Maximum Limit : Rs.5 Lakhs or 50% of Valuation of the flat whichever is less

Repayment Period : Maximum 72 equated monthly instalments

Eligibility : a. 1 year operation in account
b. Minimum 5 years (Permanent) service

Repayment Capacity : 1/4th take home salary after deduction of loan instalment (All Loans)

Collateral Security : a. L.I.C
b. N.S.C
c. Kisan Vikas Patra
d. Fixed Deposit. Recurring Dep.

• Duly filled Loan form
• Account Statement / Passbook for verification
• Other Bank account statement if any
• Three Photograph of Borrower & Guarantors
• Income proof for last three years if businessman / current 3 months payslips if salary earner, form no 16 of last year
• Ration card of borrower and Guarantors
• Aadhar card of borrower and Guarantors
• Electricity Bill of borrower and Guarantors
• Maintenance receipt 
• Nominal membership – Borrower and guarantor
• NOC letter from society/ Builder/ MHADA / CIDCO
• Agreement for sale / Allotment letter/ from builder/ MHADA / CIDCO
• Creation of charge letter.
• Quotation for House/ office repairs-renovation
• CIBIL Report

• Shares of 2.5% of Loan sanction amount for Borrower & Guarantor Rs. 2000/- each
• Service Charges 1%
• Franking – Minimum Rs.500/-
• Visit Charges – Rs.375/- to 11800/-
• Mortgage draft charges Rs.3000/-
• Hypothecation Bond 0.10% of Loan amount

• No Pre-payment charges
• Daily reducing balance
• Repayment in addition to fixed instalment can be made without any charges