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About Us
Board of Management
Board of Director
Financial Highlights
Personal Banking
Accounts
Janata Basic Account
Kids Savings Account
Normal Savings Account
Deposit
Term Deposit
Recurring Deposit
Loans
Education Loan.
Gold Loan/Overdraft
Housing
Housing Loan
Housing Top-Up Loan Scheme
Niwara Loans above Rs.70Lakh (Non-Priority)
Niwara Loans up to Rs.70Lakh (Non-Priority)
Personal
Group Loan
Janata Samruddhi
Janata Utsav Personal Loan
Secured Personal Loan
Unsecured Personal Loan
Loan/OD against Documents
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Travel Loan
Vehicle Loan
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Accounts
Current Account
Loans
Business Loan
Business Loan (Pharma/Med)
Business Loans to Jewellers
Janata Vyapar Yojana
CC/WCTL (Other Business)
CRE/Builders & Developers
Janata Industrial Loan CC/WCTL (MSME)
Lease Rent Discounting (LRD)
Loans To Professionals
New Loan Scheme for Educational Institutes
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/
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Loans
/
Term loan (Industrial/Commercial premises)
Term Loan for Purchase of Industrial Commercial Premises
Invest in Growth: Secure Your Industrial Premises Today.!
Features
Purpose
Security
Eligibility
Interest Rate
Features
Facility:
Term Loan/CC WCTL (Working Capital Term Loan).
Credit Rating Concession for Rated Borrowers.
Repayment:
Working Capital Term Loan
– 120 Months.
Processing Charges:
Only 0.25% of loan amount (Max.Rs.1.00 Lakh)
Max. Loan amt:
Rs.500.00 Lakh.
Pre-Payment Charges
: 2% of Outstanding loan amount at the time of closure (If taken over).
Purpose
Property Acquisition
: Finance the purchase of buildings or land to establish a permanent operational base for your business.
Expansion Needs
: Acquire additional space to accommodate growth, new equipment, or increased production capacity.
Location Enhancement
: Secure a strategic location that enhances visibility and accessibility for customers and suppliers.
Security
Mortgage of the Industrial/Commercial Property
: The property purchased serves as the primary collateral, registered with the bank.
Additional Collateral
: In case of insufficient property value, the borrower may be asked to pledge other assets as collateral.
Eligibility
Applicant must be either salaried or self-employed.
Applicant must be above 21 years old while applying for the loan.
Applicant must hold a good credit score.
2 Guarantors (1 must be salaried person employed with reputed organization).
Interest Rate
Card Rate –
9.50
% P.A
.
(Floating)
Credit Concession Effective:
For AAA Rating
Concession in Rate of Interest:
1.25
%
Effective Rate of Interest:
08.75
%
For AA Rating
Concession in Rate of Interest:
1.00
%
Effective Rate of Interest:
09.00
%
For A Rating
Concession in Rate of Interest:
0.50
%
Effective Rate of Interest:
09.50
%
For Below A Rating
Effective Rate of Interest:
10.00
%
For Non-Rated Borrowers:
09.50
%. (* Loans up to Rs.25.00 Lakh).
Important Links
Documentation Required
Loan Application Form
EMI Calculator
Service Charges
Apply Now