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DHFL Home Loan in Aurangabad

Interest Rate starts from 8.60%

DHFL Home Loan Interest rates in Aurangabad

Please Find the Detailed DHFL Home Loan Interest Rates For Various Categories

DHFL Home Loan Floating interest Rates

Up To 25,00,00025,00,000 To 75,00,00075,00,000 To 10,00,00,00010,00,00,000 Above
Salaried9.05%9.05%9.15%9.15%
Self Employed9.15%9.15%9.35%9.35%
Women8.60%8.60%8.75%8.75%

Loan To Value (LTV) For DHFL Home Loan in Aurangabad

Please Find the Detailed Margin Money Details For DHFL Home Loan
Up To 25,00,00025,00,000 To 75,00,00075,00,000 To 10,00,00,00010,00,00,000 Above
Salaried90.00%90.00%85.00%80.00%
Self Employed90.00%90.00%85.00%80.00%
Women90.00%90.00%85.00%80.00%

Features of DHFL Home Loan Aurangabad

Type Features
Processing FeeUpto 1.5%
Pre Closure ChargesNil
Part Payment ChargesNil
Min Tenure1 Years
Max Tenure30 Years
Min Age21 Years
Max Age60 Years

DHFL Home Loan Aurangabad Charges

Type Charges
E M I Bounce Charges18.0% Per Annum
Duplicate Statement ChargesRs.250/-
Insurance CoverUpto Loan Amount
Inspection ChargesAt Actuals
Legal Opinion Valuation ChargesAt Actuals
Validity Of SanctionNA
Cheque Swapping ChargesRs.250/-
Bounce Cheque ChargesRs.250/-
Issue Duplicate Provisional Interest CertificateRs.250/-
Issue Duplicate Interest CertificateRs.250/-
Duplicate Balance CertificateRs.250/-
Issue Amortization Schedule DuplicateRs.250/-
Switch Variable To Fixed0.5% of the principal outstanding
Switch Fixed To Variable0.5% of the principal outstanding
Photocopy DocumentsRs.500/-

Documentation For Home Loan

  • Filled Application form
  • Identity Proof (PAN CARD)
  • Address Proof
  • Latest 3 months Payslips
  • Job Continuity Proof
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Filled Application form
  • Identity Proof
  • Address Proof
  • Last 2 years Income Tax Returns
  • Professional/Self employed existence proof for more than 3 years
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Passport
  • Driving License
  • PAN card
  • Photo credit card (with embossed Signature and last two months statement)
  • Banker's sign verification
  • PAN Card
  • Passport
  • License
  • School leaving certificate
  • Voter card
  • Birth Certificate
  • LIC policy (only for age Proof)
  • Passport
  • Telephone bill (BSNL/MTNL)
  • Electricity bill
  • Title deed of property
  • Rental agreement
  • Driving license
  • Election ID card
  • Photo-credit card (with last two month statements)
  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
  • Form 16
  • Relieving letter
  • Appointment Letter (for last two months)
  • Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
  • Bank statements of latest 2 months
  • 3 months bank passbook
  • Min of 15 years of Link documents of Property
  • Min 15 Years of Encumbrance Certificate (EC) of the property obtained from Govt. Authorities
  • Property Sanction plan
  • BRS/LRS copies (if required, any)

DHFL Home Loan FAQ's

What are the types of home loans that DHFL offers?

"There are a variety of home loans you can benefit from: 1. Home Purchase Loan: Common loan for purchasing a home 2. Home Improvement Loan: Loan given for implementing repair works and renovations to your home 3. Home Construction Loan: Loan available for the construction of a new home 4. Home Extension Loan: Given for expanding or extending an existing home – eg. Addition of an extra room, etc. 5. Land Purchase Loan: Sanctioned for purchase of land, for both home construction or investment purposes 6. Home Loans for Self Employed: Specially tailored Home Loans for Self employed Professionals and Non-Professionals such as Small retailers, Doctors, Architects etc. 7. Plot Loans: Loan for Purchase of Non Agriculture Plot Loans across India 8. Home Loan Transfer: Transfer of Home Loans from other Housing finance companies or Banks. "

What is an EMI?

