Own Your Own Home

This scheme is suited to individual home loan borrowers, aiming to own a house. The
Company offers a bouquet of options to the borrower in terms of tenure, rate of interest Fixed rate option, Floating rate option, Flexi Fix rates, Step up or Step Down mode of repayment, Mortgage Loans and the borrower gets value additions like:-

1. Free insurance to borrower against accidental death,
2. Free Insurance to property against Fire, and allied Risk
3. No charges for part payment of Loan before end of tenure.
   There is no fixed number of part prepayments that could be made
   over the tenure of loan.
4. Monthly instalments are collected through post dated cheque,
   and no cheques are banked before the due date

Loans to NRIs

We have schemes specifically tailored for the needs of NRIs - children of our land who have crossed the seven seas and would someday come back to settle down . Please contact our nearest branch for details. We are also planning to introduce exciting new products in the near future.

Tailor Made Products

Flexi-fix rates:

As the name suggests you can avail of the option of having your loan requirement split up into two portions made up of one portion with a Floating rate of interest and the other with a Fixed rate of interest. The ratio of Floating to Fixed is purely dependent upon your convenience and desire, but care would be taken to round off the respective amounts to the next upper Rs.1000/-

Step up or Step down schemes

This revolutionary option gives you the privilege to plan your repayment either to pay smaller amounts (EMI) initially and proportionally larger amounts (EMI) during the later part of the tenure of the loan or vice-versa. This scheme would give benefit and ease of repayment to the career oriented individual who can plan to have initial smaller EMIs and as he/she moves up the career make larger payments or the well settled executive who has the capacity to pay more EMI presently and lesser amounts around the age of retirement.

Home Equity Loans

Mortgage Loans against Property: Now you can make use of the value of your property by taking a loan against Mortgage of your property for business purposes, or to fulfil any immediate short term requirement of finance. You have the option of going in for any of the schemes that we offer viz. Fixed, Flexible, FlexiFix or Fix Flexi Rates or Step-up or Step-down schemes for repayment.