Being a salary earners bank, it will provide loan facilities to its member. Employees of Post and Telegraph Department on surety of members and an undertaking from the employer for deduction of the installment/interest from salary/superannuation benefits and all type of money’s due to the concerned borrower including subsistence allowance and leave salary, D.C.R.G, Gratuity or G.P.F contribution ,Pension, P.L.I or any money due to them or to their heirs. The members are eligible for consumption of loan, purchase of car/scooter/computer/education loan on need based credit facility on compliance with all the formalities and fulfillment of bank's terms and conditions.

There shall be an agreement signed by two sureties of the concerned borrower that if the borrower fails to repay the said loan or any installments thereof with interest in manner agreed upon, the concerned borrower’s sureties will be demand jointly or severely to pay the deductions from pay or leave salary D.C.R.G, Gratuity or G.P.F contribution, Pension, P.L.I or any money due to the concerned borrower’s sureties.

As provided in the bank’s bye-laws members who want to renew their loans may be allowed to do so after six months of sanction of the loan.