Gayatri Bank offers wide variety of Loans Products to suit your requirements. Our unique and need specific loans will enable you to convert your dreams to realities. We are offering comprehensive loan packages at extremely competitive rates, without any hidden costs.

We give you the best possible service. We aimed to providing you the first hand support via financial aid as and when required by you. This comes along with minimum paper work and fastest processing.


Loan Product Name

Loans against Deposits
Loans against Deposits
FacilityTerm Loan
Overdraft Limit
EligibilityIndividual or FirmsIndividual or Firms
PurposeAgricultural/Education/ Small Business/ Profession/any other to meet Short time Financial RequirementsAgricultural/Education/ Small Business/ Profession/any other to meet Short time Financial Requirements
SecurityLien on Fixed/Term DepositsLien on Fixed/Term Deposits
Rate of Interest 1% Extra on Deposit Interest Rate2% Extra on Deposit Interest Rate
Loan LimitMaximum Rs.100.00 LacsMaximum Rs.100.00 Lacs
GuarantorN/AN/A
Max Loan period5 Years2 Years
RepaymentOne Time Payment/EMIRepayable on Demand
Interest methodDiminishing MethodDiminishing Method
MarginUp to 90% of Deposit ValueUp to 90% of Deposit Value
Processing FeesNilNil
Basic Documents KYC documents of Borrowers and Guarantors.
Fixed Deposit Bonds of our Bank.
KYC documents of Borrowers and Guarantors
Fixed Deposit Bonds of our Bank.
Terms & ConditionsAs per Bank’s Loan Policy.As per Bank’s Loan Policy.

Loan Product Name

Loans against LIC/NSC/KVP BONDS
Loans against LIC/NSC/KVP BONDS
FacilityTerm Loan
Overdraft Limit
EligibilityIndividual or FirmIndividual or Firm
PurposeAgricultural/Education/ Small Business/ Profession/any other to meet Short time Financial RequirementsAgricultural/Education/ Small Business/ Profession/any other to meet Short time Financial Requirements
SecurityNSC Bonds, KVP Bonds, LIC BondsNSC Bonds, KVP Bonds, LIC Bonds
Rate of Interest 11.00% PA11.50% PA
Loan LimitMaximum Rs.100.00 LacsMaximum Rs.100.00 Lacs
GuarantorN/AN/A
Max Loan period4 Years2 Years
RepaymentOne Time Payment/EMIRepayable on Demand
Interest methodDiminishing MethodDiminishing Method
MarginUp to 85% of Bond Value/Surrender ValueUp to 85% of Bond Value/Surrender Value
Processing FeesNilNil
Basic Documents KYC documents of Borrowers and Guarantors.
Fixed Deposit Bonds of our Bank.
KYC documents of Borrowers and Guarantors
Fixed Deposit Bonds of our Bank.
Terms & ConditionsAs per Bank’s Loan Policy.As per Bank’s Loan Policy.

Loan Product Name

Gayatri Gold Loan
Gayatri Janatha Gold LoanGayatri Asara Gold LoanSOD Against Gold Ornaments
FacilityTerm Loan
Term Loan
Term LoanOverdraft Limit
EligibilityIndividual or FirmIndividual or Firm
Individual or FirmIndividual or Firm
PurposeAgricultural/ Education/ Small Business / Profession/ any other to meet Short time Financial RequirementsAgricultural/ Education/ Small Business / Profession/ any other to meet Short time Financial RequirementsAgricultural/ Education/ Small Business / Profession/ any other to meet Short time Financial RequirementsAgricultural/ Education/ Small Business / Profession/ any other to meet Short time Financial Requirements
SecurityGold OrnamentsGold OrnamentsGold OrnamentsGold Ornaments
Rate of Interest 13.00% PA11.50% PA10.50% PA12.00% PA
Loan LimitMaximum Rs.100.00 LacsMaximum Rs.100.00 LacsMaximum Rs.100.00 LacsMaximum Rs.100.00 Lacs
GuarantorN/AN/AN/AN/A
Max Loan period1 Year 6 Months 3 Months1 Year
RepaymentUp to 2 Lakhs: Bullet Payment
Above 2 Lakhs: EMI
Up to 2 Lakhs: Bullet Payment
Above 2 Lakhs: EMI
Up to 2 Lakhs: Bullet Payment
Above 2 Lakhs: EMI
Repayable on Demand
Interest methodDiminishing MethodDiminishing MethodDiminishing MethodDiminishing Method
MarginAs applicable from time to timeAs applicable from time to timeAs applicable from time to timeAs applicable from time to time
Processing FeesNilNilNilNil
Basic Documents KYC documents of Borrowers and Guarantors.KYC documents of Borrowers and GuarantorsKYC documents of Borrowers and GuarantorsKYC documents of Borrowers and Guarantors
Terms & ConditionsAs per Bank’s Loan Policy.As per Bank’s Loan Policy.As per Bank’s Loan Policy.As per Bank’s Loan Policy.

