PSRTC CCS Loan ek special loan scheme hai jo Andhra Pradesh State Road Transport Corporation (APSRTC) ke employees ke liye banayi gayi hai. Is loan scheme ka main maksad hai apne employees ko financial support provide karna various personal, educational, aur emergency needs ke liye.
Is article me aapko milega complete APSRTC CCS Loan Information, including education loan, short term loan, eligibility, interest rate aur application process ke details.
🎯 Key Highlights – APSRTC CCS Loan:
| Feature | Detail |
|---|---|
| Available For | APSRTC Employees Only |
| Loan Types | Short-Term, Education, Medical |
| Loan Amount Limit | ₹50,000 – ₹5 Lakhs (approx.) |
| Interest Rate | Nominal (CCS standard rate) |
| Repayment Duration | 12 to 60 Months |
| Application Mode | Offline/Online via CCS Portal |
📘 Types of APSRTC CCS Loans
1️⃣ APSRTC CCS Education Loan Information
APSRTC CCS Education Loan un employees ke liye hai jo apne bachchon ki higher education ke liye financial support chahte hain.
🧾 Features:
- Loan amount ₹50,000 – ₹2,00,000 tak
- Higher studies (Engineering, Medical, MBA etc.) ke liye
- Repayment period up to 5 years
- Minimal documentation
- Proof of admission & fee receipt required
🧠 Eligibility:
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- Permanent APSRTC employee
- Minimum 2 years service complete
- Good loan repayment record (if any)
2️⃣ APSRTC CCS Short Term Loan Information
Short Term Loan urgent zarurat ke liye diya jaata hai – jaise marriage, home repair, travel, etc.
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🧾 Features:
- Loan amount ₹20,000 – ₹1,00,000
- Repayment period 12–24 months
- Fast approval within 5–7 working days
- Low interest compared to personal loans
🧠 Eligibility Criteria:
- Applicant must be a permanent APSRTC employee
- Minimum 1–2 years of service
- No previous default on CCS loans
- Should be a contributing member of CCS society
📑 Required Documents:
- Filled loan application form
- ID Proof (Employee ID, Aadhaar)
- Salary slip (last 3 months)
- Bank passbook copy
- Education loan ke liye admission letter & fee receipt
- Undertaking form (for loan repayment agreement)
🌐 How to Apply for APSRTC CCS Loan?
🔹 Offline Method:
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- Visit your respective APSRTC Depot Office
- Collect and fill CCS Loan Application Form
- Attach required documents
- Submit to CCS Loan Officer / Manager
- Application will be verified & approved in 5–10 days
🔹 Online Method (if applicable):
- Visit the official APSRTC CCS Portal
🔗 www.apsrtc.gov.in or internal CCS portal - Login with employee credentials
- Choose loan type (Education / Short-Term)
- Fill in required details & upload documents
- Submit the form & wait for approval status
📌 Loan Repayment Terms:
- EMI directly deducted from monthly salary
- Pre-payment allowed after minimum lock-in period
- Late payment penalty applicable as per CCS rules
- Clearance certificate required before retirement
🧭 Other Useful Keywords Covered:
- www apsrtc ccs loan information
- apsrtc education loan process
- apsrtc short term loan eligibility
- apsrtc loan online apply
- apsrtc employee loan benefit
💬 APSRTC CCS Loan Rules & Society Details
APSRTC employees ke liye loan scheme ko “CCS (Central Co-operative Society)” operate karti hai. Ye ek registered employee co-operative society hai jo apne members ko financial assistance provide karti hai. Ye society state-level par authorized hoti hai aur iske saare rules audited hote hain under Andhra Pradesh Co-operative Act.
🔹 Important CCS Loan Rules:
- Loan ka amount aapki salary aur service length par depend karta hai.
- Ek time par sirf ek active loan allowed hota hai.
- Har applicant ka surety dena mandatory hota hai (usually 2 colleagues).
- Education loan me documents verify hone ke baad hi amount release hota hai.
- Loan account close hone ke baad hi naye loan ke liye apply kar sakte ho.
🔐 Loan Security & Surety Requirement
APSRTC CCS loan lene ke liye aapko 2 APSRTC employees ki surety deni hoti hai. Inka kaam hota hai aapke repayment ke guarantee dena. Agar borrower EMI nahi bhar paya, toh sureties par recovery action liya ja sakta hai.
✅ Surety Eligibility:
- APSRTC ka permanent employee ho
- 2 saal se service me ho
- Khud kisi loan ka defaulter na ho
📊 APSRTC CCS Loan EMI Calculation Example
Aap apni salary aur loan term ke basis par EMI ka andaza laga sakte ho. Neeche kuch examples diye gaye hain:
| Loan Amount | Tenure | Interest Rate | EMI (Approx.) |
|---|---|---|---|
| ₹50,000 | 12 mo | 10% p.a | ₹4,395 |
| ₹1,00,000 | 24 mo | 10% p.a | ₹4,614 |
| ₹2,00,000 | 36 mo | 10% p.a | ₹6,450 |
📌 Benefits of APSRTC CCS Loan Scheme
- ✅ No middleman or private lender involved
- ✅ Very low interest rates (compared to personal loans)
- ✅ Quick processing time
- ✅ Salary deduction-based EMI – no hassle
- ✅ Financial help for emergencies or higher education
🤔 Common FAQs – APSRTC CCS Loan Information
❓ Q1. Kya contractual employees ko CCS loan milta hai?
👉 Nahi. Sirf permanent APSRTC employees hi eligible hote hain.
❓ Q2. Kya online apply kar sakte hain?
👉 Kai depots me internal CCS portal se online apply ki facility hai, lekin mostly process offline hota hai.
❓ Q3. Maximum kitna loan mil sakta hai?
👉 Ye aapki salary aur past repayment record par depend karta hai. Generally ₹2–5 lakh tak ka loan mil sakta hai.
❓ Q4. Education loan ke liye kya documents chahiye?
👉 Admission proof, course duration document, fee structure, aur ID proof.
📢 Latest Update (2025):
APSRTC CCS Society ne apne loan interest rates aur processing system me kuch digital improvements kiye hain. Ab kai depots me biometric approval aur internal portal-based application system shuru ho gaya hai.
📌 Final Tips:
- Loan apply karne se pehle apna loan eligibility check kar lena chahiye.
- EMI repayment time par karo, taki future me bhi loan lena easy ho.
- Sureties ke saath responsible behavior rakho, kyunki unki salary bhi risk me pad sakti hai.
📝 Conclusion:
APSRTC CCS Loan scheme ek trustworthy aur low-interest loan facility hai, specially designed for APSRTC employees. Chahe aapko education ke liye paisa chahiye ho ya kisi emergency me, yeh scheme reliable support deti hai.
Aapko sirf sahi documentation aur eligibility fulfill karni hoti hai. Is loan ka use karke aap apni financial problems ko easily manage kar sakte hain bina kisi private lender ke high interest loan ke. About Us
