Friendly Home Loan Interest Rate
You’re looking at interest rates starting around 8.80%, providing genuine cost savings compared to many mainstream lenders.
Flexible Tenures for Your Comfort
Choose repayment plans that align with your lifestyle, spread the loan over several decades, or match it to your retirement timeline.
Fast & Transparent Processing
No hidden processes or fine print. The AGVB process is clear and swift from finalizing documentation to fund disbursal so you can get your keys sooner.
Prepayment Without Penalties
Want to end your loan early or reduce your EMI? No charged prepayments or penalties in most floating-rate loans mean more control for you.
Government Schemes That Boost Affordability
If you're eligible for Pradhan Mantri Awas Yojana (PMAY), combining it with your AGVB home loan can unlock subsidies and lower your net cost of borrowing.
Tools That Empower You
AGVB’s ecosystem supports tools such as the Home Loan EMI Calculator and Eligibility Calculator to help you plan finances proactively and clearly.
Encourages You to Check Credit Score
AGVB encourages applicants to Check Credit Score, knowing a healthy score can boost approval speeds and secure even better loan terms.
Rooted in Assam, Serving Local Values: Assam Gramin Vikash Bank (AGVB) is not your typical bank. It's a regional rural bank deeply embedded in Assam’s communities. With 473 branches across the state, it’s a name you can trust to understand your place and your needs.
Competitive Home Loan Interest Rate: As of July 2025, home loan interest starts at around 8.80%, which is competitive, especially when paired with the advantages of a regional cooperative banking model.
Wide Range of Loan Amounts & Flexible Tenure: Borrow up to ₹75 lakh in urban areas, ₹45 lakh in semi-urban, and ₹25 lakh in rural regions. Enjoy repayment timelines of up to 30 years or until age 70—whichever suits you best.
Low or No Charges: AGVB typically charges no processing fees for basic housing loans, and there are no penalties for prepayment or foreclosure in most cases, making your loan more affordable and flexible.
Minimal Documentation & Personalized Support: The bank guides you through every document—from ID and income proofs to property papers—in a friendly, no-surprises manner.
Supportive for Government Employees: AGVB partners with the state under the "Apon Ghar" scheme, offering concessional loans to Assam government employees, making homeownership more accessible to those who serve the state.
Age: Generally between 18–70 years at loan maturity.
Citizenship: Indian citizen or documented NRI/PIO.
Income Source: Salaried or self-employed with steady income.
Employment Tenure: At least 1 year for salaried or 3 years for self-employed.
Co-borrower Age: Co-applicant should be a minimum of 18 years old.
Need a more accurate EMI estimate?