apsrtc ccs loan eligibility
apsrtc ccs loan eligibility

APSRTC CCS Loan Eligibility: A Comprehensive Guide for Employees

Are you an APSRTC employee looking for a loan with flexible terms and competitive rates? The APSRTC CCS loan scheme might be the perfect solution for you! This article dives into the eligibility criteria, key features, and application process for this employee-exclusive loan.

Who is eligible for an APSRTC CCS loan?

  • Employment Status: The scheme is open to permanent, temporary, and retired APSRTC employees.
  • Service Period: You must have completed a minimum service period of 5 years with APSRTC.
  • Membership: Being a member of the APSRTC CCS (Andhra Pradesh Road Transport Corporation Cooperative Credit Society) is mandatory.
  • Age: Applicants must be within the age limit prescribed by APSRTC. This may vary depending on your employment status and loan purpose.
  • Financial Standing: Maintaining a good credit score and demonstrating satisfactory financial health are crucial.
  • Clearance of Dues: You must have no outstanding dues towards APSRTC or the CCS.

Additional factors considered:

  • Income: Your salary and other income sources will be assessed to determine your loan eligibility and maximum loan amount.
  • Repayment Capacity: The CCS will evaluate your ability to comfortably repay the loan based on your income and existing financial commitments.
  • Loan Purpose: The specific purpose of your loan request might influence the eligibility criteria and terms.

Benefits of an APSRTC CCS loan:

  • Competitive Interest Rates: APSRTC offers competitive interest rates compared to other lenders.
  • Flexible Loan Amounts: You can borrow up to Rs. 5 lakhs depending on your eligibility.
  • Convenient Repayment: Choose a flexible repayment tenure ranging from 5 years to meet your needs.
  • Easy Application Process: You can apply for the loan online through the APSRTC CCS portal.
  • Minimal Documentation: The loan application process requires minimal documentation, making it hassle-free.

How to Apply for an APSRTC CCS Loan:

  1. Visit the APSRTC CCS Self Service Portal: https://apsrtc-ccs-ssp.smartcbs.net/
  2. Login using your staff number or mobile number.
  3. Click on “Loan Enquiry” to check your eligibility and loan limit.
  4. Download the loan application form and fill it out accurately.
  5. Attach the required documents, such as salary slips, proof of residence, and identity proof.
  6. Submit the completed application form along with documents at your designated CCS branch.

Tips for getting your APSRTC CCS loan approved:

  • Maintain a good credit score and financial discipline.
  • Ensure all documents are accurate and complete.
  • Clearly state the purpose of your loan and provide supporting documents.
  • Repay existing loans on time to demonstrate financial responsibility.


The APSRTC CCS Loan scheme offers a convenient and affordable way for employees to meet their financial needs. By understanding the eligibility criteria and application process, you can increase your chances of securing this advantageous loan. Remember to always borrow responsibly and choose a loan amount you can comfortably repay.

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