Loan service

All of us have a dream to be successful in our life by doing something which is very economical & profitable for that we need proper fund from a secure place by respecting these ideas we have been providing loans to our customers for a fixed period of time at a variable or fixed rate of interest with repayment calculated at the outset on the basis of monthly installments.

We have several types of loans for you.

Business loan - 19% interest

We know that any business needs a firm financial base, whether you are starting a new business or already running. PSCCL strives to provide small to medium enterprises with a complete financial solution to maximize your business growth. We act as your partner to help support and grow your business.

Features and Benefits
  • Competitive Interest rates.
  • Flexible tenor: Maximum up to 15 years on instalment basis.
  • Counselling to help better financing by our Relationship Managers throughout the process.
  • Loan processing fee: 2% - 3% of the loan amount

Hire purchase loan- 18% interest

Our hire purchase loan with all its inclusive features is the ultimate solution for your financing needs.With simple documentation process coupled with our speed of delivery and flexibility, you can drive your vehicle today itself- be it brand new or used.

Features
  • Minimum 30% Equity contribution
  • Flexible Loan Tenure (up to Maximum Period of 5 years)
  • Maximum Loan amount to NPR 3 Million
Benefits
  • Convenient Repayment Plan(Monthly installment)
  • Lower Interest Rates
  • Quick Processing Time
  • Easy Documentation
JS Automobiles
JS Automobiles showroom

Personal loan - 19% interest

Our Personal Loan is a multi-purpose loan product that helps our valued customer to facilitate with their short term small financial needs. Personal loan is provided to suffice your personal financing requirements, be it a need of financing purchase of consumer durables, electronic household equipments, purchase of professional equipment, financing a vacation or medical care.

With competitive interest rate, easy repayment options and exciting plans, we are determined to provide you a hassle free finance facility.

Features
  • Maximum Loan upto NPR 1 Million
  • Flexible Loan Tenure (up to maximum period of 2 years)
  • Hassle Free
Benefits
  • Convenient repayment plan
  • Lower interest rates
  • Quick Processing Time
  • Easy documentation

No loan is free. The costs are in your loan somewhere, maybe rolled into the amount to be refinanced or even coming at a higher interest rate.

Barbara Corcoran

Short term loan - 16% - 19% interest

Our short term Loan is a multi-purpose loan product that helps our valued customer to facilitate with their short term small financial needs. It is provided to suffice your financing requirements, be it a need of financing purchase of consumer durables, electronic household equipments, purchase of professional equipment, financing a vacation or medical care.

With competitive interest rate, easy repayment options and exciting plans, we are determined to provide you a hassle free finance facility.

Features
  • Maximum Loan upto NPR 1 Million
  • Flexible Loan Tenure (up to maximum period of 6 months)
  • Hassle Free
Benefits
  • Convenient repayment plan
  • Lower interest rates
  • Quick Processing Time
  • Easy documentation

Loan against saving deposit - +2 interest

Loan against Periodic Deposit is a loan facility provided against the pledge of Fixed Deposit Receipt. This product provides you the flexibility of availing loan on your Deposit.

The loan facility is granted against creation of lien on and pledge of periodic deposit receipt issued by us.

Features
  • Competitive Interest rates
  • Loan against Fixed Deposit of own cooperative: Plus 2.0% p.a.
  • Flexible tenure: Any period within the maturity period of the FD.
  • Financing up to 90 % of the fixed deposit.

Term loan - 19% interest

Our term Loan is a multi-purpose loan product that helps our valued customer to facilitate with their short term small financial needs. It is provided to suffice your financing requirements, be it a need of financing purchase of consumer durables, electronic household equipments, purchase of professional equipment, financing a vacation or medical care.

With competitive interest rate, easy repayment options and exciting plans, we are determined to provide you a hassle free finance facility.

Features
  • Maximum Loan upto NPR 3 Million
  • Flexible Loan Tenure (up to maximum period of 5 years)
  • Hassle Free
Benefits
  • Convenient repayment plan
  • Lower interest rates
  • Quick Processing Time
  • Easy documentation