Adarsh Co-Operative Bank

Faq About Bank
Faq About Loan & Advance
Faq About ATM

How much time it takes an advance to get sanctioned in the bank?
It depends upon the quantity of the proceed applied for since applications for the higher amount requires approval at higher levels of the bank and therefore, in such case, little more time is taken. However, the bank endeavours to set out of the advances-applications within 30 days at all levels.

How can i come near the bank for an advance?
Adarsh Co-operative Bank has one of the largest network of spread over all Rajasthan and Gujarat. All these branches are manned by highly experienced personnel ever ready to be of service to the customers. All you have to do to simply approach our any branch-manager apprise him/her of your need, and, he/she shall be too pleased to guide you how to continue promote according to your specific needs.

Can i take the home loan from Adarsh Bank?
Of course, you can take a Home Loan from Adarsh Co-Operative Bank, if you plan to construct or purchase a house/flat or extend your existing house/flat and, you are:
You are a minimum of 21 Years.
Self Employed with regular Income.
Produce all papers and documents as per requirement of the Adarsh Bank.
Paying capacity can meet your EMI.

How much Loan provide Adarsh?
Loan amount is determined on the basis of the repay capacity of the candidates. Repaying capacity takes into consideration factor such as age, income, dependents, assets, liabilities, stability of occupation and continuity of income, savings etc. The maximum loan would be given as prescribed by the RBI and board of director per unit to any individual applicant.

What is ATM Card?
ATM Card is an electronic purse, which allows the holder to withdraw cash from ATMs.

What is the Difference between ATM Card & Credit Card?
ATM cards you can use to get money from an ATM.
Debit cards allow you to make purchases at stores that deduct the money immediately from your bank account. You can also use it to get money out of the ATM.
Credit cards allow you to make purchases based on credit. You have to pay the credit card company back every month in installments.

Who are eligible to get the card?
Individual Savings and current Account holders, (apart from Minors), who are eligible for CHEQUE book facility are eligible to get the Card.

What will be the validity time of the Card?
The card will be valid for 3 years from the date of issue and it will be valid equipped the last day of the month of validity.

What is PIN?
PIN is a 4 Digits Personal Identification Number, which is issued to the customer in a CLOSED Jacket and is delivered to him separately. Customers are requested to ensure that PIN jacket is received by them INTACT and they are also requested to change his PIN immediately. Under no circumstance, PIN should be divulged to anyone including to any official from the Bank.

In future what are the facility available on Adarsh ATM?
In future, at Adarsh Bank ATM network, Customer will be able to withdraw Cash up to certain limit, he/she can get the balance enquiry, change his PIN and print a mini statement of his account.

What's the process to be follow in case of loss of ATM Card?
In case of loss of card, customer will be required to report the loss immediately over phone to the concern branch as well as head office.