Aryavart Bank Home Loan 2025
Aryavart Bank offers home loans with affordable financing, starting at 8.15% interest rates and loan amounts of up to ₹15 lakh. With 306 branches and flexible repayment terms of up to 15 years, the bank makes it easier for rural and semi-urban residents to own a home.
Aryavart Bank Home Loan 2025
Are you looking for a modest home in rural or semi-urban India? Aryavart Bank home loans offer exciting interest rates starting from 8.15%, with a ceiling on the borrowing limit of ₹15 lakh. The bank was established in 2006 from the amalgamation of Avadh Gramin Bank, Barabanki Gramin Bank, and Farrukhabad Gramin Bank, and today, it holds a mighty network of 306 branches.
Flexible EMI options allow you to repay your Aryavart bank loan comfortably over 15 years, which smoothens the pathway to achieving your dream home. Plus, the bank offers structured Aryavart bank interest rate repayment plans – 9.25% for 5-10 years and 9.50% for all loans starting from 10 years. The Aryavart Bank home loan EMI calculator helps determine monthly installments based on your specific loan amount, tenure, and applicable Aryavart Bank home loan interest rate.
Aryavart Bank Home Loan Interest Rates
Your credit profile and job status play a key role in determining Aryavart Bank home loan rates. Learning about these rates will help you plan your finances better before you make this big investment.
Aryavart Bank home loan interest rates work on a tier system based on your CIBIL score. Borrowers with credit scores above 800 get the bank’s best rates starting at 8.15% – this applies to both salaried and self-employed people. So, keeping a good credit history affects how much you’ll pay for your loan.
| Rate of Interest | Max funding | ||
| Credit Score | ROI | Loan Amount | Funding % |
| ≥ 800 | 8.15% – 8.75% |
≤ ₹30 Lakh – ₹15 Cr
|
Up to 90%
|
| 750 – 799 | 8.55% – 8.90% | ||
| 700 – 749 | 8.70% – 8.95% |
₹30 L – ₹75 Lakh
|
~80–90%
|
| < 700 | 8.85% – 9.95%+ | ||
| NTC / –1 | 8.55% – 9.95%+ | > ₹75 Lakh | ~75–90% |
| Apply Now | |||
The Aryavart Bank home loan EMI calculator on their website helps you work out your monthly payments. You can figure out exactly what you’ll need to pay based on how much you borrow and for how long.
Want the best rates possible? Make sure your credit score stays above 800, and take time to compare offers for both government and regular employment categories before you apply.
Key Features of Aryavart Bank Home Loan
Aryavart Bank home loan comes with many features that match different housing needs. A good understanding of these features will help you decide about your financial plans when buying your dream home.
The Aryavart Bank home loan lets you borrow up to ₹1 crore. This makes it a great choice for buying properties in rural and semi-urban areas. The bank asks for a 20% margin, which means you only need to put up one-fifth of the property’s value while they finance the rest.
Here’s why you might consider an Aryavart bank loan apply online:
- Processing fee: 0.25% of the loan amount (minimum ₹2,500 and maximum ₹20,000)
- No documentation fees
- No prepayment penalties on fixed or floating-rate loans
The bank gives you six home loan options:
- Home Purchase Loan – To buy ready properties
- Home Construction Loan – To build your own house
- Land Purchase/Plot Loans – To acquire land
- Home Extension Loan – To expand existing properties
- Home Improvement Loan – To renovate and repair
- Residential Plot Loan – To purchase land in urban areas
Your CIBIL score and job status determine your Aryavart Bank home loan interest rates. Borrowers with top credit scores (CIBIL >800) get rates starting at 8.15%, whether they’re salaried or self-employed. Those with scores between 750-799 can get loans at 8.25%, and scores between 700-749 come with an 8.35% rate.
The bank’s customer-first approach means quick approvals and payouts along with personal attention from experienced staff. Current home loan customers can also get a top-up loan at just 1% above their existing home loan rate.
The Aryavart Bank home loan EMI calculator helps you work out your monthly payments based on your loan amount, interest rate, and repayment period of up to 15 years. It simplifies calculations and helps visualize how the Aryavart Bank interest rate and tenure affect your monthly outflow.
Eligibility Criteria and Documentation Process
Getting your Aryavart Bank home loan approved smoothly requires you to understand the eligibility criteria and documentation process. When you meet all the bank’s conditions, your Aryavart bank loan application can move forward without delays. Using tools like the Aryavart Bank home loan EMI calculator early on can help you plan better.
| Eligibility Criteria | Details |
| Age | 21 to 65 years |
| Employment Type | Salaried or self-employed |
| Minimum Income | Varies based on loan amount and applicant’s profile |
| Credit Score | Preferably 700 and above |
| Work Experience | At least 2 years for salaried individuals; 3 years for self-employed |
| Property Location | Within the bank’s operational area |
| Loan-to-Value Ratio | Up to 80% of the property’s market value |
The Aryavart Bank interest rate depends significantly on your credit score and income stability. Better scores can fetch you a lower Aryavart Bank home loan interest rate, and you can use the Aryavart Bank interest rate calculator to find the rate that may apply to your profile.
Required Documents
To apply for an Aryavart bank loan, begin by filling out and signing the official application form. You’ll need several important documents to complete the process. Start by filling out and signing the application form with your photo attached. You can prove your identity with any of these documents: Aadhaar Card, PAN Card, Passport, Driving License, or Voter ID.
If you have a salaried job, submit these documents:
- Latest 3-6 months salary slips
- Bank statements for the past 3-6 months
- Form 16 or Income Tax Returns for the previous 2 years
Self-employed applicants need to provide:
- Last 3 years Profit & Loss statements and Balance Sheets
- ITR copies for the past three years
- CA-certified financial statements
- Business continuity proof (documents at least 5 years old)
Both groups must submit property documents that include title papers and approved plans. Construction or renovation loans need an architect’s cost estimate. You’ll pay a processing fee when applying, and women borrowers might get special interest rate concessions.
Use the Aryavart bank home loan EMI calculator to calculate monthly repayments based on your chosen Aryavart bank loan amount, interest rate, and tenure. This calculator simplifies financial planning and helps you stay on budget.
Conclusion
Aryavart Bank home loans are a smart choice to finance property in rural and semi-urban India. An attractive Aryavart bank interest rate at 8.15%, makes homeownership available to many more borrowers. The bank provides six different loan options to meet various needs – whether you want to buy, build, or renovate your dream home.
Your credit history matters. The bank uses a CIBIL score-based interest rate structure that rewards borrowers with good credit scores. Low processing fees, free prepayment choices, and flexible repayment terms of up to 15 years make it easier to manage your home loan.
The path to owning your home begins with understanding these features and getting your documents ready. Aryavart Bank’s simple eligibility criteria and complete loan options can help both salaried professionals and self-employed individuals turn their housing dreams into reality. Stop by your nearest Aryavart Bank branch to take a closer look at these home loan options and begin your home ownership experience.
With straightforward eligibility, supportive terms, and expert guidance, an Aryavart bank loan could be the stepping stone to your dream home. Visit your nearest branch or apply online to explore options and get started today.
