Hello Pradipta, I think u sud opt for getting a bank loan for buying the apratment. U may be paying an interst abt 11%. U will get a lot benifit in income tax deduction or this which eventually reduce ur burden. U can put ur savings in good bank fixed deposite & other instruments (like mutual fund, equity etc.) as per ur convenience. A bank fd will earn u around 9%. So, difference interest between ur loan & fd will be around 2% which will be cover up with ur income tax benifit. For getting loan, u can discuss with all leading financial institution - ICICI bank, HDFC, HDFC bank, LICHF, SBI etc. & choose from the best one for u.
