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Vasudhara Awas Yojna


  • Purchase/Constuction of Residential Property (Flat/Bungalow/house)& Extension of Existing Property for Residential Purpose


  • Individuals


  • Loan tenure upto 5 years/10 years/15 years
  • Nominal Processing Charge
  • No Hidden Charge
  • No Pre-payment/fore-closure charges
  • Interest is charged on reducing balance on daily basis
  • Maximum finance upto 80% of the cost of property
  • 2 Guarantors, if Required

Documents Required (Illustrative Only)

(Applicants & Guarantors)
Salaried Self-employed/ Professional Self- employed Businessmen
PAN, Election Card, Driving Licence, Passport Etc.
Resi Proof: Property Tax bill, Light Bill, Telephone Bill, Gas Bill
Form 16, Last 3 Years ITR (Computation of Income, P&L, Balance Sheet) for last 3 Years    ITR  for last 3 years
Salary Slip of last 6 Months Proof of Profession/Vocation/Business
Last 6 Months' Bank Statements Last 6 Months' Bank Statements (self & Business)
Loan Statements & Sanction Letter of Existing Loans (If any)

Other parameters considered include age, income, number of dependents, financial stability and Family Member's income.

Master file of the property, Copy of Approved Plan.

Any other document/certificates as required by Bank

Security : Security for the loan is first mortgage of the property to be financed.
Other Liquid security as required by the bank

Charges & Fees:Charges of Title report and Valuation report are to be borne by applicant.

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