Why Get a Home Loan from Dakshin Bihar Gramin Bank?
Local Focus: Dakshin Bihar Gramin Bank understands Bihar's rural
and town areas well, so they know your property and financial situation.
Reasonable Interest Rates: Offering some of the best home loan
rates for different types of customers, making repayment easier.
Easy Payback: Take up to 30 years to repay, choosing a plan that
suits your income.
Minimum Paperwork: A simple and quick process helps you get
approved and receive your funds without unnecessary delays.
Personalized Support: Loan officers and customer service
representatives guide you throughout your home loan journey.
Online Application: Through TyTil , you can
apply online, track your application, and get expert advice.
Regional Reach: Whether you are a first-time buyer, an
experienced homeowner, or run a small shop, we understand your local scene.
Dakshin Bihar Gramin Bank Home Loans
Need a home loan? Dakshin Bihar Gramin Bank has you covered with options for:
Purchase Loan: Buying a house or flat, whether new, old, or still
under construction.
Construction Loan: Build your home on your own land with our
construction loan.
Land Purchase Loan: Buy land to build your dream house with our
plot purchase loan.
Home Renovation Loan: Repair, upgrade, or expand your existing
home.
Balance Transfer Facility: Transfer your home loan from another
bank to Dakshin Bihar Gramin Bank for better rates and terms.
Top-Up Loan: Get additional funds on top of your current home
loan for home improvements or other needs.
Dakshin Bihar Gramin Bank Home Loan Interest Rates
| Loan Amount |
Interest Rate (p.a.) Women |
Interest Rate (p.a.) Others |
Loan Tenure |
Processing Fee |
| Up to ₹30 Lakh |
7.40% |
7.45% |
Up to 30 years |
As per bank guidelines |
| Above ₹30 Lakh to ₹75 Lakh |
7.50% |
7.55% |
Up to 30 years |
As per bank guidelines |
| Above ₹75 Lakh |
7.60% |
7.65% |
Up to 30 years |
As per bank guidelines |
Processing Fees and Eligibility Criteria
These follow what the bank usually charges. We keep them low, so getting a loan is
easier.
Who Can Apply -
Age: You must be between 18 and 70 years old at the time the loan
is fully repaid.
Income: You should have a steady and verifiable income, whether
you are salaried or self-employed.
Citizenship: Open to Indian citizens and NRIs/PIOs with valid
documentation.
Co-Applicants: You can apply jointly with someone, such as your
spouse or a family member, to increase your eligibility.
Amount: The loan amount depends on your income, the property's
value, and your repayment capacity.
Security: A mortgage on the property being purchased is required,
and in some cases, a guarantor may also be needed.
Required Documents for Dakshin Bihar Gramin Bank Home Loan Partner
This is what you need :
Filled-out application form + recent passport photos.
Proof and ID:Any of these works, such as Aadhaar card, PAN card,
Passport, Voter ID, or Driver's License.
Address Proof: A utility bill, Aadhaar, Passport, or bank
statement will do.
Proof of Income :
If You Are Employed: Provide your last 3–6 months of pay slips,
Form 16, and 6 months of bank statements.
If You Are Self-Employed: Submit income tax returns for the past
3 years, audited financial statements, and proof of your business.
Property Info: Include the sale deed, title deed, approved
construction plan, valuation certificate, and your latest property tax receipt.
Proof of Application Fee Payment: Provide evidence that you have
paid the required application fee as per the bank’s instructions.
Guarantor Documents: If someone is backing your loan, submit
their documents as well.