Information only
Nainital Bank is a private sector bank in the Reserve Bank of India (RBI) list of banks. RBI lists its address as Nainital, Uttarakhand. According to the bank's website, as of 8 November 2026, it was promoted in 1922, and RBI directed Bank of Baroda to manage it in 1973. Bank of Baroda now holds almost all of its shares. The bank's loan page lists retail, MSME and agriculture loans, almost all under its own scheme names, such as Apna Ashiana, Naini Vyapar Suvidha and Gyani. This page is an information summary, not an offer, and it does not compare Nainital Bank with other lenders.
Loans it offers
Loans Nainital Bank lists
| Loan | What to know |
|---|---|
| Home loans | Apna Ashiana is the bank's housing scheme. It also lists a Naini Home Improvement Loan, a Naini Home Top Up Loan and a Naini Residential Rooftop Solar Scheme. |
| Loans against property | The Finance Against Immovable Property Scheme lends against property you own. A separate scheme finances against future rent receivables. |
| Business and MSME loans | Schemes include Naini Vyapar Suvidha, Naini Commercial Vehicle, Naini Hotel Nirman, Naini Health Care and a scheme for government contractors. |
| Gold loans | Listed as Naini Aura Gold Loan. |
| Education loans | Listed as Gyani, the bank's education loan scheme. |
| Agriculture loans | The bank lists Kisan Credit Card schemes, a poultry overdraft scheme, finance against warehouse receipts and finance for rice seed units. |
| Other retail schemes | The bank also lists Naini E Vehicle Scheme, Suhana Safar and Naini Sahyog. Ask the branch what each covers. |
How these loans work, on LOANZ 360: home loans, loans against property, MSME loans, gold loans, education loans, agriculture loans. The bank does not name a personal loan scheme on the page we read, so none is linked here. Suhana Safar is listed as its car loan scheme. The bank's own website is the record of its current products, eligibility and terms.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, as listed by RBI |
| Registered office (RBI listing) | Nainital, Uttarakhand |
| Established | 1922; the bank's website says it has served customers for over a century |
| Ownership | Bank of Baroda holds almost all of the shares; the rest is held by others |
| Management by Bank of Baroda | From 1973, when RBI directed Bank of Baroda to manage the bank, according to the bank's website |
As of 8 November 2026, RBI lists Nainital Bank as a private sector bank, and the bank's website describes more than a century of operation in Uttarakhand.
Before you apply
- Nainital Bank names most products with its own scheme titles. Quote the exact scheme name when you ask for terms, so the branch gives you the right document.
- Ask for the Key Fact Statement (KFS) and compare the annual percentage rate (APR) with other offers.
- Scheme eligibility often depends on your trade, location or asset. Ask for the scheme's written criteria before you collect papers.
- For a rooftop solar loan, ask which installations and vendors the bank accepts.
Processing, foreclosure and penal charges are set by the lender; ask for them in writing. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it. You can compare published rates on the interest rates page.
See interest rates and the full lenders list before you choose. The label on this page, lending partner or information only, is drawn by the site from live data. If the lender is shown as information only, apply on the bank's own website.
Last updated 12 Nov 2026