The SBI Shaurya Home Loan is specifically designed for personnel serving in the Indian Armed Forces. Here's a breakdown of the eligibility criteria:

Personnel Eligibility:

• Being in active service: Army, Navy, Air Force, Coast Guard, or Assam Rifles personnel currently serving are eligible.

• Retired personnel: Ex-servicemen within 5 years of retirement are also eligible.

• Widows of war heroes: Widows of personnel who died in action are eligible.

• Indian Coast Guard personnel

General Eligibility:

• Minimum Age: 21 years at the time of applying.

• Maximum Age: 55 years at the time of maturity of the loan.

• Minimum Income: Varies depending on your rank and location. Generally, starts from around ₹40,000 per month.

• CIBIL Score: Minimum score of 650 is preferred.

• Debt-to-Income (DTI) Ratio: Not exceeding 50%.

Additional Criteria:

• Loan Amount: Maximum loan amount depends on your net income, rank, and location. 

• Loan Tenure: Up to 30 years.

• Pre-payment: No charges for pre-payment.

Documents Required:

• Duly filled loan application form.

• Employer Identity Card.

• Proof of Identity (PAN Card, Passport, Driver's License, Voter ID card).

• Proof of Residence (Recent utility bill, Aadhar card).

• Salary Slips/IT Returns for the last 3 years.

• No Objection Certificate (NOC) from employer.

• Property documents.

Note: These are general guidelines, and the specific eligibility criteria may vary depending on individual circumstances. It's always best to contact SBI directly or visit their website for the most up-to-date information.