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This facility is provided against member's deposit in PF account. This facility is renewable every year.

Where to apply: You can apply for Special Loan at Thamel Branch or any other branches of KSK that is convenient to you.
Repayment: The borrowers may repay the loan either lump sum or on installment basis.

Eligibility: Under this scheme, members with two year of their regular contribution to the EPF are eligible to take loan up to 80 percent of the amount accumulated in their PF account
Documents Required:

  •  The recommendation letter of the institution in the form provided by EPF
  •  Karmachari Sanchaya Kosh identity card


Online Special Loan

EPF has started its digital journey by beginning processing of Special Loan facility applications online considering the safety and service requirement of its Contributors. For details of the process involved please refer the following Process Manual.

Online Special Loan Process Manual


Online Special Loan Repayment

EPF has also provisioned for online repayment of special loan taken from it through NCHL's connectips.com with beneficial effect of immediate ledger processing that will update Contributor's statement with repaid amount and need no submission of deposit vouchers at EPF offices plus other benefits. For more details please refer the following process manual.

Connect IPS Based Loan Repayment Process Manual

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