Home Loan

To purchase a flat in an existing or proposed Co-operative Society or Apartment Owners' Association, purchase of flat from builder/vendor/developer, construction of house on own land, purchase of house/flat from CIDCO/MHADA, construction on society/allotted land, purchase of resale flat, group purchase under package deal, and repayment of housing loan taken from banks, HDFC, LIC, NBFCs or private parties for purchase or construction of house/flat/bungalow.

Interest RateAs per CIBIL Score (9.50% p.a. to 10.50% p.a.)

Maximum Amount₹140 Lakhs

Maximum Tenure240 Months

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Key Highlights

Loan up to ₹140 Lakhs

Repayment tenure up to 20 years

Eligible for purchase, construction, resale and takeover

Moratorium available during construction period

Eligibility Criteria

Individuals, individual co-owners, or joint owners.

Regular membership of the bank with share linking @ 2.5% of the loan amount sanctioned.

Borrower's monthly net salary or business income should be sufficient to service EMI.

Businessmen and professionals must have filed IT Returns for the last 3 consecutive years.

Income of co-applicant and family members having permanent income may be considered.

Remaining service period of employed borrower should not be less than the loan repayment period.

Documents Required

KYC documents of applicant, co-applicant and sureties.

Income proof of applicant and sureties.

IT Returns for last 3 years with financial statements (for businessmen/professionals).

Last 6 months bank account statement of the applicant.

Residential proof (Aadhaar Card compulsory along with supporting documents).

Property documents as per bank checklist.

Legal Opinion and Title Search Report.

Approved building plan and construction permissions where applicable.

Security & Fees

Collateral / Security

Equitable Mortgage by deposit of title deeds or Registered Mortgage Deed along with original title documents of the property.

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Processing Fee

As per prescribed Bank's Service Charges.

Check fees and charges

Visit the branch or call us for more details.