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PROOF OF INCOME

In case of salaried persons:

    1. Salary certificate showing deductions.
    2. Authorisation to deduct monthly installments from the salary of employee for credit of the loan account wherever available.
  1. In the case of self employed / professional / business men.

Audited accounts and Balance Sheets/income tax assessment orders/Returns/Memo/Statements of computation of taxable income filed for the last 3 years.

DOCUMENTS TO BE SUBMITTED FOR CONSTRUCTION / IMPROVEMENT OF HOUSES

  1. A copy of the plan inclusive of site plan approved by the Corporation/ Municipality/Development Authority/Panchayat as required.
  2. A copy of the building permit issued by the Corporation/ Municipality / Panchayat as required. In areas where building permit is not required a No Objection Certificate from the authority concerned.
  3. Estimate approved by licenced Egineers/Architects approved by local bodies.
  4. Original and prior title deeds.
  5. Latest tax receipts.
  6. Possession Certificate
  7. Encumbrance certificate from the Sub Registrar for the last 15 years.
  8. Title clear certificate from the banks approved advocate.
  9. Valuation report from the banks approved valuator.
  10. An affidavit cum Undertaking from the person that he shall not violate the sanctioned plan.
  1. DOCUMENTS TO BE SUBMITTED FOR PURCHASE OF HOUSES/FLATS
  1. A copy of the agreement for sale.
  2. A copy of the Title deeds of the present owner.
  3. A copy of the land tax receipt.
  4. A copy of the building tax receipt.
  5. Encumbrance certificate from the Sub Registrar for the last 15 years.
  6. Title clear certificate from the banks approved advocate.
  7. Valuation report of the property and building from the banks approved valuator.

NOTE:

After the sale deed is executed, the original deed along with fresh encumbrance certificate and possession certificate should be submitted. For purchase of plot alone all the documents as above except the no. iv are to be submitted. After availment of the loan, encumbrance certificate for four months after the date of mortgage is to be produced.

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Home Decor Loan   To furnish houses/flats

Purpose  To purchase new household furniture, Refigerator, Electric fans, Air-conditioners, to put up wardrobes, storage facilities or any other household items.

    Eigibility 

    1. Individuals availing Housing Loans from the Bank

    2. Where a Housing loan was earlier obtained from us and the liability is still subsisting without overdues.

    3. When availing Housing Loans for taking over from other Banks/Financial institutions

    Amount

    15 % of Housing loan or Rs. 1.50 lacs whichever is less

    Repayment maximum 10 years in monthly installments.

    Interest rate  click here for interest rates

    Processing charges

    As applicable to Housing Loans

 

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Gyan Jyothi  Education Loan    

The scheme provides financial assistance to deserving meritorious students to pursue higher education in India and abroad

PURPOSE

To meet the tuition and other fees\Examination\Library\Laboratory fee, cost of books\purchase of Computers\equipments\instruments\uniforms and the cost of passage for studies abroad. Caution Deposit, Building Fund, Refundable deposit subject to 10% of the Tuition Fee. Any other expenses required to complete the course like study, tours, project work, thesis etc. also be financed.

ELIGIBLE COURSES

Studies in India

a. Graduation courses, BA, B.Com, B.Sc, BBA, BCA, BBM.

b. Post Graduation Courses, Masters and Ph D.

c. Professional courses like Engineering, Medical, Agriculture, Veterinary, Law, Dental, Management, Computer etc.

d Other courses leading to diploma, degree conducted by Colleges / Universities approved by UGC / Govt / AICTE / AIBMS / ICMR.

e. Courses offered by National Institutes and other reputed private institutions.

f. Courses offered in India by reputed foreign universities.

g. Computer Certificate courses of reputed institutes accredited by Department of electronics or institutes affiliated to Universities.

h ICWA, CA, CFA 

i. Courses conducted by IIM, IIT, IISC, XLRI, NIFT etc.

j. Regular Degree / Diploma courses like Aeronautical, Shipping etc approved by Director general of Civil Aviation / shipping if pursued in India. It also to be recognised by local aviation, Shipping authority ( Pilot Training Course not included).

k. Evening courses of approved institutions.

l. Vocational Training and Skill development study courses. Distant / Offsite Education Programme not eligible for loan.

Studies abroad

Graduation: For job oriented professional\technical courses offered by reputed universities.

Post graduation: MCA, MBA, MS etc.

Courses conducted by CIMA – London, CPA in USA.

ELIGIBILITY

The student should be an Indian National (NRIs not eligible)

i) have secured admission to professional\technical courses through entrance test\ merit based selection process conducted by a Govt Agency / University

ii) have secured admission to foreign university institution.

Those who have not qualified through Entrance Test / Merit based selection procedure should have secured 50 % marks for general and 45% marks for SC / ST Candidates in the qualifying subjects, in the qualifying examination to be eligible for loan

BORROWER : Student and parent/guardian/spouse/parent-in-law/grand parents  jointly.

In the case of employed students\professionals, loans can be granted in individual names, with suitable guarantee.

 LOAN Amount:

For studies in India Rs. 10 lacs

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