KERALA TRANSPORT DEVELOPMENT FINANCE CORPORATION  LTD

A Government of Kerala Undertaking

( A Non Banking Financial Company Registered Under the Reserve Bank of India )

SCHEMES

 

  

NEW PERSONAL & TWO WHEELER LOAN SCHEMES FOR GOVERNMENT EMPLOYEES


   

Personal Loan Scheme

 

  ◊  
Loan period  - minimum of 24 months and maximum of 48 months
  ◊

Interest rate – 13.00% fixed and diminishing for loans up to Rs.1 lakh and 13.50% fixed and 

diminishing for Rs. 1,00,001 to Rs. 3 lakhs.

  ◊

0.25% interest rebate for prompt repayers

  ◊

No pre-closure penalties

  ◊

Bulk payment option with interest waiver  facility

  ◊

Loan is given to employees of State/ Central Government, Quasi Government, Public Sector Undertakings,

Local Bodies, Autonomous Bodies, Public Sector Banks etc.


 

                                                                                                Download Forms

    

Two Wheeler Loan Scheme  


 

  ◊  
Loan up to 95% of the invoice amount, including road tax and insurance amount
  ◊

Maximum loan payable- Rs. 1 lakh

  ◊

Loan period - minimum of 24 months and maximum of 60 months

  ◊

Interest rate – 12.50% fixed and diminishing

  ◊

0.25% interest rebate for prompt repayers

  ◊

Insurance cover at low premium under the agreement KTDFC has with Oriental Insurance Company Ltd./

National Insurance Company Ltd./ State Insurance Department

  ◊ No pre-closure penalties
  ◊ Bulk payment option with interest waiver facility
  ◊

Loan is given to employees of State/ Central Government, Quasi Government, Public Sector Undertakings,

Local Bodies, Autonomous Bodies, Public Sector Banks etc.

     


                                                                                                                               Download Forms

 

 

 

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A.  Loan Schemes having Fixed Rates of Interest

 

 

Loan Schemes for Government Employees

 

 

Category

Amount

Rate of Interest

Max. Period

Personal Loan

Upto Rs.1 lakh

13.00 %

48 months

Rs.1 lakh to Rs. 3 lakhs

13.50 %

48 months

 

Vehicle Loan

Two Wheeler

12.50 %

60 months

Four Wheeler

12.40 %

84 months

 

 

Vehicle Loan Schemes for Others

 

 

Category

Rate of Interest

Max. Period

Three Wheeler

12.50 %

60 months

Four Wheeler

12.50 %

60 months

Used Vehicle

13.00 %

60 months

Institutional Loan

13.00 %

60 months

MLA Car Loan

12.40 %

60 months

 

 

B.  Loan Schemes having Floating Rates of Interest

 

 

Scheme  Period  Rate of Interest

 Personal House Loan Scheme


[ Aiswarya Griha Housing Finance ]

Upto 5 years 12.35 %
Upto 10 years 12.40 %
Upto 15 years 12.50 %
Upto 20 years 12.75 %
 Personal Loan Scheme for Professionals Upto 5 years  12.40 %
Upto 10 years 12.50 %
Upto 15 years 12.75 %