|Home Loan Amount||LTV ratio for Salaried applicants||LTV ratio for Non-Salaried Applicants
(Businessmen / Professionals / Self Employed)
|Up to Rs. 75 lacs||80%||75%|
|Above Rs. 75 lacs||75%||70%|
Aggregate repayment should not exceed 50% of NMI / NAI
|Loan Amount||Processing Fee|
|Up to Rs. 25 Lacs||0.25% of loan amount, minimum Rs. 1,000/-|
|Above Rs. 25 Lacs & up to Rs. 75 Lacs||Rs. 6,500/-|
|Above Rs. 75 Lacs||Rs. 10,000/-|
Please click here to view list of Bank’s approved projects
a) Home Loan Application. Please click here to download the application.
b) Two passport size photographs
c) Power of attorney (POA), if required. It can be given to close relatives namely Spouse, Father, Mother, Brother, Sister, Children, Father-in-law and Mother-in-law. Please click here to download the standard POA format and instructions to execute it.
d) Applicant’s documents as per following:
|Status||Identity Proofs||Overseas Address Proof|
Anyone of the following:
|Occupation type||Documents required|
Self-attested copy of following documents:
|Non-Salaried Applicants (Businessmen / Professionals / Self Employed)||
Self-attested copy of following documents:
e) Property related documents, as per following:
f) Documents to be submitted at the time of documentation (Post sanction) and subsequent disbursement/part disbursements (in case of home construction), as per following:
The guidelines issued by RBI relating to ‘Know Your Customer’ (KYC) norms mandate the Bank to periodically update customer record with current information relating to customer's identity and address. Accordingly, your account with us will be due for update, if it was opened more than two years ago.
You are therefore requested to kindly submit documents for re-KYC to your home branch, along with the request letter. Please click here, to download the standard request letter containing the documents and information required.
We request your co-operation in order to make your account compliant with the regulatory guidelines.
In case, you have forgotten your login password for your Internet Banking (INB) facility, it can be reset online itself, with the help of your Profile Password.
For the purpose, please click on, Forgot Login password? on Personal Banking Login page and follow instructions.
We have started emailing detailed position of NRI accounts with us as a password protected PDF attachment on the registered e mail address, beginning from March 14 quarter. In case of any issues, please contact your home branch.
Now, you can place a request for outward remittance or funds transfer (forex) favouring yourself or third party from your NRE Savings Bank account or NRE fixed deposit account or FCNR (B) account holders to any account overseas Internet Banking facility.
In order to use this facility, please follow the below mentioned procedure:
Now, you can place a request for disposing off a remittance expected into your NRE / NRO account with us. It will serve three purposes, as mentioned below:
To use this facility, please go to? Inward Remittance Disposal Request? under, NRI Services? tab of ‘e-Services’ in the menu bar of your Internet Banking account.
If you have not applied for Internet Banking (INB) earlier or does not have INB facility, you can now self-register for it online without visiting the branch.
Simply, you have to fill in your account details to create your temporary username and passwords and thereafter you can authenticate it by anyone of the following mode:
For applying, please follow the below mentioned procedure:
Now, you can activate your debit card and generate ATM PIN instantly through internet banking facility. In order to use this facility, please follow the below mentioned procedure:
Now you can add, change, cancel or inquire a nominee in your NRE / NRO savings bank or NRE / NRO / FCNR (B) deposit accounts through Internet Banking (INB) facility. In order to use this function, please follow the below mentioned procedure:
In order to change existing nominee, please cancel nominee first and then register a fresh nominee as per procedure mentioned above.
Now, you can create an Overdraft (OD) account against your existing NRE / NRO deposit through internet banking.
In order to create it, please follow the below mentioned procedure: