Housing Loan
Buy a ready home, build on your own plot, or complete a half-finished house.
- Home purchase
- Plot & construction
- Repair and extension
Loan details
Eight ways we can help you move forward
All loans are issued as per prevailing Government norms, with eligibility, rate and charges confirmed in writing before disbursal.
Mortgage / Property Loan
Raise funds against immovable property you already own, without selling it.
- Loan against property
- Residential or commercial
- Longer tenures available
Gold Loan
The fastest route to cash when you hold gold ornaments — valued at the counter.
- Same-day disbursal in most cases
- Insured, sealed custody
- Interest-only servicing option
Personal Loan
An unsecured loan for education, marriage, medical treatment or any family need.
- No collateral required
- Flexible tenure
- Fixed monthly instalment
Business / MSME Loan
சிறு மற்றும் நடுத்தர தொழில் கடன் — capital for stock, equipment or expansion.
- Working capital
- Machinery & equipment
- Shop and trade finance
Vehicle Loan
Personal cars and income-generating commercial vehicles, new or pre-owned.
- New / used car loan
- Commercial vehicle loan
- Two & three wheelers
Group / SHG Loan
குழு கடன் / சுயஉதவிக் குழு கடன் — credit for women's groups and joint-liability groups.
- Self-help group loan
- Joint liability group
- Doorstep collection
Consumer Loan
நுகர்வோர் கடன் — spread the cost of appliances and household essentials.
- Appliances & electronics
- Furniture and fittings
- Short, easy tenures
Life & Medical Insurance
Protection alongside your borrowing, so one bad month does not undo years of work.
- Life cover
- Family health cover
- Cashless treatment network
Compare at a glance
Which loan fits your situation?
A quick guide to security, typical tenure and how fast each product usually moves.
| Loan | Security | Typical use | Usual tenure | Speed |
|---|---|---|---|---|
| Housing Loan | Property being financed | Buy, build or extend a home | Long | Moderate |
| Mortgage / Property | Existing immovable property | Large personal or business need | Long | Moderate |
| Gold Loan | Gold ornaments | Urgent short-term cash | Short | Fastest |
| Personal Loan | Unsecured | Education, marriage, medical | Short to medium | Fast |
| Business / MSME | Unsecured or secured | Stock, equipment, expansion | Medium | Moderate |
| Vehicle Loan | Vehicle hypothecation | Car or commercial vehicle | Medium | Moderate |
| Group / SHG Loan | Group guarantee | Livelihood and small trade | Short | Fast |
| Consumer Loan | Goods financed | Appliances and household items | Short | Fast |
Tenure and speed above are general guidance, not a commitment. Your sanction terms are decided case by case after appraisal, as per Government norms.
Documents
What to keep ready
Identity & address
- Aadhaar card
- PAN card
- Recent passport photographs
- Ration card, voter ID or utility bill
Income proof
- Salary slips or salary certificate
- Bank statement (6 to 12 months)
- Business proof or trade licence
- Income tax return, where applicable
Asset documents
- Property title deed and tax receipts
- Approved building plan, for construction
- Vehicle quotation or RC book
- Gold ornaments, for a gold loan
Not every document applies to every loan. Call us and we will confirm the exact list for your case before you travel to the branch.
Not sure which product suits you?
Tell us what the money is for and how you earn. We will point you to the option with the lowest total cost for your situation — even if it is the smaller loan.