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Our Loans

Loans That Turn Your Aspirations Into Achievements.

Gold Loans

Gold Loans

Whenever you are in urgent need of cash, Gold Loans are a perfect choice. The Calicut Town Service Co-operative Bank offers loan against gold ornaments - a scheme designed to provide loan against pledged gold ornaments which is ideal to meet your immediate requirement of cash. The loan can be processed within a short span of time and the loan period can be for 3 months, 6 months, 1 year). There are various gold schemes for the benefit of our customers. We also offer special interest rates for certain schemes. Three Month Special Scheme Interest Rate 7.50% per Month Maximum of Rs.50 Lakhs can be availed as Gold loan. Gold Loan Interest Rate Period Rate Express Gold Loan (15 Days) 8.50% Special Gold Loan (15 Days) 11.50% High Value Gold Loan (1 Month) 11.50% GL 3 Months 11.50% GL 6 Months 11.00% GL 12 Months 11.00% KCC Gold Loan 7.00%

Agricultural Gold Loans

Agricultural Gold Loans

The Calicut Town Service Co-operative Bank has introduced agricultural Gold loans for farmers belonging to all categories. These loans too are provided at very low interest rates on pledging gold ornaments. The Bank believes that the farmers need all the financial support to achieve some kind of self-sufficiency, hence have introduced the Agricultural Gold loan. Farmers are offered these loans whenever they are in need and since the interest rates are low, they would be able to meet their requirements without much of a difficulty and will feel comfortable even while paying back.

Vehicle Loans

Vehicle Loans

Now bringing home the vehicle of your choice has never been simpler! At Calicut Town Service Co-operative Bank, we aim to make the experience quick, transparent and hassle-free. Attractive vehicle loans with low interest rates and your choice of payment structure through flexi EMIs make us the best choice for a vehicle loan.

Housing Loans

Housing Loans

Building your own house is the dream of every person. But it is getting tougher and tougher for common people to realize their dream with the rising material costs and the ever-increasing square-feet rates. It has become a huge financial burden for the low and middle-income groups, but by availing a housing loan is the answer to all these needs. The Calicut Town Service Co-operative Bank provides housing loans which would help you to build your sweet home. Loan amounts are sanctioned with special interest rates to reduce the financial load over you. Our main objective is to provide housing loans to individuals at competitive interest rates and longer terms considering their needs. Up to ₹50 lakh loan can be availed by customers.

Business Loans

Business Loans

Businessmen and industrialists need cash for running their business and also to meet their daily running costs. They always require cash for rolling purposes and the best possible way to keep the business alive is to rely on business loans. At the Calicut Town Service Co-operative Bank, we understand the needs and nature of various businesses and assist them in meeting their quick requirements by issuing business loans. It is very easy to avail our business loans which are provided at special interest rates. Very little paper work is involved and that makes the whole process of sanctioning the loan easy and quick. All you need is the help of two other guarantors and you can avail this loan at good rates. The bank provides

House Repair Loans

House Repair Loans

You can now renovate your house with House Repair Loans from The Calicut Town Service Co-operative Bank! We provide loans not just for new homes but also to help you renovate and repair an existing property. With these loans you can upgrade your existing home to a contemporary design and a more comfortable living space. These loans are passed in very short periods of time without much paperwork and you can repay your loan in easy installments. You can avail these loans for enhancing your home in many ways like tiling and flooring, internal and external plaster and painting. These loans are available for both existing and new customers with easy and hassle free documentation.

Marriage Loans

Marriage Loans

Making a wedding successful involves a lot of planning and effort! Hotel bookings, Auditorium, Jewellery shopping, wedding invitations, deciding on the caterers and much more. Now fund your dream marriage with Marriage loans from the Calicut Town Service Co-operative Bank. A marriage loan is available to people looking to meet their wedding expenses to make the wedding in the family a grand success. When planning for weddings the budget overshoots and the parents are sometimes forced to look to family and friends to tide them over. With our wedding loan, you need look no further as we extend to you the wedding loan with minimal formalities.

MSS Loans

MSS Loans

MSS scheme loans can be availed by members of the MSS scheme. Almost 70% of the Sala amount is given as advance loan. Up to 50 Lakhs can be availed. As the Prized deposit amount is to be given as instalments, no further interest is charged for the remaining period.

Overview

Banking Built on Trust,
Growing with Communities

For decades, we have empowered individuals, families, and businesses with reliable financial solutions, personalized service, & community-focused banking.

Calicut Town Service Co-operative Bank is been a trusted financial institution dedicated to empowering individuals, families, and businesses through reliable banking solutions and exceptional customer service.

Learn More About us

Our Facilities

Modern Facilities for a Seamless Banking Experience

Enjoy convenient, secure, and customer-friendly banking facilities
designed to make every transaction faster, easier, and more accessible.

Mobile App

Bank anytime, anywhere with secure, fast, and with our mobile banking services.

Payment Gateway

Experience fast, secure, and instant digital transactions with integrated UPI and QR code payments.

Locker

Secure locker facilities protection and peace of mind.

NEFT/RTGS

Transfer funds instantly and securely with reliable NEFT and RTGS services.

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Interest Rates

  • Deposit
  • Loans

Fixed Deposit

  • 15 Days - 45 Days 6.25 %
  • 46 Days - 90 Days 6.75 %
  • 91 Days - 179 Days 7 %
  • 180 Days - 364 Days 7.75 %
  • 1 Year - Below 2 Years8.00 %
  • 2 Years and above 8.10%

(0.50% higher interest is paid to senior citizens)

Gold Loans

  • Express Gold Loan (15 Days) 8.50%
  • Special Gold Loan (15 Days) 11.50%
  • High Value Gold Loan (1 Month) 11.50%
  • GL 3 Months 11.50%
  • GL 6 Months 11.00%
  • GL 12 Months 11.00%
  • KCC Gold Loan 7.00%

News & Events

Stay Informed. Stay Connected.

Deputy Mayor Dr. S. Jayashree Honours Sslc and Plus Two High Achievers – March 2026

Deputy Mayor Dr. S. Jayashree Honours Sslc and Plus Two High Achievers – March 2026
Haritha Bhavanam Project Inauguration by Kerala Bank Chairman Sri P. Mohanan Master

Haritha Bhavanam Project Inauguration by Kerala Bank Chairman Sri P. Mohanan Master
Paristhithi Prathibha Puraskaram Winner Sri Babu Parambath

Paristhithi Prathibha Puraskaram Winner Sri Babu Parambath

Enjoy trusted banking services, 365 days a year.

info@calicuttownbank.com

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