• Purchase of a ready built house/Flat/ Flat under Construction
• Construction of house
• Purchase of Site & Construction of House thereon

• Female ownership mandatory
• Annual household income up to ₹ 9 Lakh.
• Maximum loan amount up to ₹25 lakh.
• Maximum Property Value (Land + Building) up to ₹35 lakhs
• Maximum Carpet area of 120 square meter (1291.67 square feet)
• Property should be located in Statutory cities/Towns notified as per census 2011/towns notified subsequently and areas falling within the boundary of Notified Planning Areas.

Minimum 15% of the property value

As per prevailing card rate

• Equitable mortgage of the property being financed.
• Collateral: on case-to-case basis.

As applicable to Individual Housing loans based of borrower category

• All eligible beneficiaries (including family members) should have an Aadhar/ Aadhaar Virtual ID integrated with the details of beneficiaries.
• Only resident Individuals are eligible
• House purchased/constructed should consist of 1 Dwelling unit only and shall be used only for residential purpose

• Subsidy Benefit up to ₹ 1.80 Lakh
• No Processing Fee up to ₹ 8 Lakh loan amount
• Subsidy amount reduces the total Loan outstanding
• Tenure/EMI Reduction Benefit
• Empowering women through home ownership