EMI (Equated Monthly Instalment) is the amount payable to the lending institution every month, till the loan is paid back in full. It consists of a portion of the interest as well as the principal.

What are the eligibility conditions for a home loan?

"To qualify for a home loan with DHFL, you must be: 1. An Indian resident or NRI 2. Above 21 years of age at the commencement of the loan 3. Below 65 when the loan matures 4. Either salaried or self employed "

Who can be a co-applicant?

A co-applicant is/are the co-owners of the property which is being offered as collateral/security to the loan. However all co-applicants need not be co-owners. Co-applicants to the loan are generally husband/wife, father/son, etc.

What are the interest rates offered for home loans? What are daily reducing, monthly reducing and yearly reducing balance?

"Interest rate varies according to the market conditions and interest rates are dynamic in nature. The interest on home loans in India is usually calculated either on monthly reducing or yearly reducing balance. In some cases, daily reducing basis is also adopted. 1. Annual Reducing: In this system, the principal, for which you pay interest, reduces at the end of the year. Thus you continue to pay interest on a certain portion of the principal which you have actually paid back to the lender. This means EMI for the monthly reducing system is effectively less than the annual reducing system. 2. Monthly Reducing: In this system, the principal, for which you pay interest, reduces every month as you pay your EMI. 3. Daily Reducing: In this system, the principal, for which you pay interest, reduces from the day you pay your EMI. EMI in the daily reducing system is less than the monthly reducing system DHFL calculates EMI on monthly reducing basis only. "

What is a fixed rate of interest?

Fixed rate of interest means the rate of interest remains unchanged for the entire duration of the loan. This means you do not benefit even if home loan interest rates drop in the market during the course of your loan.

What is a floating rate of interest?

In this case, the rate of interest fluctuates based on the market lending rate. This means you stand the risk of paying more than you budgeted for in case the lending rate goes up.

What is Pre-EMI Interest?

Prior to full and final disbursement and commencement of EMI, you pay pre-emi interest on the portion of the loan disbursed to you. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of the EMI.

What are the other costs that usually accompany a home loan?

"Home loans are usually accompanied by the following costs: 1. Processing Charge: It’s a fee payable to DHFL on applying for a loan. 2. Pre-payment Penalties: If the Housing loan is under Variable/Floating Rate loan and the loan is prepaid through any source, no prepayment charges shall apply If the Housing loan is under fixed rate, the pre-payment charges shall apply except in the cases in which the customer is paying out of his ‘Own Sources’. The expression ‘own sources’ indicates that the proceeds of the prepayment should be from ‘any source other than from a bank/HFC/NBFC and/ or a financial institution’. All other Loans would continue to attract pre-payment penalty upon pre-closure, as per the terms and conditions of the loan agreement which is duly signed and executed by the customer. 3. Commitment Fees: DHFL doesn’t take any commitment fees from consumers, while some Institutes levy a commitment fee in case the loan is not availed of within a stipulated period of time after it is processed and sanctioned. 4. Miscellaneous Costs: DHFL levies a minimal charge of ` 220 only for Standard documentation charges. "

What are the repayment period options?

Repayment period options range generally from 5 to 20 years. DHFL offers loans from whose tenure ranges from 5 to 20 years.

Are securities required for home loans?

In most cases, the property to be purchased, itself becomes the security and is mortgaged to the lending institution till the entire loan is repaid. Some institutions may ask for additional security such as life insurance policies, FD receipts and share or savings certificates. DHFL doesn’t ask for securities. Securities will be asked by DHFL in exceptional cases only.

What is the right time to apply for a home loan?

Loans can be applied for before or after selection of property. The loan amounts are sanctioned in principle to let buyers know what amounts they can avail of. This helps them decide their budgets and purchasing power. Actual disbursements are made after satisfactory verification of all necessary documents and completion of specific procedures.

Do I require a guarantor to get a home loan?

