Let your assets to take care of your financial needs
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Maximum repayment tenure up to 180 months
EMI Starting at Rs.1143/- per Lakh
Holiday/Moratorium period up to 6 months
Maximum quantum 40% of market value of property
Takeover/Balance Transfer facility with additional Loan amount
Low interest rate
No hidden charges
No prepayment penalty
Resident Indian/NRI/PIO are eligible
Regular and confirmed Employees / individuals with high net worth Professionals, self-employed and people engaged in trade, commerce and business, engaged in business / profession for a minimum period of 3 years.
Individuals in permanent service - Max. 60 years or Retirement age whichever is earlier.
For self-employed / non-salaried people, sanctioning authority may relax the age limit by 10 years i.e. upto 70 years.
Proof of identity (any one): PAN/Passport/Driver Licence/Voter ID
Proof of Address (any one): Passport/Driver Licence/Aadhar Card/ Latest Electricity Bill/Latest Telephone Bill/Latest Piped gas bill
Proof of Income (any one):
For Salaried : Income Proof, latest salary certificate. salary slip from employer showing name, designation, salary details of deductions and copies of income tax returns of last 3 years together with latest income tax assessment order and advance tax challans of current year and Income Tax Return for last 3 Years.
Employer's certificate about birth date, age, Date of joining, likely date of retirements, etc.
For Self-employed: In case of Businessman: copies of financial statement (preferably audited) & Income tax returns for last three years together with copy of latest income tax assessment order and advance tax challans of current year.
Undertaking Regarding Purpose of Loan
*Terms & Conditions apply. For further details, Please contact your Nearest Branch
Rate of Interest (ROI)
ROI is linked with CIBIL Personal Score (in case of individuals)
Starting from 11.25%
ROI is calculated on daily reducing balance
PPC For Individuals: For Loan (Repayable by instalments) - One time @1% of sanctioned loan amount Min Rs. 5,000/- and Max Rs.50,000/-
For Mortgage OD (Reducible).
(a) 0.50% of the Sanctioned limit min. Rs. 5,000/- and max Rs. 30, 000/- for 1st year at the time of original sanction.
(b) 0.25% of the Reviewed limit min. Rs. 2,500/- and max Rs. 15, 000/ for subsequent years.
Other Charges: Document stamp charges, advocate fees, architect fees, Inspection charges, CERSAI charges etc., on actual basis.
Limits upto Rs. 10.00 lakhs – Rs. 5000/- plus GST.