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Sambhav Home Loans: Making Homeownership Reachable for All

Bajaj Housing Finance introduces Sambhav Home Loans with the vision of "Karein Har Ghar Mumkin". Specifically designed for first-time buyers and those in the informal sector with a minimum income requirement of just ₹10,000/month.

Min Income₹10,000/mo
Starting Rate8.50% p.a.
Min Loan₹10 Lakh
Check Eligibility Standard Guide

Sambhav Interest Rate Breakdown 2025

User Category Loan Type Interest Rate Range
SalariedFresh Home Loan8.50% – 15.00%
SalariedBalance Transfer8.70% – 15.00%
SalariedTop-Up Loan9.80% – 18.00%
Self-EmployedFresh Home Loan8.60% – 15.00%
Self-EmployedBalance Transfer8.70% – 15.00%
Self-EmployedTop-Up Loan9.80% – 18.00%

Eligibility Criteria: Who Can Apply?

Salaried Applicants

  • Age: 25 to 60 years.
  • Citizenship: Indian Citizen.
  • Income: ₹10,000+ per month.

Self-Employed

  • Age: 30 to 70 years.
  • Citizenship: Indian Resident.
  • Income: Stable business earnings.

Informal Sector Workers

Designed for artisans, small shop owners, and daily earners. Offers flexible documentation and specialized assessment to help those without standard proof of income.

Key Features & Benefits

Project Access

Get instant access to 6,000+ approved projects across India, ensuring faster legal and technical verification.

Speed of Approval

Experience a streamlined digital process with callbacks within 24 hours of application submission.

Market Competitive

Starting rates are as low as 8.30%–8.50%, making it highly competitive compared to SBI (8.40%) and HDFC (8.50%).

PMAY Benefits

Full support for PMAY and CLSS government schemes, providing interest subsidies up to ₹2.67 Lakh for eligible beneficiaries.

How to Apply Online: 5-Minute Process

1

Visit Portal

Go to official website and click 'Apply Now'.

2

Details Entry

Enter personal details, loan amount, and location.

3

Generate OTP

Verify your mobile number via secure OTP.

4

Review Call

Get a call within 24 hours to finalize your application.

Charges & Fee Structure

Charge Category Amount / Percentage
Processing Fee0.50% – 1% (Min ₹10,000 | Max ₹25,000)
Legal Verification₹3,000 – ₹5,000
Technical Charges₹2,500 – ₹4,500
EMI Bounce Charge₹750 per instance
Prepayment (Floating)NIL (No foreclosure charges)

Sambhav: Frequently Asked Questions

Yes, Sambhav Home Loans are specifically designed for low-income groups starting from ₹10,000 per month.
The Sambhav scheme typically offers a flexible tenure of up to 20 years to keep EMIs affordable.

Own Your Home with Sambhav

Don't let income barriers stop you. Get a free consultation from MyLoans experts to build your perfect Sambhav application today.

Free Consultation Standard Guide
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