Look at nationalized banks. Corporation Bank, SBI, Indian Bank, State Bank of Travancore. These guys have decent rates, are flexible with the partial repayments, have low penalty for preclosure. Only problem is they ask for a lot many documents than the Private banks and might take a bit more time. Its better to talk to people at the bank itself. If you know anyone in the banking circles get them to come with you. Bankers generally respect other bankers/ex-bankers. :-)
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