Flexible Loans for Every Need.

Serving families, farmers and businesses across Malappuram since 1952 — a cooperative institution built by the community, for the community.

Personal Loan — At a Glance

Interest Rate

per annum

0 .5%

Max Tenure

flexible

Up to 0 years

Loan Amount

up to

₹ 0 Lakh

Processing

of loan amount

0. 0 %

Loan Amount

Years of Service

0 +

Active Members

0 K+

Loans Disbursed

₹ 0 Cr

Avg. Disbursement

0 hrs

What We Offer

Credit for Every Chapter of Your Life

Products designed around people — not just numbers. Each loan is structured with a community-first approach.

From

per annum

0 .5%

Life’s moments, fully funded.

Personal Loans

Education, medical, wedding, or renovation — get up to ₹10 lakh with minimal paperwork and same-week disbursement.

From

per annum

0 .0%

Capital that moves as fast as you do.

Business & Self-Employment

Shop expansion, working capital, or professional tools — MSCB backs local enterprise with competitive rates and community expertise.

From

per annum

0 .0%

Grow more with the right credit.

Agriculture Loans

Aligned to crop cycles, seasonal repayment windows, and farm income — financing that understands how rural Kerala works.

More Schemes:

Non-Agri Short Term

Non-Agri Medium Term

Schematic Loans

Pledge Loans

Jewel Loans

Housing Loans

Vehicle Loans

EMI Calculator

Estimate your monthly commitment before you walk in.

Adjust Your Parameters

Loan Amount

₹

Min: ₹10,000 Max: ₹5,00,00,000

Annual Interest Rate

Min: 5% Max: 24%

Repayment Tenure

months

Min: 6mo Max: 240mo

Your Monthly EMI

₹16,251

per month for 36 months

Principal Interest

Principal (85%) Interest (15%)

Principal

₹5,00,000

Total Interest

₹85,044

Total Payable

₹5,85,044

Effective Rate

10.5% p.a.

Apply for This Loan

Need Funds? Your Gold Can Help.

Safe custody, transparent per-gram valuation, and Kerala’s most competitive gold loan rates — all from a bank that’s been your neighbour for over seven decades.

Interest from

0 %

Disbursement

0 K+

LTV ratio

0 %

Max loan

0 K+

Instant Gold Loan

Funds in 30 minutes. Minimal paperwork for urgent personal needs.

Emergency Gold Loan

Medical & family emergencies handled with priority processing.

Star Gold Loan

Higher LTV for premium members with excellent credit history.

Special Gold Loan

Larger amounts, extended tenure for significant financial needs.

Agricultural Gold Loan

Seasonal flexibility aligned with harvest cycles and farm income.

Kisan Gold Loan

Exclusive for farmers — lower interest, tailored repayment windows.

Group Deposit & Credit Scheme

Members maintaining a group deposit account can avail credit up to 75% of their deposited amount at preferential rates — fostering financial resilience through community savings.

The scheme rewards disciplined saving by linking your deposit directly to affordable credit — the more you save, the more you can access.

Deposit Amount	Loan Value (75%)
₹10,000	₹7,500
₹25,000	₹18,750
₹50,000	₹37,500
₹1,00,000	₹75,000
₹2,00,000	₹1,50,000

From Application to Approval

A streamlined process built around your time, not ours.

STEP 01

Choose Your Loan

Select the loan type that matches your need and check your eligibility online or in-branch.

STEP 02

Submit Documents

Minimal documentation with doorstep collection available for your convenience.

STEP 03

Quick Approval

Our team reviews your application and communicates a decision within 24–48 hours.

STEP 04

Receive Funds

Approved amount credited directly to your account or disbursed in cash at the branch.

We Are With You Every Step.

Makkaraparamba Service Co-operative Bank — Your Bank. Your Community. Your Growth.
Banking built around you, since 1952.