Every existing public sector (PSU) bank in India, and only these. Open a bank to see its loan categories and the documents it typically asks for.
All twelve are government-owned. The best one for you depends on four things.
Ask each bank which rate band your score falls in. The same score can land in different bands at different banks.
Compare processing fee, valuation and legal charges, insurance requirements and any part-payment or closure charge.
You will visit the branch for verification and for later requests. A branch close to home or work saves time every time.
A salary or savings account with the bank can speed up checks and may help in negotiation.
Loan approval, the interest rate and the final terms are decided by the bank after its own checks. Rates and charges change, so confirm the current figures with the bank before you sign.
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