CSB Bank Plot Loan

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      CSB Bank Plot Loan Features

      The Interest Rate 7.20% p.a.
      Time Period Up to 20 years
      Loan to Value Up to 70%
      Processing Fees Up to 0.5% of the loan amount

      Eligibility criteria for CSB Bank Plot Loan

      • Must be of Indian Nationality or Non-Resident Indians.
      • Age should be up to 65 years.
      • Must have a good salary or income.

      Benefits of CSB Bank Plot Loan

      CSB Bank plot loan
      • It can be found by living and non-living Indians (NRIs).
      • Grants can be obtained under Pradhan Mantri Awas Yojana (PMAY).
      • There is no advance payment or cancellation fee.
      • A period of up to 20 years.
      • Attractive interest rates.

      Plot Loan

      CSB Bank offers plot loans for both salaried and self-employed people, Plot loans from CSB bank can be used to finance or invest in lands in India.

      1. Tenure

      The time period for the CSB Bank plot loan will be 20 years.

      2. Prepayment Fine

      No pre-payment charge is taken by CSB Bank for single applicants.

      3. Loan to Value Ratio‭ (‬LTV‭)‬

      According to the documents the LTV provided by CSB Bank 70%.

      4. Tax Benefits

      For CSB Bank plot loan there will be no tax benefits.

      Types of CSB Bank  Plot Loan

      CSB Bank  Plot loan

      This plot loan is to be provided to the applicants who need funds to purchase a particular plot.

      CSB Bank  Plot with Construction Loan

      This type of loan is taken by applicants when they plan to purchase a plot and then construct a resident over the plot.

      CSB Bank  plot loans for self-employed

      Type of plot loans self-employed

      TruFixed plot Loan – 2 Year Fixed Rate Vary
      In TruFixed plot Loan by CSB Bank, for a period of 2 years, fixed-rate will be provided after that it will get converted into a variable-rate.

      Adjustable-rate loan
      In this loan by CSB Bank, the EMI and principal rates change every 6 months.

      CSB Bank Plot Loan Interest Rates For self-employed Non – Professionals

      CSB Bank  Adjustable Home Plot Loan

      Loan Plot Loan Interest Rate (%)
      women (up to 30 lakh) 7.20 to 7.55
      others (up to 30 lakh) 7.10 to 7.60
      women (above 30 lakh) 7.30 to 7.80
      others (above 30 lakh) 7.35 to 7.85
      Women (75.01 Lakhs & Above) 7.40 to 7.90
      Others (75.01 Lakhs & Above) 7.45 to 7.95

      CSB Bank  TruFixed Loan – 2 Year Fixed Rate Variant

      Loan Plot Loan Interest Rate (%)
      Women (upto 30 Lakhs) 7.50 to 8.00
      Others (upto 30 Lakhs) 7.55 to 8.05
      Women (Above 30 Lakhs) 7.65 to 8.15
      Others (Above 30 Lakhs) 7.70 to 8.20
      Women (75.01 Lakhs & Above) 7.75 to 8.25
      Others (75.01 Lakhs & Above) 7.80 to 8.30

      CSB Bank Plot Loan Interest Rates For self-employed professionals

      CSB Bank  Adjustable Rate Plot Loan

      Loan Plot Loan Interest Rates (%)
      Women (upto 30 Lakhs) 7.20 to 7.70
      Others (upto 30 Lakhs) 7.25 to 7.75
      Women (Above 30 Lakhs) 7.45 to 7.95
      Others (Above 30 Lakhs) 7.50 to 8
      Women ( 75.01 Lakhs & Above) 7.55 to 8.05

      CSB Bank  TruFixed Loan – 2 Year Fixed Rate Variant

      Loan Plot Loan Interest Rates (%)
      For Women (up to 30 Lakhs) 7.65 to 8.15
      For Others (up to 30 Lakhs) 7.70 to 8.20
      For Women (Above 30 Lakhs) 7.80 to 8.30
      For Others (Above 30 Lakhs) 7.85 to 8.35
      For Women ( 75.01 Lakhs & Above) 7.90 to 8.40
      For Others ( 75.01 Lakhs & Above) 7.95 to 8.45

