Secured Overdrafts

Expand your business reach by utilizing this running overdraft facility to meet the working capital requirements of your business for day-to-day business operations against the stocks / immovable properties that are viable to be considered as security according to the Bank's guidelines. This facility is provided to trading firms, manufacturing units, processing units, transport operators, hospitals, hotels, restaurants, small and medium business entities, wholesalers / small retailers, etc. Benefits include quick processing, personalized service and convenient documentation.


Limit Eligibility



Special offers on your debit card.

Adarsh Bank

Steered by the motto of Safety, Profitability and Liquidity, we at Adarsh Cooperative Urban Bank are into our 21st year of operation and have emerged as the one of the foremost and fast growing Banks in the cooperative banking sector of Andhra Pradesh, commanding a good standing and reputation among customers and banking community.

  • Margin
  • 25% of paid up stocks, book debts, consumables and other current and liquid assets.
  • Period Of Limit
  • One Year

Gold Loans

Lower ROI of 11%

Higher Interest Rates

Higher Interest rates on Fixed Deposit.

Platinum Cards

Platinum cards at nominal charges.