Member Loans
Property-Secured Loan
The Property-Secured Loan is a facility available to eligible members against approved immovable property, subject to title verification, valuation, documentation and the company's lending policy.
Key loan information
- Eligibility
- Active, eligible members only
- Permitted purpose
- Approved requirements as per policy [VERIFY]
- Loan amount
- ₹[VERIFY] to ₹[VERIFY]
- Tenure
- [VERIFY]
- Interest-rate range
- [VERIFY]% to [VERIFY]% p.a.
- Security required
- Mortgage of approved immovable property
- Approval timeline
- Subject to verification, valuation and approval
Eligibility
- Active membership of Anjani Nidhi
- Minimum age: [VERIFY] years
- Completed and current KYC
- Demonstrated repayment capacity
- Clear, marketable title to the property offered as security
- Other internal approval criteria as applicable
Documents required
- Membership identification
- PAN
- Identity and address proof
- Income or repayment evidence
- Property title documents
- Photographs
- Bank details
- Loan application form
Documents are collected only through authorized, secure channels. Never send identity documents or bank details through public website forms or unverified contacts.
Application process
- 1
Submit an enquiry.
- 2
Visit the authorized branch.
- 3
Complete KYC and documentation.
- 4
Property title is verified and the property is valued.
- 5
Eligibility and repayment capacity are assessed.
- 6
Approved terms are provided.
- 7
Agreement, mortgage creation and disbursement are completed.
Every application is subject to verification, valuation and approval. Submitting an application does not guarantee sanction or disbursement.
Rates and charges
| Item | Applicable amount / rate | Effective from |
|---|---|---|
| Interest rate | [VERIFY: Approved range] | [VERIFY] |
| Processing charge | [VERIFY] | [VERIFY] |
| Valuation / legal charge | [VERIFY] | [VERIFY] |
| Penal charge | [VERIFY] | [VERIFY] |
| Notice / auction charge | [VERIFY: Basis] | [VERIFY] |
All rates and charges are governed by the applicable circular and loan agreement. See the Rates and Charges page for the current circular.
Repayment and default information
- Repayment frequency and channels as per the loan agreement [VERIFY]
- Prepayment permitted as per company policy [VERIFY]
- Late payment attracts penal charges and notices as per policy
- Continued default may lead to enforcement of security through the documented legal process
- Members retain full grievance rights throughout the process
Frequently asked questions
What property can be offered as security?
Approved immovable property with clear, marketable title, as assessed during verification and valuation. [VERIFY: property types accepted]
How long does approval take?
Approval depends on title verification, valuation and internal assessment. No fixed timeline is guaranteed.