The Loan Schemes offered by the Bank are:

Short term loans are provided for Seasonal Agricultural Operation to Farmers, (cash & kind) through Service Co-operative Societies spread all over Meghalaya as per approved scales of finance, time schedule both under NCL, Cash Credit Systems & Kisan Credit Cards.

Medium & Long Term Loans are extended to the farmers through the affiliated Service Co-operative Societies direct for allied agricultural activities like land development, minor irrigation, purchase of farm machinery, poultry, goat rearing, pisciculture, dairy , horticulture, plantation & horticulture schemes.

Cash Credit accommodation are provided to Co-operative Societies for procurement, marketing of agriculture and minor produces and also for dealing in consumer goods, etc.

Salaried Persons are extended Housing Loan facilities for construction of their residential houses in District, Sub-Divisional & CD Block Head Quarters and other selected areas against adequate securities.

The Bank provides M.T. Loans to Transport Societies and educated unemployed youths for creation of self employment generation and extension of easy mobility to the people of the State.

Salaried persons are provided consumer durables loans for purchase of T.V. Set, Radio, Refrigerator, Two-Wheelers, Musical Instruments, Cooking Gas, Furniture and various other approved items.

Government appointed whole sellers are extended Cash Credit/Loan facilities for dealing in controlled commodities against adequate securities.

Term Loans are provided for encouraging young & enterprising entrepreneurs and unemployed persons for creating self-employment opportunities through Tourism Development.

The scheme is intended for regular constituents of the Bank for construction of their residential houses with financial assistance from the Bank.

The scheme is intended to help formation of homogeneous groups with 5 to 20 members in the rural areas in the cooperative sector and to extend loan assistance to them for improving their socio-economic conditions by undertaking various activities which are socially useful and economically viable.

Salaried persons are provided Personal Loans for any bonafide need of non-speculative nature in the shape of overdraft facilities against adequate securities.

Education Loans are provided to parents/deserving students for higher studies in India / abroad against adequate securities.

Credit facilities are extended to Doctors, Lawyers, Technocrats and other Professionals to set up Clinic, Consultancy Firms etc. against adequate securities.