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Gramin Abasan Yojana(GAY):

Sr. No.





a. Individual salaried employees, self-employed persons, professional, any other person having a legal, identified and regular source of income.

b. The applicant/s must be 18 years old (completed) as on the date of application.



a) For construction / acquiring of new or existing home/flat not older than 30 years.

b) For extension in the existing home/flat.

c) For repairs/renovation/alteration of existing home/flat.

d) For purchase of Land on which the building is to be constructed.



Maximum Period of 30 years.


Rate of Interest

Housing Loans to NRI

The applicable rate of interest (floating rate) on Gramin Abasan Yojana (HBL GAY) is as under.

The revised rate of interest is applicable to the new accounts as well as all the existing accounts.



Above Rs.25lac up to Rs50 Lac

AboveRs 50 lac to Rs100 lac

a) Upto 5 years

Based on MCLR

Based on MCLR

Based on MCLR

b) 5 to 10 years

Based on MCLR

Based on MCLR

Based on MCLR

c) 10 to 30 years

Based on MCLR

Based on MCLR

Based on MCLR

For details terms and conditions please visit to our nearby branches.

About Us

Uttarbanga  Kshetriya Gramin  Bank, a Regional Rural Bank  sponsored by  Central Bank of India, was established on the 7th March 1977 under the Provision of Section 3(2) of RRB Act 1976 [ 21 of 1976] with equity participation of Government of India (50%), Learn More about us.

Contact Us

Uttarbanga Kshetriya Gramin Bank,
Head office
Sunity Road
Po & Dist : Coochbehar
West Bengal
Pin : 736101
Phone no : 03582 229301/302
Fax : 03582 – 229306
Email : 
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