Su-awas Home Loan

  • Exclusively for micro banking borrowers  

  • Offered to construct ‘pakka’ or ‘semi-pakka’ houses  

  • Available for both salaried and non-salaried individual 

  • Minimum interest rate – 11.5% 
  • Maximum interest rate – 13.5 % 
  • Final interest rate will be decided as per Individual Credit Score 
  • Existing micro banking borrowers who have completed minimum 1 cycle of loan  

For Salaried Individuals 

  • Loan application form with fresh photograph 

  • Photo ID proof (refer KYC document) 

  • Address proof (refer KYC document) 

  • Age proof (refer KYC document) 

  • Salary slips for last 3 months  

  • Form 16 issued by your employer 

  • Copy of ITR filed for the last three years 

  • Bank passbook copy for all bank accounts showing entries for at least the last 6 months including Salary Account 

  • In case of other loans availed (active as well as closed) 

    • Copy of sanction letter 

    • Updated repayment track 

    • No dues in case of closed loans 

  • In case of non-availability of regular salary slip, a salary certificate on the employer’s letterhead duly stamped and signed is required

  • Copy of rent agreement if the present accommodation is on rent 

For Self-Employed Individuals 

  • Loan application form with fresh photograph 

  • Photo ID proof (refer KYC document) 

  • Address proof (refer KYC document) 

  • Age proof (refer KYC document) 

  • Any one of the below 3 documents:  

    1. Cash Flow statement and last 1 year’s ITR/income statement/verification by local authorities such as Panchayat or Municipality 

    1. Last 2 year’s ITR with income computation of both years – in case the eligibility will be calculated based on ITR income 

    1. Self-declared income statement as per the Bank’s format – in case the monthly income of the individual, self-employed customer is less than or equal to 25,000  

  • Bank passbook copy for all bank accounts showing entries for at least the last 6 months including Salary account 

  • In case of other loans availed (active as well as closed) 

    • Copy of sanction letter 

    • Updated repayment track 

    • No dues in case of closed loans 

  • Rent agreement of your place of business if on rent 

  • Copy of rent agreement if the present accommodation is on rent 

The following additional legal and technical documents shall also have to be provided - 

  • Approved plan for the construction with estimate and layout plan and construction permission 

  • Copy of sale deed/agreement to sell/construction agreement/amenities agreement 

  • Copy of ownership documents of previous owner(s) 

  • Proof of ownership in revenue records viz. property card, Form 7/1 2, Form 8-A, Form 6 etc. 

  • Latest photographs of the property 

  • Margin money paid receipts in case of purchase of property. 

  • Non-agricultural permission from concerned authority 

 

All documents submitted to Bandhan Bank shall have to be self-attested. Ensure that you maintain a copy of all documents submitted to Bandhan Bank. 

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