Loans & Credit
Sowing prosperity, reaping trust — together.
Kerala Necessity Co-operative Processing Agro Society is here to help you grow. We offer a range of loan schemes for our members, salaried individuals, businesses, and farmers. Whether you're a woman entrepreneur looking for a group loan or you need a gold loan at low interest, we'll help you find the credit that fits you best. Let's grow together!
Our Loan Products
Credit schemes for every need
Whether you are a woman entrepreneur, a salaried professional, a business owner, or looking for quick funds against gold — we have a loan designed for you.
Members Group Loan
For women members aged 18–58, provided in groups of 5–15 members residing within a 20 KM radius. For income generation purposes. Credit check, group training, and recognition test included.
Business Loan
Offered to employees of shops and business establishments with a minimum staff strength of 10, covered under the ESI scheme.
Personal Loan
Targeted to meet the requirements of salaried individuals. One of two personal loan categories offered by the Society.
Gold Loan
Quick, convenient, and flexible schemes with a high per gram rate and maximum loan amount. A secure loan with low interest.
Vehicle Loan
Tailor-made loans with up to 90% financing, flexible repayment tenure, and affordable EMI. Available for all brands, new and used vehicles. Open to salaried individuals, self-employed persons, partnership firms, and private limited companies.