% of EMI amount per month for delayed months will be levied.
In human life cycle there is always requirement of financial assistance to fulfill his/her various financial needs. It may be for Business Expansion, or for a special family function or planning for children higher education overseas or for further investments. Here our SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society will provide one point financial solution for all your needs with Loan against property / Mortgage Loan scheme. Our multipurpose loan comes with an attractive interest rate, easy repayment options with highest LTV on your property. Expand your horizons of growth with SMACCS Mortgage Loan scheme.
1. Its mandatory to become as a member of the SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society Ltd, and SMACCS will issue Minimum Five shares, each with share value of Rs.300/- towards share capital.
2. Minimum Loan amount is Rs 1,00,000/- and Maximum Loan amount is based on eligibility criteria.
3. Avail Loan upto 60% of your Property Value with differential interest rate for different periods.
4. Balance transfer facility with additional loan amount is available. Simple and easy documentation
5. Can be availed as Overdraft or Term Loan with easy EMI payments Option. Property will be mortgaged favoring SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society and stamp duty should be paid as per particular State Stamp Rules.
6. Nominal Pre-Closure charges. CIBIL deviation allowed with proper justification.
7. Loan can be sanctioned without ITRs / Income proof under Income Assessment Program.
8. LRD facility also available on rental income from commercial property
9. For EMI mode of payment, there would be bounce charges of Rs 500/- will be levied. And further 5% of EMI amount per month for delayed months will be levied.
You might be invested in Govt. Securities like Post Office Bonds, other Govt. Bonds and LIC Bonds for a specific purpose like tax savings etc., Whereas the liquidity is little tough when it comes to encash the amount for your emergency financial needs. Here is the one point solution for ready cash provided by our SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society on your locked funds. This is unique product and we are the only Banking offering the loan against above bonds.
1. Its mandatory to become as a member of the SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society Ltd, and Company will issue Minimum Five shares, each with share value of Rs.300/- towards share capital.
2. Minimum Loan amount is Rs 10,000/- and Maximum Loan amount is Rs 5.00 Lakhs.
3. Avail Loan upto 70% of the surrender value of the Bond with attractive interest rate.
4. Bonds can be assigned to SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society by the respective Govt. Agency
5. Can be availed as Overdraft or Term Loan with easy EMI payments Option.
6. Maximum Loan period is 1 Year or leftover period for the maturity of the Bond whichever is earlier.
7. Nominal Pre-Closure charges. No CIBIL score is required to avail loan.
8. For EMI mode of payment, there would be bounce charges of Rs 500/- will be levied. And further 5% of EMI amount per month for delayed months will be levied.
In our society, every human being will need his / her own dwelling unit to shelter his/her family. And its every common man’s dream to have a dream home whether outright purchase or construction. Here our SMACCS will provide you Housing Loans with attractive interest rates with balance transfer facility from other Banks / FIs.
1. Its mandatory to become as a member of the SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society Ltd, and Company will issue Minimum Five shares, each with share value of Rs.300/- towards share capital.
2. Minimum Loan amount is Rs 100,000/- and Maximum Loan amount is based on the eligibility and Property value.
3. Avail Loan upto 80% of the Property value or 140% of Registration value of the property. CIBIL deviation is allowed to avail loan with proper justification.
4. Property will be mortgaged favoring SUNSTONE Mutually Aided Co-Op. Thrifts & Credit Society Limited and stamp duty should be paid as per particular State Stamp Rules.
5. Can be availed as Term Loan with easy EMI payments Option.Nominal Pre-Closure charges. For EMI mode of payment, there would be bounce charges of Rs 500/- will be levied. And further 5% of EMI amount per month for delayed months will be levied.
6. Loan can be sanctioned without ITRs / Income proof under Income Assessment Program.
7. Simple documentation of KYCs, Income Proof, Property documents along with Link, EC and Plan.
