Here are a few factors

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Location 50Km from Branch
CIBIL Score 650+
Applicant Any Salaried or Self Employed Person
Applicant Age Salaried-21 Year to 65 Year
Self Employed-21 Year to 70 Year
Loan Amount & Tenure 50 Lac to 15Cr
(5 Year to 15 Year)
Login Fees 5900+
Rate of Interest & Type (i) Salaried:11% to 15%
(ii)Self Employed: 11.50% to 16.50% (Reducing)
TAT Sanction-10 Days
Disbursement-within 3 days after submission of documents
Processing Fees 1%-1.50%
Foreclosure Charges Upto 4%
Insurance 1%-4%
Minimum Business Vintage 3 Year
Lock In Period 12 Month
Part Payment Allowed No
LTV (i) Residential-90% (ii) Commercial-70% (iii) Industrial-60%
(iv) if residential property is rented/vacant then LTV will be 10% lower
(v) If Commercial/Industrial Property Purchase/vacant/rented then LTV will be 10% lower
Product (i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase (iv) Seller BT
Program (i) Income Program-15 Cr
(ii) LIP Program- 3 Cr
(iii) Without ITR-1 Cr
(iv) Banking Product-3 Cr
FOIR (i) Salaried: Salary<50K-50% of Net Salary, If Salary>50-60% of Salary (ii) Self Employed: 80% of Income
Cautious Profile No Cautious Profile
Negative Profile (i) Politician (ii) NRI (iii) Real Estate (iv) GYM (v) Liquor Seller (vi) Advocate 
Funded Property (i) Residential Property (ii) Commercial Property (iii) Industrial Property (iv) Khasra-Khatauni Property
(v)Un-approved Property (vi)Gram Panchayat Property (vii) Legal & technical not clear
(viii) Sub-divided Property (ix)Without MAP Property (x) Regularized Colony (xi) Stone Slab Property
(xi) Basement with 1st Floor 
Negative Property (i) GPA Property (ii) Stand Alone Basement (iii) Demolition List Property (iv) Bachha Flat
(v) Subject to Registry (vi) Hotel & Restaurent (vii) School (viii) Hospital & Nursing Home
(ix) Godown & Warehouse (x)Gift Deed (xi) Single Sale Deed (xii) Leasehold Property without PTM
(xiii) Any type of Plot (xiv) Multi Tenanted Property
Accepted Collateral Other than Negative Property
Specific Property wise Funding Limit (i) Lal Dora-3 Cr (ii) Other Specific Property-3 Cr
Any Specific  Product for Professionals No Specific Product
USP Funding in Dominated Area
Additional (i) DOD product & LRD Product not doing
(ii) Demolition List Property doing if entire property is coming
(iii) 2 Bouncing in last 6 month accepted

Required Documents

KYC of applicant & Co-Applicant  

Last 3 year ITR with computation of income of applicant & co-applicant

Last 3 Month Salary Slip of Applicant

LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case

Last 12 month Bank Statement of applicant & co-applicant

26AS of last 2 year of applicant & co-applicant

Last 2 Year Form 16 of applicant

Appointment letter of applicant if available

Agreement to Sale if purchase case

Sanction letter of all running loan

Property Paper with complete chain of last 13 years

Latest utility Bill of Office if owned or rent agreement if rented

2 Reference with contact details

Eligibility Required For Jana Bank Loan Against Property

  • Any Salaried or Self Employed Person Can Apply
  • The minimum age of Salaried applicant must be 21 years to 65 years.
  • The minimum age of Self Employed applicant must be 21 years to 70 years.
  • Applicant must have a minimum CIBIL of 650 +
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