Cooperative Bank Loan: UP mein 8 saalon mein ₹23,000 cr se zyada cooperative loans diye gaye. is baat ki ghsna khud CM YOGI JI nai di hai agar aap log bhi is loan ko lena chahte hai tou samjae pura process is lakh kai dwara Jaane kaun le sakta hai yah loan, eligibility, process aur fayde – poori jankari paayein yahaan.
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CM Yogi Ne Di Jankari: ₹23,000 Cr Cooperative Loan Disbursed in 8 Years
Uttar Pradesh ke Mukhyamantri Yogi Adityanath ne haal hi mein bataya ki pichle 8 saalon mein rajya ke cooperative banks ke zariye ₹23,000 crore se adhik ka loan disburse kiya gaya hai. Iska seedha fayda rajya ke kisano, laghu udyogon aur rural parivar ko mila hai. Yah kadam “Aatmanirbhar Bharat” ke sapne ko saakar karne mein ek mahatvapurna kadam hai.
Cooperative Bank Loan Kya Hota Hai?
Cooperative bank ek prakaar ka bank hota hai jo sadasyon dwara chalaya jaata hai. Yah bank khas kar rural aur semi-urban areas mein sasta aur asaan loan pradan karta hai. Yah loans personal, agricultural, housing aur small business ke liye diye jaate hain.
Cooperative Bank Loan Ke Liye Kaun-Kaun Apply Kar Sakta Hai?
Yeh loan mainly un logon ke liye hai jo:
- Kisan hai ya agriculture se jude hue hain
- Rural ya semi-urban area mein rehte hain
- Micro, small ya medium business chalate hain
- Self-help groups (SHGs) ke member hain
- Women entrepreneurs aur artisans
Cooperative Bank Loan Leneka Tarika (Step-by-Step Process)
- Nearest Cooperative Bank Visit Karein – Apne najdeeki district cooperative bank branch mein jaayein.
- Application Form Bharein – Loan ka purpose jaise ki krishi, ghar, business batayein.
- Documents Jama Karein – Aadhaar, PAN, income proof, land records (agar kisaan hain).
- Verification – Bank aapke documents aur eligibility verify karega.
- Loan Approval & Disbursement – Aapka loan 7-15 din mein disburse ho sakta hai.
Cooperative Bank Loan Eligibility Criteria
- Applicant UP ka niwasi hona chahiye
- Age: 18+ years
- Repayment ability honi chahiye
- Credit history satisfactory honi chahiye
- Agriculture loans ke liye land ownership hona chahiye
Cooperative Bank Loan Kya Hai Is Loan Ka Fayda?
- Kam byaaj dar (interest rate 6% se shuru)
- Jaldi loan approval
- Bina collateral ke chhote loans milte hain
- Self Help Groups aur mahilaon ke liye special provisions
FAQs – Cooperative Loan in UP
Q1: Kya mujhe bina income proof ke loan milega?
A1: Agar aap SHG ya kisan group se jude hain toh aapko chhoti amount ka loan bina income proof mil sakta hai.
Q2: Maximum loan kitna milta hai?
A2: Loan amount ₹10,000 se ₹10 lakh tak ho sakta hai, purpose aur profile ke anuroop.
Q3: Kya self-employed log bhi apply kar sakte hain?
A3: Haan, chhoti dukaandari ya home business wale log bhi apply kar sakte hain.
Q4: Kya loan ke liye guarantor chahiye hota hai?
A4: Chhoti amount ke liye nahi, lekin ₹1 lakh se upar ke loan ke liye guarantor maanga ja sakta hai.
Cooperative Bank Loan Conclusion
CM Yogi Adityanath ke is initiative se saaf hai ki UP mein cooperative banks ab gareebon, kisano, aur chhoti udyogon ke liye vikas ka madhyam ban rahe hain. Agar aap bhi UP mein rehte hain aur kisi bhi form mein loan ki avashyakta hai, toh yah ek accha vikalp ho sakta hai. Sahi jankari aur taiyari ke saath aap asaani se yah loan le sakte hain.
Disclaimer
Yah article sirf jankari ke liye hai. Aavedan se pehle aap apne najdeeki cooperative bank se puri jankari aur terms & conditions lein. Har bank ki policy alag ho sakti hai.