Society Timings Monday-Friday: 9:30 AM-5:30 PM Saturday: 9:30 AM-2:30 PM Sunday: Holiday
Loan services

Designed to support timely needs, growth plans, and member aspirations.

Explore member-focused loan facilities designed to support personal, family, housing, vehicle, business, group, and secured financial needs.

Loan products

Practical loan solutions for personal, housing, business,
vehicle, group, and secured member needs

Explore official loan facilities offered for eligible members and reviewed according to society policy and applicable terms.

Personal Loan

Personal Loan

A convenient loan facility for eligible members to meet genuine personal and family financial requirements.

Personal needs Family support Eligible members
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Home Loan

Home Loan

A member-focused loan facility to support home purchase, construction, renovation, or improvement, subject to eligibility and Society policies.

Purchase support Construction or renovation Society policy based
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Vehicle Loan - 2/4 Wheeler

Vehicle Loan - 2/4 Wheeler

A convenient financing facility for eligible members to purchase a new or used two-wheeler or four-wheeler, subject to Society policies and eligibility.

New or used vehicle Two/Four wheeler Eligibility based
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Loan Against Policy

Loan Against Policy

A convenient loan facility for eligible members against the surrender value of an eligible LIC policy, subject to Society policy and applicable terms.

Against LIC policy Surrender value based Applicable terms
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Gold Loan

Gold Loan

A convenient loan facility for eligible members against eligible gold ornaments, designed to meet short-term and personal financial requirements.

Against gold ornaments Short-term needs Eligible members
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Business Loan

Business Loan

A financial support facility for eligible members to meet business needs, expand operations, manage working capital, or invest in business growth.

Working capital Business expansion Growth support
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SHG and JLG Loan

SHG & JLG Loan

A group-based loan facility designed to support eligible Self-Help Groups and Joint Liability Groups with financial assistance for permitted income-generating and small business activities.

Group-based support Income-generating use SHG & JLG eligible
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Handicraft Industry Loan

Handicraft Industry Loan

A dedicated financial facility for eligible members engaged in handicrafts, traditional crafts, cottage industries, and artisan-based businesses, including support for materials, tools, equipment, and expansion.

Artisan-focused support Tools & materials Lower interest rate
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How it works

A clear process members can follow with confidence

01

Enquiry

Discuss your requirement with the society team.

02

Documentation

Submit the required member and supporting documents.

03

Evaluation

The application is reviewed as per eligibility and internal policy.

04

Approval

Eligible applications proceed according to society policy.

Member Note

We warmly welcome you to the Universal Souharda family.

Join as a member and explore trusted financial services built around cooperative values, member care, and shared growth.