DHFL doesn’t ask for a Guarantor. One can have a co-applicant instead, while some other financial institutions do ask for 1 or 2 guarantors.

What is the time required for home loan application approval?

About 3-15 days, subject to proper documentation provided by the Home loan applicant.

What is the time required for home loan disbursement?

On an average, loans are disbursed within 3-15 days after satisfactory and complete documentation and completion of all relevant procedures, including proof that 15% of the cost has been paid upfront to the seller of the property.

What are the tax benefits of home loans?

Resident Indians are eligible for certain tax benefits on principal and interest components of a home loan. As per Income Tax Act 1961 rules, the current applicable exemption under section 24(b) is ` 1,50,000/- for the interest amount paid in the financial year and up to ` 1,00,000/- (under section 80 C) for the principal amount repaid in the same year.

About DHFL

DHFL, one of India’s leading housing finance company is established on April 11, 1984 to enable access to affordable housing finance to the lower and middle income groups in semi-urban and rural parts of India. DHFL is the second housing finance Company to be established in the country.

DHFL Highlights

Gold’ at the Asia Pacific Customer Engagement Forum & Award, 2016-2017
Golden Peacock Innovative Product and Service Award 2016,
DHFL awarded the Best Housing Finance Company by BFSI awards presented by ABP News, 2015
DHFL amongst the Top 50 Dream Companies to work for awarded by Times Ascent & World HRD Congress, 2015
DHFL wins Best Corporate Brand Award 2015 by Economic Times
DHFL wins India’s Most Trusted Brand Award 2015 in the housing finance category

Home Loan Can Be Used For Many Purposes Like Below

For Construction of a New House

For Purchase of Dream Home

For Interiors of Home

Purchase of Open Land

To Buy an Apartment

Home Renovation

To Purchase a New Villa

Construction of Commercial Building

Why Home Loans?

Most of the families prefer to have their own house whether big or small. There is a significant difference staying in a self owned house than in a rented shelter. House is the most costly asset owned by middle and upper middle class families and it has emotional value. Affording own house with actual money is not always possible. Even though a person has stable income, years of savings are required to own a house in this current market. A Home loan answers the problems of those people who are willing to have their own home but do not have sufficient money to do that. You can now own your dream home by availing Home loan.

Home loan is normally for purchase of a new House/ Flat/Plot or renovation/ renewing of existing residential or commercial properties. Home loans are provided by Banks and registered finance companies. In Indian market there are several Banks/ HFCs providing Home loans at competitive interest rates. Home loan is always secured against the property that you buy. In case you are unable to repay the loan amount the lending bank will have right to take possession of the home.

In case of a Home loan entire lump sum amount will be sanctioned and disbursed initially based on the credit worthiness. You can plan your housing loan repayment tenure varying from 10-30 years and is repayable in form of EMIs. The rate of interest applicable is linked with Bank's base rate. You have a option to chose floating interest rate or fixed interest rate for the loan amount. For those who want the EMI amount to be fixed and are intending to plan their payments accordingly can opt for fixed interest rate. Those who are ready to take minimal risk and intend to avail the advantage in the long run can avail floating rate of interest. Floating rate of interest is more beneficial in the long run.

Expert Advice

Best Practices for Home Loan

Buyer has to ensure sufficient due diligence before finalizing the property. Certain aspects like builder credibility, availability of required approvals, and legal clearance of property to be checked before buying a property. Though it costs little extra it is advisable to get the assistance of experts for buying a property. This will help in avoiding costly mistakes.
Calculate and plan the total expenditure involved in purchasing a property. Apart from the cost of the property there are other related expenses like stamp duty, loan application charges, processing fee, valuation fee, legal fee etc which need to be meet from own funds of the buyer. Property buyer to invest around 20-25% of the total cost apart from loan. It is to be ensured that sufficient cash reserves are available to meet these expenses.
Based on your earning and repaying capacity decide the home loan amount to be taken. The various factors to be taken into consideration include your income, fixed obligations, remaining work experience, future growth prospects, future expenses like children education, marriage etc, other source of income, job related risks etc. This thorough analysis will help in taking right decision. This will help in not making a mistake of taking small loan when your income supports higher loan and taking high loan when your income do not support a huge amount.
Improve your credit history. Clearing of all overdue before applying for home loan will helps to improve the credit score. It is to be noted that your loans will not go into 30-60 or 90 days delinquency which reduce the credit score. Loan dues to be paid before the credit card payments which have higher impact on the credit score then the credit card payment. Prioritize the payments.
Do hold all the documentation required for processing the loan in originals and copies. This will help in easy verification of documents and fast processing. Any change in the employment, changes in pay structure etc during the loan process to be intimated to the concerned officer who helps in avoiding disconnect.
Save the best possible amount from your income. This will help you in having the large down payment. During the tenure of loansave the income, which can be used for prepay of principal amount. Ensure that there are no prepayment charges before making prepayment.