      CSB Bank Plot Loan documents required for both self-employed Professionals and Non-Professionals

      Requirements For Self Employed Individuals
      Proof of Identity PAN Card, Passport
      Proof of address Aadhar Card, Electricity/ Mobile Bill
      Financial proof – ITR
      – Business details, P/L statement from the business.
      Other Documents – All the plot documents

      CSB Bank Plot loan fees and charges for self-employed

      Processing fee

      Up to 0.5% will be charged.

      Prepayment charges

      Adjustable-Rate Home Loans
      – No prepayment needed

      – The customer will be required to submit documents that CSB Bank deems appropriate and appropriate to verify the source of the loan at the time of the payment.
      Fixed-Rate Home Loans
      – No advance payment is required for any partial/full payment made by your sources i.e, other banks or financial institutions
      – The customer must submit documents that City Union Bank Bank deems appropriate and appropriate to determine the source of funding.
      Fixed and Variable Rate Loans
      During the period of Fixed-Rate:
      – The client must submit documents approved by CSB Bank to verify the source of the money during the repayment of the loan in advance.

      During the Variable Rate:
      – No prepayment will apply.
      – The prepaid amount shown will apply on the date of the loan agreement.

      The Conversion Fees

      Name of the Service Name of the charge/fee levied When payable Frequency Amount
      Switch to a lower rate in Variable Rate Loans Conversion fees On conversion On every spread change A cap of up to 50% of the original outstanding and the stipulated amount at the time of conversion or whichever is lower is Rs. 50,000,000 tax.
      Switching to Variable Rate Loan from Fixed Rate Loan Conversion fees On conversion Once A cap of up to 50% of the original outstanding and the stipulated amount at the time of conversion or whichever is lower is Rs. 50,000,000 tax.
      Switching from Trufixed Fixed Rate to Variable Rate Loan Conversion fees On conversion Once 1.75% original arrears and tax in excess of the undisputed amount at the time of conversion.
      Switch to Lower Rate Conversion fees On conversion On every spread change Half of the spread difference on principal dues and unspecified amount plus taxes with a minimum fee of 0.5% and a maximum fee of 1.550%.
      Switch to Lower Rate Conversion fees On conversion On every spread change 0.5% of tax in excess of the original outstanding and undisputed amount at the time of conversion.

      Cheque dishonor charges

      Not more than Rs 200.

      Fees on Account of External opinion

      Depending on the type of support provided, advocates and charges may be paid directly to the person concerned

      Property insurance

      The customer should remain active throughout loan term during by paying the premium.

      Statutory/regulatory charges

      Stamp duty and MOE for CSB Bank Plot loan will be paid by the borrower.

      List of documents

      Not more than Rs.500

      Photocopy of documents

      Not more than Rs.500

      Increase/decrease in loan term

      Not more than Rs.500

      Disbursement Cheque cancellation charge post disbursement

      Not more than Rs.200

      Re-appraisal of loan

      Not more than Rs.2000

      PDC swap

      Not more than Rs.200

      CSB Bank plot loans for salaried individuals

      Who can apply CSB Bank plot loans for salaried individuals?

      Loan Maximum Amount(in %)
      Up to Rs.30 lakh up to 80%
      Rs.30.01 lakh to Rs.75 lakh up to 80%
      Over Rs.75 lakh up to 75%

      Type of plot loans for salaried individuals

      TruFixed plot Loan – 2 Year Fixed Rate Vary
      In TruFixed plot Loan by CSB Bank, for a period of 2 years, fixed-rate will be provided after that it will get converted into a variable-rate.

      Adjustable-rate loan
      In this loan by CSB Bank, the EMI and principal rates change every 6 months.

