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Sunday, 24-Jun-2018  12:17:14 PM
Housing Loan
  • Purchase of Flat (New or Resale)
  • Construction of House,
  • Extension to existing Flat / House
  • Takeover of Housing Loan from other Financial Institutions, etc.
  • Maximum amount of Rs. 70.00 Lakh.
  • Any Individual (Businessman, Professional, Self- Employed, Salaried Person having Regular source of Income)
  • Property should be in the name of Applicant.
  • The Co-applicant is necessary for Housing Loans. Co-applicant will mainly be spouse or son or daughter or father or mother of the Principal Borrower and he/she may be an earning or non-earning member. In these cases the income of the Co-Applicant can be clubbed for calculation of eligible loan amount. In the absence of the above Co-applicants, Brother or Sister may be taken as Co-applicant, but their Income shall not be clubbed for calculation of eligible loan amount.
  • In case of joint Agreements in Housing Loans, the Purchasers (Owners) will be the Borrowers and hence there is no need for separate Co-Applicants.
A) Eligibility as per Agreement Value
Agreement Value Loan Eligibility

Up to Rs.28.00 Lakh

Note: Loan amount should not exceed Rs.25.00 Lakh

90% of the Agreement value

Above Rs.28.00 Lakh

Note:- Loan amount should not exceed Rs.70.00 Lakh.

80% of the Agreement value
What's Latest
arrow Per day limit of MOBILE BANKING is Rs.1,50,000/- i.e. Rs.1,00,000/- through IMPS and Rs.50,000/- through NEFT.
All the Customers may please note that minimum average balance in Savings Account with effect from 01.04.2018 shall be Rs. 500/-. Lower average balance will attract charges applicable as per rules.

arrow Customers who want to avail input credit as per GST Act Click here...

arrowMaximum cash withdrawl permissable at Host branch with cheque book only in Any Branch Banking is Rs.50000/- for self & Rs.25,000/- for third party in SB Account and Rs.100000/- for self & Rs. 50,000/- for third party in Current, FLXLN, SOD, SODGLD and SODIMP accounts .

arrow Bank has introduced yearly service charges on PLATINUM Debit Card at Rs.150/- Plus Taxes..Click Here


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arrow A SB/CD a/c is treated as DORMANT, if there are no transactions in the account for over a period of 2 years(i.e.no credit or debit induced by customer as well as 3rd party other than crediting of periodic interest or debiting of service charges.

arrow List of Unoperative SB Accounts with Zero balances,Un-operative for more than 10 years...Click HERE


arrow Just give missed call to Toll free number 18004195511 from your registered Mobile number for Balance Enquiry. To HOTLIST the ATM / RUPAY DEBIT card :- DIAL 9223110011 from your registered MOBILE NUMBER, after 2-3 rings call will be disconnected & system will HOTLIST your card with SMS confirmation.


arrow Intimation to Account holders having "0" Balance for 6 months : -Click here


arrow LIST of SB/CD accounts having "0" Balance for 6 month : -Click here

Guidelines for claim of Unclaimed Deposit & to activate Inoperative Accounts for 10 years & more.
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List of Unclaimed Deposits & Inoperative Accounts for 10 years & more.
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arrow While booking online Tickets through IRCTC website with the help of RuPay Debit Card, Use RuPay card (Powered by Kotak Bank) under option payment gateway / credit card .

arrow Charges for Transactions inclusive of Financial & Non Financials on other Banks ATM in a calendar month Rs.20 per transaction plus GST.For Savings Bank account holders Five such transactions are free in a calendar month.
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