Things not to do for Home Loan

Do not avail any short term loans like vehicle loans, Home Loans, credit cards before going for a home loan. Any additional loan taken will reduce your Home Loan eligibility.
Do not be very optimistic about your future income and make a choice of high loan amount. This will increase your worries and you make feel unsecured.
Do not change your employer without knowing the impact on the approval of your Home loan.
Do not get into a contract with emotions, do proper research before taking a property and ensure it is right fit for you.
Do not jump into a conclusion, do the required homework before applying for home loan.
Do not forget to read the small print, ensure to read all the terms and conditions before signing the agreements.
Do not forget to make the payment of instalments. Ensure sufficient balance in the account to meet the EMI on a monthly basis.
Do not apply for a home loan only just you have eligibility. First select the property get the technical and legal cleared then go for the home loan. In case if you have applied for a home loan and it is sanctioned based on your income, subsequently property is not eligible under Bank norms you will end up losing the processing fee.

Interest Rates

1) Credit/CIBIL History:
If you have good credit/CIBIL record then banks will definitely award you with a better rate of interest. This means that if you have taken a loan previously and managed to pay it off without defaulting then you will have a high credit/CIBIL score. Apart from the loan the banks also take into account payment of your credit card bill record.
2) Nature of Employment:
The nature of your job also plays a crucial role in determining the interest rate. Banks have different checks in place if you are a salaried individual vis-à-vis a self employed person. So if you are working with a reputed organization then banks will be able to extend a cheaper rate of interest. But if you are working with an organization that is not very well known then a higher rate will be charged. In case you have your own business then banks will give you a loan even if you are in an advanced age. On the other hand in case you are a salaried employee then a loan will not be extended if you are nearing the age of retirement.
3) Bank-Customer relationship:
If you approach the bank where you already have a bank account and you are a valued customer then banks may give you certain leeway. This mean you can negotiate with the bank for a cheaper interest rate. Most banks agree to give a concession of 0.5-1% on the interest rate.

So next time you go around shopping for a Home loan, remember that these three points will affect the amount that the bank sanctions and the interest rate that it is levied. In the next article we will cover more points that affect interest rates on Home loan. So stay tuned!

Other Benefits

1) Tax Benefits:

As per Income Tax Act 1961, under section 80C, Principal repayment up to Rs. 100000 on your home loan taken for purchase or construction of a residential home property is eligible for deduction from gross salary on a annual basis.

As per Income Tax Act 1961, under section 24, Interest on home loan to an extent of Rs. 150000 P.A is allowed as expenditure under the head “Income from House Property”.

In case home loan is take by two or more jointly then under sec 80C deduction is allowed on proportionate basis.

2) Tips for Home Loan:

To increase the loan eligibility go for a joint loan. Combine your income with that your spouse or your parents.

Loans must not be taken for holidays, investing in stocks, weddings, buying expensive gadgets etc.

In case of Bad credit score take a short term loan (6 months) and repay it promptly and improve your score then.

Have the property insurance and buy loan protector life insurance for unexpected future risks.

Do not avail any short term loans like vehicle loans, Home Loans, credit cards before going for a home loan.  Any additional loan taken will reduce your Home Loan eligibility.

