This loan schemes allows the member to avail up to an amount of Rs.10,00,000/- with a surety of any one member and to a share of 2% for a period of 84 months. This can be calculated with 40 times the net monthly salary of the loan applicant (up to 10,00,000) or 80 times the net monthly salary of the surety (up to 20,00,000) with out the consideration of the share proportion. Now an interest of 10.50% is applicable for this loan. Loan can be available up to 2 Lakhs aganist loanees own salary certificate.