Uttar Bihar Gramin Bank Home Loan Interest Rates 2025
| Product/Scheme |
Interest Rate (p.a.) |
Max Tenure |
Loan Amount |
Processing Fee |
| Standard Home Loan |
8.10% – 8.85% |
Up to 30 yrs |
Up to ₹10 lakh (purchase/construction) |
0.50% of loan amt (Min ₹1,500, Max ₹10,000) |
| Home Improvement/Repair |
10.00% – 11.25% |
Up to 5 yrs |
Up to ₹2 lakh |
As above |
| Plot/Combo Loans |
9.75% – 12.00% |
Up to 10 yrs |
Up to ₹5 lakh |
As above |
| Govt. Employee Special |
7.50% – 7.65% |
As per scheme |
As per policy |
As above |
Exact rates may vary by borrower profile and bank policy; always check with branch or website for
updates
Why Choose Uttar Bihar Gramin Bank for Your Home Loan?
Local Experts, National Reach: Uttar Bihar Gramin Bank knows Bihar inside
and out. They combine community-focused banking with all the services you expect from a reliable bank.
Budget-friendly Rates: They offer some of the best home loan rates,
designed to suit regular individuals and rural families.
Minimal Documentation: Their process is simple, quick, and transparent
with minimal paperwork, making it easy for everyday customers.
Flexible Solutions: Whether you're buying, repairing, expanding, or
purchasing land, they provide suitable loan options for every need.
Personalized Service: Branch staff provide the support you need, and
customer service is always ready to help whenever required.
Govt.-linked Benefits: Your loan may qualify for PMAY subsidy and other
government housing programs, adding extra value to your borrowing.
Uttar Pradesh CooperativUttar Bihar Gramin Bank Home Loan Products
Uttar Buhar Gramin Bank can help you with a bunch of property needs:
Home Loan: A loan for buying a new property or a resale house.
Construction Loan: Designed to build a home on land that you already own.
Home Improvement Loan: For repairing, expanding, or upgrading your
existing home.
Plot Loan: To purchase land for building a house, with a requirement to
construct within a set timeframe.
Top-Up/Balance Transfer: Get additional funds or transfer your loan to
avail a better interest rate and deal.
Govt. Programs: Loans that are eligible under PMAY and other government
schemes for employees.
Processing Fees
It’s 0.50% of the loan (but at least ₹1,500 and no more than ₹10,000).
Expect extra charges for legal stuff, property valuation, and stamp duty. These depend on the property
and type of loan.
Who Can Apply?
Age: If you are employed or self-employed, you must be between 18 and 70
years old at the end of the loan term. For Apna Ghar, the required age is between 25–50 years.
Income: A steady income from a job, pension, business, or other verified
regular earnings is required.
Job History: You should have at least 1 year of employment (if salaried)
or 2–3 years of business experience (if self-employed).
Credit Score: A good credit score with no history of defaults is
necessary.
Co-applicants: Adding a co-applicant can improve your chances of loan
approval.
Property: The property must be in an area where the bank operates and
should have a clear title.
Down Payment: For buying or building a home, you need to make a 10%–25%
down payment. For repairs or improvements, it can be up to 35%.
Documents Required for Home Loan Application
For Salaried People individuals
- Fill out the application form and include a photo.
- Provide ID and age proof such as PAN, Aadhaar, Voter ID, or Passport.
- Submit address proof like a utility bill, ration card, or bank statement.
- Include your last 6 months’ salary slips and bank statements.
- Provide Form 16 or ITR for the last 2 years.
- Attach a cheque for the processing fee.
- Submit the sale agreement, property title documents, or approved plan.
- Provide a cost estimate from an architect or engineer if the loan is for construction or renovation.
For Self-Employed People
- PAN, Aadhaar, or Voter ID (for KYC).
- Proof of business such as GST certificate or registration papers.
- ITR with calculations, audited reports, and balance sheet for the past 2–3 years.
- Passbook or bank statement for the last 12 months.
- Proof that your business is currently operational.
- Sale agreement or property documents.
All applicants (including co-applicants) need to provide the required documents.
Why Choose TyTil to Apply?
Easy Comparisons: Check out UPCB's rates, deals, and who qualifies, all
next to other big banks.
Easy Comparison: Through TyTil , you can view rates,
eligibility, and
features from Uttar Bihar Gramin Bank and other lenders in one place.
Simple Online Process: Upload all required documents online, avoiding
repeated visits to the bank.
Help from Experts: TyTil team assists with
paperwork, eligibility
checks, and the entire application process.
Fast Approval: Digital processes and direct connections make loan
approval and communication quicker.
Safe and Secure: TyTil uses bank-level encryption
and privacy standards
to keep your information protected.
Uttar Bihar Gramin Bank Housing Finance Ltd Home Loan Schemes
Apna Ghar: Get a loan to construct, buy, repair, or expand your house or
flat.
Plot Purchase: Buy land to build your home with the plot purchase
scheme.
Home Renovation/Improvement: Upgrade, repair, or add to your existing
home.
Balance Transfer & Top-Up: Transfer your existing loan or get extra
funds
to save more or meet additional needs.
Government Loans: Subsidized loans (PMAY/CLSS) are available for
low-income or first-time homebuyers.
Tax Benefits on Uttar Bihar Gramin Bank Home Loans
Section 80C: You can claim up to ₹1.5 lakh per year as a deduction on
the
principal repayment of your home loan.
Section 24(b): If you live in the house, you can claim up to ₹2 lakh per
year as a deduction on the interest paid.
Section 80EE/80EEA: First-time buyers and those purchasing affordable
homes may get additional deductions as per eligibility rules.
Joint Owners: If the property is jointly owned and both owners are
repaying the loan, both can claim these tax benefits separately.
These tax breaks bring down what you end up paying overall and help you save a lot!
