The Manipur Women's Co-operative Bank Ltd.

1. MWCB All Agriculture & Allied Activities Loan Scheme:

2. MWCB Gold Loan Scheme:

Purpose : To meet urgent financial needs for Business and Personal purposes.
Eligibility : A member of the Bank.
Age : All individuals of age 18 years and upto the age of 70 years (at the time of loan sanction).
Loan Amount : Minimum - 0.2 lakh ; Maximum - 4.0 Lakhs.
Loan Limit : Maximum 18,000/- per san (2.91 gram) in case of 1^st class gold (23/24 carat) and 16,000/- per san (2.91 gram) in the case of 2^nd class gold (22 carat) with a maximum limit of 4.0 lacs w.e.f 26.05.2025.
Repayment Mode : Bullet Repayment of 12 months.
Rate of Interest :11% p.a. (0.25% concession for Female Borrower).
Processing Fee : 0.5% of the loan amount + GST.
Share of the bank : 1.5% of loan amount.

3. MWCB Two-Wheeler Loan Scheme:

Purpose : Purchase of new two wheeler.
Eligibility : A member of the Bank - (a) Permanent salaried employees of Central/State Government, PSUs, Corporations, Reputed Establishment, Educational Institutions, Pensioners and Listed Private Sector. (b) Professionals/Self-employed & other who are Income Tax assesses.
Age : All individuals of age 21 years and upto the age of 55 years (at the time of loan sanction).
Income : Net monthly Income (NMI) greater than or equal to 15,000/- ; Net Annual Income (NAI) greater than or equal to 1.80 Lakhs /-
Loan Amount : Minimum - 50,000/- ; Maximum - 4.0 Lakhs.
EMI/NMI : Upto 50%.
LTV : 85% of on-road price.
Margin : 15% of on-road price; 10% of on-road price for Electric-Vehicle.
Term : Maximum 60 months ( 36 months for Electric-Vehicle)
Rate of Interest : 11% p.a. (Floating) (0.25% concession for Female Borrower) monthly rest.
Processing Fee : 0.5% of the loan amount + Applicable GST.
Share of the bank : 2.5% of loan amount.

4. MWCB Car Loan Scheme:

Purpose : Purchase of new Cars - Multi Utility Vehicles (MUVs) and Sports Utlity Vehicles (SUVs).
Eligibility : A member of the Bank (No. of max. applicants - 2) - (a) Regular employees of State/Central Govt., Public Sector Undertakings, Reputed Establishments, Educational Institutions and Pensioners (b) Professionals, Businessmen & others who are Income Tax assesses.
Age : All individuals of age 21 years and upto the age of 65 years (at the time of loan sanction).
CIBIL : Min. - 700
Income : For Salareid - Net monthly Income (NMI) greater than or equal to 20,000/- ; For Self-employed, Professionals, Proprietor & Businessmen - Net Profit or Gross Taxable Income of 2.4 Lakhs/- p.a.
Loan Amount : Minimum - 1.0 Lakh ; Maximum - 20.0 Lakhs.
EMI/NMI (Net Annual Income) : Not to exceed 50%.
LTV : 85% of on-road price (Maximum upto 100% of Ex-Showroom price).
Margin : 15% of on-road price (may include Registration Fee, Insurance Premium).
Rate of Interest : 10% p.a. (Floating) (0.25% concession for Female Borrower) w.e.f 26.05.2025.
Processing Fee : 0.5% of the loan amount + GST (Max: 10,000/- + GST).
Share of the bank : 2.5% of loan amount.

5. MWCB Small Road Transport Operator (SRTO):

Purpose : For purchase of new passenger or goods vehicle.
Eligibility : A member of the Bank.
Age : All individuals of age 21 years and upto the age of 60 years (at the time of loan sanction).
Facility Available : Term Loan
CIBIL: Min. 650
Loan Amount : Minimum - 1.0 Lakh ; Maximum - 20.0 Lakhs.
Borrower's Margin/Contribution : 25% on-road price.
Repayment Period : For Commercial Vehicle - Maximum 60 months; For Electric Vehicle - Maximum 42 months.
Rate of Interest : 11% p.a. (0.25% concession for Female Borrower).
Processing/Upfront Fee : 0.5% of the loan amount + GST
Share of the Bank : 2.5% of loan amount.
Collateral Security : Upto 3.0 Lakhs (Optional), Above 3.0 Lakhs - Govt. Employee or Pensioners (upto age of 70 Yrs)

6. MWCB Housing Loan Scheme:

7. MWCB Educational Loan Scheme:

8. MWCB Loan against Securities:

9. MWCB Asset Backed Loan:

10. MWCB Cash Credit/Overdraft:

11. MWCB Loan against FD/RD:

The Manipur Women's Co-operative Bank Ltd.(Manipur Government Partnered Bank)