Internet Banking

At Cosmos Bank, we are committed to helping you meet all your banking needs to the best of our ability. You can access internet banking portal of our website at any hour of the day. There are no fixed timings to use the facilities. Moreover, enjoy the luxury of getting all the work accomplished at the comfort of your home or office, at any hour that is preferable for you

LOGIN

Plot No-6, S.No-132/B, ICS Colony, Ganeshkhind Road, Pune
+91-20-67086708

Call Toll Free

1800 233 0234

customercare@cosmosbank.in

Weekdays 10 AM to 6 PM

Sunday : Closed

Attactive Features of Cosmos Home Loan
Fast Processing
Easy and immediate processing of the loan
ROI
Interest levied on daily reducing balance.

Cosmos Home Loan Scheme

Loan sweet loan!

Roti. Check. Kapda. Check. Makaan. Also check…. Make your dream easy with Cosmos Home Loan. Cosmos offers a repayment period of 20 years for the purchase of flat, row houses or even to construct your dream home. Attractive ROI and loan margins and loan charges makes this scheme by far the best bet at realizing your dream home.

Owning a home is an achievement of a lifetime. You will only really buy it once, and it has to be absolutely perfect; anything less just won’t do.

At Cosmos Bank, we understand exactly how much it means to have your own home.

The Cosmos Home Loan Scheme is designed just so you can get that perfect home you always wanted, at a price that you can afford; all with minimum amount of fuss and maximum comfort.

Loan Highlights
  • Loan Limit
    Upto Rs. 70 Lacs only
  • Rate of Interest
    Upto Rs 70.00 Lakhs
    Loan Amount ROI (p.a.) CIBIL Score
    6.70% Above 800
    6.90% Above 750 to 800
    7.00% Above 700-750
    7.25% Below 700
    (with Deviations allowed)
  • Time of Disbursement
    Easy and immediate processing of the loan
  • Repayment Period
    Repayment period for Home Loan will be 20 years. In case of takeover, unexpired period or 20 yrs; whichever is less.
  • Prepayment Charges
    No Charges
Loan Charges
  • Upto Rs. 10 Lacs
    1% of loan demand + GST
  • Above Rs. 10 Lacs
    0.50% of loan demand + GST
Foreclosure Charges
  • Floating ROI
    No foreclosure charges*
  • Floating ROI
    @1% on loan outstanding balance** upto 3 years No foreclosure charges after 3 years
Eligibility
  • Please contact the branch for information
Facility
  • Equitable mortgage of house property
  • Comprehensive Insurance cover of the flat/property as per bank’s policy.
Documents Required
  • Latest Photograph, Photo Identity Proof, Residence proof of the Applicant and Guarantors/li>
  • In case of salaried person, salary slips for last 3 months and bank statement for last 6 months.
  • ITR for 3 years In case of businessman, last 2 years profit & loss, ITR copies of last 3 years, balance sheet and bank statement of business account for last 6 months.Legal Documents required for creating mortgage.

Get In Touch

Our Expert will call you back on the number provided by you within 24-48 hours to assist you further. Thank you for your interest in Cosmos Bank

Ideal for people
  • For purchase of Flat
  • Row Houses
  • Construction of Houses
Good to Know
  • Subsidy: Pradhan Mantri Awas Yojana Interest Subsidy Scheme. Maximum Subsidy of Rs. 2.67 Lakh.
  • Loan Margin
    For new flat:
    Loan will be extended up to 80% of the total value of the flat including registration, stamp duty, processing fee, share money, mortgage expenses, etc.

    For Resale flat:
    Maximum upto 70% of agreement cost or valuation whichever is less. (In resale flat property age shall not be more than 20 yrs).
  • Guarantors: Two guarantors acceptable to the Bank will have to be provided. All title documents required.
  • Form: Form Available on Online Form Centre