Why Choose Janata Sahakari Bank Home Loan?
Janta sahakari bank gets Jharkhand because we're part of the community, not some
big city bank.
- We keep home loans cheap and easy, so first-time buyers and old returnees can get a place.
- We got loans for buying, building, fixing, or getting land.
- Since the government and NABARD back us, you know we're safe and honest.
- Our people are local. They get you and will help you out like a good neighbor.
Janta Sahakari Bank Home Loans Products
Janta Sahakari Bank knows finding a home is personal. Here's a look at their main home loan
options:
Home Purchase Loan: Finance the purchase of a new or existing
house or apartment with a home purchase loan.
Home Purchase Loan: Buy a new or used property, whether in the
city or countryside.
Home Building Loan: Finance the construction of your own house on
your land.
Home Fix-Up Loan: Expand, upgrade, or repair your home with a
home renovation loan.
Land + Building Loan: Finance both land purchase and construction
simultaneously.
Combo Loans: Combine multiple loans to meet different home
financing needs under Jharkhand Rajya Gramin Bank products.
Janta Sahakari Bank Home Loan Interest Rates
Janta Sahakari Bank is known for affordable, customer-friendly interest rates.
| Loan Amount |
Tenure (Years)
|
Interest Rate (Women Borrowers) |
Other Borrowers |
| Up to ₹10,00,000 |
Up to 10 |
8.95% |
9.10% |
| Up to ₹10,00,000 |
Up to 5 |
9.50% |
9.50% |
| Up to ₹10,00,000 |
Up to 15 |
12.00% |
12.00% |
| ₹10,00,001 – ₹25,00,000 |
Up to 10 |
10.00% |
10.00% |
| ₹25,00,001 – ₹50,00,000 |
Up to 10 |
11.00% |
11.00% |
| Above ₹25,00,000 |
Up to 10 |
10.00% |
9.50% |
| Additional Concession |
--- |
-0.10% if CIBIL ≥ 750 |
- |
Processing fees are typically around 2.5% of the loan amount. This is transparently detailed
during the application process.
Fees may vary depending on promotional offers and customer profile. Prepayment and foreclosure
fees are generally nil for floating-rate individual lending.
Janata Sahakari Bank Home Loan Eligibility Criteria
Age: 21–65 years at loan closure; minimum age 21 to apply.
Income: Must have a stable income from employment,
self-employment, business, or farming.
Loan Tenure: Home loans typically extend up to 20 years.
Credit History: Preferred, but new borrowers or those building
credit are also considered.
Co-Applicants: Family members can join the application to improve
loan eligibility.
Property: Must have a clear title, be in an approved area, and
possess the correct building approvals.
Required Documents for Janta Sahakari Bank Home Loan Partner
To get your application approved faster, make sure you have these things ready:
Application Form: Fill out completely and include recent photos
of all applicants.
ID Proof: Aadhaar card, PAN card, passport, voter ID, or driver's
license.
Address Proof: Recent electricity or water bill, Aadhaar card
showing your address, or rent agreement.
Income Proof (Salaried): Last 3–6 months of salary slips, bank
statements, Form 16, and employer letter.
Income Proof (Self-Employed): ITRs for the last 2–3 years,
business proof, and balance sheet.
Property Documents: Sale deed, documents showing property
history, possession letter, land/title papers, and approved building plan.
Other Documents: Guarantor documents, property insurance,
processing fee cheque, and signatures of any co-applicants.
How to Apply Janta Sahakari Bank Home Loan via TyTil
Applying through TyTil makes things simple and clear:
- Sign Up: Register and select “Jharkhand Rajya Gramin Bank” as your
preferred bank.
- Check Instant Eligibility: Provide basic information, and TyTil will show
the home loan products that best fit your needs.
- Upload Your Files: Safely upload all required documents digitally, no bank
visit needed.
- Help with Your Application: TyTil experts assist with completing forms,
resolving issues, and providing additional support if needed.
- Track Your Updates: Receive real-time updates via phone or email on the
status of your loan application.