Why Choose Jharkhand Rajya Gramin Bank for Home Loans?
Jharkhand Gramin Bank Loan gets Jharkhand because we're part of the community, not
some big city bank.
- Property loan in Jharkhand is affordable and easy, suitable for first-time buyers and
returning residents.
- Loans available for buying, building, renovating, or purchasing land.
- Backed by the government and NABARD, ensuring safety and trust.
Jharkhand Rajya Gramin Bank Home Loans Products
Jharkhand Gramin Bank loan knows finding a home is personal. Here's a look at their main home
loan options:
Home Purchase Loan: Buy a new or used property, whether in the
city or countryside.
Home Building Loan: Build your dream house on your own land with
a home construction loan.
Home Fix-Up Loan: Expand, upgrade, or repair your home with a
renovation loan from the best property loan provider in Jharkhand.
Land + Building Loan: Finance both land purchase and house
construction together with a land and building loan.
Combo Loans: Combine different loan options to meet your unique
needs with Jharkhand Rajya Gramin Bank products.
Jharkhand Rajya Gramin Bank Home Loan Interest Rates
Jharkhand Rajya Gramin Bank is known for affordable, customer-friendly interest rates. Here’s an
indicative table:
| Loan Product |
Interest Rate (p.a.) |
Processing Fee |
Max Tenure |
Funding % |
| Home/Construction Loan |
9.25% – 10.75% |
Up to 1%* of loan amount |
Up to 20 yrs |
Up to 85% |
| Home Renovation Loan |
9.50% – 10.95% |
1%* of loan amount |
7–10 yrs |
Up to 75% |
| Plot + Construction Loan |
9.40% – 11.00% |
~1% or as per scheme |
Up to 20 yrs |
Up to 80% |
*Fees may vary depending on promotional offers and customer profile. Prepayment and foreclosure
fees are generally nil for floating-rate individual lending.
Jharkhand Rajya Gramin Home Loan Eligibility Criteria
Age: 21–65 years at loan closure; minimum age 21 to apply.
Income: Employed, self-employed, business owners, or farmers with
proof of steady income are eligible.
Loan Tenure: Most home loans are available for up to 20 years.
Credit History: A good repayment record is preferred, but
applicants new to credit are also considered.
Co-applicants: Family members can join the application to
increase eligibility and loan amount.
Property: The property must have a clear title, be in an approved
area, and follow sanctioned building plans.
Required Documents for Jharkhand Rajya Gramin Bank Home Loan Partner
To get your application approved faster, make sure you have these things ready:
Application Form: Fill it 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
with updated address, or rent agreement.
Income Proof (Salaried): Salary slips from the last 3–6 months,
bank statements, Form 16, and an employer’s letter.
Income Proof (Self-employed): IT returns for the last 2–3 years,
proof of business existence, and balance sheet.
Property Documents: Sale deed, ownership history, possession
letter, title/land records, and approved building plan.
Other Documents: If required, guarantor details, property
insurance, applicable fee receipts, and co-applicant signatures.
How to Apply Jharkhand Rajya Gramin Bank Home Loan via
TyTil
Applying through TyTil makes things simple and clear for real estate loan
schemes in Jharkhand
- Sign Up: Choose “Jharkhand Rajya Gramin Bank” as the bank you want to work
with.
- Check Instant Eligibility: Provide basic details and use the Home Loan EMI
Calculator to see the best products for you.
- Upload Your Files: Safely upload your documents online—no need to visit the
bank.
- Help with Your Application: TyTil experts guide you
through the form, fix issues, and step in if you need extra help.
- Track Your Updates: Receive real-time updates on your phone or by email.