Home Loan

1. Keeping in view the various Regulatory/Statutory & Banks own internal requirements, loan policy has been formulated for the Current year, The details are,

a) Exposure ceiling to individual / Group of borrowers / Different sectors.

2. Housing loans.

3.) Exposure to Housing,Real Estate Sector and Commercial Real Estate. As per R.B.I guidelines,the exposure of urban Banks to housing,real estate and commercial real Estate are limited to 10% of their total assets of the previous year. However it can be extended up to additional limited of 5% of total assets for the purpose of grant of housing loans to individuals for purchase of construction of

4.) House Mortgage Loans up to Rs.10.00 lakhs.