HOME LOAN
Product Features
- Home Loan up to ₹40 Lakhs
- Flexible tenure up to 20 years
- Minimal documentation and faster approvals
- Facility of choosing fixed and floating interest rates
- Benefits of CLSS as per PMAY available
Eligibility & Loan Criteria
- Home Loan can be availed by salaried individuals, self-employed individuals and self-employed professionals
- Home Loan can be offered to residents of Rajasthan only
- Guarantee of one person required
- Minimum age at loan sanction - 25 years
- Maximum age at loan maturity - 65 years or super-annuation whichever is earlier
- Business continuity of last three years
List of Documents Required
- PAN Card - For Individual / Partnership Firm
- Identity Proof - Voter ID / Driving License / Passport
- Address Proof - Voter ID / Driving License / Passport / Telephone Bill / Electricity Bill / Registered Lease Deed / Bank Statement
- Business Continuity Proof - Document dated 5 years old (Bank Statement / Sales Tax Challans / IT Returns / Shops & Establishment Certificate / Partnership Deed)
- Passport Size Photographs
- Any other valid Photo ID card issued by central or state government
- Original documents of property
For Salaried Individuals
- Last 3 years Income Tax Returns
- Latest 3 month salary slip or latest Form 16 issued by the employer
For Self Employed Individuals
- Latest audited ITR and financials for last 3 years (Balance Sheet, Profit & Loss Account, Computation of Income)
- Bank statements from the borrower’s main account for last 6 months
- 3 months statements of other bank accounts mentioned in the balance sheet
For Self-Employed Professionals
- Latest audited ITR and financials for last 3 years
- Bank statements from main account for last 6 months
- Professional qualification and degree certificates (Doctors, Architects, Chartered Accountants etc.)