According to this scheme a member can avail with surety of two members can take up to 20,00,000/- for a period of 120 months. This amount can be 40 times the net salary (up to 20,00,000). Loan applicant avail with 2% of the loan amount to share amount and 80 times the net salary of the sureties (up to 40,00,000) with out seeing the share percentage. 12% interest for the loan and one member can avail one loan and be surety for 4 loan applicants.