IMPORTANT : Citizens Rooftop Solar Dhiran @ 9.00%*.

Gujarat GST No. 24AAAAC0325K1Z9 Maharashtra GST No. 27AAAAC0325K1Z3


Housing Loan
At Citizens Co-Operative Bank Ltd, we understand that a home is not just a place to stay. It is much more than that. It is a warm little corner of the world that is yours, tailored to your tastes and needs. It is the place where you celebrate the joys, deal with the sorrows and enjoy the journey called life. Take the first step towards owning your dream home today by applying for housing finance with our bank. Whether you are a first-time homebuyer, upgrading to your dream home or planning to reduce your Housing Loan EMI by shifting, we have the perfect solution to suit your needs with minimal documentation and loan tenure up to 15 years.                                                                                                                    
Mortgage Loan
Avail Mortgage for your personal or business needs. Both residential and commercial properties can be mortgaged for availing a mortgage loan. Our Bank provides a smooth & hassle-free mortgage loan to both salaried and self-employed individuals. Our Bank's Mortgage Loan is a simple solution to your financial needs.
Citizens Laghu Udhyog Vepar Dhiran  
We are providing quick and hassle-free dhiran in form of cash credit or loan to cater your small business working capital requirement. We are providing loan up to Rs. 25.00 Lakhs to single borrower. We are providing loan up to Rs. 15.00 lakhs without IT return.        
Cash Credit / Business Overdraft
"Running a business is like sailing a ship; you can never be fully prepared. Hence, despite having strategies in place, businesses may need more funds due to multiple reasons like delays in receivables, emergencies and capital expenses. Banks offer cash credit, overdrafts and other facilities, but the challenge is understanding the features and choosing the best option.
Cash credit is a short-term finance option that businesses can avail of. Businesses hypothecate their assets like stock and inventory to avail the credit. This can be used to fund their working capital requirements.
Whereas, overdraft facility can be availed on the basis of financials and collateral security which does not require monthly stock and book debt statement."                                                                              
Gold Loan / Gold Overdraft
Gold loans have become quite popular in the recent times owing to simplified documentation, quick disbursals and all this while keeping your valuables safe. We, as Indians, have a special attachment to our gold, Think of it as making your gold ornaments work for you that would otherwise be lying in a locker. And financing a gold loan from Citizens Co-Operative Bank Ltd. is fast, easy and safe, ensuring complete peace of mind. Both gold loan term loan as well as an overdraft against gold facility can be availed with attractive interest rates on gold OD. Check out your best suited gold loan.
Education Loan
Why should money stand in the way of the future? A simple way to fund your dreams is by obtaining an education loan. An education loan can assist you in gaining admission to the university of your interest. Our education loan is here to help you finance your dreams, education, and career ambitions.                                                                                                              
Machinery Loan
It is a business loan to aid entrepreneurs, small business owners, or companies to procure machinery or equipment for various business operational purposes. With this loan, you can either purchase new machinery or upgrade your existing machinery. We offers a Machinery Loan with specifically curated loan amounts, interest rates, loan tenures for repayments, collateral facility, processing charges and other factors. With a Machinery Loan, you can increase your business's production, resulting in higher profits from the distribution and sale of products.
Hire Purchase Loan
Many are looking at having their own vehicle to reach their destination on time and with comfort. Now, the years of waiting and saving are over. Our Hire Purchase Loan will bring that dream of owning a vehicle within your reach in just a few minutes! Hire purchase is a way to finance buying a new or used vehicle. You (usually) pay a down payment and pay off the value of the car in monthly instalments, with the loan secured against the car along with collateral security.
Commercial Loan
A commercial loan is financial loan that businesses owners can avail of to address any capital needs. The sanctioned amount can be used to increase the working capital, acquire new machinery, build new infrastructure, meet operational costs and other such expenditures.        
Overdraft against Fix Deposit
You may cover your unexpected costs while still earning money on your FD by taking out an OD against it. Another intriguing feature of this credit facility is that the applicable overdraft interest rates are just 1% higher than the underlying FD interest rate.
Loan / Overdraft against NSC / KVP
This scheme helps borrowers get access to funds by pledging their securities such as National Savings Certificates (NSCs), Kisan Vikas Patra (KVP), Life Insurance Policies, etc. to the bank. While the main purpose of this loan / overdraft is to help the borrower to meet any contingencies and personal needs such as a wedding, overseas travel and so on.
Personal / Consumption Loan
Personal / Consumption loans offer opportunities to customers to purchase various belongings for personal or family usage. Materials and consumption items should include new or second-hand accessories. Further, it can help you meet your urgent needs as well achieve your dreams. Apply for our Personal / consumption Loans and fulfil all your requirements with ease. Whether you need money for a foreign trip, a sudden medical emergency or unexpected repairs for your house, our Personal / Consumption Loan is the solution! Enjoy benefits such as fast processing, minimal documentation, competitive interest rates and flexible repayment options. What’s more, you can also transfer your current high-interest personal loan to our bank and save on interest. 
Rooftop Solar Dhiran
Green energy is increasingly becoming important for combating climate change and promoting sustainability. In line with the global agenda of addressing climate change and sustainable use of natural resources, we, at Citizens Co - Operative Bank Ltd, have undertaken initiatives to promote the generation and usage of renewable energy by the communities through providing loan facility to purchase and install rooftop solar for housing as well as commercial purposes. Solar rooftop Loan can be availed lowest interest rate of 9.00%*.