OM NAVA UDYA SAVING & CREDIT CO-OPERATIVE LTD. have provided various types of loans to fulfillment the all kinds of customer needs and requirement.
A.) Micro Finance
We provide two types of Micro finance.
i) Urban Micro Finance
ii)Rural Micro Finance
There are three major heading.
a) Agriculture: Meaning vegetable crops, animal farming, fertilizer & pesticide, seeds, small tools or associated farming needs, etc.
b) Industry: For example- carpentry shop, carpet weaving, homemade juice, etc.
c) Service: For example- small grocery shop, shoe shop, selling of LPG gas & drinking water etc.
The rate of interest of Micro Finance are as follows:
| 8.1 | Agriculture | 10 |
| 8.2 | Small Industries | 11 |
| 8.3 | Service | 12 |
B.) Our co-operative also provide commercial, consumer and other types of loan which are as follows.
| S.No. | Loan Heading | Interest Rate% |
| 1 | Hire Purchase | |
| 1.1.1 | Truk, Bus, Micro Bus, Jeep, Tractor, Power Teller, Dozer etc. (New Brand) | 16 |
| 1.1.2 | Truk, Bus, Micro Bus, Jeep, Tractor, Power Teller, Dozer etc. (Used) | 17 |
| 1.3 | Motorcycle, Scooter | 16 |
| 1.4 | Home Appliance (Photo copy Machine, Fax, Computer etc.) | 17 |
| 2 | Real State | |
| 2.1 | Land Purchase, Construction of House or Godwan or Mini Market for Individual or Corporate | 16 |
| 3 | Terms Loans | |
| 3.1 | Agriculture | 16 |
| 3.2 | Industrial(Fixed & Working Capital) | 16 |
| 3.3.1 | Business Loan Up to 25000 | 16 |
| 3.3.2 | Business Loan above 25000 | 16 |
| 3.4 | Education (Abroad or Inland) | 15 |
| 3.5 | Health (Nursing, Hospitals, Policlinics) | 15 |
| 3.6 | Tourism | 15 |
| 3.7 | Hydro Power | 15 |
| 3.8 | Foreign Employment | 16 |
| 3.9 | Miscellaneous (Treatment, Social Loan, Marriage Ceremony, Chuda Karma, Retail Shop or Service, Anna prashan (First Eating Rice Ceremony)) | 16 |
| 4 | Govt. Bond or Govt. Saving Certificate | 2% above |
| 5 | Bank & Finance Companys against Guarantee, Finance Company or other Companys Share Certificate. | 16 |
| 6 | Bank & Finance Companys Fixed Deposit Receipt | 2% above |
| 7 | Nava Udaya Fixed Deposit Receipt | 2% above |