• To provide hassle free housing loans to farmers and other rural dwellers.
• To construct new house including the cost of work shed for pursuing income generating activities viz dairy shed etc.
• Renovation or repair of existing house.
• Extension of existing house.

• Age : 18-50 Years.
• All villages excluding 1/70 areas where agency act is applicable and semi urban areas where the population does not exceed 50000 as per 2001 census.
• All farmers, entrepreneurs, artisans, business people, employees etc. Members of SHGs having standard asset borrowable accounts are also eligible
• CIBIL Score: should not be less than 700.

Salaried Class:

• Form-16 or ITR for last two years.
• Last 6 months Salary slips/ Salary Certificate

Non-Salaried Class:

• I.T. Returns for last three years
• Regular source of income to meet the monthly repayment obligation will be considered.
• For Businessman*: Debit and credit summations in the Bank account should be minimum 50% of the purchases / sales reflected in P&L account, provided they are not having GSTN

For Agriculturist:

• Income Certificate based on the nature of the activity (e.g. farming, dairy, poultry, orchards, etc.), land holding, cropping pattern, yield etc. from the competent authority

Note: Income of spouse / children / parents / siblings:

Interest rate starts from 8.75 %* P A..

* Interest rates are subject to revision from time to time.

Permissible Loan limit:

• For construction of new house up to Rs.10.00 lakh*
• For repairs/renovation up to Rs.3.00 lakh.

For Documents Required - Click Here

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Equitable/Registered mortgage of house or any other tangible security including agriculture land to cover 100% of loan amount.