      CSB Bank plot loan interest rates for salaried individuals

      Adjustable Home Rate Loan

      Loan Loan Interest Rates (in %)
      Women (Upto 30 Lakhs) 7.20 to 7.55
      Others (Upto 30 Lakhs) 7.10 to 7.60
      Women (Above 30 Lakhs) 7.30 to 7.80
      Others (Above 30 Lakhs) 7.35 to 7.85
      Women (75.01 Lakhs & Above) 7.40 to 7.90
      Others (75.01 Lakhs & Above) 7.45 to 7.95

      TruFixed Loan – 2 Year Fixed Rate Variant

      Loan Loan Interest Rates (%)
      For Women (upto 30 Lakhs) 7.50 to 8
      For Others (upto 30 Lakhs) 7.55 to 8.05
      For Women (Above 30 Lakhs) 7.65 to 8.15
      For Others (Above 30 Lakhs) 7.70 to 8.20
      For Women (75.01 Lakhs & Above) 7.75 to 8.25
      For Others (75.01 Lakhs & Above) 7.80 to 8.30

      CSB Bank plot loan documents required for salaried individuals

      Requirements For Salaried Individuals
      Proof of Identity PAN Card, Passport
      Proof of address Aadhar Card, Electricity/ Mobile Bill
      Financial proof – Must have last 6-month salary slips
      – Credit score
      Other Documents – All the plot documents

      CSB Bank plot loan fees and charges for salaried individuals

      Processing fees

      Up to 0.5% will be charged.

      Prepayment charges

      Adjustable-Rate Home Loans
      – No prepayment needed

      – The customer will be required to submit documents that CSB Bank deems appropriate and appropriate to verify the source of the loan at the time of the payment.
      Fixed-Rate Home Loans
      – No advance payment is required for any partial/full payment made by your sources i.e, other banks or financial institutions
      – The customer must submit documents that CSB Bank deems appropriate and appropriate to determine the source of funding.
      Fixed and Variable Rate Loans
      During the period of Fixed-Rate:
      – The client must submit documents approved by CSB Bank to verify the source of the money during the repayment of the loan in advance.

      During the Variable Rate:
      – No prepayment will apply.
      – The prepaid amount shown will apply on the date of the loan agreement.

      Conversion fees

      Name of the Service The charge levied When payable Frequency Amount (in Rs.)
      Switch to lower rate in Variable Rate Loans Conversion fees On conversion On every spread change A cap of up to 50% of the original outstanding and the stipulated amount
      Switching to Variable Rate Loan from Fixed Rate Loan Conversion fees On conversion Once A cap of up to 50% of the original outstanding and the stipulated amount
      Switching from Trufixed Rate to Variable Rate Loan Conversion fees On conversion Once 1.75% original arrears and tax
      Switching to Lower Rate Conversion fees On conversion On every spread change A min. fee of 0.5% and a max. fee of 1.550%.
      Switching to Lower Rate Conversion fees On conversion On every spread change 0.5% of taxes

      Cheque dishonor charges

      Not more thanRs 200.

      Fees on Account of External opinion

      Depending on the type of support provided, advocates and charges may be paid directly to the person concerned

      Property insurance

      The customer should remain active throughout loan term during by paying the premium.

      Statutory/regulatory charges

      Stamp duty and MOE for CSB Bank Plot loan will be paid by the borrower.

      List of documents

      Not more than Rs.500

      Photocopy of documents

      Not more than Rs.500

      Increase/decrease in loan term

      Not more than Rs.500

      Disbursement Cheque cancellation charge post disbursement

      Not more than Rs.200

      Re-appraisal of loan

      Not more than Rs.2000

      PDC swap

      Not more than Rs.200

      How to apply for CSB Bank  Plot Loan With DialAbank

      • For applying CSB Bank Plot Loan with Dialabank.
      • You just have to fill the form on the Dialabank webpage with the required documents.
      • We’ll get in touch with you after you have submitted the form.
      • If facing any issue throughout you can call- 9878981144.

      Additional tips to get CSB Bank  Plot Loan Easily

      • Always have your salary slips and income statements for the last 3 years at least.
      • Provide good quality plot documents.
      • Fill the form with genuine details.

      CSB Bank  Plot loan with Construction vs Home Loan

      Parameters Plot Loan with Construction Regular Home Loan
      Tenure ‬Up to 15‭ ‬years Up to 30 years
      Prepayment fine Free Free
      Loan to Value (LTV) up to 70% up to ‬90%‭
      Plot with Construction Loan interest rates The rates are similar to a home loan but can go higher. Start at 6.80%*
      Tax Benefits Eligible after the construction of a building or home on the plot Home loan owners are eligible.

      FAQ’s

       What is the Plot loan interest rate in the CSB Bank?

      The CSB Bank plot loan starts at 7.20%.

       What is a CSB Bank Plot Loan?

      CSB Bank offers plot loans for both salaried and self-employed people, Plot loans from CSB bank can be used to finance or invest in lands in India.

       How much processing fee is applicable to the CSB Bank Plot loan?

      CSB Bank charges up to 0.50% of the loan amount.

       What is the loan tenure of the CSB Bank Plot loan?

      The CSB Bank plot loan tenure be up to 20 years.

       How much EMI per Lakh can be fixed on CSB Bank Plot Loan?

      The CSB Bank plot loan EMI per Lakh is ₹ 890.

       How can I avail plot loan from CSB Bank?

      You can avail CSB Bank plot loan only after the eligibility criteria of the bank is passed by you.

       How to Apply for a CSB Bank Plot loan?

      Please visit the website of CSB Bank to understand the application process or you can just call Dialabank at 9878981166.

       How to repay the CSB Bank plot loan earlier than the schedule?

      Visit the CSB Bank website and check if you are eligible for the earlier payment.

       Is it possible to repay my loan earlier than the schedule?

      Yes, you can repay your loan earlier than the schedule for the CSB Bank plot loan.

       How to check CSB Bank + Plot Loan eligibility?

      Please check the eligibility requirements mentioned on the Dialabank website or the website of the CSB Bank.

       What is the CSB Bank Plot loan phone number?

      For a CSB Bank Plot loan, you only have to call – 9878981166.

       What is the CSB Bank plot loan interest rate for women?

      For women, the CSB Bank plot loan interest rate starts from 7.20% – 8.80%. 

       What is the CSB Bank plot loan interest rates for salaried individuals?

      CSB Bank plot loan interest rate for Salaried Individuals – 7.20% – 9.05%.

       What is the CSB Bank plot loan interest rates for self-employed individuals?

       CSB Bank plot loan interest rate for Self-Employed – 7.20% – 9.05%.

       What is CSB Bank plot loan interest rates for self-employed non-professionals?

      CSB Bank plot loan interest rate for Self-Employed Non-Professionals – 7.20% – 9.05%.

       How is a plot loan different from a home loan?

      Few differences:

      • Tax benefits for CSB Bank Home loan owners but no tax benefits for CSB Bank plot loan.
      • Usually, the LTV in CSB Bank plot loan is 70% and CSB Bank home loans can be 90%.

       Can I take a plot loan along with a home loan?

      No, multiple loans are not allowed for CSB Bank.

       What is the maximum amount that I can take as a loan?

      The maximum loan amount is determined by the CSB Bank after checking your land documents.

       Can a plot loan finance an investment in any plot, anywhere?

      Yes, a CSB Bank plot loan can be used to purchase land anywhere in India.

       What is a Balance Transfer on Plot Loan?

      Balance Transfer for CSB Bank plot loan helps you lower your EMIs by transferring your remaining loan to other financial institutions to one that offers a lower interest rate.

       Do I get any tax benefits on a plot loan?

      Not at the moment.

       How many years can I keep the plot of land before starting construction?

      For CSB Bank plot loan with Construction please check with the CSB Bank by calling Dialabank at 9878981144.

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