All Loan Products
Product Catalogue
| Loan | Rate | Max amount | Tenure | Security |
|---|---|---|---|---|
| Home loan | 8.40% | ₹ 5 Cr | 30 yrs | Property |
| Mortgage (LAP) | 9.25% | ₹ 2 Cr | 15 yrs | Property |
| Car loan | 9.20% | 90% of on-road | 7 yrs | Vehicle (hypothecation) |
| Two-wheeler | 10.50% | ₹ 3 L | 4 yrs | Vehicle |
| Gold loan | 9.00% | 75% of gold value | 12 months | Gold ornaments |
| Personal loan | 12.50% | ₹ 10 L | 5 yrs | Unsecured |
| Education loan | 9.50% | ₹ 40 L | 15 yrs | Co-applicant |
| Business / MSME | 11.00% | ₹ 1 Cr | 7 yrs | Collateral |
| Agri / Kisan | 7.00% | ₹ 5 L | 5 yrs | Land records |
| Loan against FD | FD rate + 2% | 90% of FD | Up to FD tenure | Lien on FD |
Common lifecycle
CustomerTellerLoan OfficerBranch MgrAdminSystemNPCIBank CoreAppraiser
CustomerApplies online
➜
Loan OfficerKYC · income · credit check
➜
AppraiserGold / vehicle / property valuation
➜
Branch MgrSanction in limit
➜
AdminHigh-value sanction
➜
Bank CoreDisburse + EMI schedule
Gold Loan
Instant value check · 75% LTV · bullet or EMI repayment
Gold loan calculator & apply
Process
CustomerVisits branch with gold + KYC
➜
AppraiserWeighs & tests purity
➜
Loan OfficerSanction & pledge
➜
Bank CoreDisburse · gold to vault
DocumentsKYC · photo · gold declaration
ReleaseOn full repayment
Vehicle Loan
Car · Two-wheeler · Commercial · Tractor
Vehicle loan calculator & apply
Process & documents
CustomerQuotation + KYC
➜
Loan OfficerIncome & credit check
➜
Branch MgrSanction
➜
Bank CorePay dealer · RC hypothecation
DocumentsQuotation · KYC · income proof · insurance
SecurityBank lien on RC
Home & Mortgage Loans
Apply
Process
CustomerProperty docs
➜
AppraiserValuation + legal
➜
Branch MgrSanction
➜
Bank CoreMortgage + staged disbursal
DocumentsSale deed · title · 7/12 extract · income proof
SecurityRegistered mortgage
Personal · Education · Business · Agriculture · Against FD
Apply
Key documents
PersonalSalary slips · bank statement
EducationAdmission letter · fee structure · co-applicant
BusinessGST · ITR · project report
Agri7/12 extract · crop plan
Against FDFD receipt (lien marked)
Track My Loans
Live status from Loan Officer and Admin