| Frequently Asked Questions By Customers |
| Q. I need to open a bank account. Which account suits me best ? |
| A. Savings accounts are useful for putting in and withdrawing funds from time to time and the passbook can be helpful for identification /address proof. However when you need to put funds aside for some time, the Fixed Deposit type will earn better interest. If interest is required each month then choose a Monthly Income Scheme. Recurring deposits are good for saving regularly every month or pigmy deposits are good for regular daily savings. |
| Q. Is there an option under home loan where I can pay smaller EMIs in the initial years and gradually increase the EMI value? |
| A. Yes. Home Loans gives you flexibility in repayment which gives you the option to pay smaller EMIs in the initial years and increase the value in later years. |
| Q. Can I get loan for purchasing old vehicle? What are the details of installment and maximum amount? |
| A. Yes. You can get a loan on vehicle which is maximum 3 years old. There are maximum 36 installments for old vehicle and you can get maximum amount upto 50% of valuation amount. |
| Q. If I want a loan for construction of a house and completed all the documents formality, then any extra security needed? |
| A. If the house/ flat proposed to be purchased, is yet to be constructed or is under construction, interim security may be required (till the period of its completion) |
| Q. Every time I need to check balance, should I visit the branch ? |
| A. No, you can check your balance by calling our helpline numbers of our branches. |
| Q. I have a loan already running in Dhanvantari Patsanstha, Am I eligible for other/personal loan? |
| A. Yes, subject to the repayment record on the present loan. We will also need to check your repayment capacity ,whether you meet the norms,and whether additional security will be necessary. |
| Q. How do I find the addresses and contact details for Branches etc. ? |
| A. Clik on Braches option. You will get all the information of branches. Or you can use Google Map to find roads, nearest place etc. |
