Bank Loan

Bank Loan Available For Plot/Land Purchase.

REQUIRED DOCUMENTS ON THE DATE OF SUBMISSION OF LOAN APPLICATION

FOR SALARIED

1. Recent Certified Original Salary Slip-3months
2. Form no-16 and PF statement for assessment year.
3. 2 colour photographs each.
4. 1.5%+10.30% S.Tax processing fees cheque/ cash of your load amount.
5. Copy of photo ID Pan Card/Driving Lic/Employer Card.
6. Address Proof Electricity Bill/ Telephone Bill.
7. Copy of last 6-month bank statement update till date.
8. Employer joining Letter.
9. LIC policy Xerox.
10. Qualification certificate and leaving certificate.
11. Saving Proof like-FD,NSC,PPF etc.

SELF CONSTRUCTION

1. Sanction building plan
2. building permit/NOC for construction.
3. Sanction Layout plan.
4. NIT NOC for Mortgage.
5. Detailed estimate certified by Civil Engineer or Architect.
6. Title Search report for last 13 years from our penal advocate.
7. Sale Deed/lease deed (current+previous).
8. Akhiv Patrika.
9. N.A. Order.
10. 7/12 Extract.

*Take xerox copy of all original documents before submission & self - attestation on xerox papers.

*Loan amount is subject to verification of all documents.

*Please come personally to submit duly fill-up loan application with co-applicant.

THE REVISED ROI EFFECTIVE 6TH AUGUST 2011 ARE AS UNDER

Housing Loans

Loan up to rs 15.00 lacs 

Customer Profile	ROI(MV)deviation
Salaried	11.25%
Self Employed (Professional)	11.25%
Self Employed (Non-Professional)	11.75%
NRI Loans	10.50%

Loan Above Rs 15.00 Lacs up to Rs 30.00 Lacs

Customer Profile	ROI(MV)deviation
Salaried	11.50%
Self Employed (Professional)	11.50%
Self Employed (Non-Professional)	12.00%
NRI Loans	10.50%

Loan Above Rs 30.00 Lacs up to Rs 75.00 Lacs

Customer Profile	ROI(MV)deviation
Salaried	11.75%
Self Employed (Professional)	11.75%
Self Employed (Non-Professional)	12.25%
NRI Loans	10.75%

Loan Above Rs. 75.00 Lacs

Customer Profile	ROI(MV)deviation
Salaried	12.25%
Self Employed (Professional)	12.25%
Self Employed (Non-Professional)	12.75%
NRI Loans	11.00%

Non Housing Loans

NRPL LOAN	16.75%(MV)
LAP	16.75%(MV)

• For loans where deviation approvals sought, the ROI offering would be 0.50% bps higher than the above furnished Rates.
• Files processed under 60:40 Scheme would be attract the 14.00% M/V ROI.
• Interest rate re substitution.
• Branched are permitted to offer a rate of 13.25% M/V in case of interest rate re substitution. ZM approvals in such cases are mandatory.

• Loans to be offered Fixed Rate of Interest stands at 16.00%.
• The ROI will be increased by 50 bps w.e.f. 1st september 2011 for the cases.

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