We are your best partners and like a friend
we are a fast growing and committed to cater to the financial requirements of the rural and semi-urban population in Kerala. Since its inception in 2012,we have been relentlessly working to help people to fulfill their dreams though our diverse services.
Voted No.1 by our customers
Our services have been voted of best choice by our esteemed customers.Our services stretch in the areas of Gold Loans, Educational Loans, Personal Loans, Money Transfer and Foreign Exchange.
Provides faster and reliable services
We provides our customers most reliable services faster than any other in the industry.We are determined to place each of our customer’s needs as the priority.
Dedicated Team of Employees
We have a devoted team who is always at the service of our customers.Our team makes sure that every inquiry is answered and all sales or transaction details are communicated instantly.
Realize your Dream and be a part of something more, with us backing you with our reliable and fast services
Realizing that unexplored investments are nothing but dead investments, be is gold or property, we promote people to utilize the potential advantage of these savings at its best. Because we know that everyone is entitled to an opportunity to improve his life and has to be empowered to meet his financial challenges effectively. Through this we ensure an inclusive development of the society, where even a financially backward person can be the part of economic growth.
Education Loan
Students who are dreaming to study abroad are usually stepped back because of the huge amount of money required. Scottia Financiers lends a helping hand to these aspirants by arranging the fund they are expected to pay to complete their education in a reasonable interest rate. Loans can be easily availed on demand promissory note.
Gold Loan
Gold has got one of the largest consumer markets in the country and is a highly potent investment held by the households. Through our loan against gold scheme, we enables you to resolve your financial wants quickly to your great relief.The loan amount we provide increases based on the net weight and value of the gold.
Property Loan
With the property Loan from Scottia financiers you never feel in want for money to fulfill your dreams in life. Be it a long desired holiday trip, or a family extravaganza, or a business set up or expansion, you have the power in you to make anything happen that you dream of. Your every financial need will be met by us.
Money transfer & Foreign exchange
Scottia financiers money transfer services allow you to send and receive money anywhere around the globe in a fast and easy mode. We have successfully accomplished several transactions in these years without any flaws or lags.With our instant transfer process you can assure that the money reaches the destination in less than 10 minutes.
Terms and conditions
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- Loan Amount
- The amount is dispersed for career oriented Degree / Post Graduation / Diploma courses by reputed universities/colleges.
- Expenses covered under loan
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- Tuition fees and hostel fees
- Exam/Library and Laboratory charges
- Cost of Books and other necessary educational materials
- Caution Deposit and other Refundable Deposits
- Rest of expense essentials for Project work, study tours etc.
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- Disbursement:
- The amount will be disbursed fully or in instalments considering the requirements evaluated by Scottia financiers. Loans can be easily availed on demand promissory note. No processing fee collected for the disbursement.
- Repayment:
- Repayment will begin one year after the course completion .
More about gold loan
Our Gold loan services feature:
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- Immediate cash disbursement
- Interest only for the specific period of loan
- Easy and simple document processing
- Less complications and delaying
- Accepts only Hallmarked gold
- Secured lockers and rooms to safe keep gold
- Fast feedback on the inquiries
Note: 3% p.a. will be charged as an overdue interest after 1 year.
The loan amount we provide increases based on the net weight and value of the gold. Also there are different schemes offered for different income sections for your convenience.
Being a trusted firm, you can be fully confident that your gold is in safe hands. We try our best to avoid any difficulties in and post processing to ensure your satisfaction.
Because we know, customer comes first!
Eligibility for the Loan
If a person wants to avail the loan he should meet the following criteria:
- You should be:
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- An Employee or
- A Professional, self-employed or an income tax assesses or
- Engaged in agricultural and allied activities
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- Net Monthly Income (salaried) should more than excess of Rs.12,000/- or Net Annual Income (others) should be more than Rs.1,50,000/-.
- You should be below the age limit of 60.
Loan Amount The minimum amount a person can avail is Minimum Rs.25,000/- and the maximum amount is Rs.1 cr.
The amount is decided by the following calculation:
- 24 times the net monthly income of salaried persons (Net of all deductions including TDS) OR
- 2 times the net annual income of others (income as per latest IT return less taxes payable)
We offer you a long period of 60 months for your repayment of loan amount in installments. It is 120 months for salaried persons that comes along with check-off facility. Any surplus funds can be included into prepayment of the loan and thus can avoid penalty.
You may call us at
- Telephone: 0486-2229984,0486-2229985
- Mobile: +91-8606740000,+91-8606750000
- E-mail: enquiry@scottiabankers.com, scottiabankers@gmail.com
Money Transfer
Scottia Banker’s money transfer services allow you to send and receive money anywhere around the globe in a fast and easy mode. We have successfully accomplished several transactions in these years without any flaws or lags. With our instant transfer process you can assure that the money reaches the destination in less than 10 minutes.
Requirements
To receive money though this service you need to provide the following information to us:
- A photo ID
- Transaction code
- Name of the service
We are partner with the following service providers:
- Western Union
- Xpress Money
- Instant Cash
- Money Gram
With our wide spread tie ups and fast delivery methods you can transfer your money without any worries.
Foreign Exchange
“We facilitate your foreign exchange requirements through the pioneers in forex services, ING Vysya Bank.”
Our foreign exchange services give you the freedom to travel around the world without any tension on money exchange and related puzzlements. Network has been developed with leading money transfer agencies as UAE Exchange that offers increased rates to you. Through easy and simple procedures you can exchange money anywhere you wish instantly.
Our main service are:
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- Foreign Currency Cash and Traveller’s Cheques
- Foreign Currency Cheque Collection
- Foreign Currency Draft
- Inward and Outward Remittances
- Foreign Currency Accounts
- Hedging Products
- Expert Currency Views
- Trade Services