Apna Sahakari Bank Home Loan

Apna Sahakari Bank home loan interest rate is set at 8.75% p.a. for women borrowers and 9.00% p.a. for others, determined by gender and CIBIL score. The rate applies uniformly for new customers purchasing property with a 15% margin and 3-EMI lien as fixed deposit.

Borrower Category	Interest Rate	Max Rate	Key Influencing Factors
Women (CIBIL ≥750)	8.75%	8.75%	Gender concession; high CIBIL
Others (CIBIL ≥750)	9.00%	9.00%	Standard rate; no guarantor
Women (CIBIL 700-749)	8.75%	8.75%	One guarantor required
Self-Employed (All)	9.00%	9.00%	2 years ITR consistency

Apna Sahakari Bank Home Loan Interest Rate Comparison with Leading Banks (as of October 2025)

Bank	Starting Rate (p.a.)	Processing Fee	Max Tenure
Apna Sahakari Bank	8.75%	0.25%-1%	20 years
State Bank of India (SBI)	7.50%	Up to 0.35%	30 years
HDFC Bank	8.15%	0.5%–1%	30 years
ICICI Bank	8.75%	0.5%–1%	30 years

For a ₹40 lakh loan over 20 years at 8.75%, EMI is ₹34,200—₹1,800 higher monthly than SBI's 7.50%, but processing fee as low as ₹10,000 saves upfront costs.

Why Opt for Apna Sahakari Bank Home Loan Interest Rate Calculator Processing Fee Requirements Application Process Customer Care Status

1. Low Processing Fee for High CIBIL: 0.25% fee for scores 750+ reduces upfront to ₹10,000 on ₹40 lakh.
2. Women Interest Rate Concession: 0.25% lower rate saves ₹25,000 over 20 years.
3. Simple Eligibility Requirements: 1 year service or 2 years ITR.
4. No Guarantor for Top CIBIL: Faster application process.
5. Quick Branch Approval: 7-10 days in local areas.
6. PMAY Subsidy Support: Eligible for government schemes.

Apna Sahakari Bank Home Loan Calculator: Estimate Your Payments Effortlessly

Apna Sahakari Bank home loan calculator is not available online; use third-party tools like BankBazaar or codeforbanks.com. Input loan amount, interest rate (8.75%-9.00%), and tenure to view EMI, total interest, and amortization.

Example Calculation

Loan Amount: ₹40 lakh

Interest Rate: 8.75% p.a.

Tenure: 20 years

Monthly EMI	Total Interest Payable	Total Amount Payable
₹34,200	₹42.08 lakh	₹82.08 lakh

Reduce tenure to 15 years: EMI ₹36,500, saves ₹10 lakh interest.

Apna Sahakari Bank Home Loan Processing Fee and Associated Charges

Charge Type	Amount
Processing Fee	0.25%-1% + GST
Legal & Valuation Fee	₹2,000-₹5,000
CERSAI Registration	₹500
Stamp Duty (MODT)	0.2%-0.5% (Maharashtra)
Prepayment (Floating Rate)	Nil

GST at 18%. Total charges under 1.5% for most cases.

Apna Sahakari Bank Home Loan Requirements and Eligibility

For Salaried Applicants

● Age: 21–70 years

● 1 year confirmed service

● Monthly income: ₹20,000+

● CIBIL: 650+

For Self-Employed Applicants

● Age: 25–70 years

● 2 years business

● ITR: Positive for 2 years

● Property: 85% complete

Essential Documents

1. KYC: Aadhaar, PAN, photos
2. Income: Salary slips/ITRs
3. Property: Sale agreement, title deed
4. Bank statements: 6 months

Financing up to 85% of property value.

Apna Sahakari Bank Home Loan Application Process – Step by Step

1. Visit Branch: Locate via apnabank.co.in (Mumbai/Pune/Thane).
2. Fill Application Form: Submit personal and property details.
3. Provide Documents: KYC, income, property papers.
4. Verification: CIBIL check, legal review, site visit.
5. Sanction Letter: Issued in 3-5 days.
6. Disbursal: Sign agreement; funds in 2-3 days.

Apna Sahakari Bank Home Loan Customer Care Number

Service	Contact Details
Customer Care Helpline	022-24102155 / 022-24105261
Email	corporateoffice@apnabank.co.in
Branch Hours	10 AM–5 PM (Mon-Sat)

How to Check Apna Sahakari Bank Home Loan Status

Call customer care at 022-24102155 with reference number or visit branch. Status updates: Submitted, Under Verification, Sanctioned, Disbursed. Email corporateoffice@apnabank.co.in for formal tracking; response within 48 hours.

Frequently Asked Questions (FAQs) on Apna Sahakari Bank Home Loan Interest Rate Calculator Processing Fee Requirements Application Process Customer Care Status

What is the minimum income required for Apna Sahakari Bank home loan interest rate calculator processing fee requirements application process customer care status?

Salaried applicants need ₹20,000+ monthly income; self-employed require 2 years positive ITR. Debt-to-income ratio at 50% determines loan size up to ₹50 lakh. Co-applicants increase eligibility for joint applications.

Can I get a home loan from Apna Sahakari Bank as an NRI?

No, eligibility limited to Indian residents in Maharashtra. NRIs do not qualify under cooperative banking rules. Local residents with valid documents apply easily at branches.

Are there any special schemes like PMAY under Apna Sahakari Bank home loan interest rate calculator processing fee requirements application process customer care status?

Yes, PMAY subsidy for EWS/LIG categories on loans up to ₹9 lakh. Apply at branch with Aadhaar-linked PMAY form; effective rate drops to 2.25%, saving ₹40,000 annually.

How does balance transfer work with Apna Sahakari Bank home loan interest rate calculator processing fee requirements application process customer care status?

Balance transfer not available; top-up loans offered at 9% for repairs. Existing customers with CIBIL 750+ save 0.25% compared to private banks.

Final Thoughts: Making Apna Sahakari Bank Home Loan Interest Rate Calculator Processing Fee Requirements Application Process Customer Care Status Your Smart Choice

With Maharashtra property prices rising 9% in 2025, Apna Sahakari Bank home loan interest rate calculator processing fee requirements application process customer care status offers practical financing for ₹20-50 lakh purchases. Low fees, simple criteria, and local branch support suit first-time buyers. Apply at apnabank.co.in or