Facts about Home Loans

The Banks/Financial Institutes takes care about the following, when you apply for a Home Loan.

A) Earnings & repayment capacity

The Banks/Financial Institutes have their own norms and hence there will be difference in the loan amounts sanctioned to you by different the Banks/Financial Institutes. The main focus of the Banks is on your repayment capacity. They analyze how comfortably you will be able to pay the EMIs throughout the tenure of the loan. This analysis is done based on the ratios like Fixed obligation to Income ratio (FOIR) and Installment to income ratio (IIR).

These ratios are expressed in percentage. FOIR includes all your fixed obligations including EMIs on your existing loans. IIR indicates the percentage of monthly home loan installment of the total income. These two ratios may vary based on actual salary details, years of experience, stability of income, professional qualification, future career growth prospects etc.

B) Property legal and technical clearance:

Banks will not finance all properties. Banks look into various aspects like type of property, locality, Builder etc. They have certain type of properties and localities classified as negative. Therefore before finalizing a property one has to check whether the property is eligible for funding. Though it costs you little extra it is always better to check the legal and technical aspects before buying a property. Banks normally have loan to value (LTV) of 70-85% of value/ cost of the property considering type of property.

Apart from the above two mentioned parameters there is one additional and most important thing the Bank looks into is Credit history. Willingness to repay can be understood from ones past credit history and banking track.

Before selecting the Bank the following are the few points to be understood. All these will help you in selecting a right home loan lender for purchasing your dream home.

1. What is the Loan amount which the Bank is willing to extend based on FOIR?
2. What is Loan to value of the property?
3. What is the EMI amount and repayment tenure allowed?
4. What are the prevailing Interest rates and what is offered to you?
5. What are the other charges involved like processing fee, administrative fees, legal & technical fee, prepayment penalties, stamping charges, annual maintenance charges, insurance policy etc?
NOTE: Last but not least do not forget that any default in payment of home loan installments is more costly than your regular rent payments. Any such default will affect your Credit history badly and you have to bear high penalty for the same.

Home Loan Vs Mortgage Loans

Home Loans Mortgage Loan
Home loan can be availed for own/purchase of new property (Home or Flat). Mortgage loans will be provided based on already owned property.
Under Home Loan, loan can be availed only for purchase of new property. There is no restriction on mortgage loan usage. It can be used for any purpose.
Housing Loan will be provided for max of 25 years, some banks can extend it to 30 years also. Mortgage loans will be restricted to max of 10 years of term, which will be varying from bank to bank in India.
Home Loans interest will be as low as 9.95% to max of 11.5%, these interest rates will be subject to change as per market condition. Interest rate will be very from 12% to max of 15% based on the bank to bank. Generally mortgage loans will be fixed interest loans.
Home Loan customers can be eligible for Income tax deduction of Rs 1.00 lakh on housing loan interest under section 80EE. This would be in addition to the existing tax benefit of Rs 1.5 lakh under section 24, only if the value of the property purchased should not exceed Rs 40 lakh. Also, it could result in maximum savings of Rs 30,000-31,000. If the money received from a mortgage loan is used for business purposes, the interest can be claimed as an expense on the balance sheet of the business. However, if an individual is using it for personal end use, like marriage or medical expenses, the interest is not tax deductible as per income tax guidelines.
Loan can be availed up to max of Rs. 1.0 Cr under home loan, for real estate project funding it can be up to Rs. 20.0 based on the bank risk appetite. Mortgage Loans can be avail up to Rs. 15.0 cr based on the type of property and its usage and value of property and eligibility of applicants as per banks norms.
There is no prepayment penalty for the housing loan customers, when the loan will be cleared by the own funds. There will be pre payment changes will be applicable for mortgage loans. This will be vary from 1% to 3% as per bank internal guidelines.
Part pre Payments will be allowed in Housing Loans. There were no part prepayment will be allowed for Mortgage loans.
Housing Loan can be availed with joint eligibility by Husband and wife or blood relatives. Mortgage loans also avail with the joint eligibility as company and director or blood relatives.
You can avail max of 80% of the property value as a home loan as per your eligibility criteria. In Mortgage Loan max of 65% property value can avail as a Loan based on the type of property.
You can avail a top loan facility on your home loan. Top up facility will be vary from bank to bank internal guidelines.

