भारतीय स्टेट बैंक (SBI) Shaurya होम लोन (गृह ऋण) (रक्षा कर्मियों हेतु)
ऋण प्रदाता बैंक / संस्थान: State Bank of India (SBI)
Up to ₹5 Crore home loan at 8.40% – 8.95% with Up to 30 years tenure.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Concessional home loan designed exclusively for Army, Navy, Air Force, and Coast Guard active and retired personnel with relaxed repayment parameters.
प्रमुख लाभ एवं विशेषताएं
Special interest rate concessions; repayment tenure extended up to age 75; zero processing fee; lower margin money requirement.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Serving or retired defense personnel of Indian Armed Forces; pension-linked loan structuring for veterans.
संपत्ति एवं तकनीकी शर्तें
Residential flat or constructed house in approved defense housing colony or municipal area.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)
Nil prepayment penalty for floating rate home loans as per RBI mandate
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible. Strictly restricted to defence personnel.
🚀आवेदन के चरण (How to Apply)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://sbi.co.in/web/personal-banking/loans/home-loans/sbi-shaurya with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure available for SBI Shaurya Home Loan (Defence Personnel)?
The maximum repayment tenure offered for SBI Shaurya Home Loan (Defence Personnel) is Up to 30 years, subject to borrower's age not exceeding 75 years at loan maturity.
What are the processing charges and prepayment rules for SBI Shaurya Home Loan (Defence Personnel)?
The processing fee is Nil processing fee for Armed Forces personnel. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for SBI Shaurya Home Loan (Defence Personnel)?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does SBI Shaurya Home Loan (Defence Personnel) require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible. Strictly restricted to defence personnel.