SCCL offers a range of loan products designed to meet diverse financial needs from personal emergencies to entrepreneurial ventures:
1. Unsecured Loan
Amount: ₹10–₹50 lakhs
Tenure: 1 to 3 years
Purpose: Ideal for business expansion or urgent financial requirements, with no collateral required.
2. Gold Loan
Amount: ₹0–₹10 lakhs
Tenure: 1 to 1.5 years
Purpose: Quick, secured financing against gold assets with flexible repayment options.
3. Personal Loan (EMI Basis)
Amount: ₹0–₹20 lakhs
Tenure: 1 to 2 years
Purpose: Tailored for individuals seeking financial assistance for personal or family needs, repayable in convenient EMIs.
4. Microfinance Loan for Women (Group-Based)
Amount: ₹25,000 per borrower
Tenure: 52 weeks
Structure: A group loan model with 10 women per group.
Reach: Currently 82 groups active.
Empowering 820 women and counting.Operational Areas: Diamond Harbour, Amtala, Jadavpur, Garia, Tollygunge, Lake Market, Rashbehari, Chetla and other surrounding regions.This group-based model ensures community support and accountability, fostering financial discipline and collective growth.
Tranparancy in Lending Process
We believe in complete honesty and clarity in everything we do.
All loan terms and conditions are explained in group meetings and training sessions.
Borrowers sign documents that clearly state loan amounts, interest rates, payment schedules and rules.
Credit policies are explained thoroughly and most of our borrowers are fully aware of them.
Every branch displays lending rules for everyone to see.
Written documents are provided to borrowers outlining fees, interest rates, loan tenure and repayment dates.
Our goal is to ensure that every borrower understands exactly what they are signing up for without confusion and hidden terms.
