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Home Loan

  • Customized Loan Solution
  • Higher Loan Eligibility
  • Attractive Interest Rates
  • Longer tenure and lower EMI; Maximum Loan Tenure: 30 years
  • Loans under “No Income Proof” scheme available
  • Balance Transfer at attractive rate of Interest
  • Simplified documentation
  • Doorstep service
  • Quick and Transparent Processing
  • Loan sanction possible before selecting the property

KYC Docs

  • Identity Proof - Passport / PAN card / Voter’s Identity Card / Driving License / Identity card with applicant's Photograph issued by Government, Aadhar Card.

  • Address Proof - Passport / PAN card / Voter’s Card / Driving License / Latest Utility bill (electricity, telephone, postpaid mobile phone, piped gas, water bill) / Property Tax receipt / Bank or Post Office savings bank account statement / Letter of allotment of accommodation issued OR Leave and license agreements issued by Government to the employee.

  • Signature Proof - Driving licence / Passport / PAN Card / Bankers Verification / Registered Sale deed / Government Employee ID card

  • Documents required for Salaried

  • 3 Months Salary Slip for Salaried or Salary Certificate

  • Copy of last 2 years Form 16 or IT Retrurn.

  • Bank Statement for the last 6 months of the salary account.

  • Appointment /Confirmation letter if current job tenure is less than 1 yr.

  • Documents required for Self Employed

  • Partnership Deed in Case of Partnership Firm; MOA/AOA in case of Company.

  • Copy of IT Return, Computation of Income, CA certified Balance Sheet and Profit & Loss Account, all for the last 2 years.

  • Bank Statement for the last 6 months of the Business accounts

  • Office Address proof.

  • Tax audit report of individual partnership & company

  • Latest Share Holding Pattern Attested by CA/CS in Case of Company.

  • VAT/ Sales Tax Returns

  • List of directors attested by CA/CS in case of Company.

  • Sanction letter for working capital Limits & term loans with SOA.

  • Copy of Degree Certificate in case of Professional.

  • Other General Documents for Salaried and Self Employed

  • Repayment Track Record for 1 year for existing loan.

  • NOC of loan closed within 1 year.

  • Bank debits for all current loans appearing in CIBIL report but not appearing in Bank statements submitted.

  • Duly filled up and signed Application Form and MID.

  • Processing Fee cheque.

Description Individual Housing Loans
Cheque bounce charges Rs.450
Overdue Interest 3% pm on unpaid amount
Loan reschedulement charges :
a) EMI Cycle Date Change
b) Tenure/EMI Reschedulement

Rs.500 + Interest
2% of POS
NOC Issuance charges First "Nil", Duplicate Rs.500
Legal / Collection/ Repossession & Incidental charges As per Actuals
Cash Handling Charges 1% + applicable S.T for cash receipts for Rs.3 lacs and above.
SPDC retrieval Charges Rs.300/- at the time of Pre-closure/Swap/Matured/Customer Induced cancellations.
Rs.450/- up to sixty days from the day of Pre-closure/Swap/Matured/Customer Induced cancellations.
Conversion Charges 0.5% of Outstanding Principal
Non Refundable Fee Loan up to Rs 28 lacs - Rs. 3,000/- + S.T
Loan >Rs 28 lacs - Rs. 6500/- + S.T
Copies of Loan Documents/ Agreement/Retrieval of Share Certificate Rs.500/- per LAN
Charges on Part Disbursement Rs.750/-
Prepayment Statement Charges Rs.200/-
Statement of Account / Amortization Schedule Nil Charges
Prepayment Charges in case of Floating Rate 1) "Nil" for all floating rate term loans sanctioned to "individual borrowers"
2) Prepayment charges will be applicable for Loan in which company, firm, etc. is a borrower or co-borrower
Semi Fixed rate of Interest 1) "Nil" prepayment charges, if the loan has been converted in floating rate of interest at the time of pre payment / pre closure.
2) In case loan is on Fixed Rate at the time of closure, Prepayment Charges are "Nil" if Loan is pre closed through "Own Source"* of funds (It would be chargeable if closed through other than own source.)
Fixed Prepayment Charges are applicable if Housing Loan is not pre closed by "Own Source" * of funds
Loan cancellation Charges Cancellation charges of Rs 3000/- along with applicable interest amount from the date of disbursement till the date of cancellation will be charged.