Loan Product Name

Overdraft(CC)
GAYATRI SARAL CCGAYATRI Mortgage CCSOD Against Property
FacilityOverdraft LimitOverdraft Limit Overdraft LimitOverdraft Limit
EligibilityFirmIndividual or Firm
IndividualIndividual or Firm
PurposeBusiness Working Capital Needs for Existing BusinessBusiness Working Capital Needs for Existing BusinessGenuine credit requirement business/personal purposeDevelopment of existing business to retail/small business professional self-employed people
SecurityPrimary: Hypothecation of Stocks & Receivables
Collateral: Mortgage of Immovable Property
Primary: Hypothecation of Stocks & Receivables
Collateral: Mortgage of Immovable Property
Primary: Hypothecation of Stocks & Receivables
Primary: Hypothecation of Stocks & Receivables

Rate of Interest 12.00% PA13.00% PA13.00% PA13.00% PA
Loan LimitMaximum Rs.500.00 LacsMaximum Rs.5.00 LacsMaximum Rs. 10.00 LacsMaximum Rs.100.00 Lacs
GuarantorGovernment Employee/ I.T AssesseeGovernment Employee/ I.T AssesseeGovernment EmployeeGovernment Employee/ I.T Assessee
Max Loan period2 Years 2 Years 2 Years 2 Years
RepaymentRepayable on DemandRepayable on DemandRepayable on DemandRepayable on Demand
Interest methodDiminishing MethodDiminishing MethodDiminishing MethodDiminishing Method
Margin----
Processing FeesNilNilNilNil
Basic Documents KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years along with Financial Statements along with Business A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years along with Financial Statements along with Business A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years with a filing gap of minimum 6 months
Title Deeds of the property offered as security.
Other Documents As required.
KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years along with Financial Statements along with Business A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
Terms & ConditionsAs per Bank’s Loan Policy.As per Bank’s Loan Policy.As per Bank’s Loan Policy.As per Bank’s Loan Policy.

Loan Product Name

Term Loan Misc
Gayatri Saral Term LoanGayatri Mortgage Term LoanGayatri Saral Asara Loan
FacilityTerm Loan
Term Loan
Term LoanTerm Loan
EligibilityIndividual or FirmIndividual or Firm
IndividualIndividual
PurposeFor purchase of high ended equipmentFor Acquisition of machinery / equipmentBusiness Development/ Personal Needs General Purpose like Children education, marriage, Housing etc
SecurityMortgage of Immovable PropertyPrimary: Hypothecation of Stocks/Machines/Equipment financed, Collateral: Mortgage of Immovable propertyMortgage of Immovable PropertyMortgage of Immovable Property
Rate of Interest 12.00% PA13.00% PA13.00% PA13.00% PA
Loan LimitMaximum Rs.500.00 LacsMaximum Rs.5.00 LacsMaximum Rs. 10.00 LacsMaximum Rs. 100.00 Lacs
GuarantorGovernment Employee/ I.T AssesseeGovernment Employee/ I.T AssesseeGovernment Employee Government Employee/ I.T Assessee
Max Loan period5 Years 3 Years5 Years 5 Years
Repayment-
--
-
Interest methodDiminishing MethodDiminishing MethodDiminishing MethodDiminishing Method
Margin----
Processing FeesNilNilNilNil
Basic Documents KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years along with Financial Statements along with Business A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years along with Financial Statements along with Business A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years along with Financial Statements along with Business A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years along with Financial Statements along with Business A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
Terms & ConditionsAs per Bank’s Loan Policy.As per Bank’s Loan Policy.As per Bank’s Loan Policy.As per Bank’s Loan Policy.

Loan Product Name

Housing Loan
Commercial Housing Loan
FacilityTerm LoanTerm Loan
EligibilityIndividual Individual/Firms
PurposeFor construction of Residential Houses or for purchase of existing Residential Houses, Flats for Self dwelling or for rental purposeFor construction of Commercial Building/Offices or for purchase of existing Commercial Houses, Flats for Self or for rental purpose
SecurityMortgage of Immovable PropertyMortgage of Immovable Property
Rate of Interest 11.00% PA12.00% PA
Loan LimitMaximum Rs.200.00 LacsMaximum Rs.500.00 Lacs
GuarantorGovernment Employee/ I.T AssesseeGovernment Employee/ I.T Assessee
Max Loan period5 Years 5 Years
RepaymentEquated Monthly
Equated Monthly
Interest methodDiminishing MethodDiminishing Method
MarginUp to Rs. 20 Lakhs Amount: 30% of Construction cost, Above Rs. 20 Lakhs Amount: 40% of construction costUp to 40% of project cost
Processing FeesNilNil
Basic Documents KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years
A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years
A/c statement for last one year.
Title Deeds of the property offered as security.
Other Documents As required.
Terms & ConditionsAs per Bank’s Loan Policy.As per Bank’s Loan Policy.

Loan Product Name

Loan against Rent Receivables
FacilityTerm Loan
EligibilityIndividuals, proprietary concerns, partnership firms, private and public limited companies, trusts etc owning the properties and rented out to reputed commercial establishments and Govt departments/agencies.
PurposeFor Business Needs and/or other genuine personal needs of the owners.
SecurityAgainst lease rent receivables from Shopping /Office Complexes.
Mortgage of the immovable property of not less than 200% of the Loan.
Rate of Interest 12.50% PA
Loan LimitMaximum Rs.500.00 Lacs
GuarantorGovernment Employee/ I.T Assessee
Max Loan period5 Years
RepaymentEquated Monthly Installments
Interest methodDiminishing Method
MarginWill be based on monthly rent receivable in the next 2. 60 months or unexpired lease period
Processing FeesNil
Basic Documents KYC documents of Borrowers and Guarantors.
Copies of IT returns for last 3 years
Registered Lease Deeds
Title Deeds of the property offered as security.
Other Documents As required.
Terms & ConditionsAs per Bank’s Loan Policy.