Home Loans Made Intelligent

• Latest 6 months bank statement (SBI account preferred)
• Salary slips for the last 3 months
• Form 16 or IT returns for the last 2 years
• Appointment letter / employment proof

Plus the common set: KYC, income proof, bank statements, property papers.

• PMAY-U 2.0

  Interest subsidy for first-time home buyers in selected LIG/EWS/MIG segments, subject to government guidelines.

• Special rates for women borrowers

  Concessional spread for sole or first women applicants on select retail home loan products.

• Salary slips for last 3 months
• Form 16 for last 2 years (salaried)
• Property tax receipts and approved building plan

Plus the common set: KYC, income proof, bank statements, property papers.

• PMAY-U 2.0

  Central interest subsidy for eligible beneficiaries routed via PNB retail lending.

• Concession for women

  Rate concession when the first applicant is a woman borrower.

• Baroda home loan application form with photograph
• Latest salary certificate from employer
• Bank passbook/statement for 12 months (savings)

Plus the common set: KYC, income proof, bank statements, property papers.

• PMAY-U 2.0

  Interest subsidy for eligible first-time pucca house buyers.

• Overdraft home loan

  Home loan with an attached current account; park surplus funds to cut interest outgo.

• Central Bank savings account statement for 12 months
• Land/Building valuation report from bank panel valuer
• No-dues certificate for existing Central Bank loans

Plus the common set: KYC, income proof, bank statements, property papers.

• Cent Home Double Scheme

  Repairs/renovation funding up to 2x the original loan with extended tenure.

• Star home loan application with KYC (Aadhaar + PAN)
• Form 16 + salary slips (salaried applicants)
• Approved plan copy with commencement certificate

Plus the common set: KYC, income proof, bank statements, property papers.

• Star Smart Home Loan

  Top-up and balance transfer bundle for existing BOI borrowers at concessional pricing.

• Income tax returns with computation for 3 years (self-employed)
• Bank statements of salary account for 6 months
• Business address proof and office ownership/rent proof (self-employed)

Plus the common set: KYC, income proof, bank statements, property papers.

• PMAY-U 2.0

  CLSS interest subsidy where applicant profile and property value qualify under the mission.

• Balance transfer top-up

  Move an existing home loan to HDFC Bank and take a top-up for renovation or furnishing.

• Bank statement (savings + current) for 6 months
• Shop/establishment licence or GST registration (self-employed)
• Qualification proof for professionals (CA/doctor/architect)

Plus the common set: KYC, income proof, bank statements, property papers.

• Instant digital sanction

  Paperless pre-approval for salaried applicants with Aadhaar OTP e-KYC and salary credit history.

• PMAY-U 2.0

  Interest subsidy routed through the bank for eligible first-time buyers.

• LIC policy assignment papers (if used as security or income support)
• Income proof: ITR + computation for 3 years (self-employed)
• Proof of business existence for 3+ years (self-employed)

Plus the common set: KYC, income proof, bank statements, property papers.

• Griha Siddhi

  Simplified documentation track for salaried applicants at select corporates.

• Plot + construction composite loan

  Single loan covering plot purchase and staged construction disbursal.

• Salary account statement for last 6 months (Axis account preferred)
• Existing loan statements for FOIR computation
• Employment continuity proof (relieving/offer letters where applicable)

Plus the common set: KYC, income proof, bank statements, property papers.

• Shubh Aarambh

  Step-up EMI plan for young salaried buyers expecting income growth; smaller EMI in early years.

• Digital sanction paperwork via e-agreement (paperless track)
• Income documents for co-applicant (mandatory for higher FOIR)
• Business proof: GST returns for 12 months (self-employed)

Plus the common set: KYC, income proof, bank statements, property papers.

• PMAY-U 2.0

  Subsidy processing for eligible applicants under the urban mission.

• Salaried 3-day sanction

  Priority digital underwriting for employees of approved corporates.

• Property title chain: mother deed + prior agreements (30 years)
• Latest electricity bill / property tax receipt of the unit
• Income proof: 3 years ITR with balance sheet for businesses

Plus the common set: KYC, income proof, bank statements, property papers.

• Green home loan

  Rate concession for IGBC/pre-certified green buildings and energy-efficient homes.