Home Loan

NoLoan TypeInterest Rate
1Home Loan12.00%

All rates are subject to revision from time to time.

  • Applicant Detail
  • Guarantor Detail
  • Conditions

  • Copy of Last Three years income tax return / Pay slip of last 3 months.
  • If Applicant is businessman in that case last three years copies of balance sheet, income tax return of the proprietor/partner,statement of capital account.
  • If property is to be purchased under housing scheme,the copies of documents,such as share certificate,allotment-letter,saledeed,revenue records of 7/12.
  • Copy of authorised building plan.

  • Photograph-One copies
  • Last tax bill
  • Last income tax return copy
  • Photo proof - Pan card / Voter card / Driving license/Aadhar card (Any one) As per KYC norms
  • Address proof - electric bill /telephone bill (any one) As per KYC norms

  • Original documents of property to be submitted to the bank. Registered mortgage of property to be done in favour of bank.Bank charge will be noted in society's record.
  • Margin - 30% for new property.(Ready possession)
  • N.A/.N.O.C and BU permission required for sanction of Housing loan.
  • Applicant will have to take insurance of the building in favour of bank.
  • Loan amount with interest will be repaid within 180 equal monthly instalments.
  • Applicant has to submit original share certificate of the Society/Association, Municipal Tax bill, Tax receipt, sales deed etc, for registered mortgage of the property.
  • Title clearance and valuation report will be done by approved lawyer and valuer of the bank. Applicant has to pay their fees.
  • Applicant has to take share @ 2.5% of the limit.
  • Processing charges - NILL.

News & Announcements
News & Announcements
  • Welcome To Nidhi Co-operative Bank.
  • For each project we establish relationships with partners who we know will help us create added value for your project.
  • IFSC CODE :- ICIC00NIDHI
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