About Aurangabad

Aurangabad District, also called Sambhaji Nagar, is one of the 36 districts of Maharashtra state in western India. The history of Aurangabad can be traced back to 1610, when the former Abyssinian slave and then prime minister of the Muslim kingdom of Ahmednagar, Malik Ambar establishment a city on the site of an old village called Khirki. His son Fateh Khan named the city he ruled over, Fatehpur in 1626.

Modern Aurangabad retains an Islamic ambience and still retains an old world charm. Veiled women (in burkhas) move about in the Chowk area, the call of the muezzin can be heard over the din and bustle of traffic, and come Friday, large crowds veer towards the mosques for ritual prayers. But the city has donned a more contemporary face as a major industrial centre for pharmaceuticals, automobiles, textiles and electronics and as the gateway to the cave temples of Ajanta & Ellora.

Other Cities Loan Offers

Places To Be Visited In Aurangabad

Khuldabad

    The place is a holy shrine for Muslims. It is a wonderful place surrounded by mountains and it offers scenic view. The city walls constructed by Aurangazeb were ruined and you could see ruins of ancient buildings. The Tombs of Aurangazeb, Khan Jahan’s Lal Bagh and various other Tombs are found here.

Bani Begam Bagh

    The beautiful garden was created by the grandson of Aurangazeb in memory of Bani Begum, his wife. This is a perfect place if you want to relax on your tour and keep your spirits soaring. The garden reflects the style of Mughal architecture.

Ghrishneshwar Temple

    Ghrishneshwar Temple belongs to 18th century. It is just half a kilometer from Ellora Caves. The marvelous architecture is awe-inspiring though you cannot hope to see the complete ancient architecture here owing to the damage caused by Aurangazeb. A peaceful place and it is frequented by tourists, as it is one of the twelve Siva temples.

Ajanta Caves

    Ajanta Caves top the list of favorites when one visits Aurangabad. Declared as World Heritage Site by UNESCO, Ajanta Caves have been visited by tourists from all parts of the world. The mural paintings in Ajanta Caves display unique style that cannot be seen in any part of the world. The paintings depict the events on the life of Buddha and there are illustrations on Buddhist deities. The stunning paintings reveal the skills and artistry of the artists and they effectively narrate the events without the need for words. A lot of researches were undertaken to learn about the mystery behind the life of paintings. The paintings have withstood the test of time and the colors are fresh and glowing.

Ellora Caves

    Ellora Caves throw light on the tolerance of the people of ancient India who were ready to accommodate other beliefs and faiths. Ellora Caves are spaced over 2 kilometers and there are 34 caves representing three religions namely Buddhism, Hinduism and Jainism. The monuments date between 600 A.D. and 1000 A.D. All the 34 temples and monasteries were dug adjacent to each other in the walls of a cliff. The first 12 caves are Buddhist Caves and they are the oldest. The next 17 caves are the Hindu Caves. The last 5 caves are Jain Caves. The architectural expertise and the efforts taken by the artisans in constructing buildings out of rocks have no words to admire enough.

Devgiri Fort

    Devgiri Fort is situated in the village of Daulat. The massive fort immediately attracts you and has you spellbound the moment you set your eyes on it. The fort was considered to be constructed by Billamraja who ruled Daulatabad during 1187 A.D. The most interesting fact about the fort is that it remained unconquerable throughout. The architectural wonder was built to provide the best defense to the rulers and it was very well achieved, as the fort was never won.

Total Number Of Branches In Aurangabad (507)

YES BANK (56 Branches)STATE BANK OF INDIA (53 Branches)STATE BANK OF HYDERABAD (46 Branches)BANK OF MAHARASHTRA (44 Branches)PUNJAB NATIONAL BANK (27 Branches)HDFC BANK (20 Branches)CENTRAL BANK OF INDIA (17 Branches)IDBI BANK (16 Branches)ICICI BANK LTD (14 Branches)STATE BANK OF INDIA (14 Branches)BANK OF BARODA (14 Branches)SARASWAT CO-OP BANK LTD (13 Branches)CANARA BANK (12 Branches)PUNJAB NATIONAL BANK (11 Branches)THE SHAMRAO VITHAL CO-OP BANK (8 Branches)UNION BANK OF INDIA (7 Branches)KOTAK MAHINDRA BANK LTD (6 Branches)DENA BANK (6 Branches)BANK OF INDIA (6 Branches)AXIS BANK (6 Branches)ALLAHABAD BANK (6 Branches)BANK OF BARODA (6 Branches)BANDHAN BANK LTD (5 Branches)ALLAHABAD BANK (4 Branches)INDIAN BANK (4 Branches)CENTRAL BANK OF INDIA (4 Branches)BANK OF INDIA (3 Branches)ORIENTAL BANK OF COMMERCE (3 Branches)VIJAYA BANK (3 Branches)SYNDICATE BANK (3 Branches)UCO BANK (3 Branches)ALLAHABAD BANK (3 Branches)TJSB SAHAKARI BANK LTD (2 Branches)PUNJAB & MAHARSHTRA CO-OP BANK (2 Branches)THE NASIK MER CO-OP BANK LTD (2 Branches)STATE BANK OF PATIALA (2 Branches)NKGSB CO-OP BANK LTD (2 Branches)MAHANAGAR CO-OP BANK (2 Branches)MAHARASHTRA STATE CO-OP BANK (2 Branches)JANATA SAHAKARI BANK LTD (2 Branches)INDIAN BANK (2 Branches)STATE BANK OF BIKANER & JAIPUR (2 Branches)CANARA BANK (2 Branches)IDBI BANK (2 Branches)UNITED BANK OF INDIA (2 Branches)VIJAYA BANK (2 Branches)ABHYUDAYA CO-OP BANK LTD (2 Branches)CORPORATION BANK (2 Branches)DCB BANK LTD (1 Branches)CATHOLIC SYRIAN BANK LTD (1 Branches)CITI BANK (1 Branches)CITY UNION BANK LTD (1 Branches)ANDHRA BANK (1 Branches)SYNDICATE BANK (1 Branches)UCO BANK (1 Branches)BANK OF MAHARASHTRA (1 Branches)HDFC BANK (1 Branches)ICICI BANK LTD (1 Branches)ANDHRA BANK (1 Branches)AXIS BANK (1 Branches)BANDHAN BANK LTD (1 Branches)INDIAN OVERSEAS BANK (1 Branches)INDUSIND BANK (1 Branches)ING VYSYA BANK (1 Branches)JAMMU & KASHMIR BANK LTD (1 Branches)DEUSTCHE BANK (1 Branches)FEDERAL BANK (1 Branches)KARNATAKA BANK LTD (1 Branches)KARUR VYSYA BANK (1 Branches)NAGAR CO OPERATIVE BANK (1 Branches)RBL BANK LTD (1 Branches)STATE BANK OF BIKANER & JAIPUR (1 Branches)PUNJAB & SIND BANK (1 Branches)BANK OF BARODA (1 Branches)CANARA BANK (1 Branches)ICICI BANK LTD (1 Branches)STATE BANK OF INDIA (1 Branches)UNITED BANK OF INDIA (1 Branches)UNITED BANK OF INDIA (1 Branches)VASAI VIKAS SAHAKARI BANK LTD (1 Branches)
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01-04-2019, 14:51
State Bank of India levies a fine of Rs 5-15 from savings account holders failing to maintain the required balance
State Bank of India charges a penalty amount ranging from Rs 5 to 15 (Excluding GST) from savings bank account holders failing to maintain the specified balance.
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18-03-2019, 12:06
State Bank of India Cash Withdrawal Limits
State Bank of India ATMs enable customers to withdrawal up to a daily limit of Rs 40,000. This limit is applicable on Classic Debit card. Higher value cards permit daily withdrawal ...
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