RBI License No. : UBD.RAJ 1117P    GST No. : 08AAAAT3808N2Z5
Udaipur Mahila Samridhi Bank Logo
The Udaipur Mahila Samridhi
Urban Co-operative Bank Ltd.
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Latest Updates
09 MAY 2026 Udaipur Mahila Samridhi Urban Co-operative Bank Ltd. was honored with the "Best Digital Bank Award" at the prestigious All India Co-operative Banking Summit & Awards organized by Crest Infomedia in Pune.
09 Oct 2018 The Bank provides complete digital banking solutions including RTGS / NEFT, RuPay ATM Debit Cards with Contactless Facility, IMPS, UPI, POS / E-Commerce Transactions and BBPS Services for secure, fast and convenient banking experience.
19 Nov 2017 Mobile Banking Services are available for both Android and iOS platforms, offering customers seamless access to fund transfers, balance enquiry, bill payments and digital banking facilities 24x7.
18 Sept 2025 Udaipur Mahila Samridhi Urban Co-operative Bank Ltd. received prestigious FCBA Awards for excellence in Core Banking Solutions (CBS), Data Management, Leadership and Mobile Banking Services.

Loan / Limit Against Tangible Security

The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd. provides Loan / Limit facilities against tangible securities such as NSC, KVP, LIC Policies, FDRs, Gold, and AGBY Accounts with simple documentation and quick processing.

Loan Against Tangible Security

Secure Loans Against Valuable Assets

Bank bylaws authorize the CEO to sanction loans against tangible securities up to ₹15 Lakhs subject to Bank norms.

Customers can avail quick financial assistance by pledging approved securities like FDR, LIC policies, NSC, KVP, Gold, and other eligible investments.

Loan eligibility depends upon realizable value of pledged security and applicable banking rules.

Key Features & Benefits

Quick Loan Processing

Fast approval and disbursement against eligible securities.

Multiple Security Options

Loans available against LIC, FDR, Gold, NSC, KVP, etc.

Simple Documentation

Easy and transparent process with minimum paperwork.

Attractive Interest Rates

Affordable and customer-friendly rate structure.

Flexible Loan Limits

Loan amount based on realizable value of pledged security.

Trusted Banking Support

Personalized guidance throughout the loan process.

Loan Details

Loan Type Eligibility / Limit Interest Rate Repayment Period
Loan / Limit against NSC / KVP 75% of Face Value 9.00% Till Maturity
Loan / Limit against LIC of India 75% of Surrender Value 9.00% Till Maturity
Loan against AGBY Account 80% of Outstanding Balance 9.00% Till Maturity
Loan / Limit against FDR 90% of Face Value 1.00% Above FDR Rate Till Maturity
Loan Against Gold 65% of Pure Value Obtained
Max. Up to ₹1 Lakh 		10.00% One Year

General Conditions

  • Bank bylaws authorize the CEO to sanction loans against tangible securities up to ₹15 Lakhs.
  • All pledged or mortgaged securities shall remain property of the Bank until full repayment of the loan.
  • If loan / limit is not repaid within stipulated time, the pledged security may be sold or encashed by the Bank to adjust the loan account.
  • Loan sanction and disbursement shall be subject to Bank verification, documentation, and applicable norms.
  • Interest rates and terms may change as per Bank policy from time to time.

Documents Required

Identity Proof

Aadhaar Card, PAN Card, Voter ID, Passport, etc.

Address Proof

Aadhaar Card, Utility Bill, Passport, etc.

Security Documents

Original NSC, KVP, LIC Policy, FDR Receipt, Gold Details, etc.

Bank Account Details

Passbook, Statement, and related banking documents.

Important Information

Loan / Limit Against Tangible Security shall be sanctioned subject to eligibility, realizable value of pledged security, documentation compliance, and applicable rules of The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.