মালদা জেলা কেন্দ্রীয় সমবায় ব্যাঙ্ক লিঃ
The object of the policy is to provide low cost fund to the Individual (Salaried) for purchase of Land for residential purpose in Malda.
Teaching and Non -Teaching staff - A permanent salaried employee of any Govt. Sponsored Secondary / Primary School or Sr./Jr. Madrasah / College whose salary is disbursed in our bank account through salary disbursement arrangement under e-PRADAN system.
Employees of other Govt. / Semi Govt. / Statutory Bodies- If there is any specific arrangement with concern department following the West Bengal Govt. E-Payment of Salary Scheme (ePS) (Finance Department Audit Branch Notification No 6621 (F)Y Dated : 29th June, 2011) and extended to a permanent salaried Central Govt. employee drawing salary from our Bank.
Confirmed Employee of Malda District Central Co-operative Bank.
i) Teaching and Non -Teaching staff - Total deduction per month inclusive of the instalment is restricted to 60% (Inclusive ECCS loan) of gross pay. Whereas, in deserving cases, where Gross Salary is `40,000/- or more, such deduction may be relaxed up to 70% (Including ECCS Loan).
ii) Employees of Govt. / Semi Govt. / Statutory Bodies - Total deduction per month inclusive of the instalment is restricted to 60%.
iii) Confirmed Employee of Malda District Central Co-operative Bank- Total deduction per month inclusive of the instalment is restricted to 70% (Inclusive ECCS loan) of Gross Pay.
Repayment period of salary account holder restrict to 6 months prior to their retirement. Loan amount=2000000/-(20 Lakhs),Minimum Repayment Period-1 Year & Maximum Repayment period-10 Years.
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