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District Central Cooperative Banks and through its Branches: Small Road Transport Operators Loan (SRTO Loan)
The scheme aims to provide financial support to small-scale road transport operators through loans up to ₹10,00,000/- with 13% rate of interest.
- Ministry / Department
- Co-operation, Food and Consumer Protection Department
- Level
- State
- Benefit type
- other
Last verified: 18 Jun 2026
What is District Central Cooperative Banks and through its Branches: Small Road Transport Operators Loan (SRTO Loan)?
The scheme aims to provide financial support to small-scale road transport operators through loans up to ₹10,00,000/- with 13% rate of interest.
- Benefit
- • Access to Loan: Up to ₹10,00,000/-. - Interest Rate: 13% (subject to change). <br>
- Level
- State — Tamil Nadu
- Ministry / Dept.
- Co-operation, Food and Consumer Protection Department
- Benefit type
- other
- Key eligibility
- The beneficiary should be a resident of Tamil Nadu.
- Last verified
- 18 Jun 2026
Overview
The "District Central Cooperative Banks and through its Branches: Small Road Transport Operators Loan (SRTO Loan)" scheme launched by the Co-operation, Food and Consumer Protection Department, Tamil Nadu, provides loans up to ₹10,00,000/- for small road transport operations. The interest rate for this loan is 13% (subject to change).
<br>
Benefits
Access to Loan: Up to ₹10,00,000/-. - Interest Rate: 13% (subject to change).
<br>
Eligibility
- The beneficiary should be a resident of Tamil Nadu.
- The beneficiary should be a Small Road Transport Operator.
- <br>
Area: Tamil NaduBenefit: other
Documents Required
- ✓ Identity proof (Aadhaar, PAN card, etc.).
- ✓ Address proof.
- ✓ Proof of being a Small Road Transport Operator (if applicable).
- ✓ Any other documents (if required).
- ✓ <br>
How to Apply
Step 1: Offline — Step 1
The interested applicant should collect the application form from the District Central Cooperative Banks or its branches.
Step 2: Offline — Step 2
In the application form, fill in all the mandatory fields, paste the passport-sized photograph (signed across, if required), and attach copies of all the mandatory documents (self-attest, if required).
Step 3: Offline — Step 3
Submit the duly filled and signed application form along with the documents to the concerned authority..
Step 4: Offline — Step 4
Request a receipt or acknowledgment from the concerned authority to whom the application has been submitted. Ensure that the receipt contains essential details such as the date and time of submission, a unique identification number (if applicable).
FAQ
What is the objective of this scheme?
The Small Road Transport Operators (SRTO) Loan is a financial scheme designed to support small-scale road transport operators. It is sponsored by the state government and offered through District Central Cooperative Banks and their branches.
What is the maximum loan amount available under this scheme?
Under the SRTO Loan scheme, the maximum loan amount an applicant can receive is [?]10,00,000/-.
What is the interest rate for this loan?
The interest rate for the SRTO Loan is set at 13%. However, this rate is subject to change depending on government policies and market conditions.
Who is eligible to apply for this loan?
Any citizen with a valid purpose related to small road transport operations can apply for this loan.
Is there an age limit for applying for this loan?
There is no specific age limit mentioned for this scheme. Any eligible citizen can apply.
How can one apply for this loan?
Applicants need to visit the nearest District Central Cooperative Bank branch.
Is this loan applicable to all types of transport operators?
The SRTO Loan is primarily intended to support small-scale road transport operators who need financial assistance.
How long does the application and approval process take?
The time taken for processing and approval depends on the completion of document verification and internal procedures at the respective bank branch.
What should an applicant do if their loan application is rejected?
If an application is rejected, the applicant can request feedback on the reason for rejection. They can rectify any issues with documentation or eligibility and reapply if possible.
Is there a specified validity period for this loan scheme?
There is no fixed validity period mentioned for the SRTO Loan scheme. It remains in effect until further notice or updates from the bank or state government.
Sources & References
- Official scheme website ↗
- View on myScheme (Government of India) ↗
- Information is summarised from official government sources. Verify all details on the official website before applying.
Ready to apply?
Applications are accepted only on the official government portal.
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