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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
Loan/OD against Fixed Deposit
Loan To Agricultural & Allied activities
Mortgage Loan (LAP)
Solar Energy
Travel Loan
Vehicle Loan
Second Hand (used) Vehicle Loan
Vehicle Loan (Personal Use)
Corporate Banking
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
Term loan (Industrial/Commercial premises)
Vehicle Loan (Commercial Use)
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Digital Banking
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Know More
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Contact Us
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Home
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
Loan/OD against Fixed Deposit
Loan To Agricultural & Allied activities
Mortgage Loan (LAP)
Solar Energy
Travel Loan
Vehicle Loan
Second Hand (used) Vehicle Loan
Vehicle Loan (Personal Use)
Corporate Banking
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
Term loan (Industrial/Commercial premises)
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/
Personal Banking
/
Loans
/
Mortgage Loan (LAP)
Mortgage Loan
Your Property, Your Future: Mortgages Made Easy.!
Features
Purpose
Security
Eligibility
Interest Rate
Features
Facility:
Credit Rating concession for Rated Borrowers.
Re-payment term:
Up to 10 years.
Pre-Payment Charges:
2% of outstanding loan amount at the time of closure (If taken over).
Lowest in the industry
Purpose
To meet Personal / Family expenses in case of any exigencies.
To meet Business need
Any legitimate purpose acceptable to the Bank.
Security
Clear loan agreements and documentation help you to understand the terms, conditions, and obligations associated with the loan.
Eligibility
Collateral Property
: You must have the collateral property in India.
Steady Income
: You need a steady income from a job or business.
Property Documents
: You must secure the complete and legal documents.
Other Factors
: Lenders also consider credit score, property value, occupation and repayment.
Interest Rate
Personal Mortgage Term Loan and OD
(Drop line)
: 10.00%
P.A.
Mortgage Term Loan and OD for Business/Commercial Purpose
:
10.00%
P.A. (Floating)
Credit rating Concession for rated borrows:
For AAA Rating
1.25
%
Concession
with 08.75% P.A. Effective Rate of Interest.
For AA Rating
1.00
%
Concession
with 09.00% P.A. Effective Rate of Interest.
For A Rating
0.50
%
Concession
with 09.50% P.A. Effective Rate of Interest.
Below A :
10.00
% P.A.
Non-Rated:
09.50
%P.A. (Loans up to Rs.25 Lakh).
Important Links
Documentation Required
Loan Application Form
EMI Calculator
Service Charges
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