• All salaried employees with a minimum of 3 years experience.

• Co-borrower will also be salaried class

• Upto the age of 40 years.

• In the case of multiple borrowers whose income has been taken for arriving at the loan eligibility and repaying capacity, one borrower must be at least up to the age of 40 years and others may be maximum upto the age of 45 years.

• Further, where the income of the applicants is not being taken for arriving at the loan eligibility and they are owners/co-owners in the property, they are to be made co-borrowers under this scheme without referring his/her age.

•  Minimum net monthly salary: Rs.35000.

• Individuals from Economically Weaker Section (EWS) & Low Income Group (LIG) category. Joint owners from the same family are also eligible.

• EWS households - Households having an annual income up to Rs.3,00,000 (Rupees Three Lakhs only)and house size with carpet area up to 30 square meters.

• LIG households - households having an annual income above Rs.3,00,000 (Rupees Three Lakhs) and up to Rs.6,00,000 (Rupees Six Lakhs)and house size with carpet area up to 60 square meters.

All Central/ State government Employees/ Defence personnel/Paramilitary forces & pensioners of Central & State government.

• Individuals or groups of individuals (co-borrowers) who have an assured source of regular income viz. Salaried employees, Professionals, Self-employed persons, Businessmen, Farmers etc. 

• Staff members are also eligible.

All Housing loan borrowers including existing/new/take-over cases. Loan is not permitted for any trade/business or any other speculative purposes.

• Individuals or groups of individuals (co-borrowers) who have an assured source of regular income viz. Salaried employees, Professionals, Self-employed persons, businessmen, Farmers etc. 

• Staff members are also eligible.

Applicable only to existing eligible customers.

1. Age: Applicant should be between 21 and 65 years old.

2. Income: Applicants' income and loan requirements will be considered. Other factors such as liabilities, assets owned, and credit score can also influence eligibility.

3. Resident Type: You must be an Indian resident.

1. Age: Applicant should be between 21 and 65 years old.

2. Income: Applicants' income and loan requirements will be considered. Other factors such as liabilities, assets owned, and credit score can also influence eligibility.

3. Resident Type: You must be an Indian resident.

1. Age: Applicant should be between 21 and 65 years old.

2. Income: Applicants' income and loan requirements will be considered. Other factors such as liabilities, assets owned, and credit score can also influence eligibility.

3. Resident Type: You must be an Indian resident.

• Age: 18-65 years at the time of loan sanction, should not exceed 70 years at loan closure.

• Domicile status in the area (No. of years): 3 years.

• Adequate cash flow to meet the proposed loan EMIs.

• Co-applicant is required.

Not specified by the bank.

• Individuals who are Bank’s home loan borrowers (Domestic/NRI).

• Maximum Fixed Obligation to Income Ratio(FOIR) of 60%.

• Customers who have availed home loan and have a regular repayment history of at least 12 months (of both principal & interest).

• In case of a balance transfer, then the repayment history of the previous bank may be taken into consideration towards 12 EMIs.

Resident Indian

• Salaried.

• SENP (Self-employed nonprofessional): - Manufacturers, Traders, Wholesalers, Retailers, Service Providers.

• SEP (Self-employed professionals) Doctors, CA, CS, ICWA, Architect, Engineer, IT enabled professional services, Professional Start-Ups.

• Agriculturist.

• Senior citizen/Pensioner.

• Non-Resident Indian.

• Hindu Undivided Family(HUF).

• The applicant must be an employed individual with confirmed service.

• The applicant must own a house or flat.

• The applicant must be below 55 years of age.

• If in business, three years of standing in the related field.

• Applicant should be salaried employees or self-employed persons or professional or any other person having a legal, identified and regular source of income.

• The borrower be 18 years old (completed) as on the date of application.

• Salaried: Must be confirmed in service

• Self-Employed/ Professional - ITR must be filed in the last 2 years

• Future rental income from the proposed property can also be considered

• Applicant should have an existing home loan from central bank of India.

• Salaried Employee of Private company, Multi-National Company (MNC), Public Sector Unit (PSU), Government.

• 21 to 45 years (should not exceed 70 years at the time of last instalment of the loan).