Janata Sahakari Bank Ltd.,Pune was established on 18th October 1949 by people committed to social cause in Pune city. RBI included the bank in second schedule and from 1st September 1988. Janata Sahakari Bank Ltd., Pune is functional as Scheduled Co-Operative Bank and accepts deposits from Government and Semi-Government corporations. Similarly Government & Semi-Government corporations accept Bank’s drafts.
Purpose: To purchase medical equipments and build clinics, hospitals etc.
Eligibility : Any Individual or Partnership Firm can avail this loan. Maximum age limit for an individual is 45 years. The individual availing this personal loan should be a recognized degree holder in the field of Medicine (M.B.B.S., M.D., and MS.) The time period after becoming eligible for independent practice should be less than 3 years.
Rate of Interest: The rate of interest is as follows:
| Amount | Rate of Interest |
| Up to Rs. 5.00 Lac | 14.50 % |
| Rs. 5.01 to Rs. 15.00 lakhs | 15.00 % |
| Rs. 15.01 to Rs. 25.00 lakhs | 15.25 % |
| Rs.25.01 to Rs. 50.00 lakhs | 15.50 % |
| Rs. 50.01 and Above | 15.75 % |
Quantum of loan: Maximum of Rs. 30 lakhs for Mumbai, Pune & P.C.M.C. area & Rs. 20 lakhs for other areas.
Security & Guarantee: Only one guarantor is required. Mortgage of property is taken as security.
Repayment: Repayment period is7 years with moratorium facility.