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


Plot No-6, S.No-132/B, ICS Colony, Ganeshkhind Road, Pune

Call Toll Free

1800 233 0234

Weekdays 10 AM to 6 PM

Sunday : Closed

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

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. 140 Lacs only
  • Rate of Interest (FLOATING ROI) W.e.f. 24.05.24
    Upto Rs 35.00 Lakhs –
    7.95% CIBIL Score Above 800
    8.30 % Above 750 to 800
    8.65 % Above 700-750
    9.20% Below 700 (with DEviation)
    Above Rs 35.00 to Rs. 70.00 Lakhs-
    8.35 % CIBIL Score Above 800
    8.70 % Above 750 to 800
    9.05 % Above 700-750
    9.45 % Below 700 (with deviation only)
    Home Loan above Rs 70.00 to Rs.
    140.00 lakhs –
    8.85% CIBIL score Above 800
    9.10% Above 750 to 800
    9.35% Above 700-750
    9.85% Below 700 (with deviation only)
  • 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
Process Charges
  • Upto Rs. 35  Lacs (Priority Sector/ Non- Priority Sector) -  1% + GST of loan demand + GST
  • Above Rs. 35 Lacs -  0.50% + GST of loan demand + GST
Foreclosure Charges
  • Nil
  • Please contact the branch for information
  • 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
  • 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 at Branches