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Who can Borrow  Individuals (singly/Jointly) except stock/share broker/s
Purpose To offer instant solutions relating to business needs or for personal needs any other productive legitimate purpose & not for speculative activities.
  • Education,
  • Acquisition of assets
  • Undertake expansion , acquire business assets, renovation in business premises
Security Mortgage of immovable property ( excluding open Plot of Land and Agricultural Land)  
Margin As under :-

Sr. No.
Property Agreement Date / Purchased on
% of Security Margin
Upto 1 year
of  Agreement Value
Market value whichever is less.
Above 1 year
& upto 2 years
35% to 40%
Of Realizable value
Above 2 years
40% to 50%
Of Realizable Value

Loan Amount
  • Against commercial property Rs. 300.00 Lac. (situated in Mumbai , Thane & Navi Mumbai & Pune Municipal Area).
  • Against residential property Rs. 200.00 Lac (situated in Mumbai , Thane & Navi Mumbai & Pune Municipal Area).
  • Residential / commercials property situated in cities / towns other than detailed clause No. a & b above - Rs. 70.00 Lac.
Repayment Period Maximum 120 months
Processing  Charges     1.00% plus ST  (Minimum Rs.5,000/- + ST)
Documentation Charges As applicable
  1. Application form along with KYC documents &Income Proof
  2. Property to be mortgaged should be in the name of the borrower.
  3. Latest valuation report from bank’s approved valuer.

*Conditions Apply

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