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Affordable Housing Loan

Product Features

  • Home loan upto Rs. 30 Lacs (for purchase, self construction, plot purchase + construction, extension, repair or renovation of a dwelling unit)
  • Balance Transfer of existing home loan at attractive interest rate and Top up thereon
  • Flexible Tenure of upto 20 years for home loan and 15 years for Top-up on existing loan
  • Minimal documentation and faster approvals
  • PMAY subsidy ^upto Rs. 2.67 Lacs*

Eligibility & Loan Criteria

  • Affordable Home Loan can be availed by salaried individuals, self-employed individuals and self-employed professionals
  • Borrowers to be Indian residents only
  • Minimum net salary / net business income of Rs. 7,000/- per month
  • Maximum age at time of loan maturity for income earning applicants – Salaried 60 years and Self Employed 65 years

List of Documents Required

  • PAN Card – For Individual / Partnership Firm / Company 
  • Identity Proof – Any one (e.g. Aadhar card / Voter ID / Driving License / Passport / Job card issued by NREGA duly signed by an officer of the State Government) 
  • Address Proof – Any one (e.g. Aadhar card / Voter ID / Driving License / Passport / Telephone Bill / Gas bill / Water bill /Electricity Bill / Registered Lease Deed or Sale Agreement / Property tax receipt / Bank Statement)
  • Business Continuity Proof – Any one document dated 3 years old (Bank Statement / Sales Tax Challans / IT Returns / Shops & Est. Certificate / COI / Partnership Deed)
  • Passport Size Photographs 
  • Signature Proof – as per signature on PAN card / passport · Any other valid Photo ID card issued by central or state government

List of Financial Documents RequiredFor Salaried 

  • Salary slip / Salary certificate for last 3 months or Bank statement showing salary credit for last 3 months and / or ITR / Form 16 for latest year 
  • Updated bank statement of the borrower’s main account for last 6 months 

For Self-Employed Individuals

  • Latest Year ITR with financials and / or GST returns 
  • Updated bank statement of the borrower’s main account for last 6 months reflecting business credits 

For Self-Employed Professionals

  • Latest Year ITR with financials and / or GST returns 
  • Updated bank statement of the borrower’s main account for last 6 months reflecting business credits 
  • Professional qualification certificate and Degree certificate for professionals (Doctors, Architects, Chartered Accountants etc.)