LONG TERM LOAN POLICY OF DNS BANK

DIVY A PADMANABHANROLL NO. 861

OBJECTIVE STATEMENT 1. To give a brief introduction about the

Dombivli Nagarik Sahakari Bank Ltd.

2.  To identify the different types of long term loans policies of Dombivli Nagarik Sahakari Bank Ltd

3. To analyse and evaluate the long term policies of Dombivli Nagarik Sahakari Bank Ltd.

INTRODUCTIONThe Dombivli Nagari Sahakari Bank Ltd.

Began operations on 6th September, 1970.It achieved the status of a scheduled bank in

1996.Core Banking Services From the Year 2006Corporate Office- Sonarpada, Dombivli (East)Registered Office- Ambika Nagar,

Dombivli(West)

2008 2009 2010 2011 2012 20130

200

400

600

800

1000

1200

1400

1600

1800

ADVANCES

380 Crores

220 Crores543

Crores

260 Crores

76 Crores 46 Crores

ALLOCATION OF CREDIT

S.S.I.Medium and Large IndustriesCommerce, Trade and EducationHousing and Real EstateOthersS.M.E.

Sukh Vastu Swapna Vastu Swapna Poorti

Housing Plus

Up to Rs. 10.00 Lacs per beneficiary of a dwelling unit.

Above Rs. 10.00 to Rs. 30.00 Lacs per beneficiary of a dwelling unit.

Above Rs. 30.00 Lacs to Rs. 70.00 Lacs.

PURPOSE: For any personal expenditure like expenses for renovation of the house, etc.

Maximum permissible limit will be 70% of the residual value of the house property.

Repayment period: 15 years maximum

Repayment period: 15 years maximum

Repayment period: 15 years maximum

Repayment period: 7 years extendable to 10 years

HOUSING LOANS

Educational Purpose - For Higher Education in India or aboard.

Loan Limit- Max Rs. 20.00 Lacs- Studies in India - Rs. 10.00 Lacs- Studies in Abroad - Rs. 20.00 LacsMoratorium Period- Duration of course + 6 months

OR3 Months after getting a job whichever is earlier

EDUCATIONAL LOAN

VEHICLE LOANSSafar Vehicle Loan

SchemeVehicle Loan for 2 Wheeler

PurposeFor purchase of New / Old (second hand 4 Wheelers Vehicle).

PurposeFor purchase of New Vehicle.

Repayment ScheduleMaximum 60 months (New Vehicle).2nd Hand Vehicles(Upto 5Yrs. Old)- 36 months.

Loan LimitMaximum up to Rs. 1.00 Lac.

“PLEASURE TRAVEL” LOAN SCHEMEPurpose: To meet the expenditure of

travelling in India or Abroad.Repayment Schedule: 24 months

maximum.Interest Rates: - 14% for Salaried People.- 14.50% for Others.

Gold Loan PolicyLoan Limit- Need Based- Rs. 18000/- per 10 gms of pure gold

OR75 % of valuation whichever less.

Repayment Schedule: 12 months

NAME Utsav Loan Scheme

Suvidha Loan Scheme

Mortgage Loan Scheme

Advances against Shares

PURPOSE For purchase of T.V., Fridge, Two wheeler & all consumer durable items

Repayment of old Debts, Tourism Loans. etc., any other purpose acceptable to Bank

Purchase of Consumer durables, medical expenses etc.,

To meet any contingencies & personal needs

LOAN LIMIT

Maximum Rs. 1 lacs

Maximum Rs. 5 Lacs

- Need Based- 40% of market value of residential flat

Maximum Rs. 5 Lacs

REPAYMENT SCHEDULE

Maximum 36 Months

30 months / 60 months

84 months 50 % on Market Value

INTEREST RATESTYPE OF LOAN TIME PERIOD INTEREST RATE

Housing Loan Max. 240 Months 9.75% - 10.25%

Housing Plus Max. 7 years 13.50%

Vehicle Loan 36 Months and upto 60 Months

11.00% - 14.75%

Utsav Loan Up to 36 Months 16 % - 17%

Educational Loan Max. 60 Months excluding moratorium

11.5.% - 12.50%

Gold Loan 12 Months 12.00%

Advance against Shares

12 Months 16.00%

CORPORATE LOANS

Purpose: To meet the recurring needs of Business class professionals & self employed persons.

Loan Limit: Rs. 5 Lacs unsecured cash credit.Repayment Schedule: 12 Months

SAMRUDHI YOJANA

Small & Micro Enterprises (SMEs)

For a business on the growth phase with a wide range of opportunities to explore, timely availability of credit is essential to scale new heights. At DNS Bank we see ourselves as partners to Clients business, enabling them to focus on their business needs.

Finance can be availed to:For Purchase of Factory PremisesFor Purchase of MachineryWorking CapitalRevamp / Replacement of MachineryVarious options are available for interest and capital

subsidy.

Yashwanth - Loan Scheme for Professionals

Medical Practitioners, Dentists.Chartered Accountants / Cost Accountant /

Tax Consultants.Architects / Interior Decorators.Consulting Engineers / Surveyors.Management Consultants / Software

Professionals.Fashion Designers.

Advances to Builders

18.00%

THANK YOU! QUESTIONS?