RBI License No. : UBD.RAJ 1117P    GST No. : 08AAAAT3808N2Z5
Udaipur Mahila Samridhi Bank Logo
The Udaipur Mahila Samridhi
Urban Co-operative Bank Ltd.
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Latest Updates
09 MAY 2026 Udaipur Mahila Samridhi Urban Co-operative Bank Ltd. was honored with the "Best Digital Bank Award" at the prestigious All India Co-operative Banking Summit & Awards organized by Crest Infomedia in Pune.
09 Oct 2018 The Bank provides complete digital banking solutions including RTGS / NEFT, RuPay ATM Debit Cards with Contactless Facility, IMPS, UPI, POS / E-Commerce Transactions and BBPS Services for secure, fast and convenient banking experience.
19 Nov 2017 Mobile Banking Services are available for both Android and iOS platforms, offering customers seamless access to fund transfers, balance enquiry, bill payments and digital banking facilities 24x7.
18 Sept 2025 Udaipur Mahila Samridhi Urban Co-operative Bank Ltd. received prestigious FCBA Awards for excellence in Core Banking Solutions (CBS), Data Management, Leadership and Mobile Banking Services.

Mortgage Loan / Loan Against Property

The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd. offers Mortgage Loans against residential and commercial properties to support personal, business, and financial requirements with flexible repayment options and attractive interest rates.

Mortgage Loan

Unlock Financial Support Against Your Property

The Bank provides Loan Against Property facilities for personal, business, professional, and emergency financial requirements against equitable mortgage of property.

Mortgage Loans are available with convenient repayment periods, transparent processing, and flexible eligibility assessment.

Loan eligibility depends upon repayment capacity, annual income, property valuation, and applicable Bank norms.

Key Features & Benefits

Loan Against Property

Financial assistance against residential and commercial property mortgage.

Flexible Loan Amount

Loan eligibility based on realizable property value and repayment capacity.

Long Repayment Tenure

Convenient repayment options up to 180 months.

Income Clubbing Facility

Income of eligible family co-borrower can be clubbed for higher eligibility.

Simple Documentation

Easy and transparent documentation process for customers.

Quick Processing

Faster verification and timely loan disbursement process.

Mortgage Loan Details

Loan Type Loan Amount Interest Rate Repayment Period
Loan Against Property Up to ₹5 Lakhs 11.00% 84 Months
  Above ₹5 Lakhs to ₹10 Lakhs 11.00% 120 Months
  Above ₹10 Lakhs 11.50% 180 Months
Old Limit Renewal Up to ₹125 Lakhs 11.00% One Year

Eligibility Criteria

  • Major owner of the property must be the borrower lady or her spouse.
  • Income of co-borrower / family member can be clubbed for loan eligibility.
  • Loan eligibility depends upon repayment capacity and annual income.
  • Property valuation by Bank-approved valuer is mandatory.
  • Legal verification and documentation are compulsory.

General Conditions

  • Two references who know the borrower are mandatory.
  • Maximum limit recommendation is restricted up to 85% value of plot as per DLC Rate / realizable value along with other eligible criteria.
  • Maximum loan eligibility is restricted up to 400% of annual income of eligible earning members and also depends upon repayment tenure.
  • Valuation of the property shall be conducted by the Bank.
  • Loan sanction and disbursement shall be subject to Bank norms and verification.

Documents Required

Identity Proof

Aadhaar Card, PAN Card, Passport, Voter ID, etc.

Address Proof

Aadhaar Card, Utility Bill, Passport, etc.

Income Proof

Salary Slip, ITR, Bank Statement, Business Proof, etc.

Property Documents

Registry papers, title documents, approved map, valuation papers, etc.

Important Information

Mortgage Loan sanction and disbursement are subject to eligibility, repayment capacity, legal verification, property valuation, documentation compliance, and applicable rules of The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.