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Home
About Us
Board of Management
Board of Director
Financial Highlights
Personal Banking
Accounts
Janata Basic Account
Kids Savings Account
Normal Savings Account
Deposit
Term Deposit
Recurring Deposit
Loans
Education Loan.
Gold Loan/Overdraft
Housing
Housing Loan
Housing Top-Up Loan Scheme
Niwara Loans above Rs.70Lakh (Non-Priority)
Niwara Loans up to Rs.70Lakh (Non-Priority)
Personal
Group Loan
Janata Samruddhi
Janata Utsav Personal Loan
Secured Personal Loan
Unsecured Personal Loan
Loan/OD against Documents
Loan/OD against Fixed Deposit
Loan To Agricultural & Allied activities
Mortgage Loan (LAP)
Solar Energy
Travel Loan
Vehicle Loan
Second Hand (used) Vehicle Loan
Vehicle Loan (Personal Use)
Corporate Banking
Accounts
Current Account
Loans
Business Loan
Business Loan (Pharma/Med)
Business Loans to Jewellers
Janata Vyapar Yojana
CC/WCTL (Other Business)
CRE/Builders & Developers
Janata Industrial Loan CC/WCTL (MSME)
Lease Rent Discounting (LRD)
Loans To Professionals
New Loan Scheme for Educational Institutes
Term loan (Industrial/Commercial premises)
Vehicle Loan (Commercial Use)
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Payment Solutions
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Lockers
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AGM Notice 2025
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Housing Loan
Unlock your dream home with us..!
Features
Purpose
Security
Eligibility
Interest Rate
Features
Pre-Payment Charges:Â
Nil (For Loan under floating Rate of Interest)
Repayment:
20 Years: For New.
20 Years: For Resale up to 10yrs. Old.
15 Years: For Resale above 10 and up to 15 years old.
Maximum Amount:
Metro Region (Population is 50Lakh and above)
Loan Limit: 50 LakhÂ
Max Cost of Dwelling Unit: 63 Lakh
Non-Metro RegionÂ
(Population is between 10 to 50Lakh)
Loan Limit: 45 LakhÂ
Max Cost of Dwelling Unit: 57 Lakh
Centres with Population below 10 Lakh
Loan Limit: 35 LakhÂ
Max Cost of Dwelling Unit: 44 Lakh
Purpose
 Helping customers turn their dream of owning a home into reality through affordable financing options.
 Providing funds for renovations and improvements, allowing customers to personalize their homes.
Security
Primary Security
: The property being financed (house or flat) serves as collateral for the loan.
Title of Property
: The borrower must provide clear title of ownership, free from legal disputes or encumbrances.
Guarantor/Co-Applicant
:Â In some cases, a co-applicant or guarantor may be required, especially for first-time borrowers.
Insurance Requirement
: The property must be insured against risks like fire, theft, or natural disasters, with the bank as the
beneficiary.
Eligibility
Salaried Employees
: With minimum past 1 year of continuous service.
Professional, self Employed persons, businessman etc.
:
With profit erning for at least past 2 years.
Residual Income – Rs.10,000/-. Deductions not exceeding 65%of gross earnings.
Moratorium Period 18 Months Max. for under constructionÂ
Up to 3 months for Resale Flat
No Guarantor if residual monthly income after considering EMI of proposed loan is above RS.30,000/-.
One Guarantor having monthly net income above EMI of proposed loan and net worth above proposed loan amoun
t.
Interest Rate
Floating ROI w.e.f. 01.10.2025 till 31.12.2025 shall beÂ
08.25%
 p.a.
Fixed ROI w.e.f. 01.10.2025 till 30.06.2028 shall be
 09.50
%
p.a.
* The rate shall be (Fixed for 1st Five Years, subject to review and change after every 5 years)
Important Links
Documentation Required
Loan Application Form
EMI Calculator
Service Charges
