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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
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Vehicle Loan (Commercial Use)
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Know More
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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)
Vehicle Loan (Commercial Use)
Trade
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Digital Banking
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Contactless Debit Card
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Home
/
Personal Banking
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Loans
/
Niwara Loans up to Rs.70Lakh (Non-Priority)
Niwara Loans
Unlock Your Dreams with Niwara – Your Loan, Your Future.!
Features
Purpose
Security
Eligibility
Interest Rate
Features
(For Loan up to Rs.70.00 Lakh)
Facility
: Comparatively lowest Processing charges only 1%.
Pre-Payment Charges:
Nil
Repayment:
20 Years (
If under Construction- max Moratorium up to 18 months
)
Maximum Amount:
Up to Rs.70.00 Lakh.
Purpose
Niwara loans provide customers with access to financing, making it easier to purchase their dream homes without overwhelming financial strain.
To make homeownership accessible, beneficial, and sustainable for customers.
Security
Property Collateral
: Loans are typically secured by residential or commercial property.
Insurance Requirement
: The mortgaged property must be adequately insured against risks.
Eligibility
A
stable source of income
, whether salaried or self-employed, is essential. Minimum income requirements may apply.
A
good credit score
is usually required, indicating the applicant’s creditworthiness and repayment ability.
Submission of
necessary documents
, such as ID proof, income proof, bank statements, and property documents.
In case of resale flat, if
OC
is not available
-Regd. Mortgage.
Interest Rate
For CIBIL Score above 750:
Floating Rate of Interest:
8.25
% P.A.
Fixed Rate of Interest:
9.75
% P.A.
For CIBIL Score Between 650 to 750:
Floating Rate of Interest:
8.50
% P.A.
Fixed Rate of Interest:
10.25
% P.A.
For CIBIL Score below 650:
Floating Rate of Interest:
8.75
% P.A.
Fixed Rate of Interest:
10.70
% P.A.
Important Links
Documentation Required
Loan Application Form
EMI Calculator
Service Charges